BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
On several occasions I have send a request for Credit Report along with a copy of new address, Gov, I.D . Copy of Bill, Copy of letter with address from the V.A. They keep sending me the same letter as if they had not received it all. I send the last copy regristered and i recieved the same old froam back. It 's been years going through this. But they keep giving out low score 's which I have not used credit in years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05
Company: SYNCHRONY FINANCIAL
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:
Inaccurate information, caused to go through identity theft. 
wrong addresses not associated with me as a person. 
Shared information without consent.

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 2022-08-17
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 XXXX XXXX Account number XXXX This collection account is showing on both my XXXX and Equifax credit reports. I have disputed this account, and it was not removed. Because of this collection account, I am unable to qualify to purchase a home. The credit report states that the account was opened XX/XX/2020. I did not open this account. 

After researching, I found that this violates my rights under the Fair Credit Reporting Act. My understanding is that the information contained within my credit reports must be accurate. 

I am asking that this account be investigated on both my XXXX and Equifax reports. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Since my identity has been compromised years and months ago, i discovered accounts reporting on my credit file inwhich i have absolutely any knowledge of and if you can not provide me with any physical documentation then I'm I'm demanding that these accounts be removed and blocked from my credit file immediately. 

1 ) XXXX XXXX {$1700.00} 2 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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 status incorrect

Complaint:
XXXX XXXX is reporting 30 days late payments on my credit report for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Federal law states that late payments can not be reported until at least 30 days past due date. I contacted XXXX XXXX  to confirm full payments were made before the 30 days for each incorrect reporting, dates listed below. XXXX XXXX  refused to correct this error. 

XX/XX/XXXX due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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 status incorrect

Complaint:
XXXX XXXX is reporting 30 days late payments on my credit report for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Federal law states that late payments can not be reported until at least 30 days past due date. I contacted XXXX XXXX  to confirm full payments were made before the 30 days for each incorrect reporting, dates listed below. XXXX XXXX  refused to correct this error. 

XX/XX/XXXX due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by 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 2015-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I was taken to small claims court for a parking lot accident that the law enforcement rules " no fault ''. The other party involved sued me for damages to his vehicle because he only had liability. My insurance counter sued him and the courts ruled in my favor. I even got my deductible back. I do n't understand why I have a negative mark on my credit report when the courts ruled in my favor and I won court lawsuit. This unnecessary negative mark is hurting my credit and I would like it resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This was never mine. My ex left in 2013 and took all my information bank account etc. 
I have not opened this account and know nothing about it till I got this notice of a judgement. 

I have had to fight several of the debts he opened. In my name. 


Please help me get this cleared from my name Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed a complaint on Navy Federal Credit Union complaint number : XXXX on XX/XX/XXXX, I received confirmation on XX/XX/XXXX that they responded that they are still reviewing my account. Today XX/XX/XXXX I received a email from Navy Federal stating that they are unable to grant me membership due to not being able to verify my identity how is this possible when my account has been open for months if my identity couldnt be verified they would have requested that information well before opening an account for me, I feel as if this is a stall tactic to keep my accounts frozen for no reason at all I explained the situation in my first complaint Navy Federal is trying to cover their tracks they are liars and I would never wish this treatment on anyone about their own money in their account how do you just freeze someone account with no explanation as to why I will have my lawyer involved in this matter immediately a rep begin asking me personal questions like what am I spending my money on I dont have to disclose this information to you all what give you the right to ask me that question

