BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-10
Company: EQUIFAX, INC.
State: CA
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: EQUIFAX, INC.
State: GA
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 identity was stolen XX/XX/2019. This same person has tried to open up several accounts in my name, resulting in credit inquiries from various companies. I contacted said companies about the fraudulent activity, and they closed the accounts. The companies also sent letters to all 3 credit bureaus to have the inquiries removed for fraud. I had inquiries from XXXX, XXXX XXXX, XXXX, and XXXX XXXX. Only XXXX  has removed the fraudulent inquiries. XXXX and Equifax refuse to remove these inquiries even after disputing them, calling them, and sending them evidence that these inquiries were done under fraudulent circumstances. I will keep filing complaints and filing disputes until all of these fraudulent inquiries are removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Hello, To whom ever is reading this. Thank you for the time. 

Every month on the XXXX I get a charge for {$32.00}. The below information between the double ** is what appears in my credit card report. I have tried contacting experian a minimum of 5 times because I don't know what this charge is and i want to 1. Find out. 2.  Cancel it. Yet the phone number i call from my cc report and from their own website leads me to a phone menu i can not use to get in touch with a person. It asks for my account number. I don't know it because i'm not even sure what this charge is for let alone any account numbers associated with it.I attempted to sign in via the website but could not and when i requested the " i forgot my account / I forgot my password " options I never received that email to re set my password or acount. I simply want to talk to this company to know what this reoccurring charge is and I can not do that. I have tried over 5 times. 



**Experian* Credit Repor XXXX XXXX  {$32.00} Merchant Info XXXX XXXX United States  Merchant Category DIRECT MARKETING-CONTINUITY SUBSCRIPTION MERCHANTS Purchase Method Online, Mail or Phone Recurring Transaction Yes**

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 2021-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Affidavit of Truth I as the consumer have the right to decline the inaccurate reporting of the negative information furnished on my credit report by Capital One pursuant USC 1681B.I did not give written consent for Capital one to furnish this inaccurate information pursuant USC1602 Original Creditors-Truth and lending act, a consumer has a right to privacy. Capital one never furnished a copy of ( GAAP ) Generally Accepted Accounting Principles audit trail of them lending me credit pursuant USC1602J.This company continued to call me multiple times a day and send emails threatening legal action against me when I had already asked them to stop pursuant USC1602a Truth and Lending Act This scare tactic and harassing behavior occurred from the years XXXX. I specifically received an email threatening legal action on XX/XX/2020 from Capital one, attempting to collect a so called debt totaling {$1300.00} in which again they never provided the GAAP audit trail or show proof that I indeed was loaned anything as a consumer. I demand as a consumer for this negative inaccurate information be removed from my credit with all 3 major credit reporting agencies ( XXXX, XXXX, XXXX  ) report immediately. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: MN
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am trying to transfer membership rewards points to my own frequent flyer account ( XXXX XXXX ) got message " This action will not be completed because of an attempt to sell or otherwise transfer Membership Reward points to someone else which is not permitted under the terms and conditions of the program '' I am not selling these points and they are going to own frequent flyer account. My family was saving these point for once a life trip and seats might not be available if transfer is held by 4-6 weeks. We called customer service and they said 4-6 weeks without even giving time when those 4-6 weeks starts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-10
Company: SYNCHRONY FINANCIAL
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to express my discontent with the handling of Identity Theft and fraud associated with a Paypal Synchrony Bank credit card. I became aware on XX/XX/XXXX, XXXX that an unauthorized Credit Card associated with my Social Security number was sent to collections due to non payment. 

I am in the process of buying a home for my family and in the middle of escrow, immediately after finding out about the collection debt, I called Synchrony Bank and spent 2 hours on the phone trying to clear and reestablish my credit. On Saturday, immediately it was determined that the account was fraudulent since the information on record for the account and my information did not match. My loan officer Mr. XXXX and myself, finally spoke to XXXX in the Fraud department and he instructed us to call back on Saturday XX/XX/2020 and that he would be able to further assist us with a deletion letter that would assist me with reestablishing my credit to continue with the purchase of my home. Unfortunately, we spend about 1 hour with multiple people and we were unable to speak to XXXX and did not get anywhere. We poke to XXXX with Employee ID XXXX and another individual with employee XXXX but we were not able to make any advancement nor did it seem that my case is being handled nor given the due diligence due to the nature of the circumstances I am in. 

It is unacceptable the manner in which Synchorny Bank is handling the case. It was evident that there is mismatching information with the credit card information and my credit, as they were able to immediately determine the mismatched information, but they can not resolve the case and provide me with a deletion letter to reestablish my credit. Time is of the essence and everyday that passes by, I am at risk of losing thousands of dollars in a security deposit for my home. A balance of over {$4000.00} was sent to collection and upon calling Synchrony Bank, they determined that there were discrepancies with my information and the information they have on record. Again, I did not authorize anyone to open a credit card with my social nor did I authorize anyone to utilize my credit cards. The last four digits of the account are-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 explanation
Consumer complaint received 2019-05-14
Company: Experian Information Solutions Inc.
State: GA
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:
The official street name of my address is ; XXXX XXXX, XXXX I have repeatedly requested Experian to correct my address and they have lied, insulted and refused. Their claims run the gamut from ( 1 ) your creditors gave us that address ( 2 ) The USPS verified that address ( 3 ) we are not allowed by law to change your address. 

I have lived at this address for five years : XXXX XXXX XXXX, XXXX XXXX, GA XXXX But Experian says my street name is : XXXX XXXX, XXXX I have called and talked to multiple people the last person ( XXXX, supervisor in XXXX XXXX ) was discounting, XXXX and insulting. We experienced multiple language challenges. XXXX tried to explain to me how the USPS works -- I have live in the United States all my life. Experian has the most uninformed representatives that do not take feedback and show total disregard for their US customers. 

I have spoken to and written to the USPS and they have my street name listed just the way I do " XXXX XXXX, XXXX ''. I have reviewed my creditors and none of them have the incorrect version that Experian has refused to correct. 

Experian has consistently underreported my information, incorrectly reported and not take care to be an ethical corporate citizen. I have had to put a freeze on my account just to protect myself from being impacted by Experian 's sloppy handling of my information. 

I have asked to have XXXX XXXX manager, Mr. XXXX, contact me however, I have not heard from him. The Experian representatives are unwilling to work for the consumer and therefore will argue incessantly to keep wrong information. 

Please help me resolve what should have been an easy resolution.

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 2023-07-20
Company: Experian Information Solutions Inc.
State: NJ
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 have been going over my Credit and happened to come across some strange accounts on my report that I had no idea about

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 2021-08-15
Company: EQUIFAX, INC.
State: LA
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:
MY EQUIFAX CREDIT REPORT SHOWS THE WRONG BALANCE FOR MY XXXX XXXX XXXX XXXX XXXX VISA ACCOUNT. I HAVE ATTACHED A COPY OF THE ACCOUNT STATEMENT SHOWING A XXXX BALANCE DATED XXXX. 
PLEASE UPDATE THIS INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on a refinance loan earlier today with a local title company at which I happen to also be a Closer. At XXXX today, a woman showed up at my door with a packet of papers and tells me she is here to close my loan. I told her no, she is mistaken as we have already closed. She refused to tell me her name until I threatened to call the police ( XXXX XXXX and she says she works for herself so have no kind of business affiliation ) or who she got the documents from, and then rather than resolve this error, she drove off with all of my personal, private information printed on documents that I will have absolutely no way to confirm she disposed of properly. I am absolutely disgusted by the blatant disregard that has been given to my personal private financial details and am extremely concerned about my information being mishandled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a {$2000.00} line of credit with cashnetusa. I have paid them over {$2100.00} to date over a 3 month period and yet I still owe over {$1900.00} which goes up daily. I tried to call and talk to cashnetusa about not being clear on the interest before o took out the loan and they denied that anything was misleading. When I took out the loan I asked if it was high and the representative told me it wasn't and that it was only XXXX. Something per day and didn't explain the 299 % interest during the call. This is not right.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
*In accordance with the Fair Credit Reporting act XXXX XXXX Partial Account # XXXX, has violated my rights. 

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 a account without my written instructions *In accordance with the Fair Credit Reporting acXXXX XXXX XXXX partial Account # XXXX, has violated my rights. 

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 a account without my written instructions *In accordance with the Fair Credit Reporting act XXXX XXXX partial Account # XXXX, has violated my rights. 

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 a account without my written instructions *In accordance with the Fair Credit Reporting Act XXXX Partial Account # XXXX, has violated my rights. 

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 a account without my written instructions

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 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am writing to dispute fraudulent charges on my account. I am a victim of identity theft. The charges on my account were not authorized. Please block and remove these accounts from my report, that any finance and other charges related to the fraudulent amount be blocked and removed. I am also requesting that I receive an accurate statement. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Old information reappears or never goes away

Complaint:
Names are inaccurate All those other spellings are inaccurate. XXXX AND XXXX   WOULDNT RELEASE MY FREE REPORT YET THEY POST ON XXXX XXXX AND OTHER CREDIT INQUIRIES THESE ITEMS I have inaccurate information on my credit report and it is preventing me from obtaining a house and better business credit. I have not done business with these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses need to be removed people are using my name only my current address I want listed I will submit information to all 3 bureaus XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, O-XXXX  XXXX XXXX XXXX, XXXX, OHXXXX XXXX, XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX , XXXX, OH  XXXX XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX , XXXX, O XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2020-02-10
Company: Experian Information Solutions Inc.
State: FL
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 investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this 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 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this 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 explanation
Consumer complaint received 2020-02-10
Company: CITIBANK, N.A.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXXand XX/XX/XXXXI receive an email that my best buy account was late and I called several times to ask the company about it because I am always on time with all my bills. They explain that I was not late and I stated checking my credit reports and a late fee showed after calling XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/2019 to  best buy they ask me to write to them about the problem and I did no one called me back to notify me about the income its going to be a year and this issue is not resolve

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 2022-08-10
Company: Experian Information Solutions Inc.
State: SC
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:
A line of credit or credit card was opened in my name on XX/XX/22 at XXXX XXXX XXXX for {$10000.00}. My credit report shows a balance due and that payments were late. I DID NOT request, receive, or use this line of credit. This is fraud and done by someone I don't know. It has negatively impacted my credit and put me in debt for an amount I DID NOT request, receive, or use. I reported this to XXXX and XXXX on XX/XX/22 and called and emailed the XXXX XXXX XXXX the same day. I haven't gotten any response.

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