BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: OR
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 submitted a complaint which is requesting validation on an account in my file. The account is mistakenly reported and I believe that the account 's records are false. Please fix the negative status of the listed account : XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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:
On XX/XX/2022, the first letter was sent to the credit bureaus XXXX, Equifax, and XXXX regarding the bankruptcy that is reporting. After several letters, I still can not get the appropriate response on how this information was obtained. When I contacted the XXXX XXXX  that is on the credit reports, the XXXX XXXX  wrote back and stated that no information is EVER sent to the credit bureaus, and is unclear how they received this information. After many letters after, I still can not get the proper actions from these credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, I purchased furniture from Arhaus on XX/XX/XXXX and XX/XX/XXXX with total XXXX with a 6 months promotional ( I was told to make equal 6 months payments and no interest will be charged ) I do that with other companies with no problem, so it wasn't the first time. 
Starting my first bill, I made equal automatic payments for more than the amount needed to ensure no issues in my billing. The payments were automatic for {$1200.00} every month. 

The automatic payment are paid on the bill due date ( that was the option on the company 's website ) Equal payments were made through XX/XX/XXXX automatically and properly deducted, until I receive a new bill on XX/XX/XXXX showing finance charges of {$830.00}. 

I contacted the credit card company on XX/XX/XXXX and they said that I had to do my last payment manually because the automatic payment doesn't reflect it on the correct date. 

At this point, I am not sure what are my next steps since I made proper payments on the due dates but they are overcharging me {$830.00}. I appreciate your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
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:
Derogatory information must be removed due to COVID-19. I have made several attempts to remove this information. I have sent several letters challenging the derogatory information. The derogatory information is preventing me from obtaining a new checking account for myself and my daughters.

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 2022-03-20
Company: Consolidated Information Services Solutions, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I have been in writing letters to the main XXXX collection agencies and the companies that have been putting the inquiries on my report that I'm not aware of. They are telling me they can not be remove and are verified. I'm not sure how it was verified but I have asked on several occasions on how was the inquires validated and then there is no response because no one has proof I even applied for this credit and failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I submitted a dispute and letter requesting to validate this debt to CACI on XX/XX/23 and have not received the requested response to my dispute. I filed a complaint to CFPB also on XX/XX/23 against CACI, and in their response the company stated I had an open dispute with them. It is over 30 days and I am requesting that they delete this collection account from all 3 credit bureaus as they have not provided validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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:
Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. TransUnion and XXXX are classified as consumer reporting agency, and I by definition am the Consumer. Pursuant to 15 U.S Code 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX per 15 U.S Code 6801 is defined as a financial institution ; of which I am sure the U.S. Department of Justice, the U.S. Department of Housing and Urban Development, the U.S Securities and Exchange Commission, and the Office of the Comptroller of the Currency [ would ] consider any information that this institution engaged in illegal credit practices before the end of the institutions next performance evaluation. XXXX XXXX is in violation of 15 U.S Code 1681a ( 2 ) ( A ) ( i ). XXXX XXXX is under the regulation of many laws and as previously mentioned one of those is the FCRA, which states the term consumer report DOES NOT INCLUDE any report containing information solely as to transactions or experiences between the consumer and the person making the report. Pursuant to 15 U. S Code 1681c ( a ) ( 5 ) the publishing of any adverse item of information should not be on any consumer report. It clearly states except as authorized under subsection ( b ), 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. This is a violation as they are reporting these items without my permission. 15 U.S Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

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 2022-04-08
Company: EQUIFAX, INC.
State: TX
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:
I have submitted many complaints to all credit Bureau to remove the following UNKNOWN/FRAUD inquiries with ZERO support and ASSISTANCE. They keep responding with the same automated response. These inquiries are HURTING my financial situation and must be deleted from all 3 Bureau 's ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ALSO SENT MULTIPLE REQUESTS TO DELETE INNACURATE REPORTS WITH NO RESPONSE. All these accounts show INNACURATE info and must be deleted according to my FCRA RIGHTS. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY! 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. XXXX  XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. XXXX XXXX  ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 7. XXXX - CARD SERVICES ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. ( XXXX XXXX XXXX  XXXX XXXX XXXX NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE PLEASE DELETE AND REMOVE IT FROM MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: PA
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: Problem getting your free annual credit report

Complaint:
I provided all the documents, I still can not get my address verified with them, or for them to send me my free annual report. Please work with me. See documents. Please confirm. My address is on the bank statement from 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 2019-10-02
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted Bridgecrest XX/XX/2019 and spoke with XXXX to discuss the inaccurate information on my CBR. I'm currently on a payment plan paying {$290.00} every 2 weeks. I was never advised when I set up the plan, rather by phone speaking to rep ( back XX/XX/2019 ) or via the online portal, that I would continue to report delinquent during the plan. 

I'm currently in the process of purchasing a home and that's when I noticed that I was reporting 3 months past due. However, I have continued to make my agreed upon payments. 

During the conversation with XXXX, I advised that I understood the first delinquency hit as I set up the arrangement after the account was already 31 days delinquent. The days delinquency referenced was provided by XXXX during our conversation as I was unaware how far behind, I may have been. XXXX stated she saw where Bridgecrest tried to contact me prior to the payment arrangement to prevent it from hitting my CBR. She advised that if I SPOKE with someone I would have known. However, I did speak with someone and it was never brought up. 

I asked if there was someone, I could speak to that would help me rectify this. She advised that all disputes would need to go through the credit agencies. 

Several times during the convo XXXX advised that she was reviewing notes and dates incorrectly. I'm sure she is very proficient in her knowledge of how to read account notes, there were times that the information that was shared was " off '' as she stated that she doesn't show when I spoke with someone. It wasn't until I gave her an approximate time frame when she was able to locate. She also was referring to emails and texts that were sent as " phone calls ''. 

XXXX was very patient, and I believe she did all she could do at that time. I would like to be able to have my credit bureau report updated to reflect only 1 month past due and not 3. I failed to note that XXXX did state during the call that Im reflecting " current '' or " caught up '' now. Again, I'm showing past due for XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Keynote Consulting, Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have two collections on my account for the same amount from the loan originator XXXX XXXX XXXX the 1st loan was an auto balance of {$5800.00} I settled with Keynote Consulting who took over charged off loan balance for {$5000.00}. Which was paid by certified cashier check # XXXX that was paid to XXXX XXXX XXXX  on XX/XX/XXXX. Now the balance sits on my credit report under XXXX  for {$830.00} which was not collection agency told me that I could settle this debt for 80 % off outstanding balance. I also paid a credit card balance that was issued by XXXX XXXX XXXX that was sold to Keynote with a balance of {$430.00} which was paid in a settlement amount on XX/XX/XXXX for {$340.00} this inaccuracies is impacting my credit and has caused me not to be able to receive open lines of credits. I have submitted a notarized letter to credit agencies with copies of paid cashier checks. I need for XXXX XXXX XXXX to update balance to XXXX and Keynote consulting collection to also update balance to 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 2019-10-02
Company: CITIBANK, N.A.
State: UT
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:
CitiBank # XXXX is reporting lates on mine and my husband 's joint account that I should not have. We had this on auto-pay and never received any statements for it. We changed our address and had a forwarding address so there was no reason for us not to get these. Our mortgage went up and we never received notice or a phone call so we did not know to make higher payments, again this was on auto pay and we did not know the payment changed.

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 2020-05-10
Company: Nelnet, Inc.
State: PA
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:
My student loan servicer is Great Lakes Borrower Services. They have reported that my account is in deferment, which is because all federal loans are due to the pandemic. This has caused my credit score to drop to the point that I can not purchase a home anytime soon. I was told that deferment does not impact your credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: MI
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; MI XXXX XXXX XXXX Balance : {$5300.00} ; XXXX XXXX XXXX Balance : {$44000.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX  XXXX XXXX Balance : {$280.00} ; MI XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4400.00} ; XXXX XXXX XXXX XXXX : {$390.00} ; XXXX  XXXX XXXX XXXX : {$2800.00} ; XXXX XXXX Balance : {$4500.00} ; XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My monthly payment of {$300.00} for my lease was on XX/XX/21 with a XXXX  day window to make a payment - I have never made a late payment to XXXX and have always been a loyal customer to them. At the time, my XXXX  goXXXX XXXX  with XXXX and I was responsible to care for XXXX and our XXXX. A few days later I got XXXX myself and was very XXXX. Not long after that, my XXXX got it too. We went to my XXXX house to have some help and to be taken care of and at the time, unbeknownst to us, XXXX had sent a letter to our apartment saying our payment was almost due. On day XXXX I received a call from XXXX saying my payment is over XXXX days due ; while I was still on the phone with the rep. I made the payment. Meaning on day XXXX the payment was made and received by XXXX. 
Despite my families XXXX of the XXXX, XXXX immediately reported me to all credit bureaus and DROPPEDMY SCORE XXXX POINTS! This could not have come at a worse time as we are on the market for a house and a good credit score is vital. After calling them numerous times to sort this out with me, they repeatedly refused to help me. I called to ask to speak with the manager and was told all managers were in a meeting and I would get a call back. I never did. I was yelled at over the phone and received awful customer service. I normally wouldn't take the time out of my day to submit a formal complaint, but I had to make an exception for this. Every representative I spoke to was robotic an unpleasant over the phone. They offered no help and no explanation other than " we have to report you and we can not help ''. I am ashamed to be leasing from XXXX and do not plan on being a customer of theirs in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
A {$50.00} XXXX XXXX XXXX was given to my XXXX  as a birthday present and when we called the 888 number to activate it we were told the card had no balance on it because the store that sold it had not properly activated the card. Which meant as the recipient of the gift card we had to go back to whomever gave the card to my XXXX  and ask them for proof of purchase, then go to the store where they bought it and request either a refund or that they try to activate it again ... all of which were impossible because 1. the gift card company would not tell us where the card had been purchased, and 2. we did not know which of the 15 XXXX  at the birthday party had given him the card. 

The company name that runs the XXXX XXXX program is Blackhawk Network California XXXX Inc., and I spoke with XXXX at Blackhawk Giftcard Support Services this morning and she said there was nothing she could do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: IL
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 2023-06-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX 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 XXXXXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation