BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: NV
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my 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 non-monetary relief
Consumer complaint received 2015-10-15
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX & XXXX XXXX XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX & XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24
Company: Experian Information Solutions Inc.
State: NY
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 demand to see Verifiable Proof from Experian, XXXX  and XXXX ( an original Consumer Contract with my signature on it ) and have a file of the accounts listed below. The failure to positively verify these accounts, has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof. I demand the following accounts be verified or removed immediately. Please add a Promotional Suppression to my credit file. Which, nothing was sent or handled. In addition, investigation always exceeds the 30 day window. 

XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX  XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified 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
Consumer complaint received 2017-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 contacted Transunion and XXXX about incorrect items on my credit report XX/XX/XXXX certified mail. I disputed collection accounts on my credit report, alias l, updating name and addresses and inquiries on my credit report. I received a letter from Transunion 2 weeks later around XX/XX/XXXX that stated my permission was not needed for companies to run my credit and place hard inquiries on my credit report and I had to contact the companies. I tried to call them around XX/XX/XXXX to once again advise that there was unauthorized inquiries they were reporting XXXX XXXX XX/XX/XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX. 
On XX/XX/XXXX I received an updated letter from Transunion that showed some items removed but other accounts it stated dispute not specific ; verified and updated. However Transunion failed to send my validation from the creditors reporting negatively on my credit report. Such as XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX # XXXX # XXXX. I have not received any documentation with my signature or a contract showing I entered into a contract with these companies.

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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX [ Account # XXXX ], XXXX XXXX XXXX  [ Account # XXXX ], XXXX XXXX XXXX XXXX Account # XXXX ], have violated my rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction. 

In addition this account is listed in a bankruptcy. Since the information is included in a bankruptcy it should not be reporting separately to my consumer report. 

Delete these accounts

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 2022-03-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2020-03-05
Company: ONEMAIN FINANCE CORPORATION
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: Account information incorrect

Complaint:
This account has a XXXX  balance and needs to reflect that on my credit report. Please see attached balance statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit card
Issue: APR or interest rate

Complaint:
XXXX XXXX XXXX Credit Card : has a paragragh in fine print that entices a seemingly innocent plan. In the fine print : [ **Offer applies only to single-receipt qualifying purchases. No interest will be charged on the promo purchase if you pay the promotional purchase amount in full within 6, 12 or 18 months. If you do not, interest will be charged on the promo purchase from the purchase date. Depending on purchase amount, promotion length and payment allocation, the required minimum monthly payments may or may not pay off purchase by end of promotional period. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional balance. For new accounts : Purchase APR is 29.99 % ; Minimum Interest Charge is {$2.00}. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval. ] Being a senior citizen I am not able to read the fine print, and rely on the honesty & integrity of the company. I had arranged for my bank to autopay every month for 18 months. Comes the XXXX month, without my knowledge, the autopay stopped 2 weeks before the last payment. Which took me to a non-payment before the end date of the promo. Because I opted for the paperless statements I was unaware of the issue. I contacted XXXX Bank and asked to give a grace period. I prepared to pay the rest of the balance of {$600.00}. Instead they said I owe for the last 18 months of 29.99 % {$2100.00} was my remaining balance. There should a law against this type of credit card interest trapping. After several calls, they agreed to let me pay the balance owed. I am a lucky one but what about others that do not know how to fight these banks? 
Please do not allow banks to trick people. 29.99 % is high enough, but to miss a few days and tacking on the interest from day of purchase is not right. They rely on unsuspecting people to make a mistake like what I did. I will never buy from XXXX XXXX ever again.

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 2016-02-12
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Trying to process a short sale. For over 2 months, since XXXX 2015, we have received NO status except " the file is in review ''. Now after 2 months, no response except, " Updated financials are needed ''. NOT ONCE in the last 2 months, when I have called at least every week, they need updated information. Every time I call, I can not speak with anyone who actually can make a decision since it is " in review ''. We have an offer, submitted MONTHS AGO, several Valuations done by the lender, once recently 2 weeks ago, but no response on the short sale. Help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This complaint is a follow-up complaint to CFPB complaint # XXXX due to the inaction and lack of communication by HSBC. HSBC ( XXXX XXXX ) responded on XX/XX/2020 requesting that I provide the local authorities ( XXXX XXXX police department ) with the information about the occupants ' identities in the rental property of where the mail containing my debit card stolen. XXXX said that once the police report has been updated with that info, the investigation can continue with an " expeditious conclusion. '' On that same day ( XX/XX/2020 ), later in the afternoon, I went immediately to the XXXX XXXX police department to submit a supplemental report, which I also took pictures of. Those pictures I attached to an email I sent to XXXX XXXX on XX/XX/2020 to update her on what I have done on my end. I had to make several calls before XXXX finally got back to me on XX/XX/2020 that she has sent the additional information to the " Fraud team. '' On XX/XX/2020 I sent another email to XXXX to receive an update on the progress of the investigation, since I have not gotten any updates beforehand, nor any call backs from previous calls. Since that email on XX/XX/2020 I have made a couple more calls with, again, no call backs or responses from HSBC. I had notified in my latest voicemail that I will be filing yet another CFPB complaint because as I have mentioned in the previous complaint, HSBC is absolutely not moving towards an " expeditious conclusion '' and wants to drain my account dry with the exorbitant maintenance fees, leaving my current balance as of XX/XX/2020 to be {$38.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi my name is XXXX XXXX XXXX. I am filing this complaint completely for my self. I have not received any assistance in filing this complaint. My consumer report has violations that have caused me and my family harm. XXXX  [ Account # XXXX ] is in direct violation of 15 USC 168s-2 ( a ) ( 1 ) ( E ) ( ii ). {$2500.00} and {$3600.00} of this loan have competed the rehabilitation process. Delete now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
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:
Hello, I have too many queries in my credit report that I have not authorized and I already spoke with these agencies to report these FRAUDULENT queries but I have already been waiting for them to be removed please remove all these fraudulent concerns from my credit relationship THANKS ..

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 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are XXXX fraudulent accounts showing on my credit report that was not authorized nor opened by me. I have done my part by filing a police and identity thief report. I have agreed to press charges should the person or persons be located who used my identity. I am now requesting the following accounts be remove from the credit report XXXX XXXX account XXXX opened in XXXX of 2020 was not opened by me. XXXXXXXX XXXX account XXXX was not opened by me. I am not sure how these accounts were able to be opened because I can assure you they did not have XXXX forms of id. Please deleted the following accounts from the credit report being that they were opened fraudulently and not by me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Problem with how Kia Auto finance manage consumer loan payment. 
Bought new XXXX XXXX in XX/XX/XXXX. 
First payment due was XX/XX/XXXX. Set up auto debit in XX/XX/XXXX to be deducted from our checking. 
Payment was also deducted on XX/XX/XXXX ( XX/XX/XXXX was Sunday ). 
The problem start with XX/XX/XXXX payment. There is no debit from our bank, checked on XX/XX/XXXX on Kia Auto finance website, said that it was 1 day past due, tried to call company but line not available. 
Call back on XX/XX/XXXX, was told that their system was down, when asked why they did not put transaction through second time since we have auto debit set up, The rep was not able to give any explanation. He kept saying that if I paid over the phone, he would waive transaction fee.??? 
My issue is that 1. If there are auto debit in place, regardless of what happen on their end, why they did not put through transaction again. What is the point of setting up auto debit?? I decided that I am canceling auto debit. I will handle payment myself 2. Today is XX/XX/XXXX. Kia took out payment for XXXX and XXXX payment. Why 2 months since the payment due for XX/XX/XXXXis only for 1 pay and I was not late with my payment. 
3. When asked rep, how I would be assured that this issue would not be happening again, there were no answers .... I think this is unacceptable and a better solution needed to be putting in place in company policy. 
4. I want to send this whoever in charge of this company that I will never buy XXXX vehicles again. There are many options out there and if this is how they handle the payment then this is not for me. I will also not recommend This company to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are XXXX fraudulent accounts showing on my credit report that was not authorized nor opened by me. I have done my part by filing a police and identity thief report. I have agreed to press charges should the person or persons be located who used my identity. I am now requesting the following accounts be remove from the credit report XXXX XXXX account XXXX opened in XXXX of 2020 was not opened by me. XXXX XXXX account XXXX was not opened by me. I am not sure how these accounts were able to be opened because I can assure you they did not have XXXX forms of id. Please deleted the following accounts from the credit report being that they were opened fraudulently and not by me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed with no warning leaving me with no funds available. I reached out to the bank and was told nothing. The reps I spoke to were very rude and no help at all. I still have yet to receive my funds that were in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: EQUIFAX, 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:
I have attached and FTC report with inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
For the second and third time this year, XXXX in XXXX reported attempted fraud by Synchrony Bank. See attachments. I already reported Synchrony to CFPB earlier this year, when it failed to remove the first fraudulent credit report inquiry after repeated contacts. I spoke with Synchrony twice in XXXX. Both times I was told they would mail me a form to sign to have these fraudulent hard pulls removed from my credit reports. Synchrony has again failed to do this.

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