BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: DC
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:
My name is 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX, Equifax and XXXX are reporting inaccurate information. I sent a letter on XX/XX/22 about an inaccuracy on my credit report. There is a collection that was paid off, but XXXX is reporting it even though there's an agreement with the original creditor to delete once paid. The account they are reporting is also a violation of XXXX. Unauthorized inquiries are being reported by all XXXX credit bureaus. Please delete the inaccurate account and unauthorized inquiries. The letters that were mailed are attached listing the items to remove. The collection account to remove is XXXX XXXX XXXX XXXX the account number is XXXX. Please reference the attachments for the unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Byrider Franchising, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom it May Concern : A Hard inquiry was performed on XX/XX/2023 to my Credit by XXXX XXXX ( CNAC ) which was not authorized by me. I have not signed any paperwork or applied for any auto leases or loans through this or any other Company. While my husband does have a outstanding loan with this company, my information was not used, in full or in part, on any of the paperwork pertaining to this loan. I have not given Verbal permission, or Authorization of any form as well. I feel that my personal Information has been compromised as I did not give them any of my Information, such as but not limited to, my Social Security Number, or Date of Birth. I feel as though this is a attempt to steal my identity and use my information in any way that they seem fit without. I would greatly appreciate if this issue could be investigated and evaluated to the fullest extent. Thank you for your time, dedication, and service. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Experian Information Solutions Inc.
State: IA
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:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX Not only is the account incomplete, its also inaccurate. 

Why are there so many missing fields of information? Did XXXX not supply that information to you? 
XXXX and Experian are both reporting payment history while XXXX XXXX is not. Was I late? When was I late? I don't recall ever being late on my payments.

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 2023-02-07
Company: Experian Information Solutions Inc.
State: DC
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:
My name is 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.

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 2022-06-22
Company: Experian Information Solutions 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 have contacted XXXX  twice on incorrect credit reporting for my credit report. My mortgage statements are correct but are totally different than what is reported on my credit report monthly. I was given a {$14000.00} grant inwhich i am not responsible for paying and they are reporting to the credit bureaus as apart of my principal balance and giving me a monthly balance increase. I have attached what my authorized mortgage company reported, versus what XXXX is now reporting.

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 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX Not only is the account incomplete, its also inaccurate. 

Why are there so many missing fields of information? Did XXXX not supply that information to you? 
XXXX and XXXX are both reporting payment history while Trans Union is not. Was I late? When was I late? I don't recall ever being late on my payments.

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 2022-04-23
Company: PNC Bank N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was subject to Fraud on XXXX. Someone posted a fake job announcement and then said that I got the job. Then sent me a fake check from the XXXX XXXX XXXX  with the amount of {$2500.00} asking me to deposit {$1700.00} to a third party using XXXX and keep {$760.00} for me, pretending that this is the actual job of management of donations to charities. The transaction occurred on XX/XX/2021. my bank PNC claims that they offer full fraud protection and that is adding XXXX as the only money transfer option on its portal refused to reimburse me for the fraud which is very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: SYNCHRONY FINANCIAL
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
This problem been persistent. XXXX failed to resolve my issue I even went to extent of filing a police report. 

Fraud mail is coming to my house. 
I am a senior citizen, and I am being taking advantage of.

