BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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.

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: IL
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 am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: EQUIFAX, 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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports.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 2023-08-10
Company: Bread Financial Holdings, Inc.
State: PA
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:
Dear Sir/Madam, I am writing to dispute the duplicate debt collection account associated with account number [ XXXX ] in the amount of {$1800.00} that XXXX XXXX XXXX is attempting to collect. Said debt has been reported as a charge off but the original creditor while also posting as a collection to my credit report. I believe this action constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Section 623 ( a ) ( 2 ), a debt can not be reported more than once for the same delinquency. I have identified two separate entries on my credit report from XXXX XXXX XXXX ( comenity capital Bank ) for the same debt, which is a clear violation of this provision. 

I request that you investigate this matter immediately and take corrective actions to remove the duplicate entry from my credit reports. Furthermore, I insist that you provide written confirmation within 30 days that the duplicate entry has been removed, and that you have taken steps to prevent similar violations in the future. 

Failure to rectify this situation may result in legal action to enforce my rights under the FCRA. I trust that XXXX XXXX XXXX will handle this matter promptly and in compliance with the law. 

Please acknowledge receipt of this dispute letter and provide a timeline for resolution. I appreciate your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Self Financial Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
15 U.S. CODE {$1600.00} CORRECTION OF BILLING ERRORS 15 U.S. CODE 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS According to these 2 codes there should not be any late payment reported on my credit file I am demanding my credit file be updated with the proper account status of up to date

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Experian Information Solutions Inc.
State: TN
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:
Experian is reporting false claims on my credit report from a consumer name XXXX. I do not know them neither have I signed any contract with that consumer name XXXX. I have sent in a certified letter to the credit bureau Experian. Letting them know that I have a fraud alert on my credit file, and I also have a credit security freeze. Because someone has my information. What the Experian the bureau told me after I have sent certified and notarized letter to them under the federal fair credit reporting act. The customer service representative told me that I do not have to comply by that law, and that they will keep it on my information credit report. I ask them to show me documentation of what the consumer gave them, because ask them to verify it by letter and not by E-verifying because their is a hacker. Who is getting thing in my name from online through the internet only. I do not know they are. I have called and spoken to the consumer of XXXX they told me that they do not have no contract on file between XXXX and I.  Called several times an ask Experian where are they getting their information from the customer service representative told me from XXXX. I call back Bridgecrest again they told me that the Experian must be getting that information from another online bureau who has wrong information on me because they said that they are not sending thing over to the credit bureaus because I DO NOT HAVE A ACCOUNT WITH THEM NOR DO I HAVE A CONTRACT WITH THEM AT ALL. HELP why is the credit bureau Experian reporting inaccurate information on my file making it hard for me to get a better job. I am a active good traveling man who is trying to work and support my family and fraternity worldwide Brotherhood who is active under United Supreme Council, 33 Ancient and Accepted Scottish Rite of Freemasonary, Southern Jurisdiction, United States of America XXXX XXXX Affiliation Grand Orient, XXXX Tennessee, XXXX XXXX Consistory # 38.  Under Sovereign Grand Commander Illustrious XXXX XXXX. I am in distress. Why is Experian allowing this hacker do this to me. Help, Help, Help!

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 2021-10-14
Company: EQUIFAX, INC.
State: PA
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:
XX/XX/21 call XXXX XX/XX/21 call XXXX XX/XX/21 call XXXX to dispute 10 hard inquiries that are inaccurate reported XX/XX/21 XX/XX/21 XX/XX/21 call equifax about 3 hard inquiries that are inaccurate Sent a letter to dispute on XX/XX/21 no response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My complaint is against First National Bank of PA that has not accepted payments made to my son 's auto loan. 
My mother, XXXX XXXX XXXX has made 6 electronic bill payments from her checking account with XXXX XXXX XXXX XXXX XXXX to my auto loan with First National Bank and none of the payments have been credited to the loan. My mother and I have made calls to First National Bank trying to clear this up ( XXXX XXXX, XXXX, & XXXX, XXXX ). THe bank and the bill payment center have confirmed that payments were electronically sent to the correct address and loan number. The bill payment center and my mother had a 3 way conference call on XX/XX/XXXX explaining the situation. The bill payment center faxed the payments ' information that day showing proof of payment. As of today, XX/XX/XXXX,  First National Bank still has not deducted the 6 payments total of {$1600.00} from his loan balance. I have been sent letters for delinquent account stating I will be turned into the credit bureau because they have not received payment. Their bill payment department needs to research and locate the payments since dates have been given to them with reference numbers when payments were sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-10
Company: JPMORGAN CHASE & CO.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I entered the branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 at about XXXX to open two business checking accounts. 

I eventually spoke with the branch manager, XXXX XXXX, who said I couldn't open a business bank account then because the person that handles that wasn't working then. 

I asked her why couldn't someone else open the account, she just repeated that the person that does it wasn't available. 

Eventually, I had to schedule an appointment at a different branch because I didn't feel like XXXX XXXX was taking my interest in opening an account with Chase seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX XXXX  XXXX Original creditor : XXXX XXXX. XXXX Balance : {$3900.00}.

