BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-03
Company: EQUIFAX, 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:
Ive reached out to each credit bureau Equifax, XXXX and a XXXX regarding the XXXX XXXX Credit card thats on my credit profile. XXXX XXXX XXXX  was aware that I did not authorize and make purchasing with that credit card. Upon speaking with XXXX XXXXXXXX XXXX  back in XXXX they assured me if I settled and pay a portion they would remove account from credit file. I also sent them a copy of the police report which states my XXXX XXXX card stating there were unauthorized charges on my account XXXX XXXX did nothing about it. I have both conversations saved on my phone. I recorded all conversations. XXXX XXXXXXXX XXXX had me settled account stating they would move account from credit file and did not honor their word. At this point I would like for XXXX XXXXXXXX XXXX to provide me a copy of every transaction along with signatures and copy of Drivers License used to open the account. XXXX XXXXXXXX XXXX should be able to provide all this information if they are stating I allowed these charges. I know they wont be able to provide anything with my signature or acceptance. If account is not removed from credit file Im going to hold XXXX XXXXXXXX XXXX, Equifax, XXXX and XXXX liable for punitive charges. Also, I would like for XXXX XXXXXXXX XXXX to provide me with the agreement stating I have them permission to share my personal information with XXXX, Equifax and XXXX. According to the Fair Credit Reporting Act I have to consent and so never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
None of the options presented to describe my issue, actually fit the issue. Comenity has been down for weeks now. They claim their systems are up and running, but I am unable to get into my account. Ive spent hours on hold with them only to eventually be disconnected by them. When a rep does access my account they claim they can view my account but are unable to make any changes. They tell me to call back, or transfer me to a number that goes nowhere, and once just disconnected my call without provocation. I am unable to pay via easy pay, automated pay or any other pay options. 

There is currently over {$500.00} in fraudulent charges on my account that have appeared since this planned system upgrade. Comenity even recognized these transactions as fraud because it triggered their automated fraud system. I immediately reported this to their fraud department, within minutes of the transactions. Their fraud department claims they will refund the amount but hasnt as of yet and that conversation happened 10 days ago. My bill is due today and I have no way of paying the amount that I personally owe from the 2 charges I actually made. In 3 days, they will report erroneous information to the credit bureau despite my numerous attempts to pay them over the past 14 days, and attempts to resolve the fraudulent purchase over the past 11 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: Credit Karma, LLC
State: OR
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:
I want to report Credit Karma because they said my approval odds were something that they were not. Approval odds were incorrect when it came to credit cards that I applied for & then was denied because I based my decision on credit karma.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: NY
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:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: In progress
Consumer complaint received 2023-10-01
Company: Experian Information Solutions Inc.
State: CO
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 am writing to formally dispute inaccurate information on my credit report, which was reported by Experian. On XX/XX/XXXX, I initially contacted Experian regarding the following erroneous information : Account : XXXX Date Opened : XXXX XXXX, XXXX  Balance : {$1300.00} This account is not mine ; please remove it from my credit report.

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 2022-07-10
Company: NAVY FEDERAL CREDIT UNION
State: DC
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 distressed that you have included the information below in my credit profile and that you have failed to maintain responsible procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. the following information, therefore, needs to be re-invested. I respectfully request to be provided proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. I have attached the FTC identity theft report including all inaccurate information. Failing that, the item must be deleted from the report as soon as possible, As the item is inaccurate and incomplete. please delete this misleading information, Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  XXXX auto finance has now reported a late payment to the credit reporting agencies, even after the account was disputed and it eas never released the information that was requested, consent eas never given to release private information to a third party and late payments are not apart of credit transaction. This account has been under investigation for securities fraud as well as a complaint has been filed for tax evasion of the creditors by the consumer.

Company response to consumer: In progress
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I never sign a promissory letter with this agency. Please delete this off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: KY
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:
XX/XX/2022 - sent email to XXXX XXXX XXXX To date, I have records of factual documentation where XXXX XXXX XXXX has made absolutely no effort to rectify this situation and has continuously and very aggressively acted in bad faith to breach my personal and private data. 

Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: GLOBAL PAYMENTS DIRECT INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed up for XXXX XXXX because they were giving away free play money. I signed up with all my personal information and turns out it was a complete scam. I won money and they wouldnt let me cash it out. Instead, they tried to take {$420.00} dollars from me that I did not authorize them to do. I tried to get in contact with this company and you cant even get a hold of anyone. Therefore, I disputed it with my bank because I did not authorize them to take that money. Now, they sent me a debt collection letter saying I owe them the money when it was already disputed with my bank and threatened me with a letter that they were going to report it to credit companies and take a hit on my credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: In progress
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
TransUnion violated 15 U.S.C. Subsection 1681 ( b ) and ( c ). On XX/XX/2022 I disputed the account listed below and asked TransUnion to provide proof from the court as to the results of their investigation, to date TransUnion has failed to do so. TransUnion has failed to disclose the nature and scope of their investigation within 30 days, ( A clear violation of the FCRA ). As of todays date XX/XX/2022 TransUnion has not responded. I have enclosed evidence as proof in support thereof that TransUnion violated 15 U.S.C. Subsection 1681 ( b ) and ( c ). Therefore The following account must be removed from my credit file : XXXXXXXX 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 2019-03-08
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cbna/Sears I have never had an account with them note have I ever shopped in/from Sears in-store or via internet this has to be a mistake

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 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: In progress
Consumer complaint received 2023-01-13
Company: Experian Information Solutions 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:
These companies are no longer available due companies close down no longer a hospital saling people person information identity theft required full investigation an disclosure if u can't provide anything I requested everything should be removed off my credit report I requested to dispute it from my credit report

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 2021-11-29
Company: LEXISNEXIS
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX XXXX I am filing a CFPB complaint on my own behalf it is my legal right to do so. I am not an attorney or a third party. I am a victim of ID Theft. 
I reviewed one of my credit reports and notice there was some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. I am requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : 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 XXXXXXXX, XXXX XXXX Please delete the fraudulent accounts My name is XXXX XXXX XXXX XXXX Please delete any other variations of my name XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX MY ADDRESS IS XXXX XXXX XXXX XXXX OH XXXX Please Delete Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SUNFLOWER CT XXXX, CA XXXX Please Delete Phone Numbers that do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My Phone number is : ( XXXX ) XXXX PLEASE DELETE HARD INQUIRIES : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: In progress
Consumer complaint received 2022-05-24
Company: The Bureaus, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My complaint is against the The Bureaus Inc. They are falsely representing themselves as a debt collector & attorney on my XXXX credit report. By doing so they are in violation of Federal Credit Reporting laws that prohibits a debt collection from falsely representing themselves as attorneys. They are in clear violation of 15 USC 1692f that the FTC very clearly spells out that " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt ''. 

They are also still in violation of the NORTH CAROLINA DEBT COLLECTION ACT, NC.GENERAL STATUTE.CODE 58-70-01 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in North Carolina unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of StateXXXX As of today " The Bureaus Inc '' does not have such bond listed with the NC Secretary of State. 

They are also in violation of NC. GENERAL.STATUTE.58-70-50 which requires a collection agency place its permit number, true name and address to all correspondence sent to the debtor. They failed to include their permit number on their correspondence dated XX/XX/22, and this is a clear violation of NC debt collection laws. 

I am attempting to resolve this issue with them, if they do not remedy this egregious violation by removing the negative tradeline from all three credit bureaus, I will be seeking all legal remedies available to me in this matter. 

I'm attaching a copy of my XXXX report showing them falsely claiming to be attorney 's. I'm also attaching a copy of their website that shows they are not attorneys. And I am attaching a copy of the correspondence they sent to me that does not have their permit number on the correspondence they mailed out, which is required by law in North Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have more than 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2022-05-24
Company: Maximus Education, LLC dba Aidvantage
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am so upset I am shaking and I couldn't sleep last night. I was on hold with the department of education for 2 hours. I talked to someone and she said she transferred me to a " Loan discharge agent '' and then left me on hold music for 2 hours and then the music just stopped and it was nothingness. This is definitely on par with the incompetence of the department of education. It is not a new experience at all. 

I received a letter on XX/XX/21 that stated I would get 100 % of my balance from XXXX University discharged. What happened yesterday was I received a letter stating only {$8800.00} was discharged. I owe at least {$80000.00} from XXXX and this is definitely not 100 % discharge. This is not even 10 %. I have been lied to. I have been treated horribly. My life has been on hold waiting for not even 10 % of what I was promised. I waited my 180 days as the letter on XXXX stated. I consolidated like I was told to get the FFEL loans added to the discharge. HOW CAN THEY DO THIS TO ME?!??!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I have Contacted the department of education to investigate my student loan the for profit school that illegally got me into it under the lie that my credits where accredit and I could transfer into any school with also my master promissary note that didn't have my signature on it it wasn't mine it was electronic and I signed all my financial aid work at XXXX XXXX   failed to provide my original promissary note. Yet they continue to report to the credit bureau during an ongoing investigation that according to the news in the paper could last year 's and in the process there during destroying my credit

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