BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
Company: LEXISNEXIS
State: GA
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. 

Account name : XXXX - Following too closely, driving on wrong side/wrong direction Account name : XX/XX/2022 - At Fault Bodily Injury Accident Account name : XX/XX/2022 - Following too closely, driving on wrong side/wrong direction 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had Consumer loan to fix my XXXX. I paid the entire loan on time, but they erroneously placed a retroactive amount of {$1600.00} on my record. They were automatically debating my checking account and they had the control.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-11-15
Company: Experian Information Solutions Inc.
State: PA
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 delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: In progress
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to freeze my account with Experian Credit via their website which I have done in the past. I was told my login info was incorrect. I requested to reset my password but the verification to do so has a different phone number which is not mine. I have had the same cell number for 30 years which is the number I use 100 % of the time. I have tried calling 3 different customer service numbers for Experian which after trying every possible combination to speak to a live agent has failed. There is no option to speak with someone live and the advice is to login to my account. They will only give me instructions on how to do so which I can not because I can not identify myself per the wrong number. This is extremely frustrating and worrisome of how any of my info has changed. I need your help to be able to contact someone to get this ironed out. Please contact me with any questions. Thank you in advance for your help!!

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 2021-12-10
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS XXXX XXXX XXXX NOTICE " I AM NOT AN ATTORNEY NOR AM I A THIRD PARTY! '' I am filing a CFPB COMPLAINT BECAUSE IT IS MY LEGAL RIGHT TO DO SO!!! 
I was recently WAS OUT OF THE COUNTRY. I just now have got back to work. I discovered that my credit file has over 2 inquires for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I am not sure who approve this or even made these inquires. This is the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611

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 2023-12-04
Company: EQUIFAX, 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:
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 XXXXXXXX BANK XXXX. [ Account # XXXX ], XXXX XXXXXXXX BANK [ Account # XXXX ], XXXX XXXX XXXX XXXX [ Account # XXXX ] have violated my rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction. 

DELETE THESE ACCOUNTS

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 2023-02-21
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 belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance :- XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/2021 XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: U.S. BANCORP
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I saw a promotion that if I open a U.S. Bank new checking account and complete two or more direct deposits within 60 days of opening your account that total : {$3000.00} to {$5900.00} I will get rewarded as {$300.00}. The promotional Code is XXXX. 
I made more than total amount of {$3000.00} and two or more direct deposit soon after I receive my bank information te deposit, they don't give the money. 
I've already contacted them about this issue but they just told me to wait for the investigation result ( they said it'll be taking a 7 business days ), but they didn't answer me back after that. One again I contacted them and they asked me to wait another 3days, they didn't answer me back either. So I've come up with to report this issue to CFPB. 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 2023-07-14
Company: Experian Information Solutions Inc.
State: GA
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2022-11-20
Company: Experian Information Solutions Inc.
State: AZ
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 following items need to be removed and blocked as they are fraudulent. 
XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/2007

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 2022-11-19
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:
checking my file I've noticed a lot of invalid information on my transunion credit report. I am disputing all incorrect information on my credit report to help clear my 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 non-monetary relief
Consumer complaint received 2021-10-11
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I had a XXXX credit card with a promotion to pay no interest for a year. In XXXX I decided to pay it off, so I paid the account off in full, based on the statement balance on XX/XX/21. 

I had a {$29.00} returned check fee and a {$2.00} charge for interest on XX/XX/21, that didnt appear until my XXXX statement, because I thought it was paid off, so I did not look at the statement since it would have been XXXX. That statement had the returned check fee from XXXX. They then sent another statement for XXXX, and I opened that because I wondered why I was still being sent statements with a XXXX balance. That is when I realized that when I changed bank accounts, the timing must have conflicted with the auto-draft, and that is why the returned check happened. 

I paid well in advance of the total balance on XX/XX/21 that is due in XXXX to fulfill the advertised promotion of no interest for a year, so I feel I was taken advantage of by confusing advertising and then XXXX late charge showing up in a XXXX statement, so I called to see if they would reverse it and they would not. Trying to establish credit with banks that prey on younger customers that are not as financially savvy. I escalated the call twice and they kept quoting policy instead of working with me since I paid so much off early. I feel this bank is only concerned about their profits and not doing the right thing. I am learning the interest free advertising is deceptive, not fair and an easy trap with loopholes so they can make a lot of money in fees, even when the customer is trying to do the right thing. This bank obviously built this product to prey on customers through multiple ways to get more fees and interest through the lifecycle of the promotion. It is not designed to help customers finances, but is designed to charge extra fees. I called XXXX XXXX when a payment did not go through when I changed bank accounts ( same time as the above ), and they gladly refunded me the fees without any hassle. 

Although I will hit many feedback sites with my warning about XXXX and Comenity based on their confusing and deceptive advertising and non-caring customer service, I am asking the Bureau to investigate this product and the amount of fees that customers are being charged to determine if this is a legitimate product to help consumers, of if it is a deception that preys on lower FICO customers in order to charge extra fees and that only put lower-income folks in financial trouble especially when job losses due to COVID probably cause most of the issues with repayment, like in my situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: MA
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:
XXXX XXXX routinely makes me wait one week after I make my payment to post my payment to my account, however they get their money right away. I made a {$90.00} payment on XX/XX/21 and today, XX/XX/21 they reported me as late to credit reporting agencies, lowering my credit score by XXXX points. How can they get away with this? What can I do? This seems so XXXX criminal its not even funny.. I know they love people with low scores so they can charge a higher interest rate please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX opened a fraudulent savings account in my name. After learning of the fraudulent savings account I am mediately froze my three credit bureau reports and contacted the credit union. Someone from their staff informed me that the information would be removed from my credit file and that they had received the dispute from the credit reporting agencies. Shortly following the conversation with one of their representatives I received a letter from the credit reporting agencies telling me that the information was verified. I attempted to contact them again but to my avail no one would return my phone calls after being transferred to numerous voicemails. 
Finally I spoke with someone in their freight department who had informed me that once again they had received my dispute from the credit reporting agency but they would not remove the account because they acquired my ID. Additionally I asked what was causing the balance on the account and they informed me that it was a fee. I asked them if they could remove the fee to have the information removed from my credit report because it is reporting negatively. They are refusing to remove it from my credit report because they say they are saying the {$30.00} fee is in another department even after I explain to them that I was not the one to open the account. They have refuse to delete the account from my credit report although I have submitted FTC reports along with a police report to them and the credit reporting agencies. They told me that my police report was insufficient and that I needed to come to Kentucky although I live in Ohio and traveling to Kentucky would not be an option. I have never done business with them and did not authorize the opening of the incorrect account on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Late payments being reported on my credit report that's almost 4 years old. Needs to be removed as this is being reported and technically against the law. Please look below at 15 U.S.Code 1681a ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 


( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated In the exclusions it says in ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions and experiences are meaning that of transactions and payments history

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