BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance to 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 : CHILD SUPPORT XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX  Account number : XXXX has violated my rights Account name : XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX Account number : XXXX has violated my rights Account name : XXXX Account XXXX has violated my rights Account name : XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX  XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX  XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX  XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX XXXX. Account number : XXXX has violated my rights Account name : XXXX Account number : XXXX has violated my rights Account name : XXXX  XXXX Bankruptcy Account number : XXXX has violated my rights 15 USC 1681 section 602 A States I have the right to privacy.

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

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming 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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Since XXXX I have written several times about false information and providing 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 2023-08-16
Company: Alliant Capital Management LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debt collection agency Alliant Capital Management based out of New York has been calling me incessantly. It shows up as a pretty local New Jersey number, but when I call back it just goes to voicemail. The worst part is that they dont just call me, they also call my XXXX  which is extremely rude and annoying and unprofessional. I looked them up on XXXX and saw the reviews were riddled with nothing but 1 star reviews stating how unprofessional they are, how rude and their use of profanity and threats to everyone they call, and most importantly, they threaten or even do give out personal private information. Theyve called my XXXX  and XXXX  already and I do not need them asking or giving out any personal information. They call incessantly even between illegal calling hours. Extremely unprofessional business riddled with nothing but negative reviews should not be in practice. They did not even attempt to send anything via mail either, only calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX XXXX Credit Card Comenity Capital Bank, XXXX XXXX XXXX, XXXX, XXXX  XXXX above receives payments at : Comenity - XXXX Credit Card XXXX XXXX XXXX XXXX, XXXX, TX, XXXX I spent {$200.00} in XXXX XXXX XXXX XXXX XXXX, XXXX  in early XX/XX/XXXX. I was encouraged by the clerks to use XXXX XXXX store credit card to get discounts on purchases for my Great grandkids at XXXX. I did not have the XXXX credit card card with me. No worries clerk says, she will look it up on computer. 

I received XXXX bill in the mail, wrote immediately my check # XXXX for entire balance of {$200.00} and placed in XXXX, XXXX XXXX XXXX box myself on XX/XX/XXXX. The due date was XX/XX/XXXX, fully 1 week later. They claim it was not received, but my checking account shows it was paid XX/XX/XXXX. Clearly there is a possibility it was there on time, as Comenity has some processing time to open mail and submit a check for payment. 

In XXXX, I received another bill for a {$29.00} late payment, as Comenity claimed receipt of payment in full was on XX/XX/XXXX, not XX/XX/XXXX. I wrote another check for {$29.00} and mailed it on XX/XX/XXXX at the XXXXXXXX XXXX XXXX XXXX myself. Again, the bill was due XX/XX/XXXX and I mailed the check 10 days before the due date. On XX/XX/XXXX, Comenity, ON THE DATE DUE, printed a bill notifying no payment received and charged an additional fee of {$30.00} added it to the {$29.00} ( which was in transit ) for an immediate payment due of {$59.00}. 

Not surprising to myself, Comenity processed my payment of {$29.00} on XX/XX/XXXX now 23 days after I placed it in the mail. I suspect that it was at the correct location on time as I mailed it 10 days before date it was due. 

Today, I gave up. I called Comenity and gave them permission to draft my bank account over the phone just to get out of this SCAM. The amount I owed was {$66.00} to pay account off in full. I have paid {$95.00} in fees. Of course, I closed the account with Comenity. I do not trust this will occur, as it was over the phone and this bank seems to take every opportunity to avoid documentation of payments received. 

I am reporting Comenity Capital Bank for unfair business practices. I believe that Comenity intentionally delays receipt of payment to generate fees it does not deserve. I believe that it deliberately blames the XXXX XXXX XXXX for Comenitys business practice of insufficient staff to process PAPER checks. I demand that Comenity refund me {$99.00} in unjust fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: GA
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2023 ; XXXX XXXX XXXXXXXX XX/XX/2023 ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is my reply to your letter dated XXXX. 
You stated I was provided a copy of the " XXXX PRIVACY Policy " XXXX. 

What I did not receive was disclosure forms which by XXXX you are required to have on file bearing my signature giving you permission to transport my non public personal information. 

I am sure you can not provide the signed disclosure forms which is why you have FAILED to mention them or you simply are not informed as you should've. 

Your company should know or should have known this. 
I hope I am communicating with the employee assigned to handle Zales Privacy Issues. 


Are you up to par with firms responsibility to having assigned an employee that is familiar with the SAFEGUARDS RULES which is a RULE the LAW recently made a requirement for dealing with companies like XXXX Privacy Issues? 

Please provide signed Disclosures bearing my signature which would prove I was afforded the right to OPT in or Out of credit reporting in accordance with LAW. Please believe, I do not have a problem with your explaining to XXXX superiors why XXXX is spending {$300.00} to {$500.00} an XXXX to represent them in this matter because they can not provide signed XXXX forms bearing my signature giving my consent to report this information to the credit reporting agencies which would also cover the NOTICE requirement simultaneously. 

Remove this alleged account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, 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:
I have paid and contacted the company to get the account removed. They said they reported it already and that's all they can do. I asked to provide documentation that they did that so I could send to the bureaus and they did, I sent it and no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PLEASE NOTE THIS INFORMATION HAS BEEN REPORTED TO YOUR REGISTERED AGENT, XXXX XXXX XXXX and also the FTC. LVNV/Resurgent receivables has failed to verify this alleged debt. I have asked for verifiable accounting records and they have sent a document wanting evidence of identity theft. That is not evidence of debt. It is my federal right to see an audit trail as well. LVNV/Resurgent Receivables has failed to do this as well. I have sent a cease and desist letter to them multiple times. However, lvnv/resurgent receivables have ignored my cease and desist. 15 USC 1692c lets me know that they are prohibited from communicating with me through ALL MEDIUMS. This would include my consumer report. Lvnv/Resurgent Receivables has failed to substantiate its claim about the alleged debt. LVNV/Resurgent Receivables feels like their company policy supersedes federal law. It does not. I deem each time LVNV/ Resurgent Receivables ignores my attempts, is a willful violation pursuant to 15 USC 1681n- Civil liability for willful non-compliance. It is also a negligent violation pursuant to 15 USC 1681o- Civil liability for negligent non-compliance on Resurgent Receivables part. I also did not give authorization or permission to have my personal identifying information which you obtained through aggravated identity theft in accordance with 18 USC 1028A. Please send an affidavit signed with wet ink certified under penalty of perjury to substantiate your claim. Without this, you have no consent to continue any collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: National Credit Adjusters, LLC
State: MI
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:
These items need to be removed from XXXX, XXXX, and XXXX these aren't my accounts and were told they were going to be removed and I will seek pressing charges XXXX 1.XXXX account number XXXX date opened XXXX XXXX original balance {$390.00} 2. Inquiries XXXX XXXX  inquiry date XXXX not my inquiry XXXX XXXX Inquiry XXXX not my inquiry XXXX XXXX  inquiry date XXXX not my inquiry XXXX inquiry date XXXX not my inquiry XXXX XXXX inquiry date XXXX not my inqiury 3. Us Department of educationXXXX accounts have been paid 4. National Credit Adjuster account number XXXX not my account 5. Late payments from XXXX XXXX  account number XXXX XXXX XXXX. Inquiries XXXX  XXXX XXXX Inquiry date XXXX not my inquiry US Department of Education inquiry date XXXX not my inquiry 2. National Credit Adjuster Account number XXXX not my account 3. Us Department of educationXXXX accounts have been paid 4. late payments from XXXX XXXX  account number XXXX XXXX 1. National Credit Adjuster account number XXXX not my account 2. Us Department of educationXXXX accounts have been paid 3. late payments from XXXX XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Zions Debt Holdings
State: KY
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:
There have been unauthorized disclosures of my personal identifying information. Zion Debt Holdings LLC and XXXX are committing aggravated identity theft by fraudulently furnishing this information on my consumer report. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I am not liable for this debt with Zions Debt Holdings LLC and do not have a contract with Zions Debt Holdings LLC nor did Zions Debt Holdings LLC make any attempts to notify me of this fraudulent debt directly by mail with the original wet ink signature ( original instrument of indebtness ). I am and will be invoking my rights to suretyship as subrogee/implied surety in a notice of subrogation and substitution to collect any and all chattels owed to me under the maxims of equity due to Zion Debt Holdings LLC making false claims against my Estate XXXX XXXX XXXX I have provided an identity theft report as required by the FCRA listing the accounts that should be blocked and removed. I have also provided opt-out notices from the model disclosures that I found on the CFPB website.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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 Follow-up 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 accounts 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 alleged fraud or extortion. Please block the following accounts : XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXXXXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX : {$550.00} XXXX XXXX XXXXXXXX balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I reserved hotel accommodations from XXXX for XX/XX/2023 through XX/XX/2023. And also purchased insurance to protect my reservation in case I needed to cancel, because my wife was/is currently ill and under physicians care. Once I received confirmation of the reservation I noticed the dates were incorrect and contacted XXXX immediately to correct the dates ; I spoke to several managers, and one manager stated that there should not have been an issue getting it changed or cancelled. We tried to call the property owner to ask them to fix the reservation ; as we could see that there was availability at a lower rate. We were more concerned with the dates than the lower rate. The property owner explained he would change the dates if we paid him {$110.00}. We reached back out to XXXX and they could not understand why, we explained we wanted to cancel the reservation and just stay at another property. After being told that we could without penalty ; then that was an issue. We then went to the bank with all the email transactions and managers names we spoke to and disputed the transaction. We received our funds and went on our trip. Days later chase took the funds back out of my account. I went into the branch to talk to an officer and again show them all the information I had, the officer sent it to someone in their back office and stated that the case would have to be reopened and viewed. I again reiterated that we did not stay at the property; received notification that the funds had been taken back from XXXX and the reservation was going to be canceled. The bank seemed unconcerned and denied my claim again. I paid for a service that I did not receive and the bank refused to look into it and return my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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: Personal information incorrect

Complaint:
To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1977 I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the XXXX XXXX XXXX and they are not reportable as per the FCRA, since they are 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 2023-06-23
Company: Experian Information Solutions Inc.
State: NJ
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 never heard of this debt. I monitor my credit with experian and in XXXX of 2023 or so I received notification that this account was posted to my experian and transunion report. The supposed amount owed is {$1500.00} withe XXXX XXXX XXXXXXXX. I am a victim of identity theft and want this matter fixed as soon as possible allowed by law. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Additionally, By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this 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