BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-17
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit rating went from XXXX to XXXX. Upon requesting a copy of my credit report, I discovered 7 accounts on my report that I did not open and was unaware of. Six ( 6 ) of which were opened within a 3-month period in XXXX between XXXX and XXXX. An adult relative received promotional pre-approved offerings via email and postal, and in each instance the offer was personally addressed to them. The recipient applied for the offers based on an acceptance code in several instances, providing their personal info, not knowing or expecting any connection to my credit report or SS #. 

XX/XX/XXXX - My low interest rate credit card was cancelled due to my credit report. I requested copies of my credit report from credit reporting agencies and found 7 accounts that I did not open or request. 


XX/XX/XXXX - After receiving and reviewing my credit reports, I contacted XXXX  by phone to dispute accounts and explained what I believe transpired. 

XX/XX/XXXX - XXXX  completed dispute XXXX  XXXX was removed from my report {$1000.00} XXXX XXXX removed from my report -- they were also contacted directly by me prior to contacting XXXX   {$6800.00} ADS/Comenity XXXX  - they said they reported accurately {$1000.00} ADS/Comenity XXXX - they said they reported accurately {$540.00} XXXX/XXXX  DC - Closed but referred to collections so I initiated new dispute against the collection agency XX/XX/XXXX {$800.00} XXXX XXXX  XXXX XXXX - Initiated another dispute XX/XX/XXXX {$510.00} XXXX/XXXX  XXXX  - This was previously closed for inactivity and no late payment activity, but not removed from my credit report. {$0.00} ( I  also called XXXX XX/XX/XXXX but was not able to get it resolved and removed from my credit report since it technically isn't in my name, but the relative 's name! ) XX/XX/XXXX ADS/Comenity -- I contacted them to explain the discrepancy and to ask them to remove from my report, but although they have my Soc Sec # tied to the account, they won't talk to me because it's not in my name. They will not tell me ( or may not know ) how my name got tied to the account and who was the database source of the promotional offering that they solicited the relative with. 

XX/XX/XXXX - Attempted to remove the relative 's name, addresses and phone # 's from my credit report under " known as '' or " other addresses '' or " other phone # 's '' but apparently I can't do that either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I don't owe anything to IC System with account number XXXX. They should have confirmed this from the Original Creditor XXXXXX/XX/XXXXXX/XX/XXXX since I have made my payment to them. Investigate this item thoroughly and make the necessary correction or just remove the account automatically.

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 2023-03-17
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX  XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX, XXXX XXXX Balance : {$150.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$880.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$230.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
State: DE
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-02-16
Company: Experian Information Solutions 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:
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 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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have concerns regarding the notification I received about the debt and the lack of information provided to verify its validity. When I contacted XXXXXXXX XXXX seeking clarification on the validity of the debt, I did not receive any information or documentation supporting the existence of this debt. I believe that as a responsible customer, I am entitled to receive sufficient information to verify any debt reported in my name. Upon reviewing my credit report, I noted that the mentioned account is inaccurately portrayed as a late payment account with a balance due. This misinformation adversely affects my credit score and raises questions about the accuracy of the reported information. Please find the details of the account in question below : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/2019 Balance : {$170000.00}. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2020-03-17
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:
Dear Experian, XX/XX/1920 After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data : Incorrect Address XXXX XXXX XXXX XXXX, FL XXXX Please delete it XXXX XXXX XXXX XXXX, FL XXXX please delete it I know that you want proof of my personal information that is listed above, so I decided to include this information in the letter to make it easy for you to delete the inaccurate personal information. Please go ahead and fix this inaccurate information and get back with me as soon as possible. 30 days should be enough time to fix this problem. If you can update me sooner that would be better. 

Sincerely,

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 2023-03-17
Company: EQUIFAX, INC.
State: CA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$750.00} from XXXX XXXX original creditor XXXX XXXX XXXX. ( Please see pages attached from XXXX XXXX. ) This account does NOT belong to me. I do not now, nor have I in the past, had an account with XXXX. I have attached numerous documents as follows : 1040 form ; XXXX tax return ; XXXX tax return ; Letter of Employment ; XXXX W2 and XXXX W2. Every document attached is verifying that I reside in the State of Colorado and I have never lived in any other State other than Colorado. This collection is being reported from another State. This false reporting of a collection, on an account that isnt mine, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 and XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DeptedXXXX 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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-02-16
Company: ProCollect, 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: Account status incorrect

Complaint:
In early XXXX I moved out of XXXX XXXX XXXX and paid my move out fees with a cashiers check. Due to bad record keeping they did not update the account. 

In XX/XX/XXXX I received a notice, from Pro-collect stating that I did not pay the debt. 

I contested this debt with XXXX, XXXX and XXXX who all determined it was invalid. 

XX/XX/XXXX. I apply for an apartment and I am denied because this is on my " XXXX XXXX XXXX Report. '' I challenged it with XXXX XXXX XXXX who said they will not remove it because Pro-Collect claims they did not receive payment. I asked their customer service agent about the proof i submitted and they stated that they only forward it to the reporting agency. Even with proof XXXX XXXX XXXX does not remove incorrect or false 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 2020-05-05
Company: Experian Information Solutions Inc.
State: AR
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account.XXXX   XXXX {$2000.00} XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX {$2400.00} XXXX XXXX {$360.00} XXXX XXXX XXXX {$140.00} XXXX   XXXX {$860.00}

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
these fraudulent inquiries on my credit report are not authorized by me and need to be removed ASAP 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 non-monetary relief
Consumer complaint received 2023-10-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened an account in the store and was waiting for a card so I could make my first payment. They told me I could not make a payment without a card number so I paid it with the customer rep. on the phone and I paid in in full. I finally got a card in the mail and went online to register and was told I owed late fees of {$27.00} with an interest charge on late fees of {$7.00}

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 monetary relief
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I want to complain about inaccurate account and payment information as it pertains to a XXXX XXXX XXXX account that is currently been reported on my credit report. The account number for this XXXX  XXXX XXXX account is XXXX. 
Account and payment info are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
in accordance with the Fair Credit Reporting act Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 2023-06-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased an amex egift card online yesterday and even though it states on the amex balance check website that the cards are good to use at any online stores and can be used within your online wallet accounts, I was not redeemable anywhere and can be gifted to others, that is false. I tried to use it to purchase minutes for my cellphone service, I tried adding to my XXXX wallet and my daughters XXXX account and they all failed.the cvc number even came back Invalid during the call when I entered the card over the phone to check the balance activation. I held online for over an hour and the representative provided no help at all and told me that there was nothing wring with the card and nothing she could do. She also refused to provide me a contact phone number for her corporate office. This was my second or third time in the past year exoeriencing issues with Amex gift cards, which is whyy I only purchased a small gift card amount yesterday of {$25.00} +tax because I wanted to make sure the card would work first and it did not. Amex refuses to set clear expectations for customers and leave XXXX stuck with faulty cards that we can't use practically anywhere. I haven't been able tonuse it to pay a bill because I can't even get past adding the card into my XXXX oayment system, it rejects the card altogether. The cards are useless and then amex charges fees when the transactions decline. They should be out out of business because of their unscrupulous practice. There are custimers online all over the web describing the same types of issues with these Amex cards and they continue to sell them blindly. Please investigate this company and their business practices and/ or share the information with the FTC if applicable, > also plan to reach out to them as well. Subsequently I can not even login to the website anymore now to even check the balance of the card because it keeps giving me wrror messages as if the information isn't correc. AGAIN the cuaromer service agents refused to address the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
The debit card Capital One make me several calls day and nigth specifically saturday and sounday robot calls I owe them twso times money and as sun as I take money I paid two times more than {$600.00} dollars with all the interest I explain to them now I have health and financial problems and request some time to I can comply with my obligation of payments I have XXXX years old Senior XXXX old man, recently XXXX I have XXXX  XXXX  and XXXX  the last call was today XX/XX/2020 at XXXX XXXX  I can not sleep more today I request stop that harasing phone calls

Company response to consumer: Closed with non-monetary relief