BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-15
Company: Bread Financial Holdings, Inc.
State: CA
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, COMENITYBK/XXXX XXXX # XXXX ) has violated my rights. Under 15USC 1681 Section, 602 states i have the right to privacy.

15UAC 1681 Section 604A section 2 : It also stated that consumer reporting agency can not furnish an account without my written instructions Under 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: DE
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX  XX/XX/2023, XXXX XXXX XXXX : {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
Consider This Complaint as a Follow-up to my previous complaint. My previous Complaint contains these fraudulent items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-04-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a bill on my credit from XXXX from 2019. I never had XXXX services of any kind in 2019. I have been trying to get this removed from my credit. I have disputed over and over again with Experian. XXXX deleted it off of my credit. The bill is not even in 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 explanation
Consumer complaint received 2023-03-19
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX-23 submitted for my 2023 Costco Cash Rewards to be redeemed via the offered electronic transfer option to my bank account. The transfer of {$300.00} was to take place within 3-5 business days but as of today, XXXX-23, has not transpired. Multiple phone calls and conversations with Customer Service Reps and Supervisors have ended with no resolution. In one conversation on XXXX-2023 there was to be an inquiry/investigation with a phone call within 7-10 business days which also did not occur. My last conversation with a Customer Service Supervisor basically ended with him saying he has no information or updates.

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 2023-04-15
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: Personal information incorrect

Complaint:
Dear Sir/Madam, I am writing to file a complaint against EQUIFAX, a credit reporting agency, for violations of the Fair Credit Reporting Act ( FCRA ). EQUIFAX has reported false personal information and information not related to my legal identity, specifically, my legal name, is incorrect.

The FCRA mandates that credit reporting agencies maintain accurate and complete information about the individuals whose information they report. Under section 607 ( a ) of the FCRA, credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. On XX/XX/2023 ( today ), I obtained a copy of my credit report from EQUIFAX and discovered that my personal information was incorrect. Specifically, my legal name is completely incorrect. This error by EQUIFAX has led to reporting information not related to my legal identity. 

Section 607 ( b ) of the FCRA, 15 U.S.C. 1681e ( b ), states that credit reporting agencies must use reasonable procedures to ensure maximum possible accuracy of the information they report. Despite this legal obligation, EQUIFAX has been reporting information not related to my legal identity, including credit accounts and delinquencies that do not belong to me, causing harm to my credit score and stifling my financial opportunities. As evidence to my complaint and to verify my identity, I have attached a copy of my government-issued driver 's license. 

As you are aware, 15 U.S.C. 1681g ( a ) ( 1 ), requires that credit reporting agencies provide consumers with access to their credit reports and investigate disputed information within a reasonable period. Furthermore, section 610 ( b ) of the FCRA requires credit reporting agencies to investigate any disputed information and make necessary corrections or deletions. I am therefore appealing to the CFPB to take immediate action and require EQUIFAX to investigate this inaccuracy in my legal name and remove all incorrect personal information and any information related to the incorrect personal information from my credit report. I also request that EQUIFAX conduct a thorough investigation into the accuracy of my credit report and provide me with a copy of the corrected report within 30 days. 

I am looking forward to a prompt resolution of this matter. Please let me know if you require any additional information from me. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: LEXISNEXIS
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:
my XX/XX/XXXX Lexis Nexis report is WRONG ( see attached ). 
XXXX XXXX XXXX XXXX laced my Lexis Nexis report with false entries with ( fraud & violation of FCRA ). 
I do not own XXXX XXXX 
I do not have insurance XX/XX/XXXX thru XX/XX/XXXX on XXXX XXXX 
XXXX XXXX FRAUDUENTLY LACED MY LEXIS NEXISW CREDIT REPORT WITH FALSE ENTRIES and they are accountable to DELETE XXXX XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: TRANSUNION INTERMEDIATE 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: Personal information incorrect

Complaint:
Re : Complaint Against TransUnion for FCRA Violations To Whom It May Concern : I am writing to file a complaint against TransUnion, a credit reporting agency, for violating the Fair Credit Reporting Act ( FCRA ) by reporting false personal information and information not related to my legal identity. This complaint is being filed in accordance with the FCRA, which requires credit reporting agencies to maintain accurate and complete information about consumers. 

On XX/XX/2023, I obtained a copy of my credit report from TransUnion and discovered that my personal information was incorrect. Specifically, my name was completely incorrect. Additionally, because of this error, TransUnion is reporting information not related to my legal identity, including credit accounts and delinquencies that do not belong to me. This false information has caused harm to my credit score and has led to denials of credit and better financial opportunities. To verify my identity, I have attached a copy of my government-issued driver 's license. 

TransUnion 's reporting of false personal information and information not related to my legal identity is a clear violation of the FCRA. Section 607 ( b ) of the FCRA, 15 U.S.C. 1681e ( b ), mandates that credit reporting agencies use reasonable procedures to ensure maximum possible accuracy of the information they report. Furthermore, section 610 ( b ) of the FCRA requires credit reporting agencies to investigate any disputed information and make necessary corrections or deletions. Finally, section 609 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681g ( a ) ( 1 ), requires that credit reporting agencies provide consumers with access to their credit reports and investigate disputed information within a reasonable period. 

I am requesting that the CFPB take immediate action and require TransUnion to investigate this inaccuracy in my name and personal information and remove all incorrect personal information and any information related to the incorrect personal information from my credit report. I am also requesting that TransUnion conduct a thorough investigation into the accuracy of my credit report and provide me with a copy of the results of this investigation within 30 days. Finally, I am requesting that appropriate enforcement action be taken against TransUnion for its failure to comply with the FCRA. 

Thank you for your time and attention to this matter. Please let me know if you require any additional information from me. 

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 explanation
Consumer complaint received 2023-04-15
Company: Experian Information Solutions Inc.
State: NC
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 XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-04-15
Company: Experian Information Solutions Inc.
State: NC
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 Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Fraudulent hard credit inquiries on my credit report

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 2023-11-01
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Threatened to sue me without summons, clear violation of fdcpa, I called and they immediately try to ask about me paying meaning they havent sued meaning they threatened me without summons, from a debt which is over a couple years old

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15
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: Their investigation did not fix an error on your report

Complaint:
The Consumer Reporting Agency, Experian, did not use reasonable procedures to assure maximum possible accuracy of my consumer report as it relates to the above-proven inaccuracies, which is a direct violation of the Fair Credit Reporting Act.

15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

The investigation did not verify the accuracy and completeness of the accounts. Experian violated the law and failed to provide the required information in their initial response on, XXXX

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 3 ) ( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.

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 2023-04-15
Company: PACIFIC PREMIER BANCORP, INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was mailed a refund check from a lawyer for unused services. The check never arrived. I contacted the law firm, who showed me a copy of the check that had been fraudulently cashed. I notified the law office and the postal inspector of the undelivered mail. The lawyer says that his bank will not cover the check and refuses to write a new one. I have sent an affidavit to the law office explaining the fact that I never received the check and did not cash it, but still, they refuse to replace the stolen funds. My claim number with the US Postal Sevice is XXXX. The check was dated XX/XX/2022. The check was mailed on the XXXX of XXXX. The letter containing the check appeared in my informed delivery from the US Post Office on XX/XX/2022 but the letter never came in the mailbox. The check was later cashed with an unreadable endorsement on XX/XX/2022. I have a copy of the check. I have the informed delivery from the USPO. The check was written on Pacific Premier Bank Account located at XXXX XXXX XXXX XXXX in XXXX XXXX CA. My former attorney said that his bank will not credit his account for a check that has been cashed eventhough it was fraudulently cashed. Without the bank refunding the check, my lawyer, XXXX XXXX, refuses to write a new one. What do I do? 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Nelnet, Inc.
State: MS
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 this creditor has violated my rights. 
-Under 15 USC 1681 section 602 states I have the right to privacy.

-Under 15 USC 1681 section 604 section 2 states a consumer reporting agency can not furnish an account without my written instructions.

-Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted discover bank in XXXX XXXX XXXX, utah branch via letter on XX/XX/2023 to make them aware of what their parent company discover bank out of XXXX  XXXX, ohio sent me as a 1099c form which is a cancellation of debt. also they mark box 6 on the IRS 1099c form that with a decision or policy to discontinue collections. it clearly say it on the 1099c form they filed with IRS, in other words that became taxable income for me. I remember reading some where that the FCRA says that income is not debt and can not be reported to any credit agency at all since income is not consider debt. I sent discover bank in XXXX XXXX XXXX this exact document to back up my claim, they relied with a bogus letter they seem to be playing games even after i gave them Real proof. I have attached the required documentation that they need to remove this inaccurate item from my experian credit report, Please help me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15
Company: FIRST NATIONAL BANK OF OMAHA
State: PA
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:
Placed two charges on my FNBO credit card for a beach front rental property for the week of XX/XX/XXXX thru XX/XX/XXXX. The first charge was in XX/XX/XXXX for {$1900.00} and the second was on XX/XX/XXXX for {$2900.00} We arrived at the property and had nothing but continuing issues. The issues ranged from the Air conditioning not working to the stove and oven not working. Additionally despite an extra charge for cleaning there lazy suzan was full of dirt and some kind of liquefied mess. The portable air conditioners brought in soaked the carpeted floors and caused additional problems. 
Despite all of these issues at no time did the rental agent offer us a different rental property. Something that is stipulated in the lease agreement when the property becomes a problem. 
Upon my return home I contacted XXXX to get a refund. What they offered was {$400.00} which I rejected. My next step was to dispute the charge with my credit card company. 
The dispute was made an in XXXX I received a letter that my dispute could not be honored. FNBO gave as it's reason that according to Visa if you stay for the entire rental dates no refunds are issued. 
Based on this I contacted Visa and received an e mail that they have no such policy and refunds are the discretion of the card issuer. 
Since then I have been going back and forth with FNBO. I requested documentation about this policy and also tried to explain that short of returning home we had no other place to go. There were 8 adults and XXXX children using the house

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 2023-04-15
Company: Experian Information Solutions 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:
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 USC 1681 XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 non-monetary relief