BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-20
Company: Bread Financial 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 XX/XX/2023 XXXX XXXX responded back to a dispute i had about an account that was created under my name fraudulently. They investigated and came to the conclusion that the account would be deleted as well as the inquiry that account made. When i called all the bureaus they stated that they dont have that information and the XXXX is still reporting. The account must be removed now because it does not belong to me. PER 15 USC 1681 B YOU ALL ARE BREAKING THE LAW. I DID NOT AUTHORIZE YOU ALL TO FURNISH THIS WRONG INFORMATION THEREFORE IT MUST BE TAKEN DOWN ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions 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:
I told Experian to investigate this account. 

Account name : XXXX XXXX & XXXX Account number : XXXX. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that aren't reporting correctly.

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2019-09-09
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This complaint is about SunTrust not wanting ti have as business relationship with me no longer which is fine, This is about SunTrust closing my accounts and then them placing a freeze on all of my account to where I can not have access to any money. 

The type of problem that I am having with SunTrust is that time hey have placed a freeze on, all of my bank accounts to where all of my money is in the SunTrust account and now I can not pay my bills and I'm going to loose my lively hood due to this bank illegally placing a freeze on my accounts. 

I have these individual or a corporation that's have been hacking into all of jy accounts my XXXX XXXX devices and all of my XXXX   machines these people will not leave me alone. So I'm to believe that this is them placing these charges on my account due to that I have Benn through 2 other backing institutions prior to me being with SunTrust but neither of the last 2 banking instituions did not place a freeze on none of those accounts. In which I'm to believe or I'm to know that this is illegal for them to do to me considering I have done nothing wrong? 

The companies complaint about me was that they will not tell me to why they have poached ed this freeze on my account nor will they tell me why they closed my accounts all they tell me is to read " there ' '' rules and regulations. I said what about our government rules and regulations. Theres over proceeds our government rules and regulations I'm under the assumption? They also have not sent me one single document stating anything about what is going with my banking institution with them nor the freeze on my account I had to find all this out by with me calling them??? 

The people that are involved ion to know that there is a XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX now? Due to these people compromising my life for the past 900 days and SunTrust of course as well in which they have denied all of my charge backs in which I DID NOTY CHARGE ANY OF THESE CHARGE BACKS ON MY BANK ACCOUNT. So now I'm the one being penalized from other 's doing to me what I would never wish done to None other???? 

I would greatly appreciate a answer ASAP due to that this is mine and my families lively hoods on the steak here. Please get back to me ASAP!! 

Sincerely 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 2023-11-20
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2025 the 3 major credit bureaus had a hard inquiry for a credit card from XXXX XXXX. I called Experian saying I did not authorize any credit pulls or hard credit inquiries, and they mentioned that banks do not need any permission to submit any hard inquiries to anyones credit report ( even if it hurts the score ). 

I called XXXX XXXX  and they denied pulling a hard inquiry and they claimed they have no records of such pulls on my SSN. Despite the fact that all 3 major bureaus mentioned it.

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 2023-11-20
Company: Experian Information Solutions Inc.
State: MI
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 am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your 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 2023-11-20
Company: Experian Information Solutions Inc.
State: MD
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:
In Accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX has violated my rights. 

*15 U.S.C 1681 Section 602A states : I have the right to privacy.

*15 U.S.C 1681 Section 604A Section 2 states : A consumer reporting agency can not furnish an account without my written instructions/consent.

*15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

*15 U.S.C 1681s-2 ( a ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX these accounts 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

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 2023-07-21
Company: CCS Financial Services, Inc.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The account in which Im referring to that has the incorrect information is an old account insurance account. The vehicle in which this account was a month to month agreement. The vehicle was involved in an attempted XXXX XXXX XXXX which resulted into a XXXX  totaling the vehicle & XXXX  myself. When I called the insurance company I was informed that I wasnt covered anymore by the policy. Also I received a letter in the mail stating this same message. Also when I spoke to the insurance company they told me theyd reach out to the police & creditor to validate what happen so they could take care of the matter but over time Ive seen that nothing has happened.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: NC
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 items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
XXXX had a data breach and I'm a victim Here my engagement code : XXXX Delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} 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 explanation
Consumer complaint received 2023-07-21
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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2020-11-09
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit cards has been lost/stolen and all the charges and transactions on the following credit card accounts are fraudulent : XXXX XXXX XXXX for {$290.00} and XXXX XXXX XXXX for {$210.00}. The XXXX XXXX XXXX and XXXX XXXX XXXX credit card accounts listed on my XXXX and Experian credit report are lost/stolen, and all the transactions on the credit card accounts are fraudulent.

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 2020-11-09
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I received my new Us Bank Reliacard on XX/XX/2020. I could not activate it online so I called cardholder services and was able to activate the card but was told my card was locked for security reasons. I asked what I needed to do to unlock it, they said I had to upload my ID and social security card. Which I did while on the phone with them. I was told it would take 24 hours to unlock my card. 17 days prior to that ( XX/XX/2020 ) I had already uploaded those same documents plus my lease to my new apartment due to the card being locked because I changed my address. Its Now XX/XX/2020 and my card is still locked. I haveXX/XX/XXXXsmall children and I am running out of food. I need to take care of my children with that money. My phone was shut off and my cable is next. 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 2023-04-11
Company: Experian Information Solutions Inc.
State: NM
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:
Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. My correct name is XXXX XXXX but bureaus are reporting it as a Also my current address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, But bureau reported that I have many addresses like XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
US DEPT OF EDUCATION/XXXX  XX/XX/XXXX = Closed Balance = $ XXXX  Monthly payment = {$0.00} Current Payment Status = 120 Days Late Is that even possible?! 

I began serious work on my credit file in XXXX. My first step was to consolidate my student loans. The Dept of Ed happily closed all of my accounts and transferred the balances to a single XXXX XXXX account. It took a lot work, but I managed to bring my scores up into the mid and high 600 's by XX/XX/XXXX. 
I was preparing for the day my mother passed away and HUD foreclosed on the reverse mortgage, also known as my family 's home. My mother passed on XX/XX/XXXX. Foreclosure was set to began 6 months later, during the first week of XX/XX/XXXX. 
I wasn't prepared for the amount of points I lost when my mothers accounts were removed from my file. I frantically pushed my numbers as fast and as far as I could until late XXXX then I began the purchase process knowing my options would be limited but time was quickly running out. 
I finally found a lender that would accept me and just as we were about to sign, the entry shown above posted at the bureaus. I lost an average of 63 points and with it any chance of securing the loan I desperately need before HUD lays claim to our home. 
I successfully disputed this account and they removed the notation, " last payment status = 120 days late '' last year. 
It reappeared in XXXX with a vengeance because now it shows " Current status '' = Late. On XXXX  I even saw XXXX and XXXX of last year marked in Red. That seemed to go away after I called them but the " current '' notation still stands. 
This entry has destroyed my life. I am now marked as currently delinquent by 4-6 months. Lenders laugh at me. 
Reporting an account that has a {$0.00} balance as late is beyond irresponsible in this arena. I would charge the U.S. Dept of Education and all 3 credit bureaus with negligence at the very least, tampering with malicious intent seems more accurate. It could become a XXXX  charge if my XXXX wife perishes because the damage from this entry forced us outdoors into XXXX. I would level these charges but, of course, I can't afford an attorney.

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 2019-01-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan servicer improperly charged insurance premium for a HO6 content coverage in my escrow account without proper notice. Charged premium at will before the notification was sent to mortgagor. Charged {$1600.00} in premium at once. When Mortgagor was notified, place the coverage and they still alleged that the charges were for back premiums. The actual insurance policy for the Condominium covers amounts enough for the money owed for the loan. Although Mortgagee was requiring these are additional amounts, mortgagor placed coverage for a year at a fraction of cost Mortgagee charged for the same coverage and in addition to the amount due on the mortgage. Mortgagor never received a certificate of insurance for what mortgagor was charged. These charges were illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX {$4.00} DEPT OF ED XXXX XXXX XXXX {$3800.00} DEPT OF ED XXXX XXXX XXXXXXXX {$5400.00} DEPT OF ED XXXX XXXX XXXXXXXX {$3900.00} DEPT OF ED XXXX XXXX XXXXXXXX {$9000.00} DEPT OF ED XXXX XXXX XXXXXXXX {$1100.00} DEPT OF ED XXXX XXXX XXXXXXXX {$5100.00} DEPT OF ED XXXX XXXX XXXX {$7400.00} XXXX XXXX XXXX XXXXXXXX {$220.00} XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$4900.00} Has violated my rights.

15 usc 1681 602 a states i have the right to privacy.

15 usc 1681 section a section 2 : it also states a consumer reporting agency can not furnish a account without my instructions.

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