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are a few accounts on my credit report that arent mine. Please have them 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 2020-08-05
Company: Bryant, Hodge & Associates LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have no debt currently in collections. Back in XXXX of this year I received a phone call saying I had a debt from XXXX for {$6000.00} and they were offering a half off to settle the debt. They had my full name. I did not provide any personal information but did verify that they had my name correct. I was confused since I currently have a Chase VISA that had a {$6500.00} balance but I was current on payments and had never been late. It dawned on me that this was possibly from an old XXXX debt I had in XXXX  that was charged off and no longer owed. I quickly told them this was no longer owed and to stop calling me. 
I dont know if they have tried to call back since I have not answered unknown numbers since then and no voicemails since I leave my voicemail full ( due to other personal reason and not this in particular ). People I know only leave text. A few days ago I get the following text with the same amount so this must be the same company. This may be  a scam or a collector that purchased a very old debt in hopes to still collect ( I heard this is possible ). Since I advised them not to call they should not be texting me either. 
( my full name was here ), My name is XXXX XXXX from BHA Services you have a past due bill from XXXX. # XXXX. Balance Due : {$6000.00}. I can settle your account for {$3000.00} During this time we are working from home socially distancing, trying to keep the economy moving, we have offered you a 50 % reduction of your bill, when can you make your next payment? 
BHA SERVICES XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX VA XXXX XXXX XXXX PhoneXXXXExt XXXX Webwww.bhabillpay.com here is our contact info.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
hello i reviewed copies of i credit report and i have noticed charges that i did not make or authorize i am a victim of identity theft

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 2015-11-24
Company: Universal Fidelity LP
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
automated message to call number XXXX regarding debt. 

I have no debt nor does my spouse as the only occupants at our household.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I withdrew {$500.00} from XXXX Bank 's ATM ( XXXX XXXX XXXX XXXX, MN XXXX ) When I tried to take my money it seemed to be stuck and I only received {$240.00}. I immediately went inside the bank and told them what happened and they told that I had to contact the debit card company. I called American Express Serve customer assistance and they filed a disputed transaction on my behalf. I was told that it would take 10 business days to process the dispute and I would receive an email to submit my statement, I did that right away. After 10 days I heard nothing and they would email the dispute team for a staus update. After 5 days I called again and they said the dispute team was working on it. I was told I would receive an email with an update. After countless calls speaking with supervisors and upper level managers each stating that I had their guarantee that In would hear from the within 2 business days. I also was told originally that if it was n't resolved after 10 days I would receive a temporary credit for the {$260.00} which is the dispute amount, That never happened. I contacted the Minnesota State XXXX Consumer Complaint Department and they said they would look into it. After a period of about 3 days the I received the temporary credit of {$260.00} untol the matter was resolved. I originally filed the dispute on XXXX/XXXX/2016 I did n't receive the temporary credit until XXXX/XXXX/2016. On XXXX XXXX I received an email that the ATM company took {$60.00} back from the documents they have. I was told I could request those documents. I requested them and again after numerous calls they finally sent them. I can email you those documents if you would like. The documents state that I requested {$500.00} which is not true I requested {$260.00}. They also said they reviewed the camera footage and saw I was having trouble obtaining the cash and a few bills the wind blew from my hands.I will wait your response, I realize it 's only {$60.00} but my only in come is social security XXXX. I have XXXX and I have some medical expenses that are n't covered and the {$60.00} is a lot to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
To whom it may concern : My Roth IRA through USAA Federal Savings Bank was liquidated per my divorce decree. On XX/XX/2015 the Year End Summary value of my portfolio was {$22000.00}. Year End Summary on XX/XX/XXXXYear End Summary value of my portfolio is {$0.00}. 

I am unable to locate where this money was transferred to and on what date. Numerous phone calls to USAA are unsuccessful as USAA claims to have no knowledge or documentation and my ex-husband claims he never received it? There must be some sort of documentation or record regarding this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account does not belong to me. Please remove it.

