BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: MD
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:
This is the second time reporting Equifax Credit Bureau due to the credit report pulled on XX/XX/2021. I reviewed my credit report and realized they are reporting a balance on a account that has been settled already. Equifax is reporting a balance of {$710.00} for account XXXX. Please not that the original creditor is XXXX XXXX XXXX. This credit union consigned the debt to this unlawful debt collection agency XXXX XXXX XXXX XXXX. I requested this information to be corrected in XX/XX/2021. I then reported Equifax to CFPB, even though they stated to you that the information was reviewed I disagree. I have already provided documentation of proof of payments, bank statement, and letter from the debt agency stating debts have been paid and settled. I am unable to pass my background investigation for my potential job because of this error. 

The only resolve I want is to have the account completely and forever removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: SYNCHRONY FINANCIAL
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:
Someone opened a Syncb/PayPal card in my name. While the merchant did mark the account as fraudulent they did not remove the inquiry.

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 2021-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 paid off 15 year loan,XXXX I have 146 months never late on payment. 

I have 4 credit cards only 3 have balances. 

I had a score of XXXX, dropped 62 points the day i paid the loan off. 

I filed disputes with all 3 agencys, more than 30 days ago, no response wanted me to pay to see my fico score. 

If I get a loan now it will cost more, something is wrong, with this, and reading online i'm not alone. 

The cards have high balances, but have not changed, have gone down.

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 2022-06-23
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sent to collection with the account attached, and that account dont belong to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: YSA ARM LLC DBA Oxygen XL
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a bill. It directs me to a website that is not valid. The phones listed are only automated. The letter doesn't provide any information about the original debt I paid a debt for a parking ticket in may and I do have proof. 
1. the website XXXX is not valid 2. the number listed XXXX 3. no information about the original debt. 
4. I think this is related to a parking ticket XX/XX/23 5. I included a copy of the ticket 6. proof of payment on XX/XX/2023 is also included

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 2023-07-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-06-06
Company: JPMORGAN CHASE & CO.
State: DE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2022 I visited a Chase Bank branch to submit a Power of Attorney document on behalf of my Grandmother who has XXXX and is a permanent resident of a XXXX home. I am trying to close a safety deposit box as Chase Bank is going to start charging for this service and she can not afford to pay. Further as her POA I have a fiduciary responsibility to make sure her money is being spent wisely. This is not a good use of her funds as she no longer needs a passport which is likely the primary object in this box. 

Today I received a letter ( attach ) that states : The Power of Attorney is being declined because The Power of Attorney does not grant the Agent authority to perform the requested transaction : Grant the Agent authority to perform the fiduciary transactions However the Power of Attorney submitted ( attached ) states the following : By way of illustration only and not attending any limitation I specifically grant to my attorney in fact General authority with respect to tangible personal property transactions, General authority with respect to banking transactions, General authority with respect to fiduciary transactions. 

Chase bank is denying my request on the grounds for an item that the POA specifically mentions. Further, the POA specifically states that this doesnt limit to powers granted. 

When my grandmother needed a XXXX XXXX account opened the XXXX folks told me to avoid Chase Bank as their legal department makes customers jump through hoops. I believe this denial, plus the difficulty with opening trust accounts, is a effort by Chase to discriminate against older and poorer folks who would have POAs and XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: U.S. Auto Credit Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good day, I am reporting this account because I was working with this company from the beginning. I bought a car brand new but then it started having troubles right after I bought it. I keep sending it back into the dealership for repairs and such until it became so much work. I traded it in for a new car, so I do not have understanding to why my consumer report is reporting a balance I owe on this account. This account is reporting XXXX different balance along with being charged off why? Why is there active payment reporting on my consumer report and it is supposed to be charged off for whatever reason. This is causing me so much stress and I need answers. 

Account name : US AUTO CREDIT Account number : XXXX Amounts : $ XXXX {$6500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
There are Misleading and Inaccurate information that are reporting 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 2022-06-23
Company: Early Warning Services, LLC
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I had a grant sent to me by my employer for {$1500.00}, and I didnt receive the money. Zelle reported to the company the payment was completed successfully. Everytime I called zelle they would hang up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 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 non-monetary relief
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: TN
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:
There is Inaccurate Data that is reporting 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 2023-12-15
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-15
Company: Experian Information Solutions Inc.
State: FL
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Around XX/XX/2023 I RECIEVED AN EMAIL FROM TRANSUNION WHICH IS A CREDIT REPORTING AGENCY OFFERING ME A CAR PURCHASE THROUGH XXXX XXXX XXXX ( A SCREENSHOT IS ATTACHED TO THIS COMPLAINT ) IT WAS A GAURANTEED CAR PURCHASE. I THOUGHT IT WAS BAD ETHICS FOR A CREDIT REPORTING AGENCY TO BE OFFERING A CAR LOAN SINCE THEY ALREADY KNOW THAT I HAVE BEEN TRYING TO PURCHASE A VEHICHLE FOR ABOUT A YEAR NOW SO I CAN WORK. I HAVE NOT BEEN ABLE TO PURCHASE A VEHICHLE BECAUSE ALL THREE CREDIT REPORTING AGENCIES HAVE BEEN REPORTING NEGATIVE ITEMS THAT IS NOT MINE. FOR A YEAR NOW THEY HAVE BEEN REPORTING AND I'VE BEEN TRYING TO DISPUTE THESE ITEMS OFF. BUT ANYWAY TRANSUNION WAS THE INSTITUTION THAT SENT ME THE EMAIL THAT GARANTEED A CAR LOAN SO I GUESS THEY ARE THE ONE TO COMPLAIN ABOUT. I TRIED FOR THE LOAN BUT WAS NOT ABLE TO GET 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 2022-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Hello. First of all since I find out about Identity Theft. I'll been started checking all my accounts. It is causing me a lot of stress and dealing the feeling of XXXX  this situation. I noticed I'll been charge monthly through to my Capital One Credit Card, with this tracking websites called ( People XXXX & XXXX XXXX XXXX ). Some of the charges it go through to my Capital One Credit Card, some of it are declined because I don't have money in my Credit Card. I did called the Capital One Credit Card and explained about the charges I didn't subscribe. I did get refund some of it and change the cards. But still I notice they still keep trying to charge my Capital One account. I'll been down and sometimes cant think the solution how to pay those bills or charges I've never made. I am a single mom and I am the only one paying our apt XXXX Most of the time I take off from work because I cant think straight. Specially I work day and night and dealing this stressful Identity Theft. I need help and I hope the person who did this to me the authority government will catch them soon. I have documents statements from my credit Card charges and I will attached in this letter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: SC
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:
I have inquiries on my credit report that I didn't authorized and unaware of. 


XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX  XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/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 2022-08-22
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-11-25
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: Credit inquiries on your report that you don't recognize

Complaint:
Inquries not mine asked Experian to remove they refused and contacted institutions advised they will send request and have all removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-11-14
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The dates start back from XXXX XXXX through the end of that month of this year when I notice the unauthorized charges. I kindly showed documents and proofs about the amount and they just straight denied me without any warnings or any investigation. They didnt even take the time out to investigate. Over {$190.00} was taken and stolen from my account. And they aint help me resolve this issue. In regards, me and my lawyer reaching out for a solution to this matter. Im a model and a video creator I have a business those funds is for my business to help me renew and expand and get everything I need for inventory, its outrageous. Im begging for any support to please help me retrieve my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XX/XX/2016 {$400.00} Account # XXXX I have placed a fraud alert on my credit as well as filed identity theft. This account was not done by me. Please remove this 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