Company response to consumer: In progress
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I received a rejection letter from XXXX XXXX about line of credit I never applied for. The letter cited some false facts about my personal credit record as the basis for the rejection. We sought a term loan from a company online, to see what products are out there, however, we never applied to a loan with XXXX XXXX. XXXX XXXX had previously sent me 5 emails between XX/XX/XXXX to XX/XX/XXXX requesting for information to evaluate offering a Line of Credit to my business. I never applied for any line of credit with them, nor did I ever authorize them to run my personal credit. It must be illegal to make financial determinations after illegally obtaining my credit record and misrepresenting the facts after I rejected advances from 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 2021-08-02
Company: EQUIFAX, INC.
State: AZ
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:
I have attempted multiple ways in having my credit reports investigated. Not only is there false information, no one has gotten back to me to reassess or explain. I am trying to buy a new home and the incorrect information reporting has to be against policies they have in place. This is so wrong and I have allowed more than enough time to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
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 XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
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: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX is deliberately suppress my actual payment amounts from the nationwide consumer reporting system. This failure to report actual payment data means my credit reports are missing fundamental information about my credit card repayment behavior that could help my receive better financial offers and save on interest expenses. My credit reporting on XXXX dropped XXXX points as of XX/XX/2023 as the result of increase of one card 's balance, but no reporting of the significant decrease of XXXX card balance from {$4000.00} to {$2500.00}. By suppressing actual payment data, XXXX is making it harder for me to shop for credit and save money on major purchase such as refi home, home improvement, business credit or vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2022-06-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX, I signed up for " Pay Over Time '' with an offer to earn 20,000 membership rewards points for doing so, but the 20,000 points were never awarded to my account ( see attached screenshots ). I XXXX this with the company on approximately XX/XX/2022 and they said they were unable to find record of this promotion on my account. They owe me XXXX  membership rewards points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
HSBC Bank XXXX Credit card customer informed me that they were lowering my available credit limit without reason or cause which resulted in lowering my credit score and hurting my ability to utilize credit. I had a balance below 50 % of my available credit and have never been late on a payment so this comes as a surprise with no recourse. This action should no be allowed without cause as it hurts peoples credit scores and purchasing power with no notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
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: Account information incorrect

Complaint:
XXXX, XXXX and Transunion are reporting inaccurate information. I sent a letter on XX/XX/22 about an inaccuracy on my credit report. There is a collection that was paid off, but XXXX is reporting it even though there's an agreement with the original creditor to delete once paid. The account they are reporting is also a violation of XXXX. Unauthorized inquiries are being reported by all XXXX credit bureaus. Please delete the inaccurate account and unauthorized inquiries. The letters that were mailed are attached listing the items to remove. The collection account to remove is XXXX XXXX XXXX XXXX the account number is XXXX. Please reference the attachments for the unauthorized inquiries.

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 2022-04-23
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We chose Navient in an effort to consolidate student loans. We were under the impression Navient provided loan consolidation. Instead, Navient set up payments to the individual loans, each with varying interests, charging fees for their " consolidation '' services. After several years of payments, we noticed that the principal balance had reduced very little and decided to seek a new company that provided true debt consolidation. The final balance of {$41.00}, XXXX was paid to Navient on XX/XX/XXXX. On XX/XX/XXXX, Navient showed a XXXX XXXX XXXX in the amount of {$820.00}, which was never disbursed. In XXXX, Navient continued to charge us even after the balance was paid off. We called Navient and they said they would correct the problem. According to the attached statements, Navient did reverse the charges on XX/XX/XXXX and still had not distributed the XXXX XXXX XXXX shown on the statement. Beginning in XX/XX/XXXX, Navient began charging late fees on a nonexistent balance and continued to do so through XXXX of XXXX. After several calls to Navient, they promised to open an investigation and correct the errors. The customer service representative admitted there was a problem, stating that it was " a mystery and a puzzle ''. Despite repeated attempt at correcting the issue and a promise of an investigation, Navient proceeded to report the balance to my credit agency which has now affected my credit. The company has still provided no solution, has not disbursed the {$820.00} Credit Balance Refund, and continues to charge late fees and report balances as unpaid when the statement clearly shows the opposite as evidenced by the attached statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have reached out to XXXX XXXX XXXX XXXX XXXX XXXX  on several occasions with email, phone, and mail no response. I have reached out to HRRG as well. I have been insured for over twenty years and this should have been already paid. I reached out to my insurance company, and they said it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 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 2023-01-31
Company: Experian Information Solutions Inc.
State: MI
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 sent an Email to XXXX XXXX XXXX requesting a credit history to be reported. 
I am in need of fico points. ( not very many either ) They replied and said they do not do XXXX XXXX 
This lack of transparency is causing an inaccuracy or the lack of information in my credit report and a hardship as I can not get a mortgage as a first time XXXX buyer ( even with a VA loan ). 


Step XXXX Below would not let me put XXXX XXXX on that line they are the problem not experian.

Company response to consumer: Closed with non-monetary relief