BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. I also noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. Also, the student loans are in mandatory deferment so no way to incur a late. As well as how can I get a 90 day late when you never been 30 or 60 days late You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified 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 2023-07-17
Company: Experian Information Solutions Inc.
State: MD
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:
Hello, It is stated under the law 15 USC 1681-a ( ( 2 ) 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. ) Late payments reported on the XXXX XXXX XXXX XXXX account violate this law. This letter is requesting the removal of all late payments on the following account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: EQUIFAX, INC.
State: IL
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 filed report XXXX with ftc reporting fraud i need you guy to delete all the hard inquirys from my report i filed report what else do i have to do thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
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:
These are not my accounts, addresses, nor did I authorize these companies to pull my credit.

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 2022-07-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-21
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: Personal information incorrect

Complaint:
CFPB + TransUnion, On my XX/XX/2022 credit report you have a wrong address for me- please have this removed. 

attached to this complaint are : - drivers license - social security card - address - complaint - screen shot where it is located Please remove my wrong address 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 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-07-17
Company: Experian Information Solutions Inc.
State: NH
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 sent the letters off on XX/XX/, from the postal office here is my receipt number # XXXX The purpose of the letter was to request the removal of personal information that I neither possess nor desire to have on my credit report due to suspected identity theft and misuse. Initially, I had some hope when a few items were removed, but unfortunately, they reappeared, this time accompanied by a new address where I have never resided. Attached you will find the receipts along with letter and more proof. 
I took the time to educate myself further on my rights, and according to the Fair Credit Reporting Act ( 12 USC 1681 ), I am entitled to privacy protection. Additionally, in conducting my own research to safeguard myself, I discovered that no financial institution should share my information with a third party, as outlined in the Gramm-Leach-Bliley Act ( 15 USC 6802 ). 
Please can you assist me and have them removed. please

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 2022-07-28
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
So on XX/XX/XXXXXXXX XXXX XXXX I signed up for Amazon  and applied for an Amazon card I got approved for the Amazon store card through synchrony however I use the account that has {$500.00} limit on it one time to pay for Amazon prime for {$14.00} can I go to place my first order after that and they said it was on hold due to suspicious activity I don't understand how that is suspicious making my first order but I then I received an email telling me to log into my account and provide necessary information that they needed I did this uploaded the document that they asked for which was a bank statement for the card which was from synchrony I've had to do this since that day several several times I've called them I've emailed of done everything I can and they keep saying that they can not validate my ownership of the account now please tell me if I'm sending you the exact bank statement for the card ending in XXXX  from synchrony Bank that gave me the card for Amazon how is that not valid they have yet to remove the hold because they keep telling me to wait for somebody to contact me that doesn't never contact me I have done everything I can so now I'm contacting y'all to get help I'm attaching the bank statement for the card so that you'll see what I'm sending them is from that same bank it's the same what I've been sending them

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 2022-04-25
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Attn : Fraud/Dispute Department XXXX 

XX/XX/2022 Re : Inaccurate Addresses being reported To Whom it may concern : Per most recent credit report dated XXXX XXXX XXXX ; Experian is still willfully reporting inaccurate address ( s ) and Im requesting that you remove any information that is not completely accurate. I am seriously concerned that the information that you are incorrectly reporting may send personal mail to the wrong address and jeopardize my identify or lead to fraud. 

My current and only correct address is XXXX XXXX XXXX, XXXX XXXX, Virginia XXXX. Please update the information in my report to reflect, ONLY my above mentioned, true accurate undeniably valid current address and remove all other reporting addresses that are not like the one I have submitted and proven. These other addresses are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per FCRA, Section 623 since they are not accurate I do not AUTHORIZE Experian to retain or report any addresses that is not accurate or certified. 

In accordance with Consumer Protection laws, I request that these NOTED addresses be removed from my credit report. I know Experian is only legally permitted to distribute reported certified complaint and verified valid claims that are true and as reported. I didnt not give Experian permission to publish outdated or incorrect information about me. I understand that you must complete this update with 30 days of receipt of this letter. 

Please send a letter verifying your absolute and total compliance to the above address along with my updated credit report. 

Thank you for your prompt and timely help in this manner. 



Sincerely,

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 2022-12-01
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On or about XX/XX/24, I received a bill {$30.00} for an amazon Chase credit card. To my knowledge, I didn't have an amazon account. The bill looked legit. It had all my info correct ; name middle initial, address, etc.

At this point, I wasn't sure if I bought something on line, clicked a box somewhere, and it was sent to me as a result. So, I called the number listed on it XXXX XXXX XXXX XXXX. 

During the call, the operator asked me to key in my SS # to identify my account. It didn't dawn on me until after I hung up the phone that was the moment I should've known it was a scam. He claimed the bill was canceled and I would not be charged. 

