BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
Dear Experian, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX. 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.

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 2022-11-07
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2019-07-09
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I paid the account in XX/XX/2015 and they reported to my credit in XX/XX/2015. SYNCB/Wal-Mart sent me a letter to settle. I called the number on the letter and spoke to a representative and she advised me that if I paid she would have it removed from my credit. I settled and paid. Once my payment was receiving SYNCB/Wal-Mart reported me to the credit bureau. therefore ruining 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
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 LA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am disputing these charges that was charged on XX/XX/19 in the amount of {$310.00}. The rental car was never received, it was blocked by the rental car agency agent at the counter. I have contacted the travel agency/XXXX, they have refused to refund money. I never took possession of the rental car. 
- On XX/XX/19 arrived at the rental car counter the representative at the counter refused to release the vehicle to us. This representative explained that the rental was for local rentals only, didnt provide unlimited mileage. We would have been charged additional mileage over 100 miles. We were told that the rental was for unlimited mileage upon rental. We advised per XXXX it was for unlimited miles. 
- Representative still refused to release the vehicle to us. 
- The only reason the reservation was cancelled is due to agent refusal to release vehicle to us. Which would void out any cancellation policy due the refusal of release of the vehicle. 
- I was not advised of any cancellation policy at the counter with the agent in regards to the information she supplied in reference to the cancellation. 
- We had to make other arrangements with another rental car agency, at a higher rate, we can provide proof of the reservation with the rental agency we actually obtained a vehicle from. 
- I contacted Capital One on the day in question and explained the situation and advised not to go forward with payment due to agency refusal of release of vehicle. 
- I received no services, no rental vehicle was in my possession or has ever been with the agency in question. 
- The reservation/cancellation was in hours of each other, the reservation/cancellation was all processed while at the location by the agent on duty. 
- We had no other options of resolution, we had no options other than to book with another agency. They refused to release the car as well as refusal of unlimited miles. 
- Per XXXX unlimited, per agent we would be charged additional fee for miles over XXXX. 
- XXXX is a travel agency, maybe they need to contact their vendor due to the discrepancy in their policies due to the unlimited miles verses over XXXX  miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Complaint file against Santander consumer # XXXX XXXX XXXX XXXX XXXX XXXX, TX.XXXX This is a notice of Direct dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the information that you have posted to my credit files. I recently contacted you in writing on XX/XX/2018 & XX/XX/2018 by certified mail ( USPS ) concerning the above partial account number. I never did receive a reply back from you. Recently, I have taken matters in my own hands to contact the FTC, CFPB & XXXX on a few separate occasions and I have disputed directly with all three credit bureaus, XXXX-XXXX XXXX and XXXX pertaining to this account. I am providing my information solely for investigation purposes and for you to cease reporting this account to the three credit bureaus, until proper validation is verified.

Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ), you have the duty to review all of the information in the Notice of Dispute, to complete your investigation and report back to me the results, within 30-days of my Notice of Dispute.

In addition, I humbly request that you provide me with a complete, copy of any signed contract & any agreement/s that myself and Santander may have, including a total breakdown of the balance you believe that I owe and furthermore the date/s that this said account was opened/closed and who opened this account and who is still using this account? If this account has been sold to a debt buyer, please provide the debt buyers information with me though the mail. If this account isn't validated within the 30 days, you will have to eliminate the debt off of my three credit reports per the FDCRA.

Please note : I have taken further action and sent out copies of my previous certified letter that was sent out to you on XX/XX/2018 & XX/XX/2018 to the FTC and CFPB and three credit bureaus to protect myself. 

Thank you for your cooperation in this matter, I look forward to promptly hearing back from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX Comenity collection department collected {$66.00} as a payment to take the balance to {$0.00}. 

On XX/XX/XXXX Comenity collection department send me a bill with a balance of {$110.00} due on XX/XX/XXXX I called to dispute this new amount and they told me that a manager can override any previous agreement made with any agent and that they would not take that off my balance. I told them that the agent had spoken to a manager, and they agreed to take off all the other charges to listen to the recorded conversation we had. They said they do not keep recorded messages and they do not have transcript of the conversations. 

The original amount is {$20.00} for a yearly membership fee that was never used so I forgot about it and did not cancel. Those {$20.00} grew fees on top of fees. 

They did not want to come to an agreement, nor did I know about my rights stated in 15 US code 1692, under section C. They did not go to the right channels and process to collect my money and once again to avoid more fees I ended paying them the {$110.00} on XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: TX
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX 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 2019-07-09
Company: Jim Bottin Enterprises, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/19, I was accommodated by a XXXX member holder, as I was getting ready to leave the gym ( a female agent by the name XXXX ) proceeded to yell at me " YOUR A LIAR -- I was looked around she said, " I talking to YOU! '' Embarrassing me infront all those customers. Than, demanded that I open a membership in my name I told her " I going to SUE YOU for embarrassing me by calling me a liar! '' She started to take out her personal cell phone in the attempts to harass and intimidate me by using the film when, I asked her not to record me. She continued to harass me until I agreed to sign up for membership. She stated the asked for my routing, account, and debit info along with my Texas drivers license. Agent advised the first payment would be XXXX.. taking out on the XX/XX/XXXX and the annual would be XX/XX/2019 for {$42.00}. To my finds by my bank alert, XXXX XXXX debited my account on XX/XX/2019 and I just open this ( XXXX account on XX/XX/2019 ). I called XXXX XXXX and was advised no it was not scheduled untilXX/XX/2019. Customer service office advised to speak to the manager of XXXX XXXX on located on XXXX XXXX XXXX XXXX, Tx XXXX. After showing the manager the copy for my bank, she proceeded to take it was correct for them to debit. Manager tried to speak to me in an uneducated form and belittle my intelligence. Manager spoke out in public to other customers and employees about my account status. Her and ( staff-Male ) proceed to make funny discriminating remarks. I asked for my money back and she proceed to tell me NO that was the start up fee. However, her agent never sent any documents to me and to my findings the information was intended not to reach me.. It contained the wrong email, address, and phone. She tried to embarrass me in front of all those customers and staff to blame me for the information not been correct when, her agent put in the info and never gave me a copy of the  contract. I fined it not to be funny on treating people poorly based on the skin color. The manager and staff where XXXX and proceeded to degrade and belittle me by her remarks and unfairness ... I want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 2023-02-03
Company: Experian Information Solutions Inc.
State: LA
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 sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2022-10-25
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im a victim of identity fraud. I found this new collection account on my credit report. 
Company name is National credit system. Someone stole my credential from a hotel back in XXXX. This social security was stamped with for work use only I became a U.S. citizen now with my new SSN and try to open a bank acct when they told me this Social security was already been used with XXXX XXXX Previous to this I did not have nothing under my records since my social was specify for work use only. 
This account ( National credit system ) is recent since they reported under a different name on the mid of XXXX of XXXX. 

Ive called the company and they refuse to tell me the name that the account was open under. But then also sent me a fraudulent letter via email. 
The letter does not contain a form number nor a heading containing to Dispute report for the account. 
I believe National credit systems tried to change the name on their account or intending to alter the name and address to the account. This is unlawful and refuse to answer my question. 
I also filled out a FTC report which they have my information. 
A copy of my identity verification will attached. 
And a my credential information. 
I will leave a copy of their un natural letter. 
The amount was for XXXX $ I will leave this open for others to see how fraudulent companies can be and hopefully helps someone. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: WI
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:
Hello, I am writing in hopes that you hold Experian responsible for incorrect reporting. I have sent multiple disputes in to have this information fixed/removed and it still has not been corrected. There have been two other complaints filed in which the creditor admits to wrong reporting. They are as follows. XXXX and XXXX. They stated it would be fixed which it has not. It has been well past 30 days since my last dispute letter to Experian with no update. XXXX and XXXX have already removed this account completely from my credit profile for the inaccurate reporting. I will have no choice but to file a lawsuit against Experian if this is not removed. Incorrect information that is not fixed is a violation of the FCRA. This account is directly affecting my ability to obtain credit due to incorrect reporting of all the dates opened, closed, last payment as well as multiple payment errors. 

XXXX XXXX - Account number 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 2018-08-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On my credit report it shows I was an authorized user on an account which is XXXX XXXX beginning XX/XX/XXXX. Between XX/XX/XXXX, and XX/XX/XXXX, payments for XXXX, XXXX, and XXXX were dropped off for XXXX. XXXX XXXX says they had no reason to go back to XXXX and XXXX and drop off payments.You are violating the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On or between XX/XX/XXXX and XX/XX/XXXX the account ( XXXX XXXX XXXX was deleted from my XXXX credit profile because it had inaccuracies and could not be verified. 

I recently revied my Experian credit profile and notice that on XX/XX/XXXX { XXXX XXXX XXXX } has reported this account without a 5 day notice. { XXXX XXXX XXXX and Experian } both have violated my consumer rights once again according to 15 U.S. Code 1681i - Procedure in case of disputed accuracy witch states below that they are in violation.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: TN
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:
Exerian has failed to properly investigate these accounts and to show proof Under FRCA 611 ( A ) ( 5 ) ( a ) Treatment of inaccurate or verifiable information If no account can be verified or reported accurately the items listed shall be deleted. Experian also failed to disclose all documents and records about these accounts they have on file Under 15 U.S.C 1681g Under 15 U.S.C. 1681i all unverified accounts must be deleted quickly. For as these accounts are damaging my credit worthiness

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 2018-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX, I am going to change my tone to a professional manner in hopes that you will personally correspond or respond in a proper manner.I have definitely not receive the level of customer service I had expected from BANK OF AMERICA, because all of my accounts do not total over a XXXX dollars! What is astounding to me is the fact that this is how you treat a PLATINUM PLUS level customer that falls into the 97 % of the accounts that make up the BULK in banks, such as Bank of Americana. A couple of weeks ago, I had two accounts compromised which I had emailed you several times, and never got a respond from you. Two days ago I had another account compromised, and I still did not hear from you to show that you even cared. Im letting you know that on Monday XX/XX/XXXX, I will be withdrawing my funds out of Bank of America.

Unsatisfied customer, 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 monetary relief