BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX  XXXX Balance : {$370.00} XXXX  XXXX  XXXX Balance : {$5100.00}

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 non-monetary relief
Consumer complaint received 2023-03-18
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Paypal credit card ( synchrony bank ) reported balances to credit bureaus twice in one month, within a two week period. Balance was reported on XXXX XXXX XXXX for approximately {$56.00} and again on XX/XX/, for approximately {$270.00}. This has affected my credit score. I called when I opened card and was told balances would report when my statement ended on the XXXX  of each month, then it reported on the second day of XXXX. I called back and was told they report all balances on the XXXX  of each month. Then my balance was reported again on XX/XX/XXXX causing my scores to drop even more because I was under the impression that I would have until XX/XX/XXXX to pay cc balance down. The company has not been very helpful or able to clarify which date is reporting date.

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 2020-03-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/2020, I applied with HSBC Bank for a 0 % APR promotional offer on balance transfers. 

On XX/XX/2020 I initiated the balance transfer via a phone call with a representative of {$6000.00} to be send to XXXX XXXX. I was told this transfer would take 7-10 days. By XX/XX/XXXX, I logged into my XXXX XXXX  account and the balance transfer from HSBC and still not made it to XXXX XXXX, but on my HSBC statement it say the a balance transfer was made to " XXXX, NY '' on XX/XX/XXXX. " XXXX, NY '' is not the correct location for the XXXX XXXX balance transfer, it is in fact that location of HSBC Bank USA, N.A. I was also imposed a transaction fee of {$240.00} on XX/XX/XXXX with HSBC for the balance transfer that was never completed correctly. 

I was never contacted once by HSBC to inform me there was a discrepancy information for the balance transfer to be sent. 

I contacted HSBC immediately on Friday, XX/XX/XXXX. I spoke to a representative and they said they would credit back the {$6000.00} to the HSBC account within XXXX days. 

It is now XX/XX/XXXX and the {$6000.00} has still not be credited back with two business days to go within the 7-10 day window. And, the is a first payment due to HSBC on the account is on XX/XX/XXXX by which I will be responsible for paying a minimum payment due for a balance transfer that was not handled properly in the first place, with absolutely no communication that there was a discrepancy in the balance transfer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I spent the last two hours trying to get my free credit report online. Every time I finish filling out all the information ( and there is a lot ), I get just so far, XXXX and the computer kicks me out and I have to start over. With XXXX, they wna wanted to charge me because they feel they have already given my " fee report. '' I have a XXXX issue that I need to dispute because it is keeping my small business loan from being approved. I do n't owe XXXX money. 
They failed to credit me for XXXX tablets I returned, then penalized me for going to XXXX Total is XXXX USD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX and XXXX XXXX are both included in Barkruptcy Chapter # XXXX. Which was Discharged on XX/XX/XXXX, Case No # XXXX Both accounts should be reported as closed, with XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXXXXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Balance Owed : {$19000.00}

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 2017-05-25
Company: Early Warning Services, LLC
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: Account status incorrect

Complaint:
Early Warning Services LLC   XXXX   XXXX   XXXX  ACCT #  XXXX  Incident Date: XXXX /2013 Contributing Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner.   The actions of Early Warning Services , LLC are being reported negatively and prevents the opening of bank accounts and loans ; even though the agency has not been able to provide proof of documentation of the alledged incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Equifax several times about XXXX inquiries and as of now XXXX fraudulent collection accounts that have not been removed from my credit. I have completed XXXX identity theft affidavits and Equifax has failed to properly remove items from my credit report per FRCA regulations. Attached is the letter that I have mailed to Equifax about the accounts in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19
Company: Experian Information Solutions 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 tried to refinance my home loan today XX/XX/20 and I was unable to do so because there is an account from XXXX XXXX and a few inquiries reflecting poorly on my credit history. This account and inquiries do not belong to me ; I did not open that account or make those inquiries and I did not allow anyone else to open that account or make those inquiries in my name. I do not have a written/verbal contract with any of those companies and I never allowed them to access my credit. I did not benefit anything at all from these inquiries/account and I never made any purchases or payments towards this account. I have filed this report to the best of my knowledge ; I also filed a police report and a complaint with the CFPB regarding this matter.

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 2022-03-26
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus are illegally reporting inaccurate information on my credit 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 non-monetary relief
Consumer complaint received 2015-04-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XXXX, I requested my free annual credit report. After viewing my credit report, I noticed over XXXX credit/loan inquiries on my account that was not authorized by me. I contacted each company and was told that there was not any account open under my information. I explained that I have a hard inquiry on my credit report and need it removed as soon as possible so that I could apply for a home. I was told that the inquiries would be removed from my credit report. As of XXXX/XXXX/XXXX, none of the inquiries have been removed dating back to XXXX. I had a initial fraud alert placed on my report on XXXX XXXX, so if any credit reports are being pulled with my information, I was to be contacted by the company before any action was taken place. I just want the inquiries to be removed so that my scores and credit is not being impacted any longer. I would like to purchase a house, but until all of the inquires are removed I will not be approved with XXXX inquires on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: U.S. BANCORP
State: MN
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Making/receiving payments, sending money

Complaint:
I went to the bank the check was draw an off and asked to cash the check. It was Sunday XX/XX/XXXX and the check was dated for XX/XX/XXXX they declined to cash it because of the post date. I understand that banks consider a check good once it is signed and given to the recipients. Also any check cashed on Sunday would be on Mondays business as I understand it. Brcauce I start work before banks open on Monday this created a problem for me to address my needs

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 2016-02-15
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
For a while now, I 've disputed XXXX account balance with Equifax several times. The dispute was based on the account balance of {$0.00} and changed to {$27000.00} about XXXX year later, which is misstating the balance due and a FCRA violation. 

I contact XXXX and they state, " While Ally furnishes information to the credit reporting agencies, it is the credit reporting agencies responsibility to accurately reflect that information on your credit report ''. If this is true, why was a {$0.00} balance reflecting on my credit report for XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
my sister signed my name to her rental lease for her apartment. I told the police dept in the jurisdiction but they refused to file a report stating it's he said. she said. I then contacted the credit agency and they told me a file an FTC report which I am doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Genesis FS Card Services, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been receiving calls from a company called XXXX XXXX XXXX XXXX requesting that I call them back regarding a debt that I paid with them. I was suspicious that I had already paid this debt but they had an account number, the name of the company, and the amount owed which all sounded legitimate. I thought I had paid off this debt a long time ago but when I checked my credit report it didn't verify that. Therefore, I paid the XXXX XXXX XXXX XXXX {$320.00}. This transaction was processed as XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since, they have just called me again and I called them back and they hung up on me after giving me the wrong last 4 of my social. I think this company is some how gaining access to people 's past debt and preying on them to " pay it off '' again. XXXX XXXX was the lady I talked to and she got very offended when I accused her of fraud. When I called back today it sounded like the same person with a different name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
ON XX/XX/2022 I EMAILED THIS COMPANY AND ATTEMPTED TO CALL THEM. I SENT THEM AN EMAIL INFORMING THEM NOT TO SELL TRADE OR USE ANY OF MY INFORMATION THAT THEY OBTAIN FROM ANY COURT. THIS COMPANY USED MY PERSONAL INFORMATION FOR PROFIT AND IS CAUSING MY CREDIT RATING TO DECREASE MAJORLY. THIS COMPANY PROVIDED MY INFORMATION TO TRANSUNION WITHOUT CONSENT. TRANSUNION PREVIOUSLY DELETED THE INFORMATION BUT HAS SINCE REINSERTED IT. I DO NOT ALLOW XXXX, XXXX XXXX XXXX, OR ANY OF ITS AFFILIATES TO SELL TRADE, OR USE MY INFORMATION FOR PROFIT. I CONTACTED THE UNITED STATES BANKRUPTCY COURT AND WAS TOLD THEY DO NOT SELL OR TRADE INFORMATION FOR-PROFIT TO ANYONE ABOUT ANYONE. I CONTACTED TRANSUNION AND XXXX. TRANSUNION AND XXXX ARE BUSINESS PARTNERS

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 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 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 non-monetary relief
Consumer complaint received 2022-08-26
Company: Unifin Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX XXXX XXXX PRADARORY ILLEGAL TATICS CONTACTING AT MY WORK PLACE THIS IS A GOVT PHONE NUMBER! AT MY WORKPLACE I SENT THEM A CEASE AND DESIST DO NOT CONTACT ME EVER AGAIN

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i requested my equifax report XXXX initially XX/XX/XXXX. at that time i learned that a family member was using my credit fraudulently. i immediately contacted equifax via snail mail XXXX and online. i later reviewed my equifax report XX/XX/XXXX and learned that no changes where made. i emailed the company again on XXXX occasions the only answer ive received at this point is that they didnt recieve the initial complaint but the new complaint is being investigated. my complaint is, equifax is in violation of federal law each day that goes by reporting false information. the problem is they know us consumers have no legitimate recourse to insure they operate within those laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: AL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-04-21
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have received new social security number. Previously I was using Individual Tax Identification number ( ITIN ). American Express is still using my ITIN even though I have requested them to update my new social security number in my records. I have mailed them cover letter, photocopy of SSN, photocopy of Drivers License and the documents were delivered to Amex at XXXX XXXX, TX on XX/XX/2021. I have called AMEX customer service to know if my social security number is updated. I was told that they have received my documents. But still my records are not updated with my social security number. Due to this, I am not able to get my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX XXXX a federally protected consumer and I am making another complaint against Midland Credit Management regarding an account that they purchased from XXXX XXXX I have sent your company several correspondences, however, they always seem to be returned to me, and this alleged debt continues to remain on my consumer reports with no regard to how this affects me. First, I would like to state that I have never given Midland Credit Management any permission to use any of my identifying information to commit aggravated identity theft by contacting me about an alleged debt they claim that I owe. After several correspondences and a previous CFPB complaint I still have not validated any alleged debt with Midland Credit Management and while I have not validated such claim of debt this, in turn, can not be constructed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence such as a TRILATERAL CONTRACT between, XXXX, MIDLAND CREDIT MANAGEMENT, and myself, giving Midland Credit Management any right to collect on this alleged debt. It is my belief that Midland Credit Management is attempting unlawful fraud activities and theft by deception by attempting to furnish false and deceptive forms and continues to commit several violations under the FDCPA. Please see attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Chase has closed my account without notice or reason since XXXX they told me that I would get a check in the mail in 10 business days. It has been way over that time period today is XX/XX/26 Ive called many times including today they have hung up on me with no answer to where my money is. They are thieves. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
XXXX has TAX SHELTER ANNUITY ( XXXX ) with XXXX account XXXX with the XXXX as the custodian. This Bank was renamed to XXXX BANK ( XX/XX/XXXX ) then to XXXX ( XX/XX/XXXX ) then to XXXX BANK ( XX/XX/XXXX ) then to BANK OF AMERICA. Bank of America can not locate this account

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