BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: In progress
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: VA
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:
After sending several dispute letters requesting an investigation on two accounts that are reporting inaccurately, filing a complaint with the Consumer Financial Protection Bureau seems to be the best options. I have been requesting an investigation from 2 accounts since XX/XX/2023. It is not XX/XX/2023 and I have not received any evidence or correspondence from Equifax. With the help of The Federal Trade Commission enforcing The Fair Credit Reporting Act ( FCRA ), which promotes the accuracy of information in the files of the nations credit reporting agencies, as a consumer, I have the power to challenge every questionable negative item on my credit report. According to the law, it ensures that bureaus report only 100 % accurate credit information. Each step must be taken to assure the information reported is completely accurate and correct. Unfortunately, this is not the case with the items Ive attempted to dispute. 

I find being ignored and my concerns being neglected and unaddressed to be truly unfair ; thus requiring me to file a complaint to expediate addressing this ongoing matter. I am in the process of purchasing a home and came across 2 accounts that are reporting inaccurately which violates a few of my consumer rights : XXXX XXXX : XXXX XXXX XXXX : XXXX During the time of these late payments, we were in the middle of a pandemic. Due to COVID-19 forbearance program regulations, it states that no late payments are to be reported to the financial credit bureaus during the COVID forbearance program. I am a consumer who was tremendously affected by COVID. How were late payments being reported when according to the FCRA and my consumer rights, I was protected under the CARES Act? After doing research, I also noticed that consumer rights were also violated under 15 USC Code 1681s2 ( F ) Reporting information during COVID-19 pandemic. It states that during this period, all reporting should reflect as CURRENT. My rights have been violated which has caused me to take actions to protect myself at all costs. 

Pursuant of 15 USC 1681i Paragraph ( 5 ), any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified. The consumer reporting agency shall ( i ) promptly UPDATE to PAID, NEVER LATE. The most fair and desirable outcome would be to UPDATE to PAID, NEVER LATE as soon as possible. This information is inaccurate and misleading and as such represents a very serious error that is detrimental to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: NY
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:
COMPLAINT ( XX/XX/23 ) XXXX XXXX XXXX XXXX ; You have it listed as CLOSED. 
Their reply was insufficient and I responded to it, on XX/XX/23. 
I called XXXX XXXX and was on hold FOREVER. Not once BUT THREE TIMES. 
I called the Compliance Department and also LEFT THREE MESSAGES This is far from over, for our credit scores are severely damaged BECAUSE of XXXX XXXX XXXX. 
I would appreciate action to satisfy, both parties, on this issue. 
Thank 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 explanation
Consumer complaint received 2022-12-24
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: Account status incorrect

Complaint:
In accordance with fair credit reporting act accounts ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.SC 1681 section 602 A, states l have the right to privacy.

15 U.SC 1681 section 604 A section 2. It also states a consumer reporting agency can not an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
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:
On the date of XX/XX/2022 two accounts were open under my name ( XXXX XXXX XXXX ) one with a balance of {$310.00} and the other with the balance of {$120.00}. Yesterday XX/XX/2022, I was checking my credit report and found these two accounts reported. I called the company and I confirmed the accounts being opened by an original creditor called XXXX XXXX which was bought by XXXX XXXX XXXX and they were able to provide the information and address from where the account was opened. They told me it was open in XXXX, TX. I then did a police report and I also contacted all 3 credit bureaus. The account seems to only be reported on my Transunion report. I was told to take this step of filing the complaint and send police report and a copy of this complaint to Transunion via US Mail.

