BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2022, First Citizens Bank put a charge of Reimbursement on my Account because I had a credit charge of {$25.00} on it for a long time. It's been almost 9 months, and I still haven't received that money in form of a check, or transfer to my another account already linked to First citizens bank. I have not received that Credit Reimbursement money in any form, and it's been a long time. Please help me get my {$25.00}. Thanks. I changed my address from what's in the attached document to the address I will enter on last page, but I haven't received the money in any of the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never gave permission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX to run my credit. These inquiries are all fraudulent. I sent out letters to XXXX and XXXX multiple times. This is fraudulent. I am sick of this.

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 2023-05-24
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXXXXXX

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 2020-01-16
Company: Experian Information Solutions 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:
Experian and XXXX  are incorrectly reporting a collection on XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have been served regarding this account and the account is also currently being reported on XXXX XXXX and consequently should NOT be reporting on my credit report. I was also told this collection account would not appear on my credit report. I was not aware this account was showing as a collection until I obtained a current copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2023-08-07
Company: GOLDMAN SACHS BANK USA
State: MS
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 multiple accounts on my credit file that were disputed and should be blocked from my credit file. I have followed up with the creditors and they have complied with my dispute, but XXXX, XXXX and XXXX has not removed these accounts, hence this complaint. Please forward this complaint to each Bureau along with a demand for them to honor my demand to block information from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX Balance : {$2.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, 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:
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.

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

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX 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 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XX/XX/XXXX, I experienced the following : - My name was added to a credit card as an authorized user - The statement was set to generate XX/XX/XXXX. 
- The balance was paid, leaving approximately a {$50.00} balance - The payment was made via phone, because the online system was malfunctioning - The customer service rep advised us that payment would be applied and posted that day That did not happen and the credit card reported with a much higher amount, a maxed out balance. This is a problem for me, as I am in the process of closing on a mortgage. This reporting of the incorrect balance has dropped my credit score 40 points. I need the balance updated with all 3 bureaus.

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 2023-05-24
Company: Experian Information Solutions Inc.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-08-17
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a customer of XXXX XXXX for Internet services from XX/XX/XXXX to XX/XX/XXXX, I was at XXXX XXXX XXXX XXXX. XXXX XXXX didn't send me bill for the first 3 months and did cut off my XXXX, when i called they said i didn't pay the bill. I asked for email communication of the bill than paper and also mentioned that i did not receive paper based bill. 
When the representative double checked they told me that they had wrong address in the file. Later i cleared the bill, this happened multiple times, NO bill to address, NO bill via email or link to pay but they say all of a sudden i owe $ XXXX {$250.00}. But i made sure that i pay it. 
Finally, when i moved out of the house there was no balance is what i thought, as i called and cancelled the service too. An year later, around XX/XX/XXXX i got a call from collection agency, i reported dispute saying that, XXXX never sent bills and asked me to pay. Later the collection agency called and said your credit will be effected we will report it and i told i'm fighting for it you can not report until i get answer. Later to save my credit history i paid the amount. 

Today, i still see that in my collection account and as derogatory mark which is hurting my credit score very bad. I'm frustrated on the collection agency and XXXX XXXX for poor communication and even after i paid the amount having record. 
I'm sure they must have had all the recording of my phone call, and if they could provide them i can show you how many times i corrected the address and they had wrong one and didn't send me bill. Please help me clean this dispute from my credit for something that the service provider and their poor workforce done mistake.

