BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: MT
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:
Multiple times, through Dispute letters, I have tried to fix the incorrect information on this account, with Experian Credit Reporting company. Experian then would contact XXXX XXXX Bank and the account would come back with the incorrect dates, incomplete information, and missing data and was verified accurate by XXXX XXXX Bank. Leaving the Report XXXX. The Account information for this complaint is taken from an Experian credit report # XXXX for XX/XX/XXXX. The account is XXXX .... This is a joint account with my spouse. I will attach documents that Experian provided. I contacted XXXX XXXX Bank and requested documents about payment history or statements related to this account they informed that none were available and would not provide any documents. When you examine the account information from Experian you will find that the Date Opened is XXXX XXXX. The Payment history ends XX/XX/XXXX. The Payment history is missing XXXX  months of payments making this report ( INACCURATE ). The Monthly payment ( NOT REPORTED ) missing information making this report ( INACCURATE ). Upon examining the provided Experian document you will find the High balance as ( NOT REPORTED ) making the report ( INACCURATE ). Recent Balance is ( NOT REPORTED ) making the report ( INACCURATE ). The Payment history has been left showing a few months of an account which was active for XXXX months making this report ( INACCURATE ). By Law FCRA sections 609 and 611 require thar Creditors and Reporting agencies provide accurate reporting of accounts. Should they not do so the account will be delete. There are many Errors on this Experian Credit Report which have been VERIFIED as accurate by XXXX XXXX Bank.

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-01-11
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:
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, defamed my character and caused undue stress : XXXX  - XXXX, XXXX XXXX - XXXX 12 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 1681c. ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT.

Please send me an updated report upon completion of my request. 
Sincerely, 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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: DISCOVER BANK
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
During my XXXX month with Discover, I was out of the country on a vacation. I wasn't aware of the minimum payment due. However, I was planning to clear the entire due once I'm back in the country. But, before I cleared, apparently I crossed the deadline for the minimum payment due, which was {$15.00}. I cleared my entire due at once which was ~ {$600.00}. I genuinely would've paid the minimum due, had I known it was mandatory. 

Because of that small mistake, my credit card account was closed, I kept getting rejects for other applications, which I believe, surely had a very bad impact on my credit history. 

They say my account was closed as they couldn't verify my personal information. I'm not sure what that is. 

I hope this problem could be resolved and I could apply for a new credit card. I already have a credit card which I opened as a student. The limit id {$650.00}. I can't pay my rent with it since it's more than my limit. It's becoming tough for me to maintain a good credit score. 

Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-11-27
Company: EQUIFAX, INC.
State: IL
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 have contacted this bureau a total six times. They were contacted on XXXX twice, Once on XXXX once on XXXX, once on XX/XX/ and finally on XXXX Every time I called, my request was the same. I asked this bureau to remove the remarks/comments from an account. 

This is a violation of FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: OneMain Finance Corporation
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX XXXX pm XXXX : XXXX in XXXX dep with OMF Even after my long winded troubles with One main financial, wrongfully categorizing my loan. Even after not helping me fix the vehicle which is tied to their loan, I still forgave. Now Ive come to find out theyve had my loan reported XXXX to credit bureaus for some time now. 
XXXX loan. Reported doubled. 
And I had to find out on my own after looking elsewhere for financial assistance. 

Its has been Causing a negative affect on my scores and I had no idea. 
And of course, they still cant offer any help. Just an apology.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00} ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. These accounts have no monthly historical data. I know that under to XXXX5 U.S. Code 1681i Compliance protocol, these must be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting 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 information was sold and illegally because I was a victim of the Equifax data breach. I want these items Deleted from my Credit Reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo is my mortgage servicer and they are attempting to foreclose on me with out due diligence. They have not demanded me or given me any notice of default but are saying that they can use a demand from 12 months ago. I have been blocked from making payments and they are not willing to negotiate with me regarding any remedies.

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 2023-09-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXriginal creditor : XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: GA
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:
This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$460.00} XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: DISCOVER BANK
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have attached NEW AND RECENT COPIES of my credit report from XXXX showing that DISCOVER is STILL reporting an active payment history until XX/XX/2023 for account ending in XXXX. DISCOVER HAS YET TO PROVIDE A CLOSURE DATE FOR THE ACCOUNT TO XXXX AS REQUESTED. XXXX stated that until they are provided a closure date, the account will not be removed until XXXX  years from XXXX. I have also attached a recent letter from DISCOVER regarding their previous investigations into the account, but XXXX of their representatives informed me on a recorded phone call that an investigation NEVER took place and that is why the account is still reporting active and not closed as requested. She also mentioned that even though I have provided documentation directly to them and through the CFPB, DISCOVER NEVER reviews the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act, the list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account number : XXXXXXXX XXXX XXXX XXXX XXXX ( falsified information and dates ) In accordance of the 1681 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.

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 2023-09-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Someone applied to a JP Chase credit card using my information. On or around XX/XX/23. I also found out because I received a declination letter from chase

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: BARCLAYS BANK DELAWARE
State: KY
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased over XXXX of costume jewelry from XXXX using the Gap Barclay card. They had sent me an email initially to get me to shop w/them for XXXX off the order. The promo code did not work, I emailed them and they refunded the XXXX honoring the promo code so the total then was XXXX ... .then the jewelry came and half of it was not what the listings had shown ... ..I did not like it and they said no we will not provide a shipping label we dont do refunds, sorry about our listing, but no refund. Contacted Barclay to do a dispute, they put it in over the phone and yesterday they called and said well you got a XXXX refund from them ... .i explained what that was from which had nothing to do with the dispute and the Barclay Manager informed me that the dispute was starting from XX/XX/XXXX and it would be another 45 days and they are waiting on the XXXX  to decide what will take place and that after all they had given me XXXX ... ..no matter what I reexplained over and over again she just kept making sound like it was up to the XXXX  ( which has already made it clear that they were not refunding and dont want the jewelry back, which is why I even filed a dispute in the first place! ) to get back with them and it would be another 45 days. I filed the dispute on XX/XX/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 2023-02-12
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: Report provided to employer without your written authorization

Complaint:
In accordance with this fair credit reporting act XXXX XXXX # XXXX has violated my rights. 

15 US C 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 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 2023-09-03
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This company uses deceptive tactics to get you to purchase and sign up for their credit card. I was looking at makeup to order and I kept getting notifications that I would save over {$21.00} on the items I had in my cart if I applied for the Belk card, then I got an email saying that the items I had in my cart would be a lower price, with the lower price that I would supposedly get for each item quoted, with a {$20.00} coupon. Well when it came time to check out, the phony coupon they sent me did not work! It kept saying " does not apply to items in your cart '', yet the email said it would. Then they sent me a {$10.00} coupon for joining their rewards club. That coupon did not work either! It kept saying the same thing, " does not apply to items in your cart ''. This company is a big fat liar! They lie and tell you you are getting a discount that they have not intention of honoring. Then they made me apply for a credit card, which dinged my credit score, and I will never use this card! They made me waste my time, cost me more money, risked my credit score, all based on their lies and business tactics. If I had known this would happened, I would have never applied for their sticken card! But you dont ' find out they are liars until after the fact. I had to spend so much time trying to add stuff to the cart to see if the supposed discount would work. This company has left a sour taste in my mouth and I will never purchase from them again. They are dishonest thieves! They also said checking to see if I qualify for a card wouldn't ding my credit. ANother lie! Buyer beware!

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 2023-12-17
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase informed me my account was closing because I had to many disputes. I am fine with the account closing. I was told to go to the branch and they could wire or give me a certified check. I got to the branch they called internally and was told that they couldnt give me any money until all the disputes are closed. I said well keep the money in the account just in case this dispute dont return give me my rest of my money which is about XXXX. They said they couldnt do that, we had to wait. I do not have any money for gas, food or utility bills. If any remaining disputes are open, just close them and debit the money out of the checking account. Chase will not let me withdraw my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: NY
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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