BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: NV
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:
The illegal reported to my credit without contacting me concerning the degt for validation or knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: EQUIFAX, 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello, I become a victim of identity theft. I do not recognize these accounts in my profile, someone just used my personal data. I am very shocked by the fact that I have unknow items in my profile and they are destroying my credit history that I made all my life. Please help me and I want you to make investigation on these items. I can not move on and please delete them from my profile, You are my only hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
NFCU needs to credit my account as I called XXXX to get this done but now I am tryin to ensure it gets done I need a credit {$50.00} for the past months since XXXX wich equals {$300.00}. 

I CLOSED the account with XXXX XXXX XXXX  in XXXX.I come to find out though I STOP and deleted my account info from their site. XXXX filed a complaint with merchant on XXXX. For whatever reason it was done So now I want to ensure the merchant REVOKED from accessing my account and I have request a letter of closure and never received and need this. This act is fraudulent as the merchant refused to dispute an item in which was valid. 

As I close the account they refuse to investigate and I chose to not d business with them which is valid based on these mentioned issues

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: GA
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 was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: SUN LOAN COMPANY INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On or about XX/XX/2022 I contacted Sun Loan Company XXXX Mo and asked if they would be willing to do a " cancellation of debt '' 1099c which is a tax write off for them! They called corporate Sun Loans and then called me back and said No they won't be doing that for this old debt. Then days later I get a alert from my credit report that Sun Loans has added a remark to my credit report and it hurt my score. I feel this remark was done in retaliation and friviously with intent to harm my score even further. I feel Sun Loans would have never added any remarks had I never called them offering to settle my old debt! They are intentionally attempting to hurt my credit now and even told a third party about my debt when they called back they told my oldest son about it as he unfortunately answered and the rep assumed she was speaking to me! Shame on Sun Loans for this and violation of my rights with the FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: EQUIFAX, 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 identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions I authorized. There are variation of companies name, account numbers are incomplete, variations of balances. XXXX XXXX just continually update when I asked for deletion and not verification even though they have been sued. XXXX has been on my credit report for years refusing to remove themselves they use deceptive practices by using variations of their name to stay on consumer credit report. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include Equifax XXXX and XXXX XXXX all three agencies have had data breaches. On XX/XX/2022 my credit score has plummeted over 100 points. SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
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:
I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions I authorized. There are variation of companies name, account numbers are incomplete, variations of balances. XXXX XXXX just continually update when I asked for deletion and not verification even though they have been sued. XXXX has been on my credit report for years refusing to remove themselves they use deceptive practices by using variations of their name to stay on consumer credit report. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX XXXX and Trans Union all three agencies have had data breaches. On XX/XX/2022 my credit score has plummeted over 100 points. SEE ATTACHMENTS

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 2021-08-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On XX/XX/XXXX, I went to a branch and told the teller I wanted to close my account. I received a cashier 's check for the full balance of the account. It appeared there was something wrong with the computer system, but the teller provided the cashier 's check and didn't communicate about any problem closing the account. My next statement had an ending balance of {$0.00} on XX/XX/XXXX. The following month, I received a statement with an overdraft notice and an $ 11 monthly service charge. The overdraft fee was {$0.00} ( possibly the fee was XXXX because of the tier of my account ). The new statement period began on XX/XX/XXXX and ended on XX/XX/XXXX ; thus, the new statement period began two days after I closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
For much of XXXX and XXXX, I paid my $ 8500 monthly rent to my landlady, XXXX XXXX, via Zelle, in three payments of {$3500.00}, {$3500.00}, and {$1500.00} ( {$3500.00} is Zelle 's limit per transaction for any 24-hour period ). On XX/XX/XXXX, my second payment of {$3500.00} went through, and I have four digital proofs of payment, including a text message from XXXX saying that she had received it ( see attachments ). Then, a few days later, she wrote to tell me that her bank ( OneWest ) had been taken over during that same weekend by XXXX XXXX XXXX  ( see the bank 's letter of XX/XX/XXXX ), and that XXXX XXXX had blocked that Zelle transaction, but that they would be reverting the {$3500.00} to me. I had two three-way conversations with a representative of XXXX XXXX and XXXX between XX/XX/XXXX and XX/XX/XXXX. In the first, the representative said it was returning my money to my XXXX  XXXX XXXX account via an ACH, and that money would reach my account in 3-5 business days. In the second, the representative insisted that the issue was out of XXXX XXXX hands, and that I should have the XXXX  XXXX XXXX " open an investigation '' into the affair. Following that, I learned from XXXX that XXXX XXXX insisted that the {$3500.00} should have automatically bounced back to the XXXX  XXXX XXXX ( see XX/XX/XXXX text message ). 
On XX/XX/XXXX, XXXX XXXX, the attorney I had originally engaged for this case, provided me with her transcript of a phone conversation she had with XXXX XXXX XXXX, a representative of XXXX XXXX XXXX  ( see attachment ). According to XXXX XXXX, the {$3500.00} would be refunded into XXXX XXXX account and that she will need to pay you back. ( XXXX has constantly maintained that the amount has never been credited to her account. ). However, XXXX XXXX also told my lawyer that Zelle informed the bank that they would actually refund you the money within 7-10 business days because they regarded it as a Zelle reject since the money was not received. However, the bank found out later that Zelle did not do this. 
On XX/XX/XXXX, I filed a request with the XXXX  XXXX XXXX to recover the {$3500.00}. The XXXX  XXXX XXXX representative with whom I filed the request told me that the bank would open the case within XXXX days, and provide me with a resolution in the 45 days that followed. Those two phases of the banks investigation are documented in the attached notices, the last of which, dated XX/XX/XXXX, denied my claim for reimbursement of the {$3500.00} lost between it and XXXX XXXX XXXX  on XX/XX/XXXX. Most recently, a complaint I filed with the CFPB against XXXX XXXX XXXX  resulted in a denial by the bank of any responsibility ( see attachment ) .I am therefore requesting assistance from the CFPB for the return of the {$3500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2022 To Whom It May Concern : I am livid, you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish and insist that you comply with the law by providing the requested information within the 30 days allowed. 
I submitted to you a notarized Affidavit of Truth and Facts outlining the inaccuracies and unauthorized inquiries on my Consumer Report and nothing has been resolved. 
As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. 
In accordance and pursuant to the Federal Credit Reporting Act 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without written consent/permissible permission.

I will also be seeking compensation for the errors that were previously listed in accordance with and pursuant to the Federal Credit Reporting Act 15 USC 1681 ( n ) ( 1 ) ( a ) ( b ) - willful non-compliance and permissible permission. I may receive {$1000.00} per error to that which I am entitled of privacy and did not give written permission to disclose any information in my consumer report. 
XXXX, Equifax, and XXXX have violated both of my rights by furnishing the following accounts with errors without my written consent. 
XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX Late payment XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  Mortgage Reporters XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Finance Companies - non specific XXXX XXXX  XXXX XXXX XXXX XXXX XXXX specific XXXX XXXX Automobile Dealers, New XXXX XXXX  Auto Financing Companies XXXX XXXX XXXX XXXX  Personal Loan Companies XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX All Rights Reserved Without Prejudice XXXX XXXX XXXX XXXX : CFPB Attn : XXXX XXXX Assistant Director of Enforcement Federal Trade Commissions Attorney Generals Office State Senate XXXX Law Office , XXXX Texas Small Claims Court XXXX XXXX Texas Comptroller Federal Reserve System FDIC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: JPMORGAN CHASE & CO.
State: HI
Product: Credit card or prepaid 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:
The Chase United Airlines Explorer card is offered with incentives that frequently change. I chose {$250.00} credit + XXXX  miles if we each spent {$3000.00} in 3 months. I did. Chase gave me {$250.00} credit but only XXXX miles. Chase has refused to provide the additional miles even though I have a screen shot of the XXXX miles incentive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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 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 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  year old 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 non-monetary relief
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards
Inquiry date: XXXX XXXX XXXX  Removal date: XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards
Inquiry date: XXXX XXXX XXXX  Removal date: XXXX XXXX XXXX XXXX
Automobile Dealers, New
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX
Auto Financing Companies
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX
Auto Financing Companies
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX
Auto Financing Companies
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX
Auto Financing Companies
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX
Auto Financing Companies
Inquiry date: XXXX XXXX XXXX  Removal date: XXXX XXXX XXXX XXXX XXXX
Finance Companies - non specific
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX
Automobile Dealers, Used
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX Credit Cards
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX
Sales Financing Company
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX Credit Cards
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX
Mortgage Reporters
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX
Auto Financing Companies
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX
Auto Financing Companies
Inquiry date: XXXX XXXX XXXX  Removal date: XXXX XXXX XXXX  Auto Financing Companies
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX  Finance Companies - non specific
Inquiry dateXXXX XXXX XXXX XXXX  Removal date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX
Complete Department Stores
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards
Inquiry date: XXXX XXXX XXXX
Removal dateXXXX 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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX account # XXXX XXXX XXXX XXXX XXXX Ref # XXXX has violated my rights 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy 15 U.S.C 1681 A Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1692 C

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 2023-09-25
Company: EQUIFAX, INC.
State: FL
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: MS
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:
inquiries on my report that i do not recognize or give authorize.

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 2022-06-22
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I filed a complaint with cfpb for paypal credit operated by synchrony bank charging me {$7500.00} after I paid my balance of {$7500.00} with a consolidation loan. They credited me the {$7500.00} and I closed the complaint. However I received a letter on XXXX telling me that they are charging my account {$7500.00} for lack of proof of payment. I submitted the picture of the front and back of the cashed check for {$7500.00} from my bank XXXX XXXX XXXX XXXX as proof of payment. Please help me this is the 2nd time they have denied my dispute and they continue to charge me for money i paid off.

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