BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Mid XXXX I received a Collection letter from IC Sytems stating I owe {$41.00} to XXXX XXXX which is False and fully disputed. Upon receiving letter I called IC SYSTEMS to verify the information and to let them know I would be disputing the said debt. The collector verified the XXXX number I was calling in from and Identified as my cell phone and requested Cease and desisted all call to my cellphone. 
I sent in written my dispute and requested all itemised statements, contracts and validity of this debt. 

First week in XXXX I received some fraudulent typed letter ( see attached ) Saying I owe with no detailed explanation, contracts. Payments, receipts and statement to pay.

Per REGULATION F this is a violation of a valid debt. There is no leagal documentation or binding contract from original creditor.

SECOND. I started receiving numerous calls to my CELLPHONE, from multiple numbers. They would hang up on me. A representative finally answered and IDENTIFIED IC SYSTEMS AND A DEBT.

I advised that I requested a cease and desist from my cell phone and I was transferred a coulple times where I was told I need to put NO CALLS TO MY CELL PHONE IN WRITING WHICH IS A BLATANT LIE!! This is harassment for a debt that is not valid.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2022-12-26
Company: JPMORGAN CHASE & CO.
State: DC
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: Card was charged for something you did not purchase with the card

Complaint:
I called the XXXX XXXX XXXX XXXX on XX/XX/2022 to make a reservation for XX/XX/2022 under a wedding block. The reservation had to be made over the phone because their website does not support wedding block discounts. After making the reservation, I did not receive a confirmation email ( after speaking to other guests at the wedding, no one received a confirmation email ) and had to call back twice before actually receiving an email with a confirmation number on XX/XX/2022. There are no other details included in this email. On XX/XX/2022, XXXX charged my credit card for the room. On XX/XX/2022 when attempting to check in for my reservation, the hotel claimed they had nothing on file. I presented the email confirmation number as well as the charge. The front desk attendant explained that they would not charge for a room until after the stay and that the confirmation number was not in the format the hotel uses. She guaranteed me a refund for the initial transaction. She provided this guarantee on XX/XX/XXXX at check in and again on XX/XX/XXXX at check out. ( There are multiple witnesses to these conversations. ) I began calling the hotel daily for two weeks post checkout. The manager claims that I was a no show in XXXX. There are transactions posted in XXXX on this same credit card in Virginia. Chase authorized a fraudulent transaction for a service I did not agree to. I filed a claim with Chase at the end of XXXX. I filed a complaint with the XXXX XXXX XXXX Both Chase and the XXXX  sent responses saying they could not reach the hotel. Chase reversed the reimbursement. I immediately called Chase and asked for the evidence they collected from the hotel. They could not provide anything. A representative recommended I report it as fraud. On XX/XX/2022 I received a call from Chase saying they could not reach the hotel and had been attempting to for weeks. This representative stated the charge would not be put back on my account. On XX/XX/2022 I noticed the charge was back on my account. I called Chase to file a complaint, giving the details above for the XXXX time. I have proof that I was not in XXXX, Washington in XXXX. Chase is siding with a merchant who has no valid documentation of a no-show because that reservation was never made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Fidelity National Information Services, Inc. (FNIS)
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:
This consumer reporting agency, XXXX XXXX XXXX and Chex Systems is reporting inaccurate, outdated, or invalidated information on my consumer file.

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 2023-11-12
Company: Experian Information Solutions Inc.
State: PA
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:
This is NOT a duplicate report and this not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights according to 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. 


Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Furthermore, please provide the following : 1.The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3.The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. 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 2020-11-10
Company: Bread Financial Holdings, 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: Account information incorrect

Complaint:
I have attempted to reach out to the vendor regarding my balances and claims my balances was reported correctly but it is not updated on the 3 reporting agencies yet. I have contact the 3 credit reporting agencies and indicated balances reported have not been updated since XXXX. By my balances not correct is effecting my credit score. Please review and update information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: LA
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am refiling this complaint to TRANSUNION for allowing the fraudulent accounts on my credit report. I filed an FTC report, with the identity theft report number XXXX. 
As I checked my credit report these fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy and CFPB rule on medical collection.I have again attached the FTC report together with the letter of explanation for the reasons why these accounts should be corrected or deleted from my files.

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 2023-07-06
Company: EQUIFAX, INC.
State: IN
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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX Account Ending in XXXX needs to be deleted. Wrong Information. 

Trans Union Reports Date Of Last Activity XXXX XXXX Reports Date Of Last Activity XXXX XXXX Reports Date OF Last Activity XXXX How can all XXXX Bureaus have different Dates. My credit report should be 100 % Correct. Please delete XXXX Account XXXX. XXXX 

Trans Union has account XXXX " Last Verified '' on XXXX XXXX and XXXX " Last Verified '' Shows " Nothing '', how can this be especially since I have sent them letters requesting them to investigate this account that is wrong, it comes back " verified '' yet nothing in the account was Updated. This is illegal and against my rights. It means it was never investigated. 

XXXX Account ending in XXXX needs to be deleted. It was never investigated or fixed, by all XXXX bureaus and it is past 64 days til today. Way past the 30 day mark to correct these errors. 

I have attached proof of myself as well as credit report showing these errors. 


Also My Name is XXXX XXXX. This is My ONLY NAME. I have Corrected this Several Times on my credit report and Invalid Names keep showing. 

Wrong Names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX... etc These Names are all Wrong. 

Correct Name and Only Name is : XXXX XXXX. Please Correct my name

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 2023-11-12
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: Account status incorrect

Complaint:
In accordance with fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under usc 1681. I told Experian, XXXX and XXXX to reinvestigate these accounts name and number is : 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 However ; they stated everything was complete and accurate but how is that possible if the open account dates, date of last activity and much more is incorrect, usc 1681 : ( 5 ) they are supposed to modify accounts that are not reporting correctly. 15 usc 1681 section 602 states I have the right to privacy,15 usc 1681 sec,604 a, Section 2 : it also state a comsumer agency can not furnished an account with out my written instructions. 15 usc 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has responible cause to believe that the information is inaccurate. I am not liable for this debt, with these account. I do not have a contract with these accounts, They did not provide me with the original contract as I requested.

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 2023-11-16
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, 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

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Your Agency has furnished the records ( see attached ) to the following XXXX XXXX XXXX Transunion, XXXX and XXXX. I have also filed previous complaints regarding the erroneous reporting accounts. You have previously been notified through these agencies regarding my dispute. Your agency has failed to be in compliance with the Fair Credit Reporting Act. Under this act your agency have failed at its duties pursuant to 15 USC 1681s-2 ( b ), 15 USC 1681s-2 ( a ) ( 1 ) ( A ) 15 USC 1681s-2 ( a ) ( 1 ) ( B ) The these continuusly reporting of the folowing acconts. XXXX ( XXXX ) - ( XXXX ) XXXX, XXXX XXXX XXXX  ) - ( XXXX ) XXXX, XXXX ( XXXX ) - ( XXXX ) XXXX make your agency prone to suit pursuant to 15 USC 1681n and 15 USC 1681o i will also XXXX damages. To avoid any further actions I request that you Delete the accounts from Transunion, XXXX and Transunion within XXXX days of this complaint.

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 2022-12-13
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a new credit card account in order to buy my son new school clothes in XX/XX/XXXX. I spent XXXX XXXX The first payment was due XX/XX/XXXX. I sent the payment late on the XXXX. It was for XXXX XXXX I understand there is a late fee with interest. However, the check was not deposited to their account until XXXX! almost a full month after sending the check! Ive also since then made the interest payment of XXXX $ now my bank account has been XXXX  up ever since their XXXX and they keep on charging me! When I called and had the girl guarantee me It was all they needed to not charge me again! This isn't right! this is robbery.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-17
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:
On XX/XX/2022 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 30days 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 non-monetary relief
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 no knowledge of this account

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 2022-02-17
Company: Experian Information Solutions Inc.
State: PA
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 was a victim of identity theft. I sent Experian, XXXX, and XXXX my FTC report on XX/XX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by 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 explanation
Consumer complaint received 2023-11-12
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In early XXXX, I entered into a forbearance under the CARES Act where I was allowed to postpone my mortgage payments for a duration of up to a year due to XXXX hardship. 

However, after attempting to exit my forbearance and make a payment plan, as stated under the XXXX XXXX, XXXX Mortgage refused my payment plan and demanded payments in full. When I would try to apply for the payment plan, they would use every excuse possible on why I didnt qualify and instead tell me that I owed them over $ XXXX as a one time payment. 

During this process, I still continued to make regular monthly payments to cover my mortgage, including during the months of XX/XX/XXXX to XX/XX/XXXX. 

However, since the XXXX XXXX states that a mortgage company can not mark forbearance periods as late payments, XXXX Mortgage decided to work around this by instead counting the payments I would make towards different months. For example, the payment I made on XX/XX/XXXX would instead be applied to the XX/XX/XXXX payment, even though the payment was made by me towards the XX/XX/XXXX payment and not the forbearance amount, as that was under a XXXX XXXX application. 

They are currently reporting to my credit bureaus as my payments being late from XX/XX/XXXX to XX/XX/XXXX. I did make payments during these months and these payments were the exact payment amounts that were agreed upon. I was not late on my payments during the months reported. 

I submitted a dispute to Experian with the exact above information, but Experian did not update my information even after attaching the transaction history that shows I submitted payments for those months.

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 2022-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX a fraudulent checking account was opened in my maiden name. I contacted capital one for assistance and the rep was very rude and would not help me. I went online and wrote a review on XXXX and someone called me back and closed the account. A few weeks later, my online account access was suspended. I have spend at least 12 hours of my life on the phone with capital one and they just pass me off to other departments with no one able to help me. They say they can not take payments over the phone due to some sort of internal error on my account. They had to start resending me paper statements and I had to order checks to pay them now since no one can seem to figure out why my online access is suspended. Again today I was bounced from department to department given different information each time by each rep and I still can not log in. All I want to do is be able to sign into my account and pay my bills.

Company response to consumer: Closed with explanation