BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-27
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 XXXX i made this clear for 60 days straight with XXXX XXXX spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX 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 XXXX now im XXXX XXXX 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 2022-06-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I believe XXXX XXXX XXXX XXXX is reporting inaccurately in Equifax. I do not recall having this account with this company. I don't think there is legal contract between this company & myself. I would like you to provide me verifiable proof this account belongs to me. I request a signed contract which will demonstrate a legal agreement. Please validate this information and provide me with copies of any documentation associated with this account which bears my signature. In the absence of any such documentation bearing my signature, please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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: Personal information incorrect

Complaint:
There is incorrect information on 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 non-monetary relief
Consumer complaint received 2022-06-27
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been trying to reach Comenity Bank since XXXX XXXX and it is now XXXX XXXX  and I can neither reach them by any of their phone numbers or their website. I need to make a payment today, and there literally is no way for me to do this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, I am writing you guys today because my credit report has been used illegally. XXXX Bank Account number XXXX has violated my rights. 15 U.S.C 1681 section A. states that I have rights to privacy. Also 15 U.S.C 1681B states any consumer agency may furnish a consumer report under the following circumstance and no other : with the written instructions of the consumer to whom it relates. I did not give this company or any company my written instruction to report this account on 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 non-monetary relief
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 submitting disput letters to the Credit Bureaus that about the fraudulent information on my Credit report and that they must remove the disputed accounst in accordance with the FCRA section 605b. I am appalled by the capacity of the Credit Bureaus to keep ignoring a consumer 's written requests for the removal if the accounts and iformation resulting from the identity theft. Once again, I was a victim of identity theft and that the accounts I am disputing do not relate to any transaction that I have made or authorized neither did I received any benefits from the theft of my identity. I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove any account which was found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for yours and the bank 's records. Please remove these files. If the Bureaus feel there is a possibility these accounts belong to me I will require all documentation which bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXriginal Creditor : XXXX XXXX ) XXXX Balance : {$0.00} Date Opened : XX/XX/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 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Reporting Trans Union, XXXX and XXXX about not receiving verification of inquiries on credit report! According to the FCRA ( Fair Credit Reporting Act ), legally these unverified & unauthorized items. MUST BE REMOVED!

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 2017-08-12
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: Public record information inaccurate

Complaint:
The company XXXX said that that my bankruptcy was verified through XXXX and I have a security freeze on there they stated that they got the information from a third party company

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 2022-06-07
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 did not consent too and benefit from or authorize any of the accounts listed in the attachments. 
Under penalty of perjury, I swear this account is false and misleading Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts. 
Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation.

Reference to the violations listed in the attachments section.

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 2022-09-20
Company: Credit Karma, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On or around XX/XX/2022 credit karma advised me of being pre-approved for a XXXX  XXXX credit card, all I had to do was apply for the card which I did. The report came back that I was in fact not approved and being that a hard inquiry was performed, my credit score immediately dropped by XXXX  points which made an already difficult situation of finding housing as my lease was coming to an end to an almost impossible situation! I have since read in numerous articles that I am not alone in this matter so I decided to report this misinformation in hopes that it doesn't continue to happen to others!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  Account # : XXXX. 

XXXX XXXX Account # : XXXX. 

XXXX XXXX XXXX Account # : XXXX. 

XXXX XXXX XXXX XXXX XXXX  Account # : XXXX. 

XXXX XXXX XXXX Account # : XXXX. 

XXXX XXXX XXXX Account # : XXXX., has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XXXXXXXX XXXX I sent via certified mail a letter to all XXXX bureaus regarding accounts that were inaccurate and to be investigated. 
The Credit bureaus stated : XXXX or XXXX XXXXXXXX XXXX XXXX was properly investigated but how, if the date last active in Not Accurate. 

XXXX XXXXXXXX XXXX was properly investigated but how if the high balance amount, date of last active, and last payment date is Not Accurate. 

Over 30 days has passed and nothing had been sent to me for validation and accuracy for XXXX XXXX XXXX. 

This is grounds for Removal. According to 15 U.S.C 1681i ( 5 ) ( a ) it sates If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
My federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 are being violated continuously They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The Law clearly states a consumer reporting agency Cannnot furnish a account without my written instruction.

15 U.S.C 1681 Section 602 A. states I have the right to privacy I Haven't given these accounts written permission to furnish these accounts on 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 non-monetary relief
Consumer complaint received 2022-08-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have this Paypal Mastercard since XX/XX/XXXX, the mailed agreement says there is NO FOREIGN TRANSACTION FEE. 
In XX/XX/XXXX I have booked flight tickets and hotel abroad and the FEES were charged as 3 % over my purchases. I have called Paypal Mastercard on XX/XX/XXXX, they said they changed the agreement rules and I should be aware the foreign fee were 3 % now. 
I have NEVER received the new agreement, so I want the fees waived from my statement, here is breakdown ; FOREIGN TRANSACTION FEE {$58.00} XX/XX/XXXX FOREIGN TRANSACTION FEE {$49.00} XX/XX/XXXX FOREIGN TRANSACTION FEE {$36.00} XX/XX/XXXX FOREIGN TRANSACTION FEE {$29.00} XX/XX/XXXX Total Charged over Foreign Transaction Fees : XXXX USD

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 2022-12-19
Company: Shellpoint Partners, LLC
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 status incorrect

Complaint:
I have requested my mortgage company Shellpoint Mortgage Company to update my credit report to show accurate and fair reporting on XX/XX/2022. I sent in a copy of my credit report showing inaccuracies based on my spouses deployment status during the time of reporting along with a detailed description of request. I was told that information was missing in order for them to complete their updates. I notified mortgage company that the information had been faxed. After several phone calls and complaints, I was told that the information I faxed was uploaded to the wrong file which prolonged the process even more. I called several times after to inquire about updates and was told that I would get a call that would provide me with an update. I then re-uploaded the same information to my online portal in XXXX and called to verify receipt. XXXX was verified to have been received a second time and I am still unable to have this investigated properly and reported accurately due to the mortgage companys failure to do things in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions 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:
Took a trip to california in XXXX of last year upon returning from my trip i found that to of my bank issued credit cards had been used in transactions were my card wasnt present after that i started to get a lot of strange things on my credit report names address and accounts that ive never used or had as well as open account and inquiries contacted the banks and stopped cards and accounts also filed an identity theft report online contacted all 3 credit breau and have had no luck in gettint these things take care of this is all identity theft attempts on my report name XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX places of employment and a collection from a XXXX XXXX {$150.00} ive never done anything with this company and tons of inquires that are to many to list from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALSO ADDRESS ID # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX And also XXXX XXXX XXXX  ive never heard of or done anything with dont understand how they can report this fraud on my credit as if its accurate ive tried contacting them to help experian 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 2022-11-29
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had to get me a car because I was need of transportation like anyone else with a job! I had about {$400.00} left to my name & went to XXXX XXXX because I could do a low down payment! After test driving multiple cars without a/c & a high mileage, I found one that had a/c & was around XXXX XXXX miles. I read through the paperwork & signed. A couple weeks/ months later I go to make an extra payment on my account, so I could start paying on the principal no problem! Mid way through my payments, I had to call & be told that my payments are now going toward only the interest because my early payments caught up. Maybe XXXX XXXX but I need someone to explain how thats possible. Ive made little payments here & there, and have even made an actual auto payment early, somehow that all caught up to me. I went to check my account this month & my loan hasnt moved anywhere so it seems like that little payments didnt help at all. I cant help but to think Im being scammed or taken advantage of! ( I know getting any loan is a guaranteed scam, but the communication during the whole process is XXXX awful & confusing )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello. On XX/XX/2022. I was scammed on XXXX by a user that claimed to make me a profit from XXXX leveraging. I was scammed for {$2200.00} in total from across three transactions through XXXX on the Wells Fargo app. I did this because I thought it was a good decision since I am in need of money in order to pay for College expenses. I have contacted my bank Wells Fargo about the situation. They have sent out three different transaction claims but have got back no money. They have also sent out three requests towards the other institution where my money got sent and currently awaiting a response.

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 2017-08-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have made over three attempts to get this company to provide me full verification of this alleged debt for {$2200.00}. I was only sent the last statement from the original creditor for {$2000.00}.
This is my last attempt for full verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received emails at XXXXXXXX XXXX stating that I opened a Capitol One 360 checking account and that account was linked to XXXX XXXX. However, I did not approve of this transaction. I attempted to call the bank, however they are not opened ( open from XXXX XXXX  to XXXX XXXX  ). I went onto Capitol One website and changed the phone number as well as security information to prevent any more harm.

Company response to consumer: Closed with explanation