BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: NY
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:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Over thirty days ago, I wrote to each credit reporting agency ( XXXX Equifax, & XXXX ) indicating my dispute off information on my credit report on XX/XX/XXXX. A copy of the original letter accompanies this correspondence. as of today XX/XX/XXXX XXXX, Equifax, & XXXX have not responded to my dispute and therefore they must remove from my credit file all information disputed in correspondence. under the FAIR CREDIT REPORTING ACT, XXXX, Equifax XXXX & XXXX had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from XXXX, Equifax, & XXXX. I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to me as proof that these items have been removed completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-03-24
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
1. I recently applied for a credit card from by bank. My application was rejected citing that I had no score and my credit was too new.

2. I received an email from Experian today ( XX/XX/2022 ) informing me that I no longer have a FICO credit Score from them.

3. I-asked why and the person I was speaking to explain why the company refuses to assign me a credit score.

4. All of my account listed with Experian are excellent payment and credit histories. Never late and no balances. They're all paid prior to their due dates, monthly.

5. Experian 's refusal to assign me a accurate credit score is damaging my ability to operate in commerce and denies my rights.

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 2023-12-11
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 is missing that should be on the report

Complaint:
XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This debt collector XXXX has not provided me proper debt validation for this aged debt. Please delete this from my 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 2023-12-11
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX This debt collector has not provided me proper debt validation for this aege debt. Please delete this from 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 non-monetary relief
Consumer complaint received 2021-07-09
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/21 I made a purchase at XXXX on XXXX XXXX XXXX in XXXX. The sales associate asked me if I wanted to get a rewards card that can be used only in the store to accumulate points. I repeatedly told him I did not want a credit card and confirmed by direct question that it was in fact not a credit card. He assured me multiple times that it was not a credit card but rather a rewards card. We had this back and forth numerous times. After I applied for this reward card, I handed him my own credit card to make the purchase. Subsequently, I learned that a Mastercard had fraudulently been opened in my name when I received a bill and that my own credit card that I handed him was never charged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: CIBC BANCORP USA INC.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I've applied for a mortgage loan with CIBC Bank. I have been discriminated against on the basis of XXXX. There has also been discrimination, as it relates to my credit score. I filed a complaint with the bank, and no one has reached out to me. I've provided all requested items to the underwriter, and she will not clear my file to close. Each time I provide what has been requested, then she request additional items. The purchase price of the home is {$320000.00}. The Director of Underwriting, XXXX XXXX, stated that he was irritated with my loan. My file is approve/eligible, and I have the cash to close ; however, XXXX XXXX XXXX and his underwriter XXXX XXXX will not clear my file to close. I will be homeless in the next few days, as my apartment has been rented. I've expressed this to the bank, and it has fallen on XXXX XXXX. This bank 's discriminatory underwriting practices are blatant. They have already had a loan officer to leave, due to the fact of how minorities are treated, and discriminated against when applying for loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Today XX/XX/2022, I received a notification that my credit score went down on Experian, I logged into my account and do not see what company had reported something on my account. So I called Experian customer service phone number and I verify my information and I asked the rep if she can tell me what was the change on my account that made my score go down from XXXX to XXXX and the rep told me she cant give me any information and I need to hire or pay a Financial institution to get information about my credit report. I told her I was going to report the agency and put it up on social media because I cant believe that you are tell me I have to hire someone to get information about my credit report. I later found out that a company that I took a personal loan reported something on my account as derogatory on my credit after I resumed paying off the loan that I took out.

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 2019-03-24
Company: Santander Consumer USA Holdings Inc.
State: NY
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:
Corporations and financial institutions, Credit card company that was closed out after debt Was satisfied and continue to false reporting to the three credit agencies, XXXX, XXXX and XXXX, 1.  XXXX visa credit card not belongs to me and was on the reporting since XXXX or Before account closed still reporting,. 
2. XXXX XXXX XXXX false reporting after debt was set off. 
3. XXXX XXXX located Texas carried out wrongful Grand Thief Auto without any Warning or notice after debt been set off back in XX/XX/XXXX. 
4. Few inquiers like mortgage loans which does not belongs period and other inquiers And we write them many letters and they come off one month and sneak back on the next month and refuse to validate the debt as we reach out many times. Paid credit repairs Company only to continue capitalizing XXXX from us and my good credit score of XXXX is now In the XXXX 's score due to all false reporting. I am the real party creditor file XXXX with Department of state which now have full faith and credit by the state and if the three credit Bureau continue to give false reporting their should be lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I have provided extensive documentation, including a Federal Trade Commission ( FTC ) Identity Theft Report and other supporting evidence, clearly demonstrating that these accounts are a result of identity theft. Yet, my claims have been summarily dismissed without proper investigation or resolution. I am writing to express my extreme frustration and disappointment in the way my identity theft dispute has been handled by your bureau. It has been an unreasonably long and arduous process, with repeated denials despite the clear evidence I have provided. I have provided extensive documentation, including a Federal Trade Commission ( FTC ) Identity Theft Report and other supporting evidence, clearly demonstrating that these accounts are a result of identity theft. Yet, my claims have been summarily dismissed without proper investigation or resolution. XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX.