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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX accounts below violated my rights to laws 15. U.S.C. 1681 Section 602A- which states that I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2- Consumer Report Agency can not Furnish an account without my written instructions. I have sent several request to remove this information. On XX/XX/XXXX, XX/XX/XXXX and they have not complied. Below are the accounts : XXXX XXXX ( XXXX XXXX XXXX ) # ACCOUNT XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX # ACCOUNT XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

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

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

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 2022-12-24
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: Was not notified of investigation status or results

Complaint:
Experian refuses to adhere to the FCRA by reporting accurate information on my consumer credit file report. Experian refuses to include on my Experian credit report a XXXX word or less statement, sent in dispute concerning an alleged bankruptcy showing on my report. Experian refuses to disclose its investigation of my dispute of the Name, Address and Contact Number of the entity that verified the allege Bankruptcy. I personally contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX. They stated they " do not '' verify Bankruptcy filings, if they did it would be on XXXX XXXX  XXXX letterhead if it did so. 

Experian previously deleted an account XXXX from XXXX XXXX XXXX then re-entered the account which is outdated. Experian also is reporting a closed XXXX XXXX account XXXX as open with a balance of {$3000.00}. 

Again, Experian is in violation of the Fair Credit Reporting Act and willfully doesn't adhere to FCRA or CFPB guidelines. 

Experian shows credit inquiries which weren't authorized by an refuses to delete the fraudulent inquiries by XXXX. XXXX XXXX XXXX XX/XX/22 and XXXX. XXXX XXXX XX/XX/22

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 2023-05-16
Company: EQUIFAX, INC.
State: IL
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:
NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, State : XXXX, IL XXXX Email Address : XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number #, has vlolated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a crodit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immedilately as you are in direct violation ot several laws under The Fair Credit Reporing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded XXXX a XXXX  of proud and I demand this incorrect, inaccurate, and unverifiable Information ( inquiries ) be deleted from my report. 60 Days later no response is insane why take of someone who is trying so hard as a XXXX  mother. They do not legally own this debt and I do not either so remove because that means this account is not 100 % accurate on my credit report by consumer law my credit report is to be 100 % accurate at all times or Violation fees of {$1000.00} per violation can be served.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: Lendmark Financial Services
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XXXX XXXX, I contacted Lendmark Financial Services to payoff the vehicle loan. The payment was made with XXXX in which XXXX did not communicate any company policies during the process of the payment. The payment was made and was posted to the account as well as cleared from my bank. I called over and over and over requesting the vehicle title securing the collateral of this loan in which Lendmark Financial Services refused to release the title and the lien on the title. They advised that their policy had a waiting period of 10 days, then I was told 14 days. I advised every representative that I spoke with ( on a recorded line ) that Lendmark Financial Services will be responsible for a Fee in the amount of {$250.00} per day until they release the Title and the Lien on the title for the vehicle that is securing the loan as Collateral. All representatives ( on a recorded line ) agreed to the charge. The title was received on XX/XX/2022, therefore Lendmark Financial Services is required to pay the invoice in the amount of {$8500.00} ( 34 days at {$250.00} Per Day. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX had engaged in deceptive business practices by selling used damaged shoes to American 's of XXXX decesent without their knowledge or disclosure. Over the past year XXXX XXXX had sent worn damaged shoes and went I filed a formal complaint and refused to accept anymore used damaged good XXXX XXXX closed out my credit card account with full knowlegdge this would have an immediate impact on the consumer credit score.

XXXX XXXX card is issued by Capital One. According to Capital One consumer credit card agreement they may close or suspend the consumer account at any time and for any reason permitted by law even, if the conusmer is not in default. 

I live in the State of Maryland and there is no law that permitts XXXX XXXX the right to sell used damaged shoes without full disclosure therefore, no laws were broken that permits XXXX XXXX or Capital One the right to close the consumer account. 

In addition, due to the fact I have several other cards by Capital One and can use to make a purchase this is a total contradiction of the reason Capital One closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: MD
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-06-02
Company: Experian Information Solutions Inc.
State: OH
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: Received unwanted marketing or advertising

Complaint:
Experian I have recently been made aware of a collection agency whon would not release any information to me. About the DEBT. If they bought it and or assigned to the. Was the original creditor and did they write it off and close the account. 
I never got these answers because the over talked me got louder and endangered me while i was driving on the roads in traffic. 
I went online to see my report to get information abput this matter. I found 2 creaditors. I tried calling XXXX and was treated in the same way and never got answers. 

When I came back to the site there were offers of credit cards for me to view and experian suggested... I should get a CC to pay off a current up to date bill for XXXX dollars. 
I did open the offers and the intrest rates were anywgere ftom 39 % at a 60 mo repayment to 31 % and 24 % with different terms. 

I was not advised on how they could actually help me with my actual problems an instead encourged to open a nother line of credit at CRAZY HIGH INTREAST. 
I hope there r some rules to help consumers not fall pray to this insane plan. 
I ask what could they be thinking with such offers, are thet praying on me at a very volunrable time? 
The offer came accross asa a debt repair offer. If they are such an enity I feel they need to inform disclose and well. 
I think thet need to hire a responsiable company who would coach mentor and actuslly help the consumer in such times as befalls each american somwhere in there lifetime. 
To add more debt to pay a bill im current with at such high rates is not the first piratory. 
Experian are they masqurading as a credit reporting agency or debt collector, or are they prowling om the vunarable citizan who may think mthis will solve problems.I would like to know the nature of there business and do they receive kickback from the companies that they suggest to the consumer. 
Experian,,, arev they a CROA member and do they stand for consumer vs other corporations praying on the vunurable? 


XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-11-02
Company: Credit Bureau of Carbon County
State: CO
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:
Collection Center Inc of Wyoming took possession of a debt from XXXX XXXX XXXX  on XX/XX/2019 in the amount of {$6600.00} dollars. This account was approved for charity care and recalled by the original creditor with a XXXX dollar balance on XX/XX/2019. Collection center has verified they received this request from XXXX XXXX. 

A dispute was opened with XXXX  and Collection center inc. falsely verified the balance of {$6600.00} to be correct on  XX/XX/2019, when they had documented evidence the account was XXXX dollars and recalled on XX/XX/XXXX. This false information continues to negatively effect my credit score. 

As collection center inc has proof that this account was recalled on XX/XX/2019, I demand that this incorrect information is removed from my XXXX report immediately, or I will have no choice but to escalate to a higher authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a XXXX store card held by Comenity Bank. 

I made a purchase online on XX/XX/2023 and used {$45.00} of credit card rewards to pay for my purchase. I then returned the item in store on XX/XX/XXXX ( receipt attached ) and the cashier processed the return and rang up the items I was buying in store. You can see on the receipt that the item cost {$60.00} and I was getting refunded {$15.00} with a line under that I used {$45.00} credit card rewards. The {$45.00} rewards was not processed on that receipt and nor was it returned to my credit card. 

I reached out to the company on XX/XX/XXXX stating that my {$45.00} in rewards was not credited back and was told it would be forwarded to the correct department. I did not hear back after XXXX weeks and reached out again on XX/XX/XXXX. They responded with something that had nothing to do with my question and then after another message exchange, I was told that a dispute was being opened for the missing {$45.00} ( message attached ). I never gave the okay or permission to open a dispute- which created a note on my credit reports. I believe this is illegal for them to act on my behalf for my credit. 

After many back and forth messages ( with some of my messages being completely ignored ), I was told on XX/XX/XXXX that {$45.00} in credit card rewards was added to my account on XX/XX/XXXX. I then went to my rewards section and did not see anything that supports this. Instead, I saw {$0.00} added on that date ( proof attached ). XXXX cents and XXXX dollars are XXXX very different things. I went back and forth again and they insisted the {$45.00} was credited back to me. They told me that they can open another dispute. 

In the middle of this, I have had XXXX {$10.00} rewards expire. Mainly because I have spent XXXX months trying to get my money back that they owe me! I went to use XXXX of the rewards on the day it was supposed to expire and it was not in my account to be used. I am not sure how something can expire on a day and not be available for use. This is false advertisement!

Company response to consumer: Closed with monetary relief