BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I called Comenity Bank to settle a debt, I spoke to a guy and he offered for me to settle both debts I had with their company, one being Express and the other Victoria Secret. The payments were arranged to be debited out of my account on XX/XX/XXXX, and they were debited. A few weeks later I received notifications of a change to my credit score, the Express was zeroed out and Victoria Secret was still charged off with a balance. I contacted comenity and explained. The rep told me they applied the payment to the wrong account ( the payment was applied to a XXXX account that was discharged in XXXX  ) and they would get it fixed. She stated it could take up to 45 days. I then called another month later, because I received a letter stating the payment was applied to the correct account and that was it. I spoke to another rep that stated the person prior did not word the investigation properly, on XX/XX/XXXX she opened another investigation asking that the investigator listen to my call and see that the agreement was to settle the debt for less. XX/XX/XXXX I called again and was told that the percentage the first person I spoke to was not enough to allow me to settle for less, I said that's the amount he told me so that's what we agreed to and that's what I paid. This is going on now month 4, they have reported to the credit companies again the payment that was meant to be a settled debt, they have re-reported my XXXX today 6 years on the accountthey applied the first payment to, on the very last phone call I had the supervisor told me I had 4 unpaid accounts, I told her those were part of a XXXX and she told me I am still liable for them. She would not tell me the out come of this current instigation, she told me it was closed on XX/XX/XXXX the same day I opened it. I just want this settled and closed. Please assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: MI
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 FS # XXXX & XXXX 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 explanation
Consumer complaint received 2021-08-16
Company: Lockhart, Morris & Montgomery Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have advised this company that this debt is not owed, however, they have place this on my credit report for the second time. I have shown proof of such, which was ignored. Due to the fact that the dates are incorrect as well as the balance on my credit report my next step will be to file suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX filed complaint with CFPB ( XXXX ), about lack of response from my inquiries to XXXX XXXX XXXX regarding debt settlement for Account # XXXX. 

XX/XX/XXXX XXXX XXXX reports the debt in question to the Credit Reporting Agencies with the status of " Collections ''. The last reporting of this debt by Midland was XX/XX/XXXX. 

XX/XX/XXXX Midland responds to my CFPB complaint indicating that I must communicate with their lawyer, XXXX and XXXX. I was judged " indigent '' by the XXXX County Circuit Court who reviewed this case and I have received no further communication from this lawyer. If XXXX XXXX is still actively reporting this debt to the Credit Reporting Agencies, the company should be able to contact me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Pursuant to the Fair Credit Reporting Act, I have given this agency written instructions to cease the reporting of accounts stated in the attached dispute letter and they have denied my request which violates the FCRA. My financial information is nonpublic information and I have a right to privacy as well as to opt out of the reporting as required by law. Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a to report those accounts.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Fraudulent accounts on credit reports 1. Us Department Of EducationXXXX {$5700.00} 2. Us Department Of EducationXXXX {$9400.00} 3 Us Department Of EducationXXXX {$5400.00} 4 . Us Department Of EducationXXXX {$1200.00} 5. Us Department Of EducationXXXX {$4100.00}

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 2023-05-23
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: NJ
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:
All this information on my credit report is inaccurate I did a dispute with the bbb better business bureau and they deleted ALL MY COLLECTION ON XXXX, Experian and XXXX this report showing its still there PLEASE DELETE THIS INACCURATE information THANK 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 2022-06-09
Company: WELLS FARGO & COMPANY
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I was scammed out of XXXX 
On the same exact date I filed a claim with Wells Fargo. I was denied. I appealed the case and I was denied again. I wrote a letter and I faxed them a lot of paperwork till this day a month and a half later I have never heard from Wells Fargo once I complain so much that they said theyre gon na get me in contact with the XXXX who handled my case. They said he will contact me within one hour. Still to this day no one has ever contacted me Wells Fargo has been very disrespectful and has continued to tell me there is nothing they can do for me there decision is final there is nothing I can do.

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 2023-09-02
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a Banking relationship for XXXX  years with Citibank which included bank accounts and multiple credit cards. I always conducted my business with CITI in accordance with their stablished guidelines. To my surprise and without any warnings on XX/XX/2022 I received a letter from CITI advising they were closing all my accounts, I went to the branch to request information and they said that the only way to request information was writing to the company. I wrote them a letter asking for the reason and the only answer I got was that they reserved the right to close my accounts. I feel that I was treated unjustly and at least I deserve to get an explanation. I had no overdrafts, always paid my credit cards on time and I consider myself to be an honest person, the way they closed my accounts made me feel like a criminal, specially after calling the XXXX  number where an account specialist told me that it could be for several reasons including money laundering.

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 2021-11-23
Company: EQUIFAX, 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:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section XXXX ( a ), It states that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. Its been over XXXX so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading XXXX XXXX XXXX. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence. 
Under XXXX XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX XXXX ( XXXX ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely. 
Under XXXX XXXX XXXX XXXX ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX XXXX for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: TX
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:
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 Number:XXXX has violated my rights. Or a 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 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2021-05-24
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: Investigation took more than 30 days

Complaint:
I have reached out to Equifax well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Experian Information Solutions Inc.
State: MD
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 XXXX of XXXX I paid off all of my credit card debt - some of which were settlements for less than the actual balance that was due. Regardless, they were all completely paid off to a zero balance. 
My husband and I are currently applying for an auto loan. According to our credit union ( XXXX XXXX ) and the credit report that THEY run ( which they claim is Experian ), one of my credit cards is still showing delinquent. It says Charge off delinquent. This is with XXXX card. Others on my report say settled, or something to that manner. 
I have contacted the XXXX company. I have gotten all XXXX of my reports. I showed them my Experian report ( and the dispute I filed with them ). Nowhere on any of the reports that I am seeing is it showing what their report is pulling. They are unwilling to accept any of the reports or proof that I can provide. I can not figure out though, how they are pulling the info that they are. 
They suggested that I contacXXXX XXXX which I did. I called and was sent through a continuous loop of automated prompts. I also went to their website, but can't find a way to actually file a claim or concern. I am to the point where I don't know where to turn for help. I do have copies that our credit union gave me to verify what they are seeing on their end. 

Attached is a copy ( XXXX pages ) of what the credit union gave to me. The blue highlighted areas are the concern they have with what they see. The XXXX page from them just shows contact info they suggested. The XXXX picture is of the screenshot from Experian showing that the account is paid in full.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several unauthorized inquiries on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). After reviewing my report, I have found several inquiries that I did not authorize, and I believe they may be fraudulent. 

As per the FCRA, I have the right to request that any inaccurate or unauthorized information be removed from my credit report. Therefore, I am requesting that the following inquiries be removed from my report immediately : XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX  : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX As I have no record of authorizing these inquiries, I believe that they may be fraudulent. I am therefore requesting that these inquiries be removed from my credit report as soon as possible, as per my rights under the FCRA. 

I would appreciate it if you could investigate these inquiries and take appropriate action to remove them from my credit report, in accordance with the FCRA. Thank you for your time and attention to this matter. 

Sincerely, 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 2022-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had my account closed after contactin a review of my account and it wasn't due to my credit worthiness. On that note, I would like the reopening of my account as I have done nothing wrong on my behalf and if so I would like capital one to address the matters that they are asking based on business concerns to my previous response that has violated their XXXX. What activity was done as the only activity used for this account was to pay bills so I would like the reopening of my account ending in XXXX this seems like a cover-up to hide the fact that they are in violation of FCRA laws and I am able to pursue legal action on this as they are closing my account with no such proof or disclose of this 'activity ' they are stating along with the fact my payment was never 30 days late and they are reporting absurd extra self harming information on my credit report as I am trying to go for a mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Lloyd & McDaniel, PLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX did not inform me of any verification of debt in an attempt to collect it, neither did their credit servicer, Lloyd & McDaniel PLC.  There was no explanation, verification of debt, or request. I wholly dispute all debts owed to XXXX XXXX XXXXXXXX XXXX on the fact that they have never communicated with me regarding the debt, nor has their debt servicer. As of today, I have been notified by an independent law firm that there is a debt collection pending in XXXX Superior Court 1. Without having ever received notification of debt, it is a violation of the FDCPA because I've never been permitted to dispute any portion of said debt or its contents. The collection is illegal and should be deemed as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I requested an investigation and update to my credit reports, the Credit Bureaus claimed they did a full 100 % accurate investigation, verified the debt and update my reports.

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 2021-07-23
Company: EQUIFAX, INC.
State: GA
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:
I reviewed a copy of my credit report and show inaccuarte information listed. I filed an FTC report and Equifax has deleted or blocked informtion. I show that Equifax has allowed the creditors to reinsert informtion back on my credit report without my consent and or I have not be contacted which the law states that creditors must send me a wirtten notice with in 5 business day of items being place on my report. This is a direct viloaton of 15 USC 1681 ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Company response to consumer: Closed with explanation