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 non-monetary relief
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, specifically section 602 ( a ) of 15 USC 1681, it is crucial for consumer reporting agencies like XXXX and XXXX to fulfill their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. As a consumer, I have the right to ensure that my private information is not shared, as supported by 15 USC 6801. This law states that financial institutions, including furnishers of information to credit agencies, have an ongoing obligation to respect customer privacy and safeguard their nonpublic personal information. 

Under section 604 ( a ) ( 2 ) of 15 USC 1681, consumer reporting agencies such as XXXX, Transunion and XXXX are only permitted to furnish a consumer report under specific circumstances, one of which is when they receive written instructions from the consumer. I have not provided written consent to these agencies or the furnishers of information, and any previous consent, whether verbal, non-verbal, written, or implied, is hereby revoked.

Moreover, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer has been informed of their right to choose not to disclose. However, the furnishers of information to credit agencies failed to inform me of this right. 

Furthermore, as per 15 USC 1681C ( a ) ( 5 ), a consumer reporting agency is prohibited from including certain adverse information in a consumer report unless authorized by subsection ( b ). This adverse account, which is being reported without my consent, falls under the category of unauthorized information according to the law.

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that no person should furnish inaccurate information to a consumer reporting agency if they are aware or have reasonable cause to believe it is inaccurate. XXXX  and XXXX, therefore, are in violation of this provision.

To maintain compliance with the law, every consumer reporting agency must establish reasonable procedures to prevent violations of section 1681c and restrict the provision of consumer reports to the purposes outlined in section 1681b, as stated in 15 U.S. Code 1681e. Unfortunately, XXXX and XXXX have failed to uphold these reasonable procedures. 

Lastly, in accordance with 12 CFR 1016.7, I am exercising my right to opt out of your reporting services. This means I no longer wish to be included in your reporting activities.

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 2023-08-10
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
Company: EQUIFAX, INC.
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:
Unknown Inquiry on my credit report with Equifax. I've disputed this inquiry multiple times but its still on my Equifax credit report. 

XXXX XXXX  : XXXX- Card service Date : XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Bread Financial Holdings, Inc.
State: NY
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:
On XX/XX/XXXX, I made a purchase at a Lane Bryant XXXX while visiting XXXX. I had forgotten if I purchased by cash, debit card, or using my Lane Bryant Card. This was during the Pandemic and I had not received any statements. At the time of the purchase, I had a XXXX balance. I normally paid the Lane Bryant card biweekly, and I had previously overpaid the account by {$85.00} because I had automated my payments for many years. I had been a customer of Lane Bryant since XXXX. With a balance of ( - {$85.00} ), Comenity Bank began charging me late fees of {$35.00}. And resolving this dispute was problematic and they did NOT return all of the overpayment. But it became too much of an expense and a bother to get the last {$35.00} back. So I let the issue go and stopped using the card. 

During the Pandemic, there was a discrepancy with receiving mail. And I had been in and out of town often. I did not realize there was an issue with the bill until a collections representative called me, informing me the account was past due but still open. At that time, I explained the oversight. I sent the minimum payment due. I also sent payment in full for the items I purchased. I also explicitly let them know I did not receive my statement. When I finally received my statement in XXXX, I saw they had charged me {$220.00} late fees. I called Comenity Bank and requested to speak to a supervisor, disputing the late fees because ( 1 ) I had not received a statement ; ( 2 ) I have had a Lane Bryant store credit card for 15 years with a favorable payment history ; ( 3 ) their payment processing had been so poor the prior year they had charge me interest and late fees on a negative balance and still had NOT repaid me all of the money for that discrepancy. Despite having been treated this way, Comenity Bank refused to remove the late fees. I was peeved but I paid the balance in its entirety anyway. BUT THEN... Comenity Bank CLOSED my account that I had paid and repaid favorably for year, negatively impacting my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-15
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsoursi keep reporting to the 3 credit bureau that I have owe them {$2500.00}. 
I have disputed with them several times but they keep updating it in my credit report. I do not owe them anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Dear Sir/Madam, I am writing to dispute and request the removal of certain derogatory information from my credit report, as per the guidelines outlined in the XXXX XXXX Reporting Format. After carefully reviewing my credit report, I have identified inaccuracies and discrepancies that I believe require your immediate attention. 

The following items are being disputed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Under the XXXX XXXX Reporting Format, credit reporting agencies are responsible for ensuring the accuracy and integrity of the information they report. It is my assertion that the mentioned derogatory information fails to comply with these reporting guidelines and has a detrimental impact on my creditworthiness. 

It is imperative that you adhere to the XXXX XXXX Reporting Guidelines in examining each disputed item. 

In accordance with the XXXX XXXX guidelines, I request the immediate removal of any verified accurate or unverifiable derogatory information from my credit report. Furthermore, I expect to receive written notification of the results of your investigation and an updated copy of my credit report reflecting the deletions made. 

I understand the importance of maintaining accurate and compliant credit reporting practices. Failure to address this matter in accordance with the XXXX XXXX guidelines may result in legal consequences, including potential legal action seeking remedies and damages under applicable laws. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the guidelines. 

Thank you for your immediate attention to this matter. I trust that you will handle my dispute in accordance with the XXXX XXXX Reporting Format, ensuring fair and accurate credit reporting.

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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 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 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