BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
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: 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 2021-05-11
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I feel there are literally zero standards required from equifax and XXXX, thus making them completely random and arbitrary, to the detriment of the typical consumer. Both claim to use the same standard, VantageScore 3.0, yet there are extreme differences between the two. I paid off a personal loan early, and got a positive increase with XXXX, and a negative drop from equifax. Equifax lags in their updates and theres no good reason or excuse for it. Nobody, Federal or State, seems to be policing these gangsters, and I demand to know why. If there is no standard, then theres a strong case to be made that nobody, lenders and creditors included, can rely on them, and they should be eliminated altogether. Perhaps we should be able to opt out of these half XXXX  services from collecting our information such that we refuse to allow our information to be shared with them, and lenders and creditors can ask for direct references instead, without penalty to the consumer. And too bad of they dont like it. They can either get their act together, or, they can go out of business. We dont need them as much as they need us, and personally, Im tired of is being the victims. DO YOUR XXXX JOB AND GET IT FIXED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: United Credit and Collections Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2022 I received a letter from United Credit and Collections stating I owed {$1900.00}, for a previous apartment. After several failed calls to the collection agency I decided to initiate contact through email and mail. On XX/XX/2022 I sent an email proving the charges were inaccurate. The collection agency then called and said the {$1100.00} charge was not for the original reason if me not giving proper notice to vacate but I was giving a $ XXXX for illegitimate military orders. I then advised that was not true and they do not have legal grounds to charge me a fee for that reason. The lease doesnt support that charge nor does the law. They still put it in my credit. I got it removed and the reinserted it again after I proved that they were wrong. She insulted me disrespect me and hung up. There are so many complaints about this agencys repeated offenses and they seem to go unheard. This has altered my business and my personal life dramatically and it is illegal. Please help us!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting repeated phone calls to collect a debt for someone that does not reside here. Thus has been on going for a Long time and is really annoying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX from Comenity said my accounts would be adjusted and come to a fair resolution for the issues that Comenity has had for the last 8 months. 
XXXX XXXX from Comenity has decided to negate everything that was supposed to be adjusted and demanding I make a payment now instead of working with me. Threatened that my accounts will be charged off. 
I have been dealing with Comenitys horrific payment systems for the last 8 months. They tried blaming me for their issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I applied and was approved by Capital One for a QuickSilver credit card. The company gave me a hard time proving my identity. I gave them all the documents needed. They took over 2 months with the situation. Capital One finally said they would approve and activate my card if they could get bank to verify my identity over the phone. Capital One rep was not able to get the verification, so I said it's been so much trouble, just cancel the card. They cancelled the card, then the next day a rep called and said they were sorry and let 's get the identity approved. It was successful and I was told I would get the card in the mail. I didn't receive the card and was told that the card was cancelled at my request. This has damaged my credit score and I never received the card. I was told this would be fixed by 4 reps and 2 managers. I spent over 2 months and 9 hrs over phone and internet. I need help with this situation because it's not my fault, it's Capital One and their employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
To Whom It XXXX Concern : I am writing to make a formal complaint to TD Bank , N.A . I am seeking directive assistance from CFPB. This is a solution to someone so I can be heard and take seriously in protecting my information. I was/still am a victim of identity theft since XX/XX/XXXX. 

A XXXX XXXX credit card account was opened with TD Bank XXXX fraudulently with my information without my knowledge and consent in XX/XX/XXXX. 

On XX/XX/XXXX : I called TD Bank XXXX XXXX XXXX XXXX and reported account opened fraudulently, Given my contact information. I was provided with the case # XXXX. 

On XX/XX/XXXX : I called TD Bank XXXX XXXX XXXX XXXX once again. Spoken with XXXX XXXX from XXXX XXXX and confirmed the account has been closed as of XX/XX/XXXX. 

On XXXX XXXX : I received an acknowledgement letter from TD Bank XXXX stating, " Account history indicates prior acknowledgement of the account ''. Verbiage is vague so I made the call to XXXX XXXX XXXX, Fraud & Risk XXXX @ XXXX. Left several voicemail message and never received a reply. 

On XX/XX/XXXX : I received an acknowledgement letter from TD Bank XXXX stating, " Account history indicates prior acknowledgement of the account ''. XXXX is vague. Today { XX/XX/XXXX } I made the call to XXXX XXXX XXXX, Fraud & Risk XXXX @ XXXX. Risk XXXX told a call was made to TD Bank XXXX on XX/XX/XXXX, a security code was sent to XXXX as resulted of the account was reactivated. In addition, she said the case has been closed and if I want to investigate, so I will need to open a new case. 

I am extremely baffled with facts that ( 1 ) TD Bank XXXX had knowledge that the credit card was opened fraudulently and closed the account on XX/XX/XXXX, ( 2 ) TD Bank failed to verify the caller identity, Accept the risk on themselves and sent the security code resulted the credit card account reopened without my knowledge and authorization. Today, I made the call to TD Bank XXXX XXXX XXXX @ XXXX - to setup a new claim as I was instructed. The phone system did not respond to my cellular phone. 
The phone # that I had registered in the case when opened initially and there was no live attendant. 

TD Bank XXXX XXXX XXXX is not/ has not diligently in protecting my information. This resulted distress because once again having to deal with this nightmare. 

Due to data sensitivity, I didn't include the full account in this complaint. It will be readily available to provide upon request. 

I attest the statement made herein is truthful under perjury. Thank you. Best, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt.This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 2022-02-16
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:
Choose according to account type. These can be combined 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2022-05-17
Company: EQUIFAX, INC.
State: NC
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:
There are fraudulent inquiries and inaccurate account information on my credit report! I have disputed this information multiple times and nothing is being done! I feel as though this is an insult against my intelligence and a right being taken as a joke as an American citizen who understands the CFPB laws!! Your credit is your life and this inaccurate and fraudulent information being so easily put out there BUT NOT BEING THOROUGHLY INVESTIGATED is hindering me from a lot of things!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX Date opened XX/XX/ 2017 Balance {$940000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Sezzle 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: Account status incorrect

Complaint:
I reached out to Sezzle in regards to making the account current or sending out a payment arrangement before any 30 day late issue. I explained my XXXX XXXX  and what my objective was to keep the account in good standing. My email as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Overall, I have worked significantly less. Financial setback has only allowed me to pay bills related to living expense & food. 

I am not sure what a reactivation fee amount is on top of a late fee. Could you please give detail what each one costs? 

Lastly, I will make my payment when financially feasible and within a timely manner. 


Their response : XXXX ( Sezzle Shopper Support ) XX/XX/2023, XXXX XXXX  XXXX XXXX, Thank you for reaching out to Sezzle shopper support! We know that life is unexpected, and sometimes difficult circumstances arise that make it straining for individuals or families to make payments. Here at Sezzle, we want to do what we can to empower all our shoppers to make sound financial decisions. 

So, to allow time for you to focus your energy on what is most important, I have rescheduled all your payments by 4 weeks from their previous due dates. Please be sure to review and confirm the new due dates on your account.

Last day today I received a hit on my credit after this movement by the company for four weeks out. I received a 30 day late payment on XXXX XXXX, XXXX and XXXX. this was never discussed, the company made this moment on their own out of courtesy. However, this is change couldve been made for a sooner date than 30 days as I was not advised, this would still be reported. This moment with per the company. If they are considering helping customers, this invited them if they enter in agreement or they are courtesy, moved four weeks out that this could still affect their credit. In reality this moment nothing to benefit or help me during these trying times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
15 U.S.C 1681 SEC 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 
This was violated once late payments started to get reported back XX/XX/XXXX to present XXXX XXXX  15 U.S.C 1681 SECTION 604 A. SECTION 2 : AT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITOUTH MY WRITTEN INSTRUCTIONS This was violated once late payments started to get reported back XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This was broken back in XXXX XXXX present XX/XX/XXXX 15 U.S. Code 1692d - Harassment or abuse - ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
This was broken back in XX/XX/XXXX to present 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 2022-11-03
Company: WELLS FARGO & COMPANY
State: OR
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:
There were XXXX unrecognized charges on my bank account. I immediately reported the charges to my bank, they investigated and gave me the credit. I then get a letter explain they are taking the credit back because the merchant responded. They said the packages were delivered to my house and have a signed signature. I was out of state at the time and no one in my house hold signed anything. They used the courier usps. Ive made purchases before where merchants use usps and every single delivery says signed even though I have not signed anything because it is not required. I reported the card as lost. Because that was the case. I have no packages, I have no items, I dont even know what they are. I have no number to contact the merchant. My bank wont let me appeal theyre decision. They refuse to help me, they tell me to contact the merchant. I have no way to contact the merchant. And even If I did, the merchant isnt going to help me. They believe this transaction isnt Fraud and I did indeed make the purchase and received the items. But on my end I didnt make any purchase and that why I called me bank to get a new card. Because its fraud, so how does Wells Fargo expect me to resolve this, its their job to protect me and have my back when something like this happens. Now theyre treating me like XXXX! Unbelievable.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
It has come to my attention that there are remarks/comments linked to this account is inaccurate, and I believe it is in my best interest to have them expunged. I have reviewed the details associated with this account, and I kindly request that any remarks/comments be removed from the account. I am committed to maintaining accurate and up-to-date credit information, and I believe that the presence of these remarks/comments may not accurately reflect the current status of the account. Therefore, I respectfully ask for their removal to ensure the accuracy and fairness of my credit profile. I am writing to formally request the removal of remarks/comments associated with the following account : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2022. I kindly request that you initiate the necessary investigation to assess the validity and relevance of these remarks/comments. If it is determined that their presence is unwarranted or misleading, I request that they be promptly removed from my account. I understand that the Consumer Financial Protection Bureau ( CFPB ) encourages credit reporting agencies to ensure the accuracy of consumer credit reports, and I trust that your bureau will take the appropriate steps to address this request.

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 2023-11-16
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: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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: In progress