BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: Genesis FS Card Services, Inc.
State: CA
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:
On XX/XX/2022 I attempted to make a purchase through XXXX for {$80.00} using a Milestone credit card issued in my name. After the driver for XXXX delivered to the wrong address, he insisted I was somehow trying to fraud XXXX and reported me as a scam. XXXX immediately canceled my account and sent an email stating they had not charged my credit card. Milestone  from Genesis XXXX, XXXX Oregon, however charged the {$80.00} to the account as a purchase on XX/XX/2022. I called customer service and asked for a refund to my account and the operator said that there was nothing to refund as the transaction had not occurred. I informed her that my online account statement showed the purchase and of course my limit showed the same. She assured me that everything was fine and not to worry, it would take up to 72 hours to show up on my account. I checked my account again on XX/XX/XXXX and it showed not only the charge had not been reversed but they decided to institute the annual service fee to assure that the account would be overdrawn. A second call on XX/XX/XXXX was met with a similar response and to not worry about the overage fees or even the original {$80.00}. Today is XX/XX/XXXX and I still am seeing the same account balance. I contacted XXXX and they claim to not have received the {$80.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX XXXX, and I am DEMANDING that you take immediate action regarding my CFPB complaint. Despite submitting a complaint earlier, I am appalled to see that the fraudulent accounts and information STILL exist on my credit file. The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX are UNAUTHORIZED, and I DEMAND that you remove them immediately as required by FCRA 605B ( 15 U.S.C. 1681c-2 ). I expect that you will take swift action and provide me with a written explanation of the steps you have taken to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Numerous times I have contacted Comenity to get assistance in restoring my online access as I have been locked out. All the agents do is send me a generic link to the main page and tell me to log into my accountas if I havent already done that twenty times before. Its been two months of me attempting to contact them to restore my access and all I get is the run around. Now I have no access to my statements and keep getting late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: NY
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. I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate. I ask that you immediately delete the unauthorized Inquiries outline above. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above-listed address. If your investigation determines the inquiry was authorized. I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. I've listed the unauthorized inquiries below. XXXX XX/XX/2022 and XXXX XX/XX/2022. Please delete these unauthorized inquiries ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2021-01-07
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: Account status incorrect

Complaint:
on XX/XX/2021 I called Transunion in order to figure out why it is giving me an error about disputing online. I speak with a few agents who were confused and sent me to their supervisor. I spoke with A supervisor by the name of XXXX his transunion employment number is XXXX. He specifically told me I can not dispute any collection or chargeoff online. Then he told me I should call the dispute department who should be able to do it. But when I call them they immediately send me to special handling in which they told me my file is good and should be able to dispute. I have been on the phone for 5 hours with three different departments consecutive times and no one can identify why I cant dispute on the phone or online. Please give me some help or correspondence to get this corrected.

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 2023-04-10
Company: Experian Information Solutions Inc.
State: WI
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$1600.00} ; XXXX XXXX XXXX Balance : {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; 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

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 2022-10-12
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:
Complaint Summary : On XXXX, XXXX I received my credit report from Experian Credit Bureau. I pay attention on unauthorized charges from XXXX XXXX XXXX XXXX XXXX XXXX XXXX account which for some reason was opened on Saturday XX/XX/XXXX without my authorization. ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, CA XXXX. I never been a customer of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, do not received any correspondence or legal bills. I did not used any services, didn't open any accounts or credit card from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and didn't authorize anyone to do so on my behalf. Also according Legal Protection, my Credit Report is Freeze and Locked from XX/XX/XXXX to provide any requests for any financial companies in XXXX XXXX Credit Bureaus. On XXXX, XXXX I have contacted with Experian Credit Bureau regarding this accident for removing unauthorized charges XXXX XXXX XXXX XXXX / XXXX XXXX from my credit report but for some reason XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX denied my legal request. Please see attached files including XXXX police report XXXX. Thank 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 non-monetary relief
Consumer complaint received 2022-10-12
Company: Resurgent Capital Services L.P.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am formally asking LVNV Funding to Cease and Desist communication in regards to this alleged debt that is negatively impacting my credit report. I never gave XXXX funding permission to communicate with me as a consumer or to communicate with me through any medium regarding this alleged debt. The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. My consumer report is in fact a medium in which is being communicated in regards to this alleged debt. My consumer report is in fact my reputation and my deputing is being hurt by something negatively reporting on there. I do not owe this alleged debt and all forms of communication needs to be ceased immediately. See attached letter for full information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: VA
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2021-01-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Upon pulling my credit for a purchase in the near future, I notice an inquiry that I never authorized. I have made several attempts to try to rectify this issue with this company. They have not addressed this issue. This inquiry has effected my my credit score. I take great pride in my stellar credit, which I have toiled relentlessly to get to this point. Please remove this unauthorized inquiry from my 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 2023-11-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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:
Contacted company multiple times starting on XXXX through XXXX with no resolution. Company states they have resolved the issue ( see their response below to last complaint ) however, as of today ( XXXX ) I am still unable to access my information via their website getting the same error message ( see attached ). I've emailed them directly with information to verify my identity and they will no respond. FIX THIS. 

Company Response On XXXX : It is our policy to take each complaint seriously and to respond to complaints swiftly. Your complaint appears to be related to your myEquifax account access. We have completed the review of your online account at www.myequifax.com and we are happy to let you know that the login issue you experienced has been resolved. Please log in using the password associated with your myEquifax online account. If you do not remember your password, please select the " Need Help Signing In '' link under the password field. This will allow you to do an account recovery and update your password if needed. If you experience any issues, please contact our consumer care department at XXXX between XXXX am XXXX am, 7 days per week. We sincerely apologize for any inconvenience this issue may have caused. At Equifax we want to ensure that all of your concerns are addressed ; if you still have questions or require further assistance you may call XXXX ( XXXX ), or send an email to XXXX. You may also visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Recently, I received a copy of my credit report and found several fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) but, I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes " inaccurate information '', which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My financial information has been compromised since approximately XX/XX/23 and continues through the filing of this report. This has been primarily in the form of unauthorized stock sales through transfer agents and mutual funds accounts, fraudulent credit card transactions and transfers from my checking account. In addition, merchant accounts have been invaded attempting the purchase of goods and services. 
These same parties also successfully gained access to the on-line cloud backup to some of my computer files, many of which contain sensitive data and personal credentials. 

Despite actions taken to further secure my information through account freezing, two factor authentication and reissuance of credit cards, the fraudulent activity continues daily. A new bank account is being set up and new e-mail addresses are being set up. It is unclear as to whether any of this will solve this extremely serious and illegal activity. 

My e-mail address has also been captured resulting in filtering certain senders and changing voice mail settings to direct calls to unfamiliar phone mail providers.

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 monetary relief
Consumer complaint received 2021-01-07
Company: EQUIFAX, INC.
State: CT
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:
This is my third CFPB complaint to Equifax to resolve my issue of a split file. I have contacted them on numerous occasions and made three complaints here that were all answered incorrectly by the company. My file has been split into several occasions affecting my credit score and file. If this is not resolved immediately I will be taking legal action against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
On XX/XX/XXXX, we reached an agreement for a payment plan, the payment corresponding to the month in question was made, and subsequently, the next payment was made on XX/XX/XXXX, having made the payments in time until that moment, the month of XXXX. XXXX approximately, call to make a payment extension for work problems caused by covid19 in terms of hours, they granted it to me! Giving me XX/XX/XXXX for said payment, at no time did the representative let me know that this action could cause a negative report to my credit history, when I started the plan they informed me that among the benefits I had, was the non-application of fines and that the account would be reported on time as long as it was up to date, there is no valid reason to report a late payment, if the payment was due on XX/XX/XXXX it was extended until XX/XX/XXXX, no more than 30 days late, the last payment before the plan was made on XX/XX/XXXX, therefore, after speaking 3 times where one of them the agent XXXX XXXX ID XXXX informed me that she was right! An unfair and inaccurate report was made to the credit agencies, the calls are registered and they can verify the veracity of my statements since the program began, I cordially request that this error be corrected taking into account the fair credit report law FCRA 15 USC 1681 signed XX/XX/XXXX by President XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, I reviewed my consumer reports and noticed that I had a Charge Off account from XXXX  XXXX XXXX Account number : XXXX Reported XX/XX/2022 on my Equifax consumer report. XXXX XXXX XXXX have : assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX IRS Clearly defines a Charge Off as Gross or Ordinary income, Income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate. 

XXXX XXXX Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something As Defined by The IRS. 

Late Payments Also the XXXX XXXX XXXX  is reporting Late Payments on this account. Late payments are illegal. 

XXXX XXXX XXXX ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My Transactions or experiences with your company by law are excluded from my consumer report. I need this transaction or experience deleted from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: TN
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 FRAUDULENT ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT REPORT THEY ARE INACCURATE AND ARE NOT OF METRO2 COMPLIANCE

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