BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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 is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. 
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 2023-05-10
Company: Experian Information Solutions Inc.
State: PA
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 fraudulent accounts reporting on my consumer report. I have sent a notorized FTC report and valid driver 's license to Experian, XXXX, and 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 2022-12-09
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:
XXXX keeps opening up Disputes everrytime I contact CFPB with new information in the last 60 days XXXX Has Only Corrected and deleated XXXX XXXX these practices need to be pubilicflly notted for future Law Suits as Exhibits as well XXXX needs to stop trying to sell me services to boost scores etc THIS NEEDS TO BE STOPED IMMEDIATELY

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 2023-06-22
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: HI
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 XXXX ) has violated my rights. 
154.s.c 1681 section 602 A states I have the right to privacy.

15 U.S.C section 602A section 2 It also states a consumer reporting agency can not furnished 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 2023-05-10
Company: Experian Information Solutions Inc.
State: PA
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 was unable to get a rep on the phone to resolve any of my issues. I was made aware by XXXX that my personal information was leaked to the dark web and I have hard inquiries on my credit report and collections that are not mines. I have filed a police report but the credit bureaus are refusing to remove 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 2023-06-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX has already removed the XXXX XXXX XXXX  account due to identity theft since i sent in all the legal required documents. You MUST REMOVE IT AS WELL. YOU ARE PAST 4 DAYS SINCE RECEIPT TO REMOVE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: PA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
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:
I received a credit card from XXXXXXXX XXXX in the mail at my home. I never applied for this card or requested a card from them. 

I then go on to find that there is a hard inquiry on my credit report for this and showing a new account on my report. I never asked for this and highly believe that this is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was XXXX  during the period of opened accounts 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 explanation
Consumer complaint received 2023-06-22
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I reached out to XXXX, XXXX, and Equifax about errors on my credit. I did not receive any correspondence and i had tracking on my letters, and they were received on XX/XX/XXXX and XX/XX/XXXX. There are late payments on a loan with XXXX XXXX that is inaccurate. I was never late with them. There are late payments on a XXXX XXXX XXXX account from XX/XX/XXXX that is also not accurate. They are reporting false late payments, which hurts me financially because my credit score is lower than it should be. Both of these creditors told me that I have to fix this incorrect information with the bureaus. However, I am being completely ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
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:
Experian continues to report an account a inquiry that was obtained without my consent. I have no knowledge of the account along with the inquiry that shown up my credit report. I have filed another police report and an FTC report due to these fraudulent transactions. Experian has not done anything to fix the situation, hoe are these accounts even coming back verified when I did not authorize XXXX XXXX ever to run my name or issue a account in my name. 

FTC report number : XXXX I have also attached another coy of my police report that the specialist I spoke to this morning with Experian claims they do not have on file.

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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX : {$420.00}

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 2023-04-06
Company: Experian Information Solutions 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:
PA CHILD SUPPORT XXXX CO XXXX XX/XX/2012 Amount : {$1300.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts dont report this type of account. 

Its also a violation of permissible purposes, they need direct written consent from me to report anything 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 explanation
Consumer complaint received 2022-11-24
Company: JPMORGAN CHASE & CO.
State: MD
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: Overcharged for something you did purchase with the card

Complaint:
I am writing to dispute a re-bill charge of {$400.00} for XXXX XXXX to my credit card account in my latest billing statement. The re-bill appeared in late XX/XX/XXXX, and showed up on my XXXX statement. This is the THIRD XXXX re-bill for the amount of {$400.00}. 
I originally purchased the XXXX flights on XX/XX/XXXX, and the total cost was {$2700.00}. On XX/XX/XXXX, XXXX refunded me {$400.00} because our seats on XXXX XXXX could not be reserved in advance. In XX/XX/XXXX, I disputed {$2200.00}. This disputed amount is {$2700.00} ( which is the original ticket amount ) MINUS {$400.00}, because I had already gotten back {$400.00} from XXXX in XXXX. The reason I disputed is because I was having issues with the flights ( i.e. XXXX weeks prior to our departure date, our flights to the final destination were still unconfirmed by XXXX ). 
As mentioned earlier, I have been re-billed the {$400.00} by Chase three times. Prior to the XXXX statement, there had already been two refunds of this re-bill ( the first refund occurred on XX/XX/XXXX and the second refund occurred on XXXX ). Each time, I contacted the dispute division to correct this, because my disputed amount had already excluded {$400.00}. However, this third time, the charge has not been refunded. Ive called the dispute division a few times regarding this third re-bill, and would just be told that, This is still pending review. 
The charge is in error because when I disputed the XXXX charge, I did not dispute the total amount of the plane tickets. I disputed an amount that excluded {$400.00} because it was already refunded to me back in XXXX by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Was not notified of investigation status or results

Complaint:
I've sent numerous letters to all the bureaus to fix incorrect information on my credit report and they have not responded. It has been more than a few months. I would like all the incorrect information removed immediately.

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 2023-06-22
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: Account information incorrect

Complaint:
I do NOT give any Credit reporting agencies to give my private information to any other 3rd parties or permission to collect my private information ( per 15 US Code 1681b ( a ) ( 2 ) _permissible purpose- I did not and will not give written permission for any credit reporting agency to furnish my consumer report ). But XXXX XXXX is still showing on my credit file ( No consent is Identity theft ) XXXX XXXX reporting many incorrect and non matching information including : -still reporting an open account as of XX/XX/XXXX. XXXX. But has admitted the account was transferred in XX/XX/2023 -communicating In last/recent CFPD complaint that I owe 1 month payment. But I have a statement asking for 3 months payment -saying I owe 1 month payment, but recently reported to credit bureau that my account as up to date for all payments Also Equifax received original complaint XX/XX/2023, but did not give a response in the lawful XXXX timeframe in which anything not verified within the XXXX is to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: TriPoint Lending, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for debt consolidation loan but they denied it instead they put me in structured loan payment. They discussed to me whats only is good like my monthly payment will be lowered and i will only have 1 monthly payment since the existing loans will be paid off. And they also advised me to stop all my automatic payments right away. 
In their email they said someone will call me to discuss the welcome packet bug nobody called me to discuss it. There was only a lady who called me to set an appointment. 
But then they already charged my bank account of {$270.00} without discussing anything. 
One of my lenders called me and following up about my monthly payment since I already canceled my automatic payment. And they said that nobody from Alleviate contacted them. And if I cancel my automatic payment and will not pay, they will charge me late fees. And Instead, they were the one who called Alleviate. 
When I called Alleviate what happened, they told me that I need to have 55 % fund first before they can offer my 2 existing lenders a pay off. Meaning Alleviate will charge me first monthly before they can negotiate to my 2 existing lenders. 
Now, I want to cancel the Alleviate because of misinformation about the 55 %, XXXX XXXX said that they can not give back the full refund of {$270.00} because they paid for legal fee of {$250.00}. He said they only have {$5.00} in my account and thats the only amount they can refund. I told him that information wasnt discussed to me either. He said I signed it in their contract which by the way never discussed to me in full details again. And they only discussed to me the information that are good to hear. 
Of course I will sign the contract because they only discussed to me the good side of the contract and told that is what written in the contract.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-06
Company: Experian Information Solutions 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:
XXXX XXXX Amount : {$1100.00} Date Opened : XX/XX/2022 Youre reporting an account that does not belong to me. Im requesting a 30 day investigation to prove this debt belongs to me. If you can not send me proof please delete this from my credit report immediately. Below are a few things I need to see in 30 days if not please remove from credit report. 

* Please show the original contract with my signature that shows I owe this debt. 
* I need to see the assignment contract between you and the original creditor. 
* Proof that this debt is within the statute of limitations in the state of Pennsylvania. 
* Proof that you are a licensed and bonded debt collector and can collect debt in the state of Pennsylvania. 

Thank you Ill be looking to hear back in 30 days, if not please remove this unknown account from 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 2023-04-06
Company: Experian Information Solutions 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:
XXXX XXXX XXXX : {$770.00} Date Opened : XXXX, XXXX, XXXX Youre reporting an account that does not belong to me. Im requesting a 30 day investigation to prove this debt belongs to me. If you can not send me proof please delete this from my credit report immediately. Below are a few things I need to see in 30 days if not please remove from credit report.

* Please show the original contract with my signature that shows I owe this debt.

* I need to see the assignment contract between you and the original creditor.

* Proof that this debt is within the statute of limitations in the state of Pennsylvania.

* Proof that you are a licensed and bonded debt collector and can collect debt in the state of Pennsylvania.

Thank you Ill be looking to hear back in 30 days, if not please remove this unknown account from 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 2023-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The 7yr Statue of limitation is up on these accounts, also the accounts also state that the debt is already written off as a loss. can you help removing this account from all 3 credit bureaus

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-01
Company: SYNCHRONY FINANCIAL
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
JC Pennys along with Synchrony Bank billed me in XXXX and XXXX for on line charges purchases not made by me. Some of these charges were even paid for but they promptly took the charges off and issued me a refund check on XX/XX/XXXX for {$380.00} and closed the account. They opened a new account which I did not request. In XXXX of XXXX they sent me a new bill for new bill for {$100.00} even though I had not used the new card. It said there was a previous balance as of XX/XX/XXXX for {$180.00} a credit of XXXX a fee of + {$30.00} for a total of {$100.00} due. I called XX/XX/XXXX for an explanation and they said they over refund me on the check they issued in XXXX. I could not follow their explanation but we agree to settle and close out the account for {$79.00} which I made immediately ( confirmation # XXXX ). In XXXX they sent me another bill for {$100.00} less a payment of {$79.00} less a credit of - {$30.00} plus a balance transfer of {$100.00}. I can not get an answer to why I owe this money when the account was settled in XXXX. They now are continuing to add {$30.00} a month to an account I have not used and thought was settled.

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 monetary relief
Consumer complaint received 2023-05-10
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hello, my name is XXXX XXXX, and I am writing this complaint regarding my Hilton Honors American Express Surpass Card. I received an advertisement ( with a specific code ) in the mail to submit an application to potentially earn XXXX bonus points and a free night reward if I spent {$2000.00} in purchases in the first three months. The annual fee is {$95.00}. I applied for the card on XX/XX/XXXX and was approved the same day for {$1000.00}. I reached out to customer service on XX/XX/XXXX at XXXX XXXX  Eastern time to discuss why I received a low credit limit, how I was supposed to use it for hotel stays, and how I could acquire the advertised awards. The representative indicated I could spend a certain amount monthly, pay it off and keep repeating for XXXX months. I told him there was no way I would have applied or wasted a credit inquiry for the {$1000.00} ( - {$95.00} annual fee ) that is charged the first month of the account. I can not use this credit card to secure a hotel ( I planned to use it for a trip to XXXX XXXX ) for XXXX XXXX weekend. The purpose of the card is to acquire points at Hilton Hotels. After waiting 20 minutes for a supervisor, I was told a XXXX would call me back. It has been over XXXX hours, no call. I am disappointed in American Express as I have no issues with three other credit cards with the company. I believe this was a false advertisement to have individuals apply and pay a hefty annual fee but be unable to use the card.

Company response to consumer: Closed with explanation