Company response to consumer: In progress
Consumer complaint received 2022-11-09
Company: EQUIFAX, 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:
My name 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 explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: AZ
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
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. 
I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  CA XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$620.00} XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXXXXXX Balance Owed : {$230.00} XXXX XXXXXXXX Balance Owed : {$26000.00} XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX Balance Owed : {$27000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} However, they stated that everything was completed 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 supposed to modify that isnt reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section604 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 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
Consumer complaint received 2021-07-01
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 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 sent multiple letters to experian in regards to unauthorized inquires om my credit report. They have failed to investigate and delete the inquires. They continue to igmore me and im stressed. I am giving Experian authorization to investigate the unauthorized inquires and provide me proof that these are infact mine. I will not accept a caned response of they recieve this info from the creditor. It is the credit agencies job to provide proof of the erroneuos inquiry, I demand these inquires be delete now or i will seek legal action.

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 2022-11-09
Company: Bread Financial Holdings, Inc.
State: VA
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:
For over a month I have been unable to log into my account at XXXX : XXXX Every time I try I get an error referencing a technical glitch. 

This also happens when I try to reset my password. I am certain I am using the correct username. 

I have tried logging in from the app and on a web browser. 

Last month I was able to pay using the easy pay feature but today I can't even log into that. 

I am currently in the position of not knowing my balance, when my payment is due and without any means to make a payment. 

I can not send a message to the company unless I am logged in, which I can not do, and it is difficult for me to make a phone call. 

In a web search for a solution to this problem, I see complaints regarding this technical glitch spanning the past several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: American Credit Acceptance, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Applied for loan with American acceptance credit abd was denied but they are reporting that I have loan. I have denial letter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07
Company: Ad Astra Recovery Services Inc
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent a professional letter on XX/XX/XXXX.The only response I've received from them was a sample letter, including the loan application and bill for payment. I've also called three times and left messages with no response. The only time I did talk to someone, they were extremely rude and still would not answer any of my questions. However, they are still negatively report on my report. Below is a copy of my letter : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX AD ASTRA RECOVERY SERVICE XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, KS XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX To Whom It My Concern : I am writing today concerning derogatory reports on my credit report. According to my credit report ; one account in is the amount of {$2500.00}, and was opened on XX/XX/XXXX. The other is in the amount of {$980.00} and was opened on XX/XX/XXXX. The latter was five years ago! I am concerned with these reports for several reasons. First, there should be only one account for XXXX XXXX, opened in XX/XX/XXXX/XX/XX/XXXX. Why are there two accounts, four years apart? Second, the one account should have been written off as part of my bankruptcy back in XX/XX/XXXX. Therefore, there should be NO account from XXXX XXXX still on my credit report. Furthermore, when the other account was opened in XX/XX/XXXX, why was I never contacted? My phone number has not changed and my address has been forwarded. I could have cleared up this mater a year ago! These derogatory reports are preventing me from obtaining a first home owners loan, even though my credit score and other accounts are in good standing. I would like both these XXXX XXXX accounts to be removed from my report immediately! If you refuse to do so, I will be happy to inform present and future clients just how XXXX XXXX and Ad Astra Recovery Services regard their clients. Apparently, customer service is not important to you. If I need to file a report with the XXXX XXXX XXXX also, I will do so. Thank you for your time. I am looking forward to your response before XX/XX/XXXX. 


Sincerely, XXXX XXXX CC : XXXX XXXX Corporate Office

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, 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 last of account below has violated my federally protected consumer rights to privacy and confidentiality under is U-S-C- 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX account number # XXXX Name= XXXX XXXXXXXX account number # XXXX Name= XXXX XXXX account number # XXXX Name= XXXX XXXX account number # XXXX Name= XXXX XXXX XXXX XXXXXXXX Name= XXXX XXXX # XXXX Name= XXXX XXXXXXXX # XXXX Name= XXXX XXXXXXXX # XXXX Name= XXXX XXXXXXXX # XXXX Name= XXXX XXXXXXXX XXXX # XXXX Name= XXXX XXXX XXXX XXXX XXXXXXXX Name= XXXXXXXX XXXX XXXXXXXX # XXXX Name= XXXX XXXX XXXXXXXX Name= XXXX XXXX XXXX XXXX Has violated my rights.. 

15 U-S-C 1681 Section 602 A- Stat 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 instruction. 
15 U-S-C- 1681 C- ( A ) ( 5 ) Section state : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other advice item of information, other than records of conviction of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation