BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} 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 non-monetary relief
Consumer complaint received 2022-11-23
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX, {$900.00} AFNI , INC . 
XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX I've visited the website, but I've never signed up for these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
My credit card was moved from Synchrony bank to XXXX without my consent or authorization. I never received information of my credit card being sold or transferred from synchrony bank or XXXX. I was never made aware of the fact that I have or had the option to opt out. I never received any package from synchrony bank or XXXX for opt out option. They violated my right and took advantage of me. XXXX and Synchrony bank both should be held accountable for these actions. If I had known that synchrony bank was selling their credit card business to XXXX, I would have opted out given that all the negative and bad reputation they have surrounding their customer service, hostile treatment and entrapment tactics behavior they use against consumers. They do not communicate nor properly informs consumers and uses shady business practices to destroy consumer credit card scores and history. This is their soley business practice based on all the comments on reddit and all over the internet that I have come to learn.

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 2023-10-03
Company: Experian Information Solutions 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:
I did not initiate these Accounts 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 2023-12-01
Company: EQUIFAX, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Experian Information Solutions Inc.
State: GA
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:
I do not recognize any of these hard inquires. They aren't attached to any open accounts & are fraudulent. 

XXXX XXXX - XX/XX/XXXX -XXXX  XXXX XXXX XXXX XXXX - XX/XX/XXXX -Experian, XXXX  - XX/XX/XXXX -XXXX, XXXX  XXXX XX/XX/XXXX -XXXX, XXXX XXXX XXXX - XX/XX/XXXX - Experian, XXXX - XX/XX/XXXX - Experian, XXXX XXXX  - XX/XX/XXXX Experian, XXXX XXXX  - XX/XX/XXXX - XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX Experian, XXXX - XX/XX/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 non-monetary relief
Consumer complaint received 2023-03-12
Company: Experian Information Solutions 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: Account information incorrect

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
AS MUCH AS I ENJOY BEING A XXXX XXXX XXXX XXXX CUSTOMER ON THE BANKING SIDE. 

BEING A CREDIT CUSTOMER HAS NOT BEEN SO GREAT. THEIR REPORTING IS VERY GLITCHY ALONG WITH THEIR NOTICES. 

I PAID OFF A CREDIT ACCOUNT AND FOR SOME ODD REASO THE XXXX XXXX REPORTED THE ACCOUNT AS CLOSED WITH A BALANCE, THEY HAVE FAILED TO REPORT THE XXXX USAGE STATUS TO THE BUREAUS FOR A WHILE AND ONCE THE ACCOUNT WAS REDUCED TO XXXX. 

AS OF TODAY THE BALANCE HAS SHOWED UP AGAIN AS UNPAID FOR {$980.00} WHICH AGAIN DAMAGES MY SCORES WHICH THIS ACCOUNT HAS BEEN AFFECTING FOR SEVERAL MONTHS. THEIR OWN REPORTING REDUCED MY SCORE AND MADE ME NO LONGER ELIGIBLE FOR THE ACCOUNT WHICH THEY CLOSED BUT I PAID IT OFF PRIOR TO THE STATEMENT CLOSE AND REPORTING DATE AND THIS COMPANY DID NOT REPORT THAT. 

THEY KEEP THROWING THE DELINQUENT BALANCE AND INCREASED USAGE ON MY CREDIT WHICH IS GREATLY AFFECTING MY SCORE DURING A TIME WHEN I AM APPLYING FOR A LOAN AND UNDERGOING UNDERWRITING.

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 2023-03-31
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2021 I made a {$200.00} payment to XXXX XXXX XXXX XXXX. A couple days later my credit card company sent me a fraud notification that someone was trying to use my credit card in another state. So I canceled my cards and ordered new cards and made sure the banks were aware of the fraud. Well the payment I had made a few days prior mistakenly got marked as fraud XXXX XXXX XXXX stated that they sent the {$200.00} back to my bank. However, the money was never sent back to the bank. I then made the payment again a couple weeks later to cover the missing money so my service wouldnt be interrupted. They never gave me my {$200.00} in my bank account nor did the take the amount off of my bill. Then a couple months later I canceled phone lines with a XXXX XXXX XXXX representative on the phone but they continued charging me for cellular data for one phone that wasnt even being used on their services anymore, Ive contacted them on several accessions to try and resolve these issues but I keep getting the run around. I even recently spoke with a rep and said I wanted to start services back up again then they started acknowledging the problem but still not giving a proper solution. I have all of my bank statements to prove that XXXX XXXX XXXX never sent my money back into my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE BEEN DISPUTING THESE ACCOUNTS/COLLECTIONS FOR YEARS WITH XXXX, XXXX, AND TRANSUNION. I HAVE PROVIDED POLICE REPORTS OVER THE YEARS IN WHICH THE CONSUMER REPORTING AGENCIES VERBALLY STATED THEY DO NOT KEEP ON FILE. AS A VICTIM OF IDENTITY THEFT I FEEL MORE LIKE THE CULPRIT. I AM EXHAUSTED WITH THIS PROCESS AS THEY CONTINUE TO IGNORE MY DISPUTES AND MY REQUESTS FOR THE ORIGINAL DOCUMENTS THAT ARE FURNISHED BY THESE CREDITORS AND THEY REFUSE TO DO. I HAVE BEEN TOLD THEY ARE NOT ENTITLED TO PROVIDE SUCH PROOF. PLEASE HELP ME IN THIS MATTER. 


COLLECTIONS/ACCOUNTS XXXX XXXX XXXX {$4500.00} XXXX XXXX {$750.00} Dept of ED {$1500.00} Dept of ED {$670.00} Dept of ED {$3600.00} Dept of ED {$3600.00} DEPT OF ED {$1900.00} DEPT OF ED {$6600.00} DEPT OF ED {$4200.00} DEPT OF ED {$2700.00} DEPT OF ED {$2600.00} DEPT OF ED {$1500.00} DEPT OF ED {$1600.00} DEPT OF ED {$2400.00} DEPT OF ED {$2600.00} DEPT OF ED {$9500.00} DEPT OF ED {$2600.00} XXXX XXXX I HAVE NO KNOWLEDGE NOR DID I AUTHORIZE THE INQUIRIES LISTED BELOW XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Billing dispute for services

Complaint:
I received a credit alert from XXXX XXXX stating I have a new alert. Someone opened an account in my name from XXXX XXXX on XX/XX/2022 that I didn't apply for. The credit limit of {$5000.00}, high balance of {$3100.00} and available credit of {$1800.00}. I don't know this company and never applied for any line of credit from this company so I am filing 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 2022-08-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act The following Creditors have violated my rights : ... XXXX XXXX XXXX Account no. XXXX, XXXX Account no. XXXX, XXXXXXXX XXXX  Account no. XXXX, XXXX XXXX  XXXXXXXX XXXX Account no. XXXX, XXXX Account XXXX. XXXX ... ... ..,, 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumerreporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: PNC Bank N.A.
State: PA
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 a fair credit reporting act [ PNC BANK # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is with XXXX. My homeowner 's insurance is not escrowed and we pay it ourselves. Each year, I upload the insurance documents to their website so that they see that I have paid for the whole year in full. Each year, they threaten me stating that they don't have the documents and that they will be purchasing homeowner 's insurance on my behalf and charging me. They did this again, even though I uploaded all of the documents they request. I uploaded them within 24 hours of the new policy taking effect because they would not allow me to upload them prior to that date ( XX/XX/2022 ). I've tried to call them, but they state it is not on their website, even though I can see it uploaded there. I've asked where else I can send the documents but they will not respond. I asked to speak with a manager but they said the manager would have to call back, but no response yet. I have full insurance coverage which was provided to them, but they are still threatening to charge me for insurance I don't need. They did the exact same thing last year- and I suspect this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: IL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX  XXXX Balance : {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: LEXISNEXIS
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
According to, the federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness. All three bureau 's I have asked for information showing proof of this bankruptcy they are reporting on my credit profile. 

I have sent letters to all three bureau 's from lexis nexis stating that they didn't release or report this inaccuracy to the three bureau 's. Now the three bureau 's have stated in there reports they received this information from lexis nexis. 

I have sent the three bureaus a letter from the bankruptcy courts showing they have never released any information regarding my name to anyone. 

All three are refusing to provide me information or proof that a bankruptcy belongs to me. 
It's not fair that these agency can still report inaccuracy on my report and cost me thousands of dollars. I wanted to complaint against the bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$950.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXBalance : {$600.00} XXXX XXXX XXXX  Balance : {$11000.00} XXXX XXXXBalance : {$11000.00} XXXX XXXX Balance : {$150.00}

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 2022-06-21
Company: Experian Information Solutions Inc.
State: GA
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:
The Credit bureaus stated the account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate within all three bureaus. They did not provide me with the original signed contract in which myself and the other party had a debt obligation. This is grounds for removal in addition they also violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Also, the credit bureaus took more than 30 days to complete my investigation in which my tracking numbers are # XXXX, # XXXX, # XXXX, # XXXX 15 USC 1681 Section 1623 15 USC 1681 Section 611 ( a )

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 2022-06-21
Company: EQUIFAX, INC.
State: GA
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:
The Credit bureaus stated the account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate within all three bureaus. They did not provide me with the original signed contract in which myself and the other party had a debt obligation. This is grounds for removal in addition they also violated my rights.

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Also, the credit bureaus took more than 30 days to complete my investigation in which my tracking numbers are # XXXX, # XXXX, # XXXX, # XXXX 15 USC 1681 Section 1623 15 USC 1681 Section 611 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Cascade CISS Holdings, LLC
State: OH
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'VE BEEN A VICTIM OF IDENTITY THEFT NONE OF THESE INQUIRIES BELONG TO ME AND IT'S RUINING MY LIFE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX chase mortgage charged off the XXXX on my home, I haven't heard anything from them there was never an attempt to collect it was charged off. in XXXX I receive a notice from IRS stating Chase bank said I owed them more than {$200000.00} and that I was responsible for paying taxes on the debt that's more than 14 years old and was charged off, I called chase on more than one occasion I was told that they didn't know what I was speaking of, I was told it was a scam, I was told there was no attempts made by chase bank. I called the IRS who confirmed the detail from Chase, I advised the IRS that I wasn't responsible to pay taxes on bad debt that was charged off more than 14 years ago and that once a account is charged off to bad debt the company can use it as part of the tax write offs, hence Chase is trying to collect on something that was charged off and received tax credit. I don't owe this money or any monies to chase or to the IRS. Chase erroneously sent my file to the IRS and lied to say I received {$200000.00} which is false.

Company response to consumer: Closed with explanation