BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
-15 USC 1681c2. Block of information resulting from identity theft.

-Section 605B of the FCRA. 

My request to block the identified transactions are not information related to any transactions authorized by me as the consumer. My request to block the listed items above is not being made in error nor is my request to block these items are being made on the basis of material misrepresentation. 

I declare that these Financial Institutions/ Department did not receive my authorization nor consent ( required by law forms SSA-3288 & SSA-89 ) to be furnished on my consumer report file. As a result of my non consent and authorization, I have listed these accounts and deem them as identity theft. 

See attachments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian has 2 open account that were placed on my credit report in XX/XX/2007 from XXXX  student loan. This account has been on my report for over 10 years i have asked that it be removed. Per law old collection should fall off my report after 7 years. I uploaded information and mail information to them. I am working on my credit and want the 2 XXXX  accounts to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Citi XXXX yes or no did you have Relation with XXXXXXXX XXXX XXXX? Regarding the account listed above? They said you did and you said you did! See file For Additional information in your own words But they were unable to send me documentation to prove to me that had became owners of the accounts I want to also make your Institution fully aware since you were the original creditor you have violated the FDCPA by such actions as notify the credit bureaus! Failure to do so does and perhaps meet the criteria for deletion and I quote respectfully! The law is very clear. I will also need a copy of your contract between you and XXXX also a purchase agreement with a canceled check from XXXX as to How much the debt went for. Also all information that you forward to XXXX Regarding this account Citi I give you 24hrs from the time you receive and finish reading this complaint I asked that you delete this account from my credit file. If you try to go back and add the information that was required of you you will suffer the consequences and I guarantee you the law is very clear in your bank has been around for many many years and you know the rules the loss that you must follow! Respectfully there will be no more

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX  Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Good day or happy Saturday! How are you doing? I was shocked today when I reviewed my credit report again and found questionable information still on my fed student loan accounts from DEPTEDXXXX. All 4 of them! I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported that you investigated as accurate if it's still reporting questionable balance, inconsistent account number, name, dates of open, etc? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This collection agency keeps calling all day long and later hours at nights too. I have told them that this is not my debt and to not back anymore in the future, but they still keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX has been non-compliant with removing the unverified account DISCOVER XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DISCOVER XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : XXXX - XXXX Please investigate and provide proof with a statement showing that the payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was never late. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I went to XXXX XXXX XXXX XXXX store and tried to obtain a credit card from them, but they said my application was denied after a hard pull. I just got the mail from XXXX 's stating that my application was denied due to " Total credit obligations when compared to the total annual income you provided ''. I make {$52000.00} per year with money coming in from XX/XX/XXXX and full-time employment, how is this possible?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX I received a fraud alert from Capital One about 2 charges made to my account on the same day ( XX/XX/19 ) at a XXXX and XXXXt in XXXX, NJ for {$240.00} and {$220.00}. I immediately verified I had the card in my wallet and reported this as fraud. The charges were removed. This month I saw the charges had been re-added to my acct. Upon speaking with a rep ( ultimately 7 of them ) at Capital One, I was told that this purchase was made in person with the chip in my card and could not be duplicated. Because I had verified that I never lost my card they were unable to consider this fraud and I am responsible for the charges. I was first told I had to " request CCTV footage '' from the stores from 3 months prior. When I requested copies of the signed receipts I was then told I had to pay a fee for each and wait 44 days to receive them. I was later told that they could not guarantee there was ever a signature required. These are large amounts and I have always been asked to sign before. I am not being provided any proof of these charges but being told adamantly that I must have made them in person and there is no other option. I am very clear that I did NOT go into either of these stores, EVER and did NOT make these purchases. It is unfair that I am responsible for {$500.00} in purchases I did not authorize or make and I am being provided NO proof of purchase but must believe what Capital One is telling me, that they are confident the purchases were made in person.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My student loans are reporting as late but were never late due to a retro active forbearance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX have me on there system paid account abuse this must be removed its not mine! I contacted them and all they say is wait, wait! Remove this fake information off my report. They forced me to pay at the bank for fake account to help myself..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Recently the monthly mortgage payment that I am responsible for paying, and have been paying for ~20 years, was transferred to a new company. XXXX was the old company and Shellpoint Mortgage is the new company. 

Since then, every month ( except for the first month they took over billing, XXXX XXXX ) the bill arrives 25-35 days late ... arriving so late this month that I just paid my XXXX bill -- -which was due XX/XX/XXXX -- -- today ( XX/XX/XXXX ) over a month late, because I did not receive a billing statement until XX/XX/XXXX or XX/XX/XXXX -- -- nearly a month late, and now Shellpoint is unfairly charging me monthly late fees when it is completely their fault the payment is not being mailing in on time. In XXXX I paid my XX/XX/XXXX payment on XX/XX/XXXX ( because the billing statement was nearly a month late then too ) and I checked my bank account on XXXX or XXXX and the check had still not been cashed, it's like Shellpoint is holding up my payments so they can charge me late fees. Also, they have tried to sell me home insurance ; they claim I don't have insurance so my insurance agent faxed them proof of insurance via their fax number, and they sent me another letter again claiming I don't have home insurance. I just mailed them a paper copy of my homeowners insurance today and hopefully that will be the proof they are looking for. 
I feel like this company has a less than stellar reputation from what I've seen so far, but I would like to find out it's just an honest mistake on their part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}, {$0.00}, {$880.00}, {$0.00}, {$1100.00}, {$1500.00}, {$900.00}, {$1600.00}, {$570.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1.  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$880.00} -This is not my account. 

-- AUTO ACCOUNT 5. XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

7. XXXXXXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1500.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$570.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2022, I sent my first letter to XXXX XXXX requesting verification of Account number XXXX which was reported on my credit report. If I understand it correctly, they are required to follow reasonable procedures to assure maximum accuracy. They did not respond. I made a follow up letter XX/XX/2022, advising that if they failed to respond with sufficient verification and/or comply with the law, then they would be subject to fines and damages, per the FCRA. 

It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. Please remove the account from my credit report. I have given them more than enough time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased furniture from XXXX XXXX XXXX, in XXXX XXXX, California on XX/XX/XXXX. However, the quality of the goods was extremely shoddy, and instead of receiving a good faith effort to work out an issue between XXXX XXXX XXXX and Syncrony Bank, I was threatened by XXXX XXXX Staff at the XXXX XXXX Location on XX/XX/XXXX, that I would be arrested and the furniture seized by force. I have tried to respectfully appeal to Syncrony Bank to rescind the remaining purchase balance because of these issues, to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
BANK OF WELLSFARGO HAS REOPENED MORGAGE LOANS AND EQUITY OF FORCLOSED OR FAKE FORCLOSURE OF PROPERTY AND MORGAGES LOANS THAT WERE DISCHARGED FORM XXXX. THEY HAVE SEPERATED MY MARITAL RIGHTS AND MY HUSBANDS RIGHTS AND ACTED AS THE CO BORROWER FOR THESE LOANS. THEY HAVE USED MY NAME XXXX MY HUSBAND IN SINGULAR FORM. THESE ARE WHAT IT APPEARS TO BE NOTES MATURING. I AQUIRED THIS FROM THE XXXX BRANCH IN XXXX FROM THEM ON XXXX/XXXX/2015 AND THESE ARE ALL SHOWING ACTIVE AND OPEN. WELLSFARGO HAS NO RIGHT TO MY NAME TO OPEN ANY LOANS, EQUITY ECT. NOR I HAVE RIGHTS OF POWER OF ATTORNEY TO DO SO. WELLSFARGO TRIED TO CHARGE ME WITH TRESSPASSING AND MY HUSBAND XXXX DAYS AGO BUT BECAUSE OUR COUNTY SEEMS TO BE IN QUESTIO OF WHO OWNS MY HOME WE WERE TOLD WE ARE WAITING ON XXXX DISTRICT AQTTORNEY TO LOOK AT ALL THIS. ALL OF OUR BELONGINGS ARE IN OUR HOME AND WE HAVE NOTHING BUT THE AIRMATRESS IN MY PARENTS HOME. VIOLATION CONSUMER FINANCE PROTECTION ACT MEETS THE GUIDLINES HERE. AS PER THE NUMEREOUS LIES IN WRITING TO ME AND CONSUMER PROTECT THIS PROVES THE OBVIOUS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation