BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-03
Company: Bread Financial Holdings, 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:
RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by Comenity bank/wayfair on XX/XX/XXXX and I have no recollection of doing any business with Comenity bank/wayfair. I contacted Comenity bank/wayfair, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. 

The second inquiry in question was made by Comenity bankXXXX on XX/XX/XXXX and I have no recollection of doing any business with Comenity bankXXXX I contacted Comenity bankXXXX and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. 

They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS IS MY FINAL ATTEMPT TO GET A RESOLUTION BEFORE LITIGATION IS PURSUED. XXXX XXXX XXXX, XXXX is reporting a collection account to all XXXX of my credit bureaus that is not mines. I have no contract or business dealings with XXXX XXXX XXXX, XXXX. I have never received any correspondence from XXXX XXXX XXXX, XXXX. I have requested documentation in accordance with the FCRA, but XXXX XXXX XXXX, XXXX refuses to comply. XXXX XXXX XXXX, XXXX is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure XXXX XXXX XXXX, XXXX understands the importance of properly investigating my concern. This has caused a great financial and credit burden on my family as we were recovering from medical issues and the aftermath of Hurricane Irma. XXXX XXXX XXXX, XXXX stated they would cease collection efforts yet still report an debt not mines to all my credit bureaus. They claim to have never received correspondence from me which is false. I will continue to document my efforts to get this issue resolved and seek litigation if I need to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In XX/XX/XXXX I spoke with a representative and got my car payments deferred due to COVID 19. The agent stated they were able to defer my XXXX and XXXX car payments, and that my car note wouldn't be due until XX/XX/XXXX. In XXXX the car was sold to a dealership who paid the car off, XXXX confirmed on XX/XX/XXXX they received the full payment on XX/XX/XXXX to pay the car in full. In XX/XX/XXXX XXXX reported a 30 day late payment to the credit agencies. I called and spoke to a representative on XX/XX/XXXX asking them why this was placed on my credit as there was never a late payment on the vehicle. The representative informed me that she seen where I called in in XXXX for the deferred payments however that agent never completed the setup. I asked well why wasn't I informed or why want any communication sent to me regarding this matter, the agent stated it was all set up. I also told the agent if what you are saying is true then the payment for XXXX and XXXX were late as the car not is due the XXXX of each month and they are reporting my XXXX payment was the only late payment. She informed me that she shows its inaccurate and they are going to get this updated immediately. I have spoken to countless representatives and was hung up on by a manager. I have been professional in this entire process and have tried working with XXXX to get this matter resolved. I had the vehicle for 3 years and I have never paid the car note late. I attempted again XX/XX/XXXX to resolve this matter and have explained to the finance company that I need to get this matter resolved as I am in the process of purchasing my 1st home and this hurting my credit and is untrue. I have not had an issue with XXXX and would like to do business with them one day in the feature, but the information they are reporting is FALSE and I have exhausted all my avenues to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citi spitefully and ignorantly sent years of credit card statements via unsecured email, when my request was clearly for a very short list of the specific merchants within the app profile in question and clearly noted [ XXXX, XXXX, XXXX ]. I dont work for Citi XXXX Its not my app. And, not my rules. Its not my job to prove a negative here.it is the obligation of the Executive Team at Citi they seem determined to avoid. Citi must prove the XXXX XXXX as intended by providing the dates of charges for the merchants previously provided and found in the Citi app. Now its up to you CFPB to get what I asked for. Its very simple. Thus, since youve repeatedly closed my previous complaints IN ERROR, Ill simply reopen yet another. Thank you.

PS : I do expect the CFPB will take steps to shield and protect years of credit card statements that the idiots of the Citi Executive Team chose to unnecessarily disclose to delay the inevitable realization that the XXXX is deeply flawed and fails to work in practice as intended.

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 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update the suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3.00} XXXX XXXX XXXX XXXX : {$40000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$49000.00}

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 2021-09-07
Company: EQUIFAX, INC.
State: AL
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:
My credit file was not corrected as a result of your research. I've already told you that my report contains accounts that are the consequence of identity theft. Please conduct a re-investigation and notify me of the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt was added to my credit report, that I was unaware of in the amount of {$2200.00} acct # XXXX This is hurting my credit negatively and I need this removed as soon as possible and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be  a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 



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 2018-12-05
Company: EQUIFAX, INC.
State: SC
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 mailed Equifax the necessary paperwork to remove the accounts on the credit files that did not belong to me and I have not seen any change and I have gotten no response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions 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:
I have been trying to get things off my credit report and it isn't working so I demand these inquiries off : I have tried for so long. I am the consumer and I demand all of these inquires off my report. It is against the law to report on my credit with no consent : 15 U.S.CODE 1681b. 
Experian Business CardXXXX 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 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 2023-01-07
Company: EQUIFAX, INC.
State: CA
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 submitted a letter to the 3 Credit Bureaus on XX/XX//2022 to update the suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3.00} XXXX XXXX XXXX Balance : {$40000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$49000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
While checking my credit report, I notice an account from XXXX XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, which are attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX  is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 2020-07-02
Company: EQUIFAX, 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:
Equifax Mortgage Services ran three hard Inquiries on credit report. Dates are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2020. I never authorized This company to run 3 Hard Inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: BARCLAYS BANK DELAWARE
State: NJ
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:
Upon checking my credit report, I noticed XXXX hard inquiries and XXXX late payment that are not accurate. I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 
The inquiries :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 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
How do I report companies for false and deceptive information? Companies can not simply misconstrue the law and tell consumers they are operating under the law when they give out false information and it affects people 's lives! I put in a CFPB complaint about my consumer report where a company did not follow 15 USC 1666b ( a ). I was then told as a response by XX/XX/XXXX the following message ; " Additionally, when a consumer enters into a financial obligation the consumer is agreeing that the creditor has the right to report this type of information to the credit reporting agencies. '' NO, A CONSUMER IS NOT AUTOMATICALLY AGREEING TO CREDITOR HAS THE RIGHT TO REPORT AUTOMATICALLY! THE CREDITOR NEEDS WRITTEN CONSENT BY THE CONSUMER FIRST! EXPERIAN 'S STATEMENT IS FALSE AND MISLEADING! 

Why? 

because it states it law the exact opposite must occur! And I quote 15 USC 6802 ( b ) ( 1 ) ( A ) ; " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. '' Meaning I have to give written permission to agree for that creditor to report my information! Why wouldXX/XX/XXXX give me a deceptive answer like this? Who wrote this response? They should be held accountable as this is a violation of 15 USC 1611 ( 1 ) for giving " ... .false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder. ''

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 2020-01-31
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 trying to cosign for my mom a new vehicle, and my salesman told me that my credit was too low accept me as a cosigner. I asked him to review my credit report for me. There are several student loans and collection accounts that do not belong to me. I never even went to college in my life. Please remove these items from my report. 

XXXX XXXX {$1000.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$96.00} XXXX  XXXX XXXX {$350.00} XXXX XXXX XXXX {$67.00} XXXX  XXXX {$41.00} XXXX  XXXX   XXXX {$6700.00}

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 explanation
Consumer complaint received 2023-07-03
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am being XXXX XXXX for the US Military. Per the SCRA and California XXXX, American Express was to respond and lower my APR to less than 6 % within 30 days. I opened a case with them ( XXXX ) on XX/XX/XXXX. To date, XX/XX/2023, they still have not responded. I have called, emailed, and uploaded all the required documents. This is very frustrating and stressful, frustrating, and illegal. 

Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-03
Company: SYNCHRONY FINANCIAL
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:
RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by Syncb/Paypal on XX/XX/2019 and I have no recollection of doing any business with Syncb/Paypal. I contacted Syncb/Paypal, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter

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 2020-08-03
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
TERMS : Free Checking Bundle Bonus : Get {$300.00} when you open a Free Checking account with {$50.00} minimum opening deposit and open a Savings account. Earn {$300.00} when you open a Free Checking account bundle and complete the following requirements : ( 1 ) Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening, ( 2 ) Enroll in eStatements, ( 3 ) Open a new savings account. 

Bonuses to the eligible qualified accounts will be credited, at the banks sole discretion, any time within 120 days after all qualifiers have been met. 

- XX/XX/2020 : Opened 'Free Checking Bundle ' through First Citizens Bank website per the direct link provided via direct communication with the offer code and according to the terms of the promotion. {$1000.00} deposit to each of 'Free Checking '  account and 'e.Savings ' account. 

- XX/XX/2020 : Enrolled in eStatements. 

- XX/XX/XXXX - XX/XX/XXXX : Completed 10 debit card transactions within 90 days of account opening. 

- XX/XX/2020 : 120 days after all qualifiers have been met - {$300.00} has NOT been credited to the account.

Company response to consumer: Closed with explanation