BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: IN
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:
Please read attached FTC report. XXXX, Experian, and XXXX I have called millions of times to get this issue resolved. I have a fraud alert there is NO WAY possible my credit should be able to be ran, There is 10 hard inquiries that was ran in XX/XX/2021 which NONE I have authorized please delete from my credit report. The cXXXX XXXX loan delete if it wiont report accurately I have uploaded the title, XXXX XXXX has no proof of ID or anything on file, they advised anybody can get utilities on please delete that from my credit report as well, and XXXX XXXX apartments, somebody moved in my name which I have no clue on how that was done. This is becoming a headache and draining to continue to say this over and over and nothing be done about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Synovus Bank
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Synovus Bank took {$220.00} for pre paid debit card. on XX/XX/XXXX, XXXX XXXX XXXX took the money and same day mail me a letter on XXXX XXXX then mail me a letter stating they need make sure it me and ask for copy of my drivers license. Utility. 
They took the money I paid extra to expedite the card. This company is nothing but a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: EQUIFAX, 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:
XXXX and Equifax are reporting a Chapter XXXX Bankruptcy on my report, I request an investigation because I had not filed for Bankruptcy. Equifax answered back that it was verified, by a 3rd party vendor XXXX. I reached out to them to find they report whats in public records and it is the responsibility of Equifax to match the information to the Social Security number see letter attached. Whats worse is Bankruptcy are not recorded in XXXX XXXX County Public Records. XXXX did the same thing allthough they never gave me as requested the name address and phone number of the parties reporting the Chapter XXXX to them. In my last correspondence with Equifax and XXXX i sent them a copy of a Bankruptcy search for records form that showed i had not filed Bankruptcy see attached. They just ignored the Bankruptcy Clerks findings and continued to report the Chapter XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-05
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Requested refund for payments made during pandemic. Was told refund would be posted. Refund has not been posted

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 called all 3 credit bureaus and was told to send in all my documents to sow that i had fraud committed against me.So i sent everything in and i still see the accounts on my credit I then call the documents in a 2nd time to make sure they have receive them I was told them and was going to have accounts remove

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 2019-12-01
Company: SUNTRUST BANKS, INC.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, On XX/XX/2019 we received several phone calls around XXXX XXXX ( total 5 phone calls in 15 minutes ) from the toll free phone number : XXXX to our home phone. The caller introduced herself that she is from the SunTrust Bank Fraud department. She stated that for two days there were multiple transactions attempted from our personal checking account to transfer money : traveler 's check or Money order for over {$4000.00} USD. She spoke with a heavy XXXX XXXX accent. She asked me for my SSN number but repeated it back wrong ( twice ), then she asked for my first and last name " to access my account. '' What stopped me from giving my name is the fact that the lady gave me the wrong card number and could not repeat my SSN that I gave her twice over the phone. I refused to give her my name and the lady became very angry with me. I told her that I am not comfortable to provide any other personal information and hung up on her. Afterwards, I immediately called the SunTrust bank and spoke with the representative name XXXX that confirmed the SunTrust does not use this number for phone calls to the clients.

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 2021-04-17
Company: EQUIFAX, INC.
State: TN
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 contacted XXXX XXXX, Equifax, and XXXX in reference to these fraudulent account ( s ) : XXXX XXXX XXXX in the amount : {$34000.00} open date : XX/XX/XXXX and XXXX XXXX XXXX in the amount : {$26000.00} open date : XX/XX/XXXX. I have been contact with all agencies and creditors listed. Was told to file a Identity Theft Report which I did and sent to the above listed agencies and creditors along with my request. Only to receive the same response over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: MS
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 XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
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: Was not notified of investigation status or results

Complaint:
My Credit Score has been lowered the Credit Agencies ( XXXX XXXX, Experian ans XXXX ) is and has offered an explanation claiming " HARD INQUIRIES '' is and was the reason ( s ) for the Credit Score being lowered. When I initially filed my Complaint with cfpb for this issue I offered my explanation and why I feel the Score should not have been lowered. I have been shopping for a NEW vehicle and the Dealerships as part of the deal making process they always request to check your Credit and with the understanding that my Credit was o.k. I would agree to the check. Also I have open several Credit Card accounts they also made checks into my Credit History. I had and have no control over the manner of the inquries whether they are HARD or otherwise. Regardless, my Credit Score should not be lowered due to how it was made and the number of times its checked. The Consumer should not be penalized for the number of times the Credit History is checked or the manner of the check. It has not been easy to have the incorrect information removed from my Credit History or rebuilding my Credit. Now that I can see a vast improvement the Credit Reporting Agencies want to penalize my efforts by the number of HARD INQURIES which are outside of my control.

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 2019-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XXXX well not fix my credit information the amount and credit limits are incorrect

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 2021-09-23
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
My Credit Score has been lowered the Credit Agencies ( XXXX XXXX, XXXX ans Equifax ) is and has offered an explanation claiming " HARD INQUIRIES '' is and was the reason ( s ) for the Credit Score being lowered. When I initially filed my Complaint with cfpb for this issue I offered my explanation and why I feel the Score should not have been lowered. I have been shopping for a NEW vehicle and the Dealerships as part of the deal making process they always request to check your Credit and with the understanding that my Credit was o.k. I would agree to the check. Also I have open several Credit Card accounts they also made checks into my Credit History. I had and have no control over the manner of the inquries whether they are HARD or otherwise. Regardless, my Credit Score should not be lowered due to how it was made and the number of times its checked. The Consumer should not be penalized for the number of times the Credit History is checked or the manner of the check. It has not been easy to have the incorrect information removed from my Credit History or rebuilding my Credit. Now that I can see a vast improvement the Credit Reporting Agencies want to penalize my efforts by the number of HARD INQURIES which are outside of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions 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:
I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX Mortgage  Companies - Finance XX/XX/XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXXXXXX XXXX Mortgage Companies XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX Mortgage Companies XXXX Finance XX/XX/XXXX XXXXXXXX XXXX - Mortgage Loans XXXXXX/XX/XXXXXXXX XXXX. Credit Bureau Inquiries XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian : XXXXXXXX Mortgage Reporters XXXX XXXX Mortgage Companies - Finance XXXX XXXX XXXX Mortgage Brokers XXXXXX/XX/XXXX XXXX XXXXXXXX Credit Bureau Inquiries XXXX US SM BUS ADMIN ODA Federal XXXX XXXX XXXX XXXX Mortgage Reporters XXXX XXXX XXXX Credit Bureau Inquiries XXXX XXXX Mortgage Reporters XXXX XXXX XXXX Mortgage Reporters XXXX XXXX Mortgage Reporters XXXX XXXX XXXX XXXX Mortgage Reporters XXXX XXXX XXXX XXXX Mortgage Reporters XXXX XXXX XXXX XXXX Mortgage Reporters 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 2019-03-26
Company: Bread Financial Holdings, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
ON XX/XX/2019 I APPILED ONLINE FOR A XXXX XXXX CREDIT CARD, REFERERNCE NOXXXX, SEE ATTACHED. I HAD A SECURITY ALERT ON XXXX, BUT WAS REMOVED AND NOW NEED THEM TO LOOK AT MY CREDIT TO FINISH APPLICATION PROCESS TO ISSUE CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XXXX of 2021, I filed a dispute with this bureau about the unverified account XXXX XXXX XXXX Account number XXXX. I have asked numerous times for a response and I have not received anything in response from these bureaus in over 60 days.. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about violation as of today. 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
Consumer complaint received 2019-11-30
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:
I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-17
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX XX/XX/2021 when I went to use my card for a purchase I was told by the Automated Voice that the account was closed for any future purchases? My concern is this account was always paid on due date and due to medical hardship carried a balance. For Synchrony originally to make the assumption based on my credit score or information on my credit reports decisions made to close my account can be premature? Especially when I have submitted disputes to include utilizing the Consumer Financial Protection Bureau. Taking these measures has removed negative information from my reports and is still ongoing. Additionally, my concern is that Synchrony has been reviewing my wife 's medical hardship debt management program settlement with her individual accounts that are exclusively her accounts but were settled by her attorney 's just recently. May be a coincidence? I have been a good customer on all of my accounts and feel to close my accounts based on credit reports that have numerous inaccuracies to include disputes should not be the only criteria to close accounts for example I have 40 years of Federal Service an excellent employment history and 40 years of great credit history. There has been Life Events with my wife 's medical XXXX that has created some credit issues but are constantly under review and challenged through the credit bureaus dispute process which becomes a lengthy process to delete negative information from the reports.

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 2021-05-06
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I received a update on my credit report stating that there was a debt owed for a total of {$1000.00}. I was not notified about this and this collection is inaccurate and not mine.

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