BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not acceptable to treat these reporting accounts 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/accounts/information below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/15 Balance : {$23000.00},

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 2018-12-28
Company: Bread Financial Holdings, Inc.
State: CA
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 balance transfer

Complaint:
I had applied for a balance transfer to lower my interest rates. I transferred my XXXX  XXXX credit card to my XXXX credit card. XXXX says that the transfer went through and the balance transferred on XX/XX/18. Yet, my XXXX  XXXX balance never shows a transactions so I was stuck paying two balances on both cards. XXXX hasn't been helpful in telling me what is going on and who actually cashed the check. They keep opening claims but I get nowhere and have been accruing late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: NV
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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting 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 gone over what I have seen on my recent credit report on Equifax. 

I have a lot of soft inquiries I do not recognize at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
Once again, I am writing to file a formal complaint against XXXX & Equifax regarding their failure to update my credit information and provide me with a method of verification, as required by the Fair Credit Reporting Act ( FCRA ). 

For well over 90 days, I have been disputing the same accounts over and over just to get the same generic responses over and over since XXXX of this year ( 2023 ) I have been disputing the same XXXX accounts showing proof of clear errors and inaccuracies just to be told the item was Updated Or Verified How is this possible if I have proof and a print out of the same exact errors on the same exact accounts. 

I have attempted to resolve this matter directly with XXXX & Equifax by via my dispute letters. Despite my efforts, the issue remains unresolved, and I believe that XXXX 's actions are in violation of the FCRA. 

After months of disputing they even told me they couldnt verify the disputes because they didnt know if it was me sending them anymore I then proceeded to begin getting the letters notarized which no one else can do on my behalf and still the same result. 

I will have my latest disputes, cover letter and credit report attached. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX complies with the FCRA. Additionally, I would appreciate your assistance in resolving this issue and obtaining the accurate and up-to-date credit information to which I am entitled. 

Please find the following information related to my complaint : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX I appreciate your attention to this matter and look forward to a prompt resolution. If you require any further information or documentation, please do not hesitate to contact me at the provided phone number or email address. 

Thank you for your assistance. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06
Company: Synovus Bank
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Hi I called to close my first progress credit card account XXXX after depositing XXXX USD cash a few years ago. I'm owed a remaining balance of XXXXUSD. After called numerous times since XXXX and spoke with supervisor XXXX who said they would sent the check but I have yet to receive it however I'm able to get a monthly statement from first progress. 
Called : XXXX closed XXXX Spoke with XXXX - XXXX with XXXX - XXXX Spoke with XXXX - XXXX Spoke with XXXX - XXXX Spoke with XXXX XXXX Spoke with XXXX - XXXX Spoke with XXXX - I've to receive the balance owed and overpayment. Need assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 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 has violated my rights. 

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.

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 2023-06-17
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:
See info below for errors and violations. XXXX is for TransUnion, XXXX and XXXX to delete this account permanently.

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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-07-12
Company: Experian Information Solutions 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 persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of 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 explanation
Consumer complaint received 2020-01-03
Company: Experian Information Solutions 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:
XXXX  XXXX XXXX, tried to raise my interest rate to 30 % and denied me the ability to carry out any 0 % balance transfers, cash advances - only the purchase option was made available to me. - I had to close my account due to the unfair and deceptive practices after being a customer since XXXX. I have been a XXXX  XXXX XXXX member since XX/XX/XXXX. On XX/XX/XXXX, my {$50000.00} limit was reduced the credit limit to {$39000.00} and my other XXXX credit card with a {$1000.00} limit that was opened XX/XX/XXXX, was also closed on XX/XX/XXXX this action impacted my credit utilization and credit profile with a thirteen year relationship. XXXX  XXXX XXXX has been carrying out predatory lending practices. My minimumpayment was {$200.00} and I was paying this at 0 % APR - paying off my balance. XXXX  XXXX XXXX turned around and hurt me when I closed my account, changing my minimum payment to {$1200.00} at a 26 % interest rate - making it impossible for me to pay back the balance. XXXX  XXXX XXXX retaliated after I filed a CFPB report about their unfair and deceptive practices. XXXX  XXXX XXXX also contacted XXXX. XXXX told me over a recorded call that they lowered my credit limit by 50 % after XXXX  XXXX XXXX told them I had a late payment with them. The action messed with my credit utilization - negatively impacting my credit score. XXXX should not make decisions based on inaccurate, information that XXXX  XXXX XXXX has provided them about matters between myself and XXXX  XXXX XXXX which has nothing do with my XXXX accounts. XXXX needs to put my credit limit back to its original limit as I have never made a late payment with XXXX. XXXX  XXXX XXXX reported to Experian that I am late by {$590.00} and that is incorrect. I did not agree to a {$1200.00} a month payment. I paid my {$200.00} a month as agreed. I also told the FTC about predatory lending from heartless 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 2023-07-26
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:
I am writing to file a complaint against XXXX for violating the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Family Educational Rights and Privacy Act ( FERPA ). 

I have been a student loan borrower with XXXX since [ year ]. During that time, XXXX has shared my personal information with third parties without my consent. This is a violation of the FCRA, which prohibits financial institutions from sharing nonpublic personal information with third parties without consumer consent. 

XXXX has also shared my student education records with third parties without my consent. This is a violation of FERPA, which prohibits schools from releasing student education records without student consent. 

In addition, XXXX has failed to remit my 1099-C form to the Internal Revenue Service ( IRS ). This is a violation of the GLBA, which prohibits financial institutions from failing to properly protect consumer information. 

I have requested that XXXX remove the reporting of these accounts from my consumer report and remit my 1099-C form to the IRS. XXXX has not responded to my requests. 

All violations are listed as follows : FERPA, GLBA, FCRA, 15 USC 6802, 20 USC 1232 Ive also submitted a request for your trustee, XXXX XXXX Bank to properly remit my 1099c so that I can properly do my taxes and send my copy of the form along with documentation showing it has been transmitted over to the treasury. Also, instructions were provided to wire my securities to my TDA account and send me back my tender. Per the Securities Exchange Act of 1934 pursuant to section 13 or XXXX ( d ) for your fiscal year ending XX/XX/XXXX your indenture trustee is responsible for carrying out this responsibility would be XXXX XXXX Bank. This information was provided on your XXXX filed with the U.S. Securities and Exchange Commission XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items removed from my credit reports effective immediately. I am attaching proof Equifax has admitted that I was the victim of this data breach and has done nothing. Please help me delete these illegal accounts from my credit reports. Those accounts being. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Shut my card off without explanation. I am XXXX XXXX XXXX with an excellent credit rating above 800. I pay on time and ahead. 
I have spent 9 hours talking to : Customer Service Fraud dept Collections dept Risk dept All departments are unable to explain why the card was shut off.

I am pushed from one department after another without resolve.

A supervisor told me at one point the card had improperly been coded as a charge off. He promised to get back to me with some resolve but never did.

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 2022-01-25
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-06-17
Company: EQUIFAX, INC.
State: MI
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 to address errors and unfamiliar entries on my credit report. However, I have not received a response despite waiting over 30 days. This lack of action has left me feeling disregarded and taken advantage of. I want to remind you that under Section 611 ( a ) of consumer law, any unresolved dispute must be removed from my credit report after 30 days. Therefore, I respectfully request that these accounts be promptly deleted from my credit report as required by law.

I must also express my concern regarding the Equifax data breach, which has left my personal information vulnerable to misuse. As a result, I expect all necessary measures to be taken to ensure my information is kept secure and protected.

Should my request to delete these accounts from my credit report not be honored, I will have no choice but to pursue legal action due to the undue stress caused by this situation. I hope we can resolve this matter satisfactorily and restore my confidence in your ability to handle my credit report with care and accuracy.

Attached are two of my most recent credit reports ; please use this to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have recently become a victim of identity theft, and I have filed a report with the Federal Trade Commission ( FTC ). The report numbers for your reference are as follows : XXXX and XXXX. As a result of this identity theft incident, I have identified discrepancies in my credit report that require immediate attention and resolution. I am requesting a thorough investigation into the inaccuracies present on my credit report, with the aim of rectifying any fraudulent entries attributed to the identity theft. The details of the disputed accounts are as follows : 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. Please delete these fraudulent accounts ASAP.

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 2022-10-25
Company: EQUIFAX, INC.
State: AR
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 XXXX  XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  Acct # XXXX, XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX, has violated my rights. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/19 I have made a wire through XXXX to a company for the amount of {$1300.00}. 
Instead of sending the wire XXXX I sent it to XXXX ... but it was sent under the name gems and diamond broker as a company ... as you can see the last digit is incorrect.. I have contacted Bank of America and they claim its out of their hands and the only thing I can do is contact the number and beg to get my money back but the number is off..

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