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 2023-08-07
Company: OneMain Finance Corporation
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:
This credit card account was reported lost/stolen. However, upon reviewing a copy of my credit report, this is account is still negatively affecting my account as " Negative and late payments. '' ( See attachment below ). 
I have already reported this to the XXXX credit agencies to correct this, however, it has still not been removed. See letter below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX XXXX # XXXX XXXX 
Late Payments : XX/XX/2023, XX/XX/2023, XX/XX/2023. 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Thus, please delete the above late payments from my consumer report, as this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXXXXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, and XXXX XXXX XXXX Account 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 2021-10-14
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2020, I received a payment in the amount of {$35.00} via my Paypal account. The payment was recieved from XXXX. XXXX is an American Company dedicated to fitness and exercise. Paypal will not release the payment to me. After repeated calls to Paypal over the past 12 months, I receive the same excuse, " Our Compliance Department has to look into the matter ''. I am told I will receive email updates and never do. I have been given no reason. 12 months have passed and Paypal has been unable to figure out a {$35.00} transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
1 ) Between the months of XXXX XXXX, I made an over payment to my XXXX XXXX  XXXX XXXX XXXX XXXX in the amount of {$950.00}. 
2 ) On XX/XX/XXXX I relocated from : XXXX XXXX XXXX, XXXX, VA XXXX and relocated to : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 
3 ) In XX/XX/XXXX, I contacted Comenity Capital Bank in reference to receiving my new XXXX XXXX XXXX issued by Comenity Capital Bank and during this telephone conversation the Comenity Capital Bank Customer Service Representative told me that I had a credit of {$950.00} and placed a dispute on my behalf, in order for me to receive my credit of {$950.00}. 
4 ) In XX/XX/XXXX XXXX XXXX XXXX issued me a refund check in the amount of {$950.00}. 
Note : To date, I've not received a refund check nor have I cashed a refund check from XXXX XXXXXXXX XXXX in the amount of {$950.00}. 
5 ) On XX/XX/XXXX, XXXX  XXXX XXXX stopped all XXXX XXXX XXXX transactions. 
6 ) In XX/XX/XXXX, Comenity Capital Bank took over issuance and servicing of the existing XXXX XXXX XXXX from XXXX  XXXX XXXX. 
7 ) In XX/XX/XXXX, a Comenity Capital Bank Customer Service Supervisor instructed me to contact XXXX XXXXXXXX XXXX in reference to {$950.00} refeund check issued to me from XXXX XXXX XXXX. 
8 ) A XXXX  XXXX XXXX supervisor told me that XXXX  XXXX XXXX had no records of my XXXX XXXX XXXX XXXX and that everything XXXX  XXXX XXXX had involving the XXXX XXXX XXXX XXXX  program was provided to Comenity Capital Bank to include all the historical records and the issued refund check. 
9 ) The XXXX  XXXX XXXX supervisor also told me that Comenity Capital Bank could verify that the refund check was not cashed, perform a stop payment on the refund check and re-issue me a refund check and that it shouldn't take Comenity Capital Bank months to refund me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Oliver Adjustment Co.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Oliver Adjustment Company, This company is reporting to the credit bureau {$1900.00}. I have insurance during that service but did not send the bill to my insurance. But they billed me instead. I have called my insurance company and ask them if this company ever filled a claim they said they have never recieved anything from this company but they are billing me and reporting it with the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I filed a complaint with a representative over the phone regarding this matter already. Due to a mobile deposit back on XX/XX/2022, did not clear after 3-5 business ( not including weekends ) having many transactions being declined. Also, charging {$30.00} stop payment fees for every merchant knowing that I have overdraft protection ( not allowing for transactions if there's no available money in the account. I decided to close my account due to many discrepancies as when clearing in the 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 monetary relief
Consumer complaint received 2021-10-14
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
National Credit Adj is reporting a collection account to my credit reports. They did not send a notice or provide an opportunity for the debt to be validated or disputed. I mailed a certified letter to the company requesting validation of the debt on XX/XX/XXXX XXXX They did not respond and continue to report the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Experian Information Solutions 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:
To whom it may concern, I have been trying to get inquiries removed for a while now that i never made a few times now. The last time i went to cfpb they sent me a file when closing saying not enough proof so this time i took pictures of the inquiry 's in question. I am being hit with a bunch of them that I never made. All of the following needs to come off my credit report XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX  XXXXnquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXXXXXX 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