BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: MO
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:
Experian, XXXX and XXXX state that they have verified a bankruptcy on my listed on my consumer reports from public sources or XXXX XXXX. Yet the sources that the above mentioned companies have changed their sources multiple times and they have yet to sight a true source and verifier of the alleged information. In prior disputes Experian, XXXX and XXXX have stated that they have verified this information United States Bankruptcy Court and XXXX, but both organizations state that they do not verify any such information and XXXX XXXX does not have permissible purpose to attain, retain, maintain or sell my personal 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 explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX, has violated my rights. 

16 U.S.C 1681 section 602 A. States | have the right to privacy.

16 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 2022-07-28
Company: CAPITAL ONE FINANCIAL 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: Information belongs to someone else

Complaint:
I have been a victim of identity theft, I have had someone use my identity with different names, addresses and information. I need this investigated and fixed immediately. 

CAPITAL ONE Opened : XX/XX/18 Balance : {$7900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27
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:
Transunion : XXXX Bank XXXX XXXX  : XXXX Bank reports to Transunion I made a payment on XX/XX/XXXX XXXX car was repo without notice or writing then sold by XXXX Bank without notice. I did not make the payment .Transunion is reporting a incomplete account number and balance. I believe they XXXX bank sold the account with a Bal of {$6500.00} to a collection company that amount is wrong over {$2100.00}. I request that Transunion remove this account at once .Transunion will not let me log in at this time to look at my credit report because Im disputing 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 non-monetary relief
Consumer complaint received 2022-08-22
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 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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX 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 XXXX XXXX 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 explanation
Consumer complaint received 2022-06-27
Company: AMERICAN EXPRESS COMPANY
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2022, I used my social security account ( SSN ) to receive an extension of credit for a credit card with American Express and was sent an adverse action. Pursuant to 15 U.S.C. 1605 a credit card is defined as any card, plate, coupon, book, or other credit device existing to obtain money, property, services, or credit for family or household purposes. I am at the age of majority and have realized competency in the order of my affairs and see this act as discrimination against me and my good faith in my usage of my credit. This has harmed myself and my family from being able to benefit from the use of my account and in the full faith and credit that is promised to my by the United States Codes as a natural living being and original creditor. I believe American Express has violated 15 U.S.C. 1691 in this discrimination and I demand that my credits be made available to me for personal and family usage. No company or partner company was every given permission to furnish any negative information on my account or accounts to American Express to be able to make any type of discriminatory determinations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: CAINE & WEINER COMPANY, 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 contacted XXXX  and paid in full the owed amount of XXXX I then contacted the collection agency that had the account on XX/XX/XXXX and XX/XX/XXXX, to make them aware and I also emailed proof, the collection agency continued to tell me the debt is owed. 
I also paid XXXX XXXX Bank in full and asked if my credit can be updated, I submitted a dispute with XXXX XXXX  and was told that the debt was still not paid, and my XXXX  XXXX card shows paid in full. And the credit report dispute was closed and my credit report was not updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Kingston Data & Credit International 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: Account information incorrect

Complaint:
Kingston Data and Credit began reporting an account to my credit report with an open date of 2019. At no time did I ever open an XXXX XXXX Account in 2019. Also, at no time did Kingston send me an initial dunning notice. Upon identifying the account on my credit report I made MULTIPLE attempts to contact the agency which was a nightmare in itself. For weeks I called and could not get anyone to answer the phone, I left multiple voicemails and no call back. I disputed the account with the credit bureau ; however Kingston removed the account from only 1 reporting agency. I called the agency and was able to get someone on the line. I have so many concerns after speaking with the rep and Kingston needs to immediately pull their agents off the phone and conduct compliance training. The agent told me the account was only reporting to 1 CRA because the account was a states account and not in XXXX... I quickly corrected her but she seemed so confused and uneducated on what she was even talking about that it was frightening. The agent failed to advise me the call was being reported or provide me the XXXX XXXX. There is a lack of adherence to compliance at Kingston and it needs to be addressed and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: CITIBANK, N.A.
State: WA
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:
XXXX XXXX XXXX, XXXX XXXX XX/XX/2022 - transaction amount XXXX cent XXXX XXXX XXXX, XXXX XXXX XX/XX/2022 - transaction amount XXXX cent XXXX XXXX XXXX XX/XX/2022 - transaction amount {$1400.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 - transaction amount {$77.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 - transaction amount {$43.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX transaction amount {$43.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX amount {$43.00} XXXX XXXXXXXX XXXX XX/XX/2022 XXXX transaction amount {$13.00} All of the charges above were fraudulent charges that we were only alerted to us after the large XXXX  transaction for XXXX via text message alert from Citibank. I instantly called Citibank and logged into my account. I tried to do online fraud through Citibank but the transactions are in a pending status, so the system will not allow me to do any disputes for 3-5 days. I did speak with a Citibank representative who stated that she canceled my credit card and posted fraud alerts for all transactions but she stated I will not here about any outcomes for up to two weeks. I am very nervous about all of these fraudulent charges to my account especially the XXXX cent charges because those are usually test charges. Iasked the Citibank representative if they have had any fraud or hacking events and she stated no. After researching I found this to be inaccurate. XXXX XXXX and XXXX XXXX reported scams and hacking attacks pilfering over XXXX credit card customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
lets start its about identity theft, on XX/XX/2020 got letter about credit increase, from paypal which is a Synchrony bank credit card. So called them saying not mine, and week or so later saying im liable for it account ending in XXXXThis has happened three time, called them every time same thing different accounts. The seconded end in XXXX and third end in XXXXNow with over {$18000.00} in dept and in collection. Synchrony bank said it was a digital account so I never got statement in the mail, until the end when money was do .I also contacted the credit bureau , but nothing. Have gotten many letters from bank and dept collectors .I think Synchrony bank changed account number to protect them selfs .I wished I contacted you sooner. What should I do?