I talked to my local police. He confirmed my fears. Gave me a booklet to describe what steps to take as a result. I have let my bank know and now I'm letting you know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
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: Investigation took more than 30 days

Complaint:
Rushmore Loan Management Services LLC began servicing my mortgage in XX/XX/XXXX after it was sold from the prior servicer XXXX. First, XXXX has continued to incorrectly report to the wrong original loan amount of {$370000.00} as of XX/XX/XXXX. T.hey have document records that the original loan amount was {$390000.00} and not {$370000.00}. Secondly, Rushmore has continually reported the wrong outstanding balance owed each month to the credit report agencies. As of XX/XX/XXXX, Rushmore has reported my balance owed as {$360000.00} but has mailed a statement that shows my outstanding balance is {$360000.00}. Since, my original loan amount was {$390000.00} as of XX/XX/XXXX, I have paid a total of {$29000.00} toward the principal balance. Rushmore 's inaccurate reporting of the original loan amount as ( {$370000.00} ) and inaccurate outstanding balance as of ( {$360000.00} ), result in the CRA reporting that only 4 % of my mortgage has been paid since XXXX. THIS is wrong and has impacted my ability to obtain new credit. I have written the customer service department of Rushmore, who has continually not provided the correct information to CRA after I have disputed them three different times since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am submitting my complaint on my own free will. No one is coercing me or helping me. You can find my correspondence attached to this complaint.

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 2022-12-01
Company: Conduent Incorporated
State: IN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I last used my card on XX/XX/2022. I went out of state to XXXX  on XX/XX/2022 and returned to XXXX  on XX/XX/2022. I last accessed my vehicle on the XXXX XXXX because my vehicle broke down. I keep my card in an insert inside of a financial planner notebook, to which I had left in my vehicle when I last used my vehicle. Before I left to go out of state unbeknownst to myself my daughter had gotten in my vehicle to retrieve something and apparently forgot to lock the vehicle back up or someone accessed my car thru my broken sunroof. Im not sure which happened. Someone got into my vehicle while I was not in town and stole my planner which had my card inside. They used my card on XX/XX/XXXX, XX/XX/XXXX and XXXX at various places : XXXX XXXX XXXX XXXX {$44.00} XXXX {$29.00} XXXX {$7.00} XXXX XXXX XXXX- {$150.00} XXXX {$28.00} XXXX XXXX- {$6.00} XXXX {$3.00} When I returned home on the XXXX of XXXX I went to check my balance so I could pay a bill and realized someone had used my card. I went looking for my card and realized it was gone. I contacted way2go card services immediately and filed a dispute by phone. I was told they cancelled the card and would send me paperwork to fill out and send back within 10 days by the XXXX of XX/XX/2022 and I would receive a provisional credit. I didnt receive said paperwork until XXXX XXXX but promptly sent the paperwork in on XX/XX/2022 so I would get the credit. After sending the paperwork I called to make sure they had received it and the customer service lady told me they had received it and had already made a final determination this morning before I sent the papers in. Included in the paperwork I included a statement from someone stating I was not even in the state of Indiana when the charges were made. The lady said she couldnt do anything as it was a final determination. I asked to speak with a supervisor she transferred me. The male I spoke with who only referenced himself as a supervisor stated the same the prior agent had said I asked how I could appeal the decision and was told that I could not appeal the decision. I explained that the paperwork I had sent in included a written statement proving I was not even in the state when the transactions occurred. He said the merchant denied the claim or something to that affect. I reiterated that my card was stolen and that I was not in the state. I asked if my money on my card was XXXX  insured and was told it was. I said ok then I know I have the right to appeal your decision and was hung up on. Its awful convenient that the day I was suppose to receive a provisional credit they made a final determination yet did not send anything in writing and then lied and said I had no right to appeal the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
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:
This involves all 3 bureaus ( Equifax, XXXX, and XXXX ) as well as the furnisher of inaccurate information ( XXXX XXXX XXXX  ) On numerous occasions, I have filed disputes with all 3 bureaus listed regarding the inaccurate reporting of an account that is not mine. 

XXXX XXXX XXXX  XXXX I have asked for this account to be removed, yet it was inaccurately verified as accurate on all occasions and remains on all 3 reports.

It is not possible for any of the 3 bureaus to report this account accurately when each one has reported discrepancies with the High Balance, Last Verified, Date of Last Activity, Date Reported, Date Opened, Closed Date, Account Status, and last Payment. I will attach proof of these reporting discrepancies. This alone is grounds for removal I must also point out that my rights are being violated under 15 U.S.C. 1681 section 604 A Section 2 : This section clearly states that a consumer reporting agency can not furnish an account without my written instructions. 

I have not given written permission to XXXX, XXXX, or Equifax ( consumer reporting agencies by definition ) to report this inaccurate account.

Company response to consumer: Closed with explanation