BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It's not my account, i never applied for it, i never sign any contracts or agreements to receive benefits from this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My complaint is against Experian. 
I called to request help trying to get my freeze removed as I am applying for a mortgage. 
Since I didn't have my PIN number, I was told to send a letter requesting that my freeze be removed as it might be faster than waiting for them to send me a new PIN number. 
I sent a letter as they instructed while also paying for an overnight delivery. 
I called them a few business days later and they told me that they had no record of receiving my letter even though I had it tracked and was shown it was received.

Three more times over the next two weeks I called Experian and was told the same thing.

On my fourth attempt for help, I was told that I was going to be put on with a " supervisor '' to help me. On this call and over my next three calls for assistance, they merely put me on hold and after over 30 minutes of waiting each time, I eventually had to hang up.

Finally, I called yet again and requested a PIN numbe
r be sent to me. I had to wait about a week to receive it all the while trying to explain the hold up to my mortgage company who couldn't process my mortgage application without, of course, checking my credit.

After receiving my PIN number in the mail and removing my freeze ( after about four weeks of trying ), I simply can't believe this outrageous business practice is allowed to go on, especially since the other two credit agencies were simple and a pleasure to work with.

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 2021-12-11
Company: EQUIFAX, INC.
State: MD
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 XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX  XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I did not know I was paying for this service for my Paypal XXXX XXXX Synchrony card until about XXXX when I noticed my balance was not going down even though my minimum payment was over {$100.00} per month. I also lost my job at the time and wanted to file a claim. I contacted Synchrony bank and was told i had to contact the card security department or check the card security website. I remember having the same issue with my Amazon credit card and was able to find this on the card security website and cancel the plan. I tried to attempt this same step with my Paypal card and their website kept saying it cant find my information. I told Synchrony that if it cant find my information then whats the point of paying for this service and Id like to file a claim that this is an unauthorized charge. Instead of putting this charge on hold or putting a stop to it, they just told me to call that department back again. I tried calling again and was told that for some reason my name was not spelled completely and instead of 2 words it was combined in one word and that may have been why they couldnt find it before. I told the representative I wanted to cancel my plan and would like a full refund. I was told it was canceled and that I would get refunded what I paid for the plan which was over {$2600.00} at the time. I check my Paypal app and it stopped show the card security charge so I stopped worrying about it. Then a few days ago I noticed that my balance owed has been increasing even though I havent used this card in at least 2 years. I noticed that through the app it doesnt show the extra charge and I have to download the full statement for it to show the charge. Id like this plan removed from my card and get a refund for what Ive paid for this service up to this date including interest accrued

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 2017-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I am a   XXXX   XXXX    XXXX  that serves as an exexcutive for  XXXX   XXXX   XXXX . Since the turn of the century  XXXX  has been addressing the distracred driving " deadly epidemic. '' with intelligent  driving road conc entration training. For over  three yea rs  XXXX  conducted the " modernization of telephone banking '' and after opening and account a t Capital One 360,   XXXX   XXXX  , that has a safe system that rings right through the bank, but soon disco vered their partner  Captial One had outdated telecom with dangersou prompts, see :   XXXX   XXXX   XXXX   So being   involved in the   XXXX   XXXX   banking campaign spent  may ex tra hours, educatiing interested bank reps and managers about the   XXXX   XXXX   protocol, until approximately  nine month s later was congratulated by both reps and managers on the fact that Captial One was planning on using some of the  XXXX  recommendations. A short time later Ca pital One ch anged their  telecom to off er voice command then after  XXXX  realiazed that they we re sitll m aking the hazardous ATM record request, and we contacted them many times about this, and shortly there after they ceased to make this request, thusly addressing all the main   XXXX   XXXX   recomendations, except offering fair market research value compensation that is included with tnis imformation. We tried appealing to them to offer a donation for using this info or just for the good cause of auto safety so we could help protect their families, employees and everyone as a  million pe ople died in auto accidents last year!  Capital One refused  to pay for this info, and was reported to CFPB and has been lying to them and  XXXX  about this matter, as it can be proven by tapes they recorded of my many campaign conversation.   So we as k Captial One to be  honest about this, listen to the tapes, and study the time line on all this, and then it wil be obvious we were the major contributor to these changes, and if not why did their own employees tell me this? The tapes have the conclusive evidence, so we a sk Captial One to l isten to them, be honest and give credit and donation payment where it is due to help make the roads safer for all!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Cash  call  XXXX   XXXX  dollar loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX 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 2022-05-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions 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:
In accordance to the fair credit reporting act XXXX Account number XXXX Chapter XXXX Bankruptcy 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.

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 2020-05-01
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX I got XXXX  credit report in mail. CREDENCE RESOURCE MANAGEMENT was on my credit stating I owed {$1500.00} for XXXX  bill back in XXXX I called to ask why didnt I receive any notification of this. They acted as if they could not understand me it sounded like the lady was XXXX. The lady told me they could sue me in court and collect more. I asked if they knew about the CARES ACT and by law they could not put on the account that this account in question was opened XXXX!! It was a 6-8 year old account. And I was affected by the CARESACT. CREDENCE RESOURCE XXXX XXXX XXXX has caused me great stress and I am a XXXX veteran and take medication for XXXX XXXX XXXX. This has also caused my credit to go down 52 points!! They are breaking the law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09
Company: Experian Information Solutions Inc.
State: NE
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 have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their 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 2021-12-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
want to know why my acct was closed, it was in good standing, credit krama reports closed

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 2021-06-14
Company: ALLY FINANCIAL 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:
Ally Financial fixed the reporting issue with XXXX and XXXX, but they are now reporting my account was closed in XX/XX/2021 with XXXX. Clearly, this is inaccurate and a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, I am filing this complaint on my own behalf. There is no third part involved. I am writing this complaint due to numerous failed attempts to contact Best Buy, Citi bank in regards to a fraudulent, alleged credit card debt. I am receiving repeated statements via email notification addressed to XXXX XXXX XXXX from Citi Bank Best Buy Card , all of which state to be a notice for payment to be due. On XX/XX/2022 a packet of letters addressed and written by me were delivered to Citi Bank Best Buy Card Services to Validate an alleged credit card debt. This debt demanded specific documents per my lawful right. The documents I asked Citi Bank to produce to validate this alleged debt were written as follows : " -The amount you claim the Principal owes you.

- An explanation showing me how you have computed the amount.

- The identity of the Original Creditor.

- Copies of any documents that prove I agreed to pay the alleged amount.

- Confirmation that the account has not crossed the statute of limitation ( SOL ) period. 
- Evidence that you are a licensed debt collector. 
- Evidence of your license numbers and your registered agent. 
" Attached to this same letter was a letter to demand cease and desist of all forms of communication in attempts to collect on this alleged debt. Citi Bank has failed on numerous occasions to cease communication, by way of continuing to send me emails, and written statements as attempts to collect on this debt. This is harassing me and persistently attempting communication at inappropriate time frames. Due to these facts, and irresponsiveness from Citi Bank Best Buy Credit Card services to validate the alleged debt, I compiled my list of facts and perceived feelings of harassment by this company over a debt they have failed to validate. I sent an affidavit by mail, and is currently being tracked via certified mail number XXXX. This sworn and notarized affidavit of truth lists 9 facts all communicating my perceived victimization of identity theft, harassment, and non-compliance to my written terms and demands 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 explanation
Consumer complaint received 2021-12-11
Company: Nelnet, 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:
Information pertaining to student loan accounts ending in XXXX are to be excluded from my consumer report. 

15 U.SC. 1681 ( a ) ( 2 ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; The term financial institution as outlined in 15 U.S. Code 6809- ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12.

15 U.S.C 1681a ( ii ) ; states a consumer reports does not include any report containing information solely as to transactions or experiences between consumer and the person making the report. Consumer reports are also not to include any authorization or approval of a specific extension of credit ( student loans ) directly or indirectly by the issuer of a credit card. 

NELNET whom is the student loan servicer had disclosed the account balances as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Experian Information Solutions 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:
I called the bureau to remove inquiries that I did not recognize from my report they refused and proceeded to tell me that the inquiries were correct.. It was also several variations of my name, addresses, and phone numbers that were not mine on the 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 2017-04-18
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Late fee

Complaint:
On our  Sam 's Club C redit Card, They say I have been late more than 3 times since   XXXX   XXXX    . If you view my attached payments, you will see that several months I have actually made  2 pay ments a month. I called them because they said I was late again. I checked my bank statement and saw they had deducted my payment. When I called I was told that by making a payment in the middle of the month it actually just applied to the current month and was not viewed as an early payment for the next month. I had just made another  XXXX  payment which does n't show yet on my examples of payment printed from their website. Since this is still   XXXX   it will not apply for my   XXXX   XXXX   payment due of {$6.00}. I thought all of these shoddy ways of doing business were taken care of during the housing crash and credit card consumer abuse and what I call trickery. My husband gets his social security benefit check the  2nd Wed.  of each month and I pay my bills then. All this time since he opened this account, they have been doing this and I was not aware of it until today. No other company that I deal with does this if I make a payment for the next month it is credited for the next month. I think this is a very unfair practice for the consumer especially when they can see I have clearly made a payment in the current month.

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 2021-12-11
Company: EQUIFAX, INC.
State: OH
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 XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX, XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX, XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX impacted due to the Pandemic shutdown. I had some issues with my income being affected by the XXXX SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit 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 2020-10-07
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:
Due to covid, I am sure you are backlogged, however, there are some accounts that do not belong to me. I can assure that I am not a credit repair company, though I am really concerned that there are items on my credit report that do not belong to me. Please remove immediately. Thank you.

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