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 2022-09-20
Company: Bread Financial Holdings, Inc.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened the Bread savings account with {$100.00}. All I did was try to link my XXXX account so I could transfer funds. 

Next thing I know, the account was restricted. I sent in everything they requested, but they still would not unlock my account. I made MANY requests. 

I finally told them, in very simple tetms, that I want to close the account and get my very much needed {$100.00} back. No one will do this for me. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: REDEMPTION FINANCIAL SERVICES LLC dba NATIONAL AUTO ACCEPTANCE
State: NC
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 asked XXXX to run my credit once, so that i can see what i was approved for. i was approved for XXXX vehicles. maximus shared my private information more than XXXX. they shared it with many financial institutions without my consent or permission causing hard hit to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
fraudulent account, XXXX XXXX XXXX ,X/XX/2010, 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 2022-11-29
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This Complaint is against Citibank regarding my Costco credit card account that Citibank closed. Citibank issued me a letter informing me they are not reissuing my card due to " a bankruptcy or charge-off on another credit card issued by Citi. XXXX A similar action has also recently been taken against me regarding my Citibank Diamond Preferred card I have had since 1990. I also filed a Complaint regarding that action and account. Citibank representatives indicated to me they have no authority to change this decision. I also have a Citibank Citi Advantage Credit Card about which I can presume a similar action will be taken. I have never been late or missed a payment on my credit cards- the longest of which is 32 years. I also have no history of bankruptcy. Citibank claims it " charged-off '' a Home Depot Credit card in the amount of {$13.00} which I had no knowledge of. I currently have a Home Depot credit card and currently use that card. Apparently, a second card was opened at a XXXX XXXX check-out register to which I had no knowledge of, and which I never used. Citibank continually charged minimum service/interest fees and eventually " charged-off '' an account that had a balance of {$13.00} and again, no charges of mine, as I never used this card. Citibank 's actions are unreasonable and place my credit status and credit report in jeopardy, and moreover, its decision, which seems to be based on computer methodology, is prejudicial and disparately affects long-standing customers like myself with an outstanding Citibank record XXXX and with a history of on-time payments and loyalty.

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 2022-11-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i was pre approved, approved, for XXXX vehicles and was denied after the company benefited from using my social security card, i still havent benefited anything i dont have any car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
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: Information belongs to someone else

Complaint:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway,

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 2021-03-23
Company: TRUIST FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I can not contact my Mortgage company, Suntrust/Truist to get the proceeds from a check my insurance company sent with my, my spouse and suntrust name as payees back from Suntrust. It means we are unable to continue to work on our property which was damaged in XXXX when Hurricane Laura devastated our town, XXXX XXXX, La, and damaged our home which is financed with Suntrust. There is no way of contacting them by phone to speak with a representative. For several days in a row, I've waited 2 hours by phone and simply had to hang up. I called at XXXX, their opening hour, and immediately go on hold for hours. I need help with finding out about the check sent to them for a signature 3 weeks ago. We are at our wits end. Is this something your agency can assist me with? If not, I simply dont know how to contact them as your calls NEVER get you to a representative that can assist you, only recordings. 

Sincerely, XXXX and 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 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX XXXX Balance : {$2100.00} ; XXXX XXXX Balance : {$670.00} ; XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}

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 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
The company refuses to send me 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 explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Collection account. 

FCRA violations : payments not late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1600.00} Status Open. {$120.00} past due

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