BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
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:
I was a victim of fraud these accounts are not mine I have sent this information in the credit agencies and nothing has change. 

15 U.S.C 1681 section 602 A States I have a 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 1692 B Chapter 4 Communicated by postcard.

15 U.S.C 1692 B Chapter 5 Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 U.S.C 1692 C Without the consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: HI
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 XX/XX/29 I have called XXXX XXXX XXXX to settle this debt & paid it in full. 

Once I got the receipt in the mail from them, I disputed the collection through Equifax TWICE with proof of transaction through Credit Card statement as well, and it still keeps coming back verified! Please help me get this deleted. By law through the Fair Credit Reporting Act, I have the right to challenge anything that isnt accurate and I'm needing your help with getting this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions 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:
Im submitting this complaint again to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.These following items listed below are unknown to me. 
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 2022-07-28
Company: Experian Information Solutions 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 recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : 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 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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I disagree with your choice to deny my allegation of identity theft. Why do you have the right to determine whether or not I am a victim? You have neither the authority nor the legal basis to make such a decision. If you don't agree to my claim, I'll get help from my lawyer to take this matter to court. I must stress that my identity theft claim complies with all legal requirements. As required by law, I have turned in an official report to a government agency. Together, let 's work to find a solution to this problem in the allotted five days. XXXX XXXX I want to be very clear that I will not stand by and allow this egregious injustice to continue. You will pay a price if you continue to reject my legitimate claim. I have no qualms about consulting with my lawyer and seeking a court order to address this ridiculous circumstance. I expect a written acknowledgment of this dispute letter and a clear commitment to investigate my identity theft claim promptly. My frustration and anger are beyond measure, and I am resolved to see this blatant injustice rectified. The law is on my side, and I will not rest until justice is served. 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 2022-11-28
Company: FIRST NATIONAL BANK OF OMAHA
State: WI
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 customer service

Complaint:
I am trying to settle my mother 's estate but First National Bank of Omaha refuses to release the credit on her account. I have been working on this problem for more that a year when we realized that my mother had XXXX and had overpaid her account. My mother moved several times in the past year and she died XX/XX/2022. I have not received the correspondence that XXXX said they would send to her billing address. Most frustrating is my feeling that if she had a balance on her account then XXXX would be happy to send a statement directly to me. I went to the post office to permanently change her last two addresses to mine. The credit is {$140.00} and I realize that this is not the most important problem in the world, but I wonder how many seniors have overpaid their accounts, and do their families even know about it? 
I can provide digital files of cc statement, death certificate, and poa. 
Thank you for your assistance. 
First National Bank of Omaha phone : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The family of 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 2022-11-28
Company: TRUIST FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
My social security number, drivers license and business ID was illegally used by my sister and husbands tax preparer for their personal gains. I paid him XXXX XXXX dollars on XX/XX/XXXX to help get me some type of aid and assistance that will help my business thrive without the stress of constantly working 60 hrs a week. Throughout that process of waiting, my fiancs brother stole my wallet not even six months later, due to his lack of accountability in our friendship. I have XXXX growing sons that I work hard to keep out of the realms of the vanity that exist this world. XXXX thing is once I told him No for the first time he steals my wallet and piles onto the compile of defrauding the XXXX and other lenders for illicit. I finally checked my credit score and noticed an extreme amount of inquiries. Just received a business credit report just to see my tax were altered from XXXX til now. Help please.

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 2022-11-28
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
My social security number, drivers license and business ID was illegally used by my sister and husbands tax preparer for their personal gains. I paid him XXXX XXXX dollars on XX/XX/XXXX to help get me some type of aid and assistance that will help my business thrive without the stress of constantly working XXXX hrs a week. Throughout that process of waiting, my fiancs brother stole my wallet not even six months later, due to his lack of accountability in our friendship. I have XXXX growing sons that I work hard to keep out of the realms of the vanity that exist this world. Crazy thing is once I told him No for the first time he steals my wallet and piles onto the compile of defrauding the XXXX and other lenders for illicit. I finally checked my credit score and noticed an extreme amount of inquiries. Just received a business credit report just to see my tax were altered from XXXX til now. Help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Affirm Holdings, Inc
State: IL
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 disputed a tradeline on my XXXX credit report from Affirm. I informed XXXX the account balance was incorrect and needs to be updated. Its been over 30 days since this account has been updated now. XXXX completed my dispute with incorrect information. On XX/XX/2022 XXXX stated Affirm informed them the balance is correct after I uploaded proof that balance was incorrect. XXXX did not update my account at all. Now I want this tradeline deleted from my report based on Fdcpa guidelines of incorrect reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: SC
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:
In accordance with the fair credit reporting act the following account have violated my rights 15 u.s.c 1681 section 602 A states i have the right to privacy 15 u.s.c 1681 section 2 it states a consumer reporting agency can not furnish a account without written instructions XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Acct # XXXX, Acct # XXXX, Acct # XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX Personal information XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX # XXXX XXXX, SC XXXX Employers XXXX cleaning

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My account has been paid off for 10-12 weeks. The company is still reporting a {$900.00} balance. The last reporting date by the company was XX/XX/2022. Ive contacted the company twice by phone and once by mail. Ive received a response via email that I must wait 45 days for resolution. Ive waited twice that time already. 

My credit score is XXXX and I dont think it will impact my score much. However, my concern is for the people- perhaps thousands- who are being negatively impacted by this. Having been in financial institution lending, I know all too well how many people have damaged credit resulting from lenders who cant generate a simple electronic report update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: AMERICAN EXPRESS COMPANY
State: AZ
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:
1. Amex sends an email saying your card " will.be reinstated if you pay the balance. '' So i did.

2. The statement is misleading and dishonest because A. Your card will not necessarily be reinstated B. If a card is approved the credit limit will be different- again, this is not reinstatement 3. Company is overtly promising a benefit by email which in fact they do not at all provide. 

This is class action material. 
Amex has been fined for deceptive marketing in the past. 

NOWHERE in the unsolicited email does it counter the initial proposition. 

This is fraud and deceptive marketing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: Social Finance, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On or about XXXX XXXX 2022, I opened Sofi Checking account with a promotion. As per the promotion, if i have direct deposit of $ XXXX within 30 days, I will be provided a cash back bonus of {$300.00}. I fulfilled that terms and conditions on XXXX XX/XX/2022 ( having more than $ XXXX as direct deposit ). Chatted with Sofi customer service ( on XXXX XX/XX/2022 ) and I was told by him that I will get {$300.00} cash back bonus within few days. 
Here is the chat You are now chatting with XXXX XXXX XXXX, XXXX XXXX, thanks for choosing SoFi! My name is XXXX XXXX, How can I help today? 
Hi XXXX XXXX how are you doing? 
when I am going to get my {$300.00} bonus? 
I'll be happy to help you. Give me 2-3 minutes to take a lookover your account. 
Thank you for holding and being so patient. We received your first direct deposit on XX/XX/XXXX. Your 30-days will be XX/XX/XXXX. Your bonus will post in 2 weeks from XX/XX/XXXX. 
ok how much bonus? 
If you deposit XXXX dollars with-in a 30-day period you would receive a XXXX dollar bonus. 


Today I saw that Sofi only credited my account for {$100.00} NOT {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

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 XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
FCRA requires investigations to be completed in 30 days. Trans Union and XXXX has gone over 30 days according to the law. I did not consent to XXXX and Transunion to add to my credit report. There was no investigation be either. I will be filing for a {$1000.00} in court. I will also be writing FTC that my rights were violated. Due to the XXXX, XXXX breach. I am demanding one last time that the bankruptcies be removed and sent an updated 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 2022-06-25
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A scammer managed to hack my info and keep ordering credit card replacement to his address, also hacked my phone and ordered worth of thousands phone and accessories. 
I tried to stop it communicating with the credit card company and he/she couldnt stop manipulating the cc companies and ordering new card every time. 
I managed to get the address where he/she wanted the card to be delivered. 
Now I have put a hold on all my credit cards but it creates so much inconvenience and became so frustrating and a full time job calling cc companies every time I get a text message of a new card request. 
They need to be stopped

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-02
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX - XXXX Balance {$14000.00} DEPT OF ED/XXXX - XXXX Balance {$3200.00} DEPT OF ED/XXXX - XXXX Balance {$6000.00} DEPT OF ED/XXXX - XXXX Balance {$3800.00} DEPT OF ED/XXXX - XXXX Balance {$1900.00} DEPT OF ED/XXXX - XXXX Balance {$4000.00}

Company response to consumer: Closed with explanation