BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-02
Company: Experian Information Solutions Inc.
State: TN
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:
Received copy of credit report due to XXXX. Account with XXXX credit limit {$1500.00} is an open account that I did not authorize. I am a victim of identity theft this account by XXXX XXXX, Account # XXXX is a result of fraud. I have notified XXXX XXXX  and they have failed to properly investigate and resolve the issue. I believe XXXX is opening accounts in people 's names illegally.

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 2022-09-11
Company: Experian Information Solutions 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:
XXXX XXXX XXXX on XXXX XXXX reported on my report with no permission from me, i am a living human being that did not give any permission!!! 
15 U.S, C section 602 A. States I have the right to privacy.

15 U.S.C. section 602 A section 2 is also states that a consumer reporting agency can not report my account with out my written instructions. 
15 U.S.C.1692Cwithout the prior connect of the consumer given directly to the debt collector or the express permission of the court of competent jurisdiction a debt collector may not communicate with consumer in connection with the collection of any debt

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 2022-09-22
Company: SYNCHRONY FINANCIAL
State: TX
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:
I applied for a care credit card and received their card.I used the card for my cat. My cat did not make it. Then I got a senior cat and took her in for dental work. The bill was over {$900.00}. The c/o was accepting my payments and then started raising them.I started paying {$50.00} dollars a month which they accepted.They were adding interest and I was not able to pay more.This happened in XXXX. I made mistake.I have had to block their number, but they send me daily voice messages. I sent them a letter and a payment of {$50.00} on XX/XX/XXXX and it has not reached my checking account. I have paid every month. I will send a copy of their letter I received in XXXX. 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 explanation
Consumer complaint received 2022-07-02
Company: Affirm Holdings, 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 noticed an account with Affirm on my credit report in XX/XX/XXXX. I disputed it with the credit agencies because I did not open it. They came back saying Affirm said it was accurate. I then went to affirm and disputed it three different times in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They also said it was accurate and I was responsible for the loan. After some digging, I found evidence that my husband who I am separated from, took out the loan in my name, without my permission. I mailed a letter to them in XXXX of XXXX showing this evidence and also submitted a complaint to the XXXX XXXX XXXX Affirm responded to the XXXX  saying it was correct but referred to me several times as XXXX XXXX. My maiden name is XXXX and I am guessing that it was they meant but this is just further proof I did not open the account as that is not my legal name. The original order ( truck parts from a company called XXXX XXXX XXXX  ) paid for with this Affirm loan was not addressed to me or mailed to my address either. I can't even access any information on Affirm 's website because I didnt create the account. They have since marked it as 120 days late and sent it to a collection agency. It has destroyed my credit and I don't know what to do to prove I didn't do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Chime Financial Inc
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I submitted an earlier complaint on XX/XX/2022 ( ID : # XXXX ) concerning fraudulent charges through my bank account with Chime. Chime responded by returning most of the disputed charges coming to a total of {$1300.00}. However the claim amount was for {$1800.00}. Upon reviewing the disputed charges Chime left out {$500.00} that was on of three charges at XXXX. I then emailed Chime back informing them of the discrepancy. They then responded asking for " new information '' regarding the case ( see response attached ). As I have no " new '' information to provide as it is the same case I have decided to reach out here for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I contacted the agency to ask them to remove my addresses and places of employment off of my credit report. One of my addresses I lived as a child. Someone had used my identity at that residence. Also I explained another issue was, I was victim of XXXX XXXX and was placed in XXXX XXXX for my protection. I was told by the judge my addresses could not be published without my consent due to my ex-husband having all of my personal information. I also explained in this letter how I had to contact the social security office due to my ex-husband using myself and my son 's social security number to purchase goods, services and obtaining apartments. I have been denied this request. I further explained there are court records to confirm my case and also I had to be moved while in XXXX XXXX due to a XXXX  attempt in my home by my ex-husband. There are many court documents backing up this information. I was told permission would have to be given for my address to be displayed publicly.

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 2022-07-02
Company: EQUIFAX, INC.
State: AL
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:
i sent dispute on XXXX XXXX.i have not got the results. my report have a lot of inaccurate. can someone please look at it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 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 2018-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX servicing company for XXXX is listed twice on credit report for same account and refuse to update it. They told me to talk to XXXX. I have filed complaints with credit bureau 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 2022-09-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On the due date of XX/XX/XXXX, XXXX, I paid my balance in full in 2 separate transactions. The 1st transaction was by phone in the amount of {$3500.00} w/ my personal checking account and the 2nd transaction was online in the amount of {$10000.00} w/ my business checking account. I then setup auto pay for future payments ( thinking it would be effective XX/XX/XXXX ). Unbeknownst to me, the auto pay became effective immediately on XX/XX/XXXX and Synchrony Bank withdrew a 3rd payment in the amount of {$12000.00} from my business checking account. Therefore, on XX/XX/XXXX, I paid total of {$25000.00} on a {$13000.00} balance. On XX/XX/XXXX, I tried to make a purchase of approximately {$1000.00} and it was declined. I contacted Synchrony Bank customer service and was told that they put a 5-day hold on my payments and that I could not use my credit card for 5 days despite the fact that I have a credit of {$12000.00} w/ them. This resulted in me losing the purchase that I should have been able to make considering I ALWAYS pay my on time balance in FULL and have been a LONG TIME customer, they refused to remove the 5-day holds from my payments until and unless the payments had cleared, despite the fact that historically I was always allowed to charge on my card after each payment w/o a 5-day on my payment. Both the customer service and supervisor were unprofessional and unhelpful.

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 2022-12-02
Company: Messerli & Kramer P.A.
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I first received a garnishment order from Messerli and Kramer for XXXXXXXX XXXX for a XXXX XXXX credit card of {$780.00}, on XX/XX/XXXX. I was not notified of any such debt before the garnishment order was granted. I then check my credit report and it was not listed as a collection debt for any XXXX XXXX account. I then went through the court to reverse this and it was granted in my favor for them not notifying me. I then received another garnishment order from the same company and the same file number from the sheriff on XX/XX/XXXX. This time the amount is different {$1100.00} plus costs. Here again. There is prior notification to me to dispute this debt. I never received one piece of information for this account or a court date to appear to dispute this account. This time, it just shows it was eSigned from their company and no letter was attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: ClearOne Advantage, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I just signed up with Clear One Advantage, a credit resolution company last week ( XX/XX/2020 ) to take over my four credit card balances and provide them payoff offers much less than what I owe, for which I am to place money into their account - XXXX XXXX XXXX in XXXX, OK, for 54 months monthly, to be withdrawn from my checking account. They have given me lots of paperwork online, and the gist of this is : The total I owe is {$15000.00} and they would payoff the creditors approximately {$10000.00}, and their fees would be {$3800.00} included in this amount, so the creditors would only get in the {$6000.00} range. This seems exorbitant, to me -- and they claim I can pay off the balance at any time if I should be able to -- but whatever it is includes their fee. Since I would be paying it off early, why should they be paid for the entire 54 months or whatever period of time is still on the contract at the time of payoff? I am wondering if you have other complaints about these companies? Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX acct number XXXX is in violation of my rights. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct XXXX is in violation of my rights. 
In accordance with the XXXX XXXXXXXX acct XXXX has violated my rights. 
In accordance with the XXXX XXXXXXXX XXXX XXXX acct number XXXX and XXXX XXXX acct number 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 States a consumer reporting agency can not furnish an 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 2022-06-08
Company: SYNCHRONY FINANCIAL
State: OH
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:
XX/XX/22 Received statement from Lowes Synchrony Ban with a double charge of {$110.00} from XX/XX/22 for the same products. Went to store and the head cashier said one of the invoice numbers one of the invoice numbers did not exist in their system. We filed a dispute with the bank and received a letter from them stating they were investigating the dispute and give them 90 day and no fees or interest would be charged during this period. Called again on XX/XX/22 as we received another statement to pay and again was told to ignore the charge. Received email and texts this past week to pay this charge and they sent me to collections and charged {$29.00} late fee. Called again XX/XX/22 and talked to several people with different stories. was on the phone with them for two hours and the last man, XXXX said there was not a dispute in the system and a new dispute would have to start again even though we had the letter from XXXX. We have never had anything sent to collections and don't know where to begin to resolve this. We have asked for a copy of the invoice showing the second purchase for {$110.00} or documentation of what the bank has been doing after the first letter we received from them on XX/XX/22 and why we were not notified that the dispute had been resolved on XX/XX/22 and they would not give me any 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 monetary relief
Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 2022-12-02
Company: Resurgent Capital Services L.P.
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: Their investigation did not fix an error on your report

Complaint:
I have been trying to correct my credit report for over 6 months. I have asked all 3 credit bureaus to provide proof of the debt ( 609 LAW ) in writing several times and have been ignored with no responce. I don't have any knowledge or recollection of these debt. I believe they are reporting incorrectly and it is affecting personal and financially. Please remove the following inaccurate items listed below from my credit report. Thank you in advance. 

XXXXXXXX XXXX XXXX Last reported XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$260.00} XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$160.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX  Inquires XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX IN XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: LEXISNEXIS
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:
XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcy to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to : 15 U.S.C 1681 Section 602 A States I have the rights to privacy.

According to : 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 According to : U.S.C. 1681s- ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 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 2022-06-08
Company: TrueAccord Corp.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
debt was paid on the telephone by original creditor and considered paid in full {$600.00} and will credit the other {$75.00} on XX/XX/2022 but debt collection still trying to collect on. the {$75.00} when original creditor already agreed it will repaid in full with thee {$600.00} amount

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX Account # XXXX balance {$1000.00}, XXXX XXXX XXXX Account # XXXX balance {$950.00XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX balance {$1700.00} 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 an account without my written instructions

Company response to consumer: Closed with explanation