BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-07
Company: Bread Financial Holdings, Inc.
State: NY
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 a hard inquiry showing on my credit report from comenitycapitalXXXX I already contacted the lender and no accounts are open and or pending to be open with them. I have never open an account with this lender before and never did this inquiry to open an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: SYNCHRONY FINANCIAL
State: NJ
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:
Unfortunately, I contracted XXXX twice. I subsequently lost my job, my wife also was ill. I contacted the company to make arrangements for deferment or modification. I was denied by the company. I was denied protection given under law by the CARES Act. Under the CARES Act, stating : " XXXX XXXX, former acting director of the Consumer Financial Protection Bureau ( CFPB ), recently stated that the bureau is taking much-needed action to protect consumers, particularly the most economically vulnerable. [ 1 ] As part of this new focus, the CFPB will take aggressive action to ensure that regulated companies follow the law and meet their obligations to assist consumers during the COVID-19 pandemic. [ 2 ] As such, the case for CARES Act examination preparation is stronger than ever. ''

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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$560.00XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$150.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX : {$520.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$300.00} XXXXXXXX XXXX Inquired on XX/XX/20XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-04-25
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX. We have disputed the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, I used cfpb to file a complaint to Experian to resolve issues on my consumer report to non avail. XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX continues to report on my consumer report. What method of verification was used to validate and/or update these accounts? I am also attaching a copy of deletion of XXXX XXXX XXXX from XXXX XXXX. according to FCRA 15 usc 1681, the bureaus are supposed to notify other bureaus of deletions. Several violations have been committed. I never gave written or oral consent for any information to be reported either. There is also no permissible purpose in reporting pursuant to 15 USC 1681. I am also a victim of identity theft and am attaching a copy of my identity theft report from the federal website ( www.identitytheft.gov ), along with my Drivers license. This report was not made in error, nor did i benefit from the opening of these accounts. Pursuant to 15 USC 1681c-2 these accounts must be blocked no later than 4 business days of receipt and statement that these accts are a result of identity theft. these accounts are causing stress and harm to me mentally and financially.

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 2022-09-21
Company: Experian Information Solutions Inc.
State: PA
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:
As submitted previously, I submitted a document asking for the method of verification and you claimed it was " too vague '', so i will provide all the report numbers for your reference to provide the method of verification according to the FCRA. 

Accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX In accordance to 15 USC 1692 ( g ), I am asking again for the method of verification with sepecific previously disputed account dispute numbers from your website. I will also attach a file for your reference, as to each dispute. 

In addition, there are a few location data points and inaccurate reporting of my name : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX, Pa. XXXX XXXX address do not belong to be and because your duty is to provide accurate reporting, I am also asking for the method of verification of these items to allow them to be reported on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX These in addition are not my name. I ask verbally over the phone for them to be removed and i was told they couldn't be. So I also and seeking the method of verification for these. 

Pursuant to 15 USC 1681 ( b ) ( a ) ( 1 ) Where is the court order or written consent from the consumer to furnish this information. 

Also, I provided my ID which is sufficent and reasonable to identify. I don't feel comfortable providing more personal information for review without you providing my written consent to have my personal information to verify from.

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 2023-01-26
Company: JPMORGAN CHASE & CO.
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Greetings : My name is XXXX XXXX and I am having an ongoing dispute regarding fraudulent charges posting to a now closed credit card account I had with JP Morgan Chase in particular a Chase Slate CREDIT CARD ending in ( XXXX ). Prior to me closing the account I noticed fraudulent charges being made against the account last year in XXXX around late XXXX or XXXX while sitting at the kitchen table in XXXX, XXXX. The two transactions in question came across my phone from XXXX of XXXX when I immediately contacted the Security Center for Chase and they confirmed these transactions advising me that they were aware of the transactions and that they were investigating the matter as I reported it. They closed that account and opened a new account as ( XXXX ) but without advising me of any steps they had taken to resolve the fraudulent actions coming from a foreign location applied the amounts in question to the new account prior to me activating the new card upon receipt. Therefore, I did not activate the card in my possession and called their fraud unit again to inquire as to those fraudulent charges from a foreign location for which they had completed no due diligence to resolve the matter but attributed it to me without ascertaining any travel information or inquiring whether or not I possessed a passport or traveled outside of the United States. I then immediately disputed those charges and advised the Security personnel that again I was in the state of Georgia when those charges occurred and that I was not satisfied with whatever action Chase Slate had taken to resolve the matter and requested that I receive all information via postal mail because I intended to established a paper trail regarding the matter. Chase was made aware in the beginning that I had always maintained possession of the physical card and had not provided my information to anyone to use. I had already destroyed the ( XXXX ) card in my possession while they were supposedly looking into the disputed charges. This is supposed to be contained on at least two recorded conversations between me and their representatives. I will always continue to assert that these were fraudulent charges and Chase is responsible for allowing these transactions to go through even as I called them when it was in progress. As of now, Chase Slate is impacting my credit report and credit score with fees and negative information listed under ( XXXX ) that is a closed account. I am seeking whatever relief the CFPB is able to provide in assisting me with this complaint. Thank you for your time and consideration. 

Sincerely, XXXX XXXX XX/XX/XXXX @ approx. XXXX ( XXXX XXXX XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX I received an alert from XXXX XXXX that my credit score went from XXXX to XXXX with the description of changes detailing balance decreases of 2 of my credit accounts. 
The following week of XX/XX/XXXX I received another alert form XXXX XXXX that my score dropped XXXX points w/ the description of changes being another balance decrease of a different credit account. 
I believe I called Transunion that following week to inquire about the points drop but I didnt start taking names until I spoke with XXXX on XX/XX/XXXX ( It was then I learned that you have to keep calling until you get a rep that will actually transfer you to a supervisor, most reps will tell you there isnt one available and tell you someone will have to call you back, which NEVER happens ). 
But eventually I spoke with a supervisor named XXXX on XX/XX/XXXX from XXXX XXXX who couldnt explain the drop in points specifically ( like previous reps she provided me with scripted scenarios of what makes points go up and down, none of which applied to me ) after a longer discussion XXXX informed me that they were not allowed to give specific info about my credit score/account over the phone and recommended I pay for their website service for a better description of my account details. 
So reluctantly I did, and of course it didnt helpso eventually I called back and after several attempts at the game to get another supervisor I spoke with XXXX XXXX XXXX XXXX. 
I explained to her my situation and like the previous reps/supervisors she gave me the scripted description of what could make a score go open and down and like everyone else she had NO specific explanation why my score dropped XXXX points and even more surprising she claimed that Transunion didnt have specific details to elaborate to customers to explain their point system. In addition she also couldnt explain why on their ( Transunions ) website ( that I jus paid for ) there is a score trending graph that tracks your credit score my graph shows that my score has been XXXX consistently for a whole year ( which is not possible considering scores will change at least monthly ) she acknowledge that that shouldnt be but couldnt explain why it was. 
We went back and forth with a few scenarios, I asked what if it drops another XXXX, XXXX or XXXX points today or tomorrow and eventually her II dont know or jus silence to my questions became irritating. So obviously having no answers for me at all I finally asked if there was someone else I could speak with and she said no but surprisingly she recommended that a file a complaint with The Consumer Financial Protection Bureau.

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2023-09-29
Company: SYNCHRONY FINANCIAL
State: VA
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 am writing to dispute the delinquency reported by Synchrony Bank to my XXXX. A hacker charged {$7000.00} in merchandise to a Belk credit card issued to me. Belks bank, Synchrony, charged me {$1900.00} of the loss. After I refused to pay for these charges because I had not bought any items on my account, they created a new credit card in my name without my permission, added the debt to that new credit account, and then went after my credit report. I had no access to the newly created account. This represents an attempt by Synchrony Bank to extort money from me by threatening to ruin my credit rating. Furthermore, the amount in the account grows each month as they charge fees and interest. As of XX/XX/2023 the amount billed has increased to {$2300.00}. Synchrony is weaponizing my credit report by attacking my credit rating. They never showed me how they came up with the {$1900.00} amount in the first place. I am not resposiible for the hack ; none othe purchases were 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
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
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.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX has been paid and closed since 2022 but on my report, this is still showing with a balance. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

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 2023-11-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
ON XX/XX/2022, I TRIED TO MAKE MY ONLINE CC PAYMENT TO Ann Taylor CREDIT CARD WHICH IS SERVICED BY COMENITY BANK. BUT, I KEPT GETTING AN ERROR MESSAGE OF " We are currently undergoing a planned system update that has taken longer than expected. We are working to restore service as quickly as possible, and your account information will remain secure through this update. We apologize for any inconvenience caused by this disruption. '' SO I TRIED AGAIN ON XX/XX/2022, AND THE SYSTEM IS STILL DOWN. MY PAYMENT WILL BE LATE. I WANT TO MAKE SURE THIS DOES NOT AFFECT MY CREDIT SCORE, NOR SHOULD I BE CHARGED A LATE FEE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting 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:
Id like to consider these all identity theft because, I am not aware of any of these inquiries and didnt give my information to anyone to in any sort to perform any activities in this sort.

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 2022-09-21
Company: Credit Karma, LLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On or around, from XXXX - XXXX I saw a lot of preapprovals on credit XXXX, at first i didn't pay it no attention, but credit XXXX kept sending me all kinds of preapprovals telling me that I was pre-approved for credit cards, personal loans, and that I can refinance my car. every day I would see these offers every time I logged in to check my credit scores. so, after a few months of being told that I was preapproved I thought I was known in the perfect place. I got so many offers, though credit XXXX, I started telling my whole family about investments and vacations we were going to use these preapprovals for. So, I applied on or around sometime in XXXX and I got denied for two credit cards and a personal loan. I was distraught and I was very angry, and I felt deceived. I was marketing to for months, so Credit XXXX told me I was preapproved, this was a lie. 
I was severely stressed out, a was XXXX for weeks, I had migraines so bad I became I became antisocial. My anxiety went from XXXX, now every time I see preapprovals, I immediately close my phone and shut my computer off. This has made me so uneasy and anxiously I have checked my credit as frequently as I should.

Company response to consumer: Closed with explanation