BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: EQUIFAX, 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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 2019-06-29
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 is missing that should be on the report

Complaint:
Dear CFPB, XXXX has made a huge erroneous mistake on my credit report, as you may know I have been disputing items on my credit report. XXXX open a dispute for my two credit cards that I just opened two months ago with XXXX XXXX XXXX and XXXX, now it has been deleted off my credit report!! deleted from XXXX credit file and Transunion credit file, XXXX is not reporting this months balance. I NEVER disputed these account as per letters I have sent copies to CFPB, I ask XXXX XXXX to please disregard this dispute as it was an error done from XXXX ( I'm trying to built my credit and need these accounts to reflect on my credit file ) If possible to please start reporting again on all 3 credit 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 2019-06-29
Company: USCB, 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:
Dates : XXXX : XXXX, XXXX XXXX : XXXX, XXXX, ongoing Amount : {$1000.00} On XX/XX/XXXX I sent a letter to the company to identify why this collection account appeared on my credit report. On XX/XX/XXXX, XXXX XXXX from J & L Teamworks received the letter via certified mail ; however, to date I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for the Chase XXXX XXXX XXXX with the following offer : XXXX XXXX XXXX  : Earn XXXX bonus miles after you spend {$4000.00} on purchases in the first 3 months from account opening. 

I have not received this sign on bonus after spending over {$4000.00}. I contacted Chase multiple times about this and have been told that I do not meet the requirements. After I asked about the requirements, they said I needed to spend {$5000.00}. This is their current sign on bonus offer but not the offer that I initially accepted. They are refusing to look further into this. Also while on the phone, I was verbally told that I met the sign on bonus by the operator before being told by a manager that I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My ex- husband of 8 years received a call from XXXX last night XX/XX/2018 from a XXXX in regards to a urgent business matter. The voice message that was left on HIS phone he sent our daughter ( as we do not speak ) stated they left me 31 messages and time is running out to help me. That he needs to call ext XXXX on my behalf to make a decision for me by XXXX last night or they were going to take the case to next level. I have received numerous phone calls and some messages, but the numbers always change and messages are rarely left. I am unsure who they are or what they are calling for, but I do not appreciate them calling and leaving messages to my ex husband if it is truly about my financial matters!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: CT
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: U.S. BANCORP
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I realized XXXX  was running a scam, so I called Elan Financial Services whom I have a XXXX XXXX XXXX  XXXX XXXX card with and told them I was finished doing business with XXXX because they are running a scam, so dont let XXXX charge my card anymore, and I got my credit card number changed with Elan , and I asked them not to let XXXX know my new credit card number! 
Elan gave XXXX my new credit card number and allowed XXXX to charge my card unauthorized charges in the amount of {$450.00} on XX/XX/XXXX. I tell Elan Services these are unauthorized services, and Elans rep tells me the {$450.00} cant be unauthorized charges : because, I have used turo before : which makes no sense! 
Elan needs to credit my card for these unauthorized charges from XXXX for {$450.00}! 
Now today Im finding out that there are several unauthorized charges on this Elan Financial Services credit card up under recurring which Ive never noticed before and they still have XXXX  up under recurring : eventhough, I told Elan on XX/XX/XXXX that I no longer do business with XXXX. 

Now I want all these recurring merchants and unauthorized charges taken off my account and I need to be credited for all these recurring charges except for the XXXX charge from XXXX XXXX XXXX. Unauthorized charges are XXXX XXXX  {$410.00} XX/XX/XXXX, XXXX XXXX {$200.00} XX/XX/XXXX, XXXX {$190.00}, XXXX XXXX {$9.00} XX/XX/XXXX, I dont remember XXXX XXXX XXXX being {$54.00} on XX/XX/XXXX, XXXX {$450.00} XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX {$42.00}, XXXX XXXX {$400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$19.00} XX/XX/XXXX, XXXX {$13.00} on XX/XX/XXXX, XXXX XXXX {$50.00}

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 2022-10-08
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I contacted Bridgecrest bank in Arizona. I paid off my loan. Im trying to purchase a new vehicle. The loan is at a XXXX balance. They gave me a letter stating that the loan was it a XXXX balance I needed the lien removed so I can purchase my new vehicle, theyre claiming that there is a 10 day hold on it which I get but I dont get because they were worried about the money not clearing but they couldnt let me a title either way because theres a XXXX balance on it. I have a letter stating that my XXXX  XXXX XXXX  was paid in full and had a XXXX balance they refused to take the lien off of the title, so that I can proceed with my new loan for my new vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I contacted Comenity bank at XXXX on XX/XX/XXXX advising I was being charged interest when it was supposed to be a promotional period. Comenity took over from XXXX for the XXXX extra points card in XX/XX/2022 and I have had nothing but problems since they took over the account. There was supposed to be a promotional period for each box office transaction for tickets for the XXXX over {$250.00} for six months no interest ( please see attached photograph from the website ). The bank has not held true to the published statement, nor have they responded to my complaint filed on XX/XX/XXXX. I was advised on the call on XX/XX/XXXX that the interest that was charged in error would be removed and the promotional period would be in stated. Neither of these actions has taken place, in fact you will see where the XXXX XXXX and XXXX statements all show interest being charged even though I have complied with the requirements for the promotional period. I called Comenity again on XX/XX/XXXX and was advised that nothing has been done with a complaint, they have 60 to 90 days to respond to that complaint, and I just need to be patient. I advised them that it had been 60 days at that point and I still have no resolution nor have I received any correspondence from them with the exception of my statements. I would like all of the incorrectly charged interest payments to be removed from my account and all balances that should be applied to the promotional accounts applied correctly. My call reference from XX/XX/XXXX call when I spoke to XXXX is XXXX, and in that conversation I advised I would file a complaint if I did not hear anything back from them by Friday, XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-11
Company: LEXISNEXIS
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a judgment against me from XXXX County Courts in XXXX, GA. I use to live in an apartment complex and left which caused me to break my lease. I have tried to settle the balance but have not been able to reach the company ( XXXX XXXX XXXX or XXXX XXXX ). I called XXXX XXXX several times ( from XX/XX/XXXX to XX/XX/XXXX ) and they gave me the run around about how to pay and who to pay. The last time I called, I found out that another company now manages the apartments. I reached out to XXXX County Courts and they advised me to contact the lawyer for the case. I contacted the lawyer ( XX/XX/XXXX ) but did not receive a return message. I am stuck because I have been trying to settle this account. Because of this, I have been denied apartments because of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: CA
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:
XXXX has yet to remove fraudulent accounts and fraudulent inquiries from my credit report. They gave me a List of items needed Ive produced it many times and they are not working with me, they refuse to be fair, and their investigations has all taken longer than 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: EQUIFAX, 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account was opened in XX/XX/XXXX and closed in XXXX. This surpasses the statue of limitations for reporting to credit 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 2022-10-09
Company: EQUIFAX, INC.
State: OH
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 XXXX, Equifax, and XXXX XXXX, theyre reporting my student loans from XXXX XXXX as late which is untrue. I sent several letters stating that there should not be late payments and they refused to update their records. This was sent in XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have tried some banks and tried opening checking accounts and got rejected due to XXXX, however XXXX reports is clean as I requested and went over with representative. Opened a checking account at chase and one week later they call me saying I had an account before with bad checks that they would have to close it I HAVE NEVER HAD CHASE BANK EVER. I had the same issue with XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone stole my information and opened and created negative accounts fraudulently and applied and created all kinds of inquiries in my name ... ..

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 2023-08-22
Company: Experian Information Solutions 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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2021-03-12
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have called and sent emails with no one responding to either. I was looking at my account and I saw something noted that I agreed to pay approximate {$3500.00} for 4 straight months beginning on XXXX. I have not agreed or seen such document saying such and would not agree to anything like that. I am current on my mortgage payments but had previously submitted an application about 3-4 months for loan modification and/or assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
{$450.00} XX/XX/2020 Caine & Weiner are pursuing to collect a debt from me but are not licensed to do so in the state of Pennsylvania.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 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 2022-10-09
Company: Experian Information Solutions 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:
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 non-monetary relief
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX - I paid this account in full and was settled by court. Still showing on my credit report. I need this account deleted ASAP from my credit repost.

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 2022-10-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX - Still on my credit report and this account was settled by court and I send the documentation a few times. I want this account deleted from my credit report.

Company response to consumer: Closed with explanation