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 2022-08-17
Company: Chime Financial Inc
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I've submitted all the evidence I had, yet Chime still refuses to side with me. I believe this bank is a fake. I got a charge from XXXX that I was confused by as I didn't make the charge because I already own XXXX vehicles. I told Chime about this and I thought I could trust them with my banking needs, but obviously they can't. They were supposed to protect me in the event that something happens, but even with the overwhelming evidence I provided, they denied me XXXX SEPARATE TIMES. I showed them proof of my other vehicles, the location I was at when I was charged ( at home ), and they refuse to give me a reason why. I requested for the reason, and they basically told me the reason is because they denied my claim. That's not a reason! And at this point, if Chime doesn't decide to issue me back my hard-earned money, I will be forced to take legal action against Chime. I'm already speaking with my lawyer due to the frustrations I have to deal with. Because this is ridiculous. Chime advertises itself as a place where your money is safe and secure, yet I had over {$500.00} ripped away from me and Chime refuses to give me the money back. These " investigations '' Chime makes are not investigations. Investigations don't happen in this short of a time span. So not only am I looking into legal mitigation, I will use my social media platform of over XXXX followers to expose Chime for the things they've done to me. Chime can simply look over the emails for all of the proof I provided that I didn't make those XXXX charges. XXXX is a fraud company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: CORELOGIC 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:
I had pulled a copy of my credit report and noticed there was incorrect information on my report there are two hard inquiries that I never gave permission to run my credit I contacted the company and asked them to remove them if they did not have permissible purpose they stated that they had no information on file giving them permission to run it a third-party ran my credit using their system they told me I had to go through the credit bureaus to get it removed the credit bureaus told me I have to go through the company that appears on my credit report when I contacted them they continue to tell me they can not do anything about it

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 2020-01-04
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
By XX/XX/2018 I begun to receive calls from Comenity Bank / Victoria Secret Stores about an account that I haven't paid for many months. I decided to call back and told them that I don't recognize this account, they pushed me that I have paid. I told them many times that I never opened any account like this. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-23
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I received a call from my bank on XXXX XXXX XXXX informing me there was a hold on my account. From a debt owed since XXXX. They told me to call Midland credit management and they informed me to call pressler and pressler. I never received a court order or any letters pertaining to this ever. I informed them that this is clearly identity theft and they told me they were going to persue the case. I called theft identity.gov and i am going to my bank to get a copy of the court order then off to fill out a police report. I have good credit. I just purchased a new car and this never came up. My credit score is XXXX. Clearly not someone that does not pay her bills. I am getting the rin around. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05
Company: SYNCHRONY FINANCIAL
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:
XXXX XXXX, no action was taken. I am still waiting for an investigation.

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 2020-01-04
Company: EQUIFAX, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
A creditor attempted to pull my credit report but was to do so because there a block on my cr edit report placed by Equifax. Additionally, I was unable to pull my credit report through the Equifax Complete Premier Plan to which I subscribe and pay a monthly fee. This is an ongoing problem for me with Equifax . This issue is known to them as I see several.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX XXXX XXXX $ XXXX XXXX {$1100.00}

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 explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: MI
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:
To Whomever Concern, On XX/XX/XXXX. The Original Creditor XXXX added a collections account on my credit report per XXXX XXXX XXXX XXXX Upon further research, on XX/XX/XXXX When First Noticing the account. I asked the company XXXX XXXX XXXX in writing to verify this account. In which the account stated I owed a balance of XXXX dollars. XXXX are breaking multiple laws as they have sold this debt 3 times, and each time I XXXX XXXX Has disputed the inaccurate account, In results the account was not verified, and was removed immediately. After the 30 days, but the debt was SOLD TO XXXX XXXX XXXX, and the company put the debt back on my credit report. Im demanded for this account to be removed from my credit report, due to the fact the original creditor could not verify the collections account. XXXX immediately sold the collections account to XXXX XXXX XXXX Without any acknowledgment XXXX XXXX XXXX is also reporting the inaccurate account information, such as payment status, balance due, creditor name, I feel as I am not responsible for this account. There was no written form of communication, contract or wet signature for the accused Debt in the amount of XXXX at all. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this COLLECTIONS ACCOUNT off my credit report. As I have no association with XXXX OR XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation