BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: IL
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:
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a 30 day late payment reported for XXXX of 2016. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: NJ
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:
My credit reports states that I have not made a payment on my car lease for over 30 days back in 2017, when in fact my car was traded in for another vehicle and the dealer that took over the vehicle in question did not pay it out on time. Nevertheless, legally I I did not own that vehicle at the time of the payment default.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: FL
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 XXXX  Account XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: VA
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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: Complete Credit Solutions, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is my second attempt to have this removed/deleted from my credit report. The date of account opening and balance being reported are 100 % inaccurate. Sec. 623 of the FCRA covers the reporting of 100 % accurate information. I have notified COMPLETE CREDIT SOLUTIONS , INC ( CCS ) of the inaccuracies and they have continued reporting the same incorrect information. The date on the " receipt '' they sent to me as proof of debt states the account was opened on XX/XX/XXXX but XXXX is reporting it as XX/XX/XXXX XXXX, XXXX, and XXXX. It also states a total balance of {$1000.00}, XXXX however is reporting that I currently owe {$2500.00}. That is two clear strikes against this collection agency violating the FCRA.

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 2023-06-04
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: Credit inquiries on your report that you don't recognize

Complaint:
Hi, I am not familiar with the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU 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 2021-03-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I sent in letters regarding inaccurate reporting false items on my credit report and I have not receive any respond yet. I feel like I'm being ignored of my disputes. This deceptive practices by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

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 2018-05-21
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
Sometime in XX/XX/XXXX I tried to use my American Express XXXX XXXX and to request for a credit increase. It was denied. I then called their call center and a representative told me that sometime in XX/XX/XXXX I should recieved a letter starring that American Express will be discontinuing the XXXX program and that all American Express cardholders accounts will be closed. My account closed?! I never recieved such a letter. Therefore I was informed by the rep that I will continue to make payments on the account, but I will be unable to use the credit card to make any charges. This was completely absurd and quite unfair to the consumer. I didnt even have the card for a year and American Express closed my account. The rep informed me that I had to reapply for a regular American Express Card, which they would have to go through the very same process as when I first applied for the card. I was quite insulted and irate about the whole situation, but then it gets worse. I then get a billing statement dated XX/XX/XXXX for the total amount due of {$1100.00} and with the minimum amount due of {$330.00} with a due date of XX/XX/XXXX. With the due date, there is a footnote stating If we do not recieve you minimum payment due by XX/XX/XXXX, you may pay a late payment fee off {$38.00} and your APR will increase to 29.99 % in penalty. 
Then I get a letter from XXXX XXXX XXXX, a professional Debt Recovery Agency. The date of the letter is XX/XX/XXXX. The creditor : American Express with the total amount due of {$1100.00}! Thats TWO DAYS after Amex submitted the billing statement I have been turned over to a collection agency and with a completely different total amount due! And it gets more interesting : I then get a letter from American Express thats dated XX/XX/XXXX informing me that my account has been transferred over to the collection agency XXXX XXXX XXXX with a total amount due of {$1100.00}! This letter was printed after THREE DAYS AFTER I GOT THE COLLECTION LETTER! WHATS GOING ON HERE?! WHAT HAPPENED TO THE ORIGINAL DUE DATE OF XX/XX/XXXX ON THE STATEMENT?! As a consumer I feel cheated. First American Express cancels the XXXX program and cancels my card without notice, then American Express cant wait to send me to collections and post to my credit report?! Quite unfair, impatient, smarmy banking/business practices! Very lowbrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit reporting 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:
A hard inquiry has been on my account since XX/XX/2022 from Kohls and I dont recognize it and I believe it impacted my score and dropped it and it shouldnt be on my credit report I have never used any credit cards from kohls or anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
A Trial Deposit Has Been Successfully Made to Your AMAZON CREDITBUILDER email from synchrony bank, synchrony bank automated phone system won't connect to a live rep for anyone including credit card support lines. After digging through a few synchrony bnak issued credit card numbers I was able to reach a live rep to tell me its a systemwide glitch. Alot of hours wasted thinking there was fraud on my account. 

Official Secured Message Resonse Dear XXXX XXXX XXXX We value your business as a Synchrony Bank customer. Synchrony is currently investigating an unplanned customer notification that is affecting some consumers. We are currently investigating the root cause and we apologize for any confusion. You do not need to take any action at this time. 

If you have any additional questions or concerns, please feel free to contact a Specialist at XXXX. 

Thanks again for choosing Synchrony Bank. 

Customer Service Representative -- - Original Message -- - From : " XXXX XXXX XXXX '' XXXX Received : XX/XX/19 XXXX XXXX  EST To : XXXX Subject : General Service I  attempted contacting you by phone, but the call keeps getting disconnected by your automated system. I got this message by email & amp ; quot ; A Trial Deposit Has Been Successfully Made to Your AMAZON CREDITBUILDER & amp ; quot ; in my email, I do not have an amazon creditbuilder account, neither do I have a credit card with amazon. Help please!

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: Porsche Financial Services, Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I got a30 day late reporting to the credit bureaus. I was never contacted by XXXX XXXX XXXX about this late payment. My credit history has always been impeccable and I have never had a 30 day late. When I spoke to a supervisor after I notice my credit report she said she could not reverse the action. When I asked why I was never contacted she had no answer. Since that event I enrolled in auto pay so this will never happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: IN
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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Inquiry date XX/XX/2022, XXXX Inquiry date XX/XX/2022, XXXX XXXX Inquiry date XX/XX/2022 & XXXX Inquiry date XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: