BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I recently pulled my reports and noticed you are reporting the incorrect ( date open ) and the incorrect ( date last active ) for this account ( XXXX cred # # XXXX ). Because the date opened and the date last active being reported by your company and XXXX are different, this means the account has not been properly verified. Please delete this account immediately. 

Theres also a copy off my updated credit report provided.showing these inaccuracies

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 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid the debt from XXXX Acct # XXXX but it is still showing on my credit report as open My credit report showing paid and account closed

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 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX is trying to collect a debt that is not owed. I never had this company as a debtor. I tried contacting XXXX and they do not have the correct identifying information. Please remove from my credit bureau. Thanks

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 2018-11-17
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I keep getting fraudulent information on my account even after they have the evidence. They remove it, then put it back on. They they let another company buy it and report the same inaccurate information. I've asked for copies of original contract with my signature. Payment history and all documents and also how the information was verified. They can't give me any documents because they don't exist. Remove, delete, and block those accounts. I've given several 30 day noticed and now am only giving 5 days  because you have supplied inaccurate information to companies requesting my credit report. I am now seeking civil damages for reporting inaccurate information. 
XXXX XXXX XXXX XXXX - {$17000.00} XXXX {$13000.00} XXXX- {$6200.00} XXXX XXXX - {$490.00} XXXX- {$700.00} XXXX XXXX- {$0.00} balance, paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: SC
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 formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act 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 explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: UT
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:
There is NO EXPIRATION DATE showing on my credit, see attached. This account was negative and should have been REMOVED IN XXXX! Yet it still shows on my credit a month later????? Why?????? Just because it says it was " sold '' doesn't mean that there is a collection agency or any other firm taking over the account. The account was charged off and now it's expired!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
See attached. You have failed to correct an error YOU created on my credit! To this day that error remains on my credit report. I will not allow you to keep XXXX up my credit with your incompetence!

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 2018-12-12
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX bought my XXXX XXXX Debt. They sent the initial letters to the wrong address and I did not get a chance to dispute prior to being placed on my credit report. 
Also this collection reports as an installment loan on at least one of the reporting agencies XXXX  as an installment loan. 

Please refer to complaint XXXX XXXX received complaint XX/XX/2018 Many other complaints such as mine were similar. 
This is not a installment loan Credit collection and not a loan. I paid monthly reporting as a loan is incorrect. I am requesting close with non-monetary relief no valid letter given to right address. This has caused much distress and hardship for me by not sending the validation letter to the right address, reporting as an installment loan to at least one of my creditors has greatly affected my score, as well as reporting monthly negatively on all credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: UT
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:
On the XXXX XXXX XXXX XXXX # XXXX account that you FINALLY got the dates correct on, took forever, you removed the expiration date for when the account will fall off my credit. Why was this date removed????? Please put the expiration date back on the report so I know when the account is scheduled to fall 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 explanation
Consumer complaint received 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 sent many disputes throughout 2020 in regards to my issue with ID Theft. Last dipsute was sent to Transunion, XXXX  and XXXX  with XXXX resolution on XX/XX/2020. They are supposed to block the accounts within 4 business days and then do the investigation, the issue is they never were removed and pursuant to 605B of FCRA that is illegal. These accounts arent mine and not only that but XXXX  XXXX is refusing to remove the fraudulent account off of my credit. They say its verified and accurate. HOW DO THEY VERIFY THE ACCOUNT, someone took my information and openeed the account in my name and then used the account without me knowing. This is a serious matter and it is a felony and im not going to put up with being abused by the financial system.

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 2021-08-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company Portfolio Recovery Associates, XXXX has been trying to collect this debt which is not mine. I have repeatedly filed credit disputes on this company. 

This company has been trying to collect this debt since 2016 which is out of the statute of limitation 's to collect this debt. This company keep reopening this account with current dates which is false. 

Furthermore, this company is not licensed to collect debt in XXXX, Tx and I am requesting to stop sending mail regarding this matter and remove this debt from all ( 3 ) credit reporting agencies. 

The following is : Date:2016 Amount : {$610.00} Actions Taken : Filed several disputes with the credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I mailed a check to my granddaughter from Florida to Georgia. The check was stolen and the name, date and amount were changed. It is very obvious to anyone that the check was altered but someone walked into a Wells Fargo branch and was told the amount of money in the account and cashed a check for {$7000.00} to completely wipe out my account.. Another check hit the bank the same day so the account became overdrawn. I was sent a notice from Wells Fargo that my account was overdrawn. I immediately checked the account and saw a check for {$7000.00} had been cashed. I went to the bank branch in XXXX XXXX XXXX and was told they could not help me. I had to do everything by phone. I stayed in the bank and made the phone call. My current account was closed and a new account was opened. But I had no money or checks to pay my bills. I have made approximately 10 phone calls to Wells Fargo since XX/XX/XXXX and have accomplished nothing except a runaround and lies. I contacted the XXXX Police Department and our local sheriff 's fraud department and filed a complaint. I contacted all of the credit bureaus and froze the accounts. I have not yet been able to speak to anyone that spoke good english and could give me any good information. Wells Fargo personnel constantly change the rules and things I am supposed to do. I was told it would take 2 to 5 business days to get my money replaced. When that didn't happen I was told 10 to 12 business days, then 12 to 14 days. Now that 14 days have passed an agent told me they were mailing me an affidavit ( supposedly mailed XX/XX/XXXX but I have not received it ). I am to complete the affidavit and mail it back to them, then they will start their investigation. The agent also told me they tried to call me on XX/XX/XXXX but I have no record of any call. I did receive a letter from Wells Fargo on XX/XX/XXXX, dated XX/XX/XXXX stating they would help me and to call a number. When I called the number the person said I needed the 8 digit code that was in the letter. I have had several people look at the letter and there is no 8 digit code. I asked them to send a text to my phone and I would reply but they said they couldn't do that. I was informed that without the XXXX digit code nothing could be done to help me. I am totally mentally exhausted from this frustration. Everytime I get to talk to someone after pushing many buttons on the phone they say it is not their department and the department that I need does not accept phone calls or emails. This is a nightmare. I am XXXX XXXX XXXX and a widow. My social security and my husband 's federal pension have been stolen. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: OH
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: Problem with personal statement of dispute

Complaint:
I sent multiple letters to verify my accounts. After the company recieved the letters to delete false reporting information. They told me they felt all my information was accurate. 
Under 15 U.S. Code 1681I ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 
( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance. 

I did not give permission to any agency ( XXXX, Equifax, XXXX, XXXX XXXX and XXXX XXXX ) to report any information ; especially inaccurate information. I have called numerous of times and sent numerous letters. failure by a consumer to provide sufficient information to investigate the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: UT
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:
Experian has this negative paid off account on my credit that is expiring this year. However, there is no date listed as to when it expires. I'm certain it's 2023 it's due to expire. Why this is like this is beyond me. Therefore I'm including the creditor so that they too understand they need to get an expiration date on this account or both Experian and XXXX will be required BY LAW to remove it now!

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 2018-12-12
Company: SUNTRUST BANKS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I had a Cash Rewards card from Suntrust Bank. I used it for a year or two.  And then I decided to pay it off. The final balance was only {$32.00}. I paid it by phone, the person ensured me it was the final balance. I checked my XXXX  report recently and it says {$160.00} due with a late payment. I called Suntrust. They inform me that they were wrong, and I owed an additional {$32.00} back in XX/XX/2018. So this has now become {$200.00} with fees. 

I never received a bill. I never received a bill by physical mail. I never received a bill by e-mail. I never received a phone call. I had to find out about this through XXXX. I have paid the {$200.00} to stop the interest accruing. But I am furious and would like a MINIMUM of {$170.00} returned to me, as the original amount I owed was {$32.00}. I will not do business with Suntrust for the rest of my life, banking or credit card, or any goods or services. I hope I can find resolution to this issue and most importantly remove all records of a FALSE late payment from my perfect 100 % 10-year credit history.

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
Consumer complaint received 2021-11-10
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, i opened an account with citibank about a month and a half ago. Everything was fine and all and i was using my account accordingly then all of a sudden my account was frozen and my online access was blocked due to unusual activity according to citibank. I right away called and they had me go over some verification steps which i did and still nothing. The last step they told me in order to verify my identity was they would send me a letter via the mail with a reference number so that when i receive it i call and give them that reference number and my identity will be verified and my account unrestricted. That letter was supposed to be sent 2 weeks ago and have called back twice and been told it will be mailed and nothing has been delivered to me. Idk what to do anymore. The last rep said he doesnt see why my account hasnt been unblocked yet if ive pretty much verified all my info already. They are holding up my rent money for no reason. Please 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 2020-07-24
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX Debt Collection  harassment of the debtor for credit card charge-offs issued by Comenity Bank such as Victoria 's Secrets. I am a divorced XXXX  XXXX XXXX XXXX living on social security. I have a difficult time paying for XXXX  and the prescription XXXX  to minimize the complications of XXXX. I was XXXX  for complications  of XXXX for several weeks and spent six weeks in a XXXX XXXX. When I returned home my apartment was ransacked. Social security card, passport, and driver 's license were among the items missing. A Victoria 's Secrets account was opened and merchandise purchased. I don't remember opening up this account. Comenity Bank informed me the account was in collections. I began to receive multiple robocalls each day on my cellphone from different phone numbers. I answered the phone the call on my cellphone and immediately the call would terminate. Unless the number matched a contact in cellphone I just blocked the number. As a result of this continued harassment, I missed an important call from XXXX XXXX XXXX provider to inform me they had not received payment for the month. Within a week XXXX XXXX XXXX provider canceled the XXXX  coverage. I would have to wait until open enrollment for coverage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-15
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2018 I reluctantly opened a XXXX XXXX  XXXX XXXX XXXX XXXX mastercard after being highly pressured by XXXX XXXX   customer service at the time I was signing up for club membership. I refused the card several times but after continued pressure and being advised that I would have better club benefits and a {$5000.00} immediate credit limit I accepted the card against my better judgement. The entire transaction took less than 10 minutes, I was given an instant approval and sent a card in the mail. 

I used this card, made my payments early, as I do with all of my credit cards and after less than 2 months my card was declined. I called customer service who were incredibly unhelpful and was told that they had decided to close my account and could do so at any time. I was deceptively offered a credit account, used sone of it, then had it taken away almost immediately when I did nothing wrong causing my family and I hardship. This will negatively impact my credit score and I believe this practice to be deceptive, unethical, and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have filed a dispute with this company even filed my identity theft report fringe FTC and they still will not delete the fraudulent inquiries even after creditor notified them to do also they totally ignored everybody request. This was as recent as XX/XX/XXXX I believe I've even wrote too the attorney general 's office but still no help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Bread Financial Holdings, Inc.
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:
I have reached out the Comenity Bank several times regarding this issue... 
In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Dates of late payment reported without my consent was XX/XX/2022 and XX/XX/2022 XXXX

Company response to consumer: Closed with explanation