BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-19
Company: SYNCHRONY FINANCIAL
State: PA
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:
The credit reporting agency, XXXX, will not properly and independently investigate my factual disputes. Without providing me with any proof, XXXX returns my disputes as updated and verified, even though information is inaccurate, incomplete, or missing. 

XXXX continues to ignore my legal requests for investigations into inaccurate reporting of the following accounts. 

1. XXXX XXXX XXXX XXXX XXXX XXXX : Remove this account, for inaccuracy because you are reporting a balance when there is no balance. The account is paid. Previous reports show a zero balance. You can not add a balance on a paid and closed account. I demand that this account be deleted immediately. 

2. Syncb/Walmart XXXX XXXX XXXX : Delete for inaccuracy because you can not report an account for me with no payment history as accurate. 

3. XXXX XXXX XXXX XXXX XXXX  : Delete this account for inaccuracy, because you can not report an account for me with no payment history. 

4. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : Delete for inaccuracy, because actual payment amount is missing.

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 2022-06-22
Company: Experian Information Solutions 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:
I am a concerned consumer and my credit report is not reporting 100 % maximum accuracy and it has caused me a great amount stress, I can not get approved for anything and I becoming XXXX  due to the fact my information is in someone else 's hands and is not being investigated properly and being misused. XXXX, Experian, and XXXX keep stating these accounts are verified that they are all reporting accurate which is false, they all hold different information on each bureaus, In accordance to something called the Fair credit reporting act XXXX XXXXXXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXXXXXX XXXX Account # XXXX has all violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 with out 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 2022-06-06
Company: Experian Information Solutions Inc.
State: FL
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 Account # XXXX and Account name XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-06-22
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:
I am a concerned consumer and my credit report is not reporting 100 % maximum accuracy and it has caused me a great amount stress, I can not get approved for anything and I becoming XXXXXXXX  due to the fact my information is in someone else 's hands and is not being investigated properly and being misused. XXXX, XXXX, and Equifax keep stating these accounts are verified that they are all reporting accurate which is false, they all hold different information on each bureaus, In accordance to something called the Fair credit reporting act XXXX XXXXXXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXXXXXX XXXX Account # XXXX has all violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
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: Was not notified of investigation status or results

Complaint:
Equifax did not comply with 1

5 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. It has now been 81days and I have not received the description of procedure, which they are civilly liable for willful noncompliance. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My complaint today is that I am having issues opening a bank account because there are multiple inquiries showing on my file that have been related to fraud. I have filed a police report and i have also filed an amendment to my police report because this has been an ongoing situation. The only inquiry that should be on my Chex-systems file is with XXXX XXXX XXXX XXXX union which is a valid account that I opened. I am requesting for the other inquiries that are fraudulent to be removed from my chex systems file. The only XXXX reporting should be XXXX XXXX XXXX XXXX union. The fraudulent inquiries showing areXXXX XXXX XXXX XXXX XXXXXXXX ( PLEASE DO NOT CONFUSE THE FRAUDULENT XXXX XXXX XXXX WITH XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX IS VALID AND BELONGS TO ME )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: PA
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 was viewing my consumer report and noticed accounts, names, inquiries, and addresses that I do not recognize I did not give any person or company permission to furnish anything on my consumer report. These companies are in direct violation of the fcra and the fdcpa according to 15 usc 1681 ( b ) ( 2 ) these companies need my permission to furnish my personal information on my consumer report which they do not have. They also violated my right to privacy according to 15 usc 1681 ( a ) ( 4 ) These companies know the law and they are blatantly disregarding federal law while knowing and understanding 15 usc 1611. I demand these companies removed all disputed and inaccurate information on my consumer report.

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 2022-08-20
Company: EQUIFAX, INC.
State: PA
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:
I checked my credit report profile and I seen inaccurate information that was unauthorized. I am very upset that I seen this because I applied for a credit card and got denied. I was XXXX disappointed and I need this resolve now. Please see upload

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
State: AZ
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:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

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 2022-08-19
Company: Experian Information Solutions Inc.
State: IN
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've been a victim of Identity Theft on numerous occasions from Data Breaches of XXXX XXXX and XXXX. I also had my SSN hacked numerous times and used for Unemployment Benefits in Kentucky. I also have actual factual false reporting inaccuracies within my credit report. I have XXXX accounts that are reporting inaccurate late payments i would like these late payments removed immediately from the following accounts and updated across all 3 credit bureaus. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would like the following 3 charge off accounts deleted for Inaccuracies XXXX XXXX, XXXX XXXX XXXX  I would like the following XXXX  collection accounts deleted immediately from all 3 credit bureaus for inaccurate Date of Last Activity, XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are to be deleted immediately from all 3 credit bureaus as I didn't authorize these transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my TransUnion consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXXXXXX Account number XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( XXXX  XXXX ) Making the report is not INCLUEDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s XXXX  XXXX Account number XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character XXXX. Negligent Non Compliance XXXX. Civil Liability XXXX. XXXX XXXX XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, 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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To Whom It May Concern, While checking my most recent Transunion and XXXX credit report, I noticed multiple inquiries that I did not authorize to pull my credit report. The inquires were made by the following companies : I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting 15 uscAct Section 1681b ( c ) and a serious breach of my privacy rights.

MY CLIENT PUT A CREDIT FREEZE ON HIS CREDIT REPORT ANY unauthorized inquiries SHALL DELETE immediately TRANSUNION and XXXX DID NOT REMOVE ALL UNAUTHORIZED INQUIRES AS THEY PROMISE AND NEED TO REMOVE ALL UNAUTHORIZED INQUIRIES. 
THEY DID NOT DO ANY investigation VIOLATE LAW 15 USC 1681b 15 U.S. Code 1681d - Disclosure of investigative consumer reports 15 U.S.C 1681 section B ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2022-08-19
Company: U.S. BANCORP
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I set up automatic payment with US Bank for my car loan. 
My online account to manage the online payment and visualize statements has had some technical issue since I have been a customer. 
Payments were not going through and I had no way to know as the portal was inaccessible. 
US bank charged me for a late fee and put a late payment on my credit. 
After talking with multiple US Bank representative, it was added in the notes that my account was not functioning properly, that I was not getting alerts for late payment and that the payment management portal was not working. 

The issue was resolved from a technical standpoint, my payment are not going through ( 5 payments all went at once ) and US Bank waived the late fees.

However US bank has not corrected my credit late payment, and I have now a credit score that is XXXX points lower than prior to the incident. 

I asked US Bank by mail to rectify the issue ( see attachment ), but they rejected my request.

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 2023-12-01
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX  XXXX  has been calling me for months over a payday loan that I owed for 2014. They are not even the people that are supposed to be handling the debt anyway because I spoke to someone with Check n Go and they dont even know who XXXX is. That company is a fraud and I told them if they dont stop calling me I would report them to the attorney general office and they still call. Here is their phone number they call from XXXX. Please help me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
I inadvertertently transferred more than {$3500.00} from my savings account to my credit card account linked on the Bank of America website instead of my checking account. I have a positive balance of {$3500.00} and every time I call to have this returned to my checking account I get a different story of how long it will take. First person said 10 days. I asked for an escalation and was told to even get into the escalation process it would take at least 5 days. It has now been two weeks and the next call I was given i was told it could take up to TWO billing cycles to return my money... up to 60 days. 

This represents an entire paycheck. This has made it so I am now late in paying my mortgage and my credit rating is going to take a big hit. I am stressed and can not sleep well. 

Please tell me there is a recourse to get Bank of America to do the right thing.

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 monetary relief
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
State: AL
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:
I had a XXXXXXXX XXXX XXXX XXXX  with XXXX XXXX XXXX XXXX XXXX XXXX ) and they keep saying I have a balance of XXXX XXXX However, it also says they have charged off the balance and that the account was also charged off. Neither of which I understand as this was a secured card, I put XXXX XXXX into, that should have never been allowed to go beyond the XXXXXXXX XXXX I feel like they are taking the best of both worlds, i.e. letting me rack up more than I wanted to spend ( not knowing I was over limit ), writing off the account, and then showing a balance on the account while at the same time saying the balance was written off. The information is all wrong, they are using it for them and against me at the same time and in doing so is misappropriately using the information. If the amount has been charged off, then I should not be hit with a past due. The account was opened in XX/XX/201XXXX XXXX XXXX XXXX, and should not even be reported anymore.

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 2022-08-19
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I reported fraudulent activity that I noticed on my account to Chase bank and my claim was denied. 

Brief summary : I paid to park my car at a parking lot in XXXXXXXX XXXX at XXXX XXXX XXXX XXXX using my debt card. 

A few hours later I was called by the fraud department of my banking institution stating that there was illegal activity on my account and aksed me to confirm if the transactions were valid. During the call they texted me a verification number and my banks information was listed as the caller ID. I denied that validity of the charge as it occurred in a different state. During this process, I was relocating to another state with my family. We stopped thru several states on our way to our final destination and I was not closely monitoring my checking account due to driving. 

Upon arriving at our final destination, I noticed that there were XXXX fraudulent transactions that occurred on my account in total. XXXX transactions occurred at ATM machines, XXXX occurred online ( XXXX XXXX ) and XXXX occurring at a XXXX XXXX store in a state that I was not in. 

I submitted the amounts and details of the fraudulent activity to a online banking representative, received a partial refund, and was told my claim would be processed following an investigation. 

Several weeks later I received a letter stating that my claim was denied. This is grossly incorrect and I am taking all and every necessary step to report and reinvestigate my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have sent multiple letters requesting my credit report and have yet to get a response. My report shows as a nonexistent account which I need corrected to move forward with verifying my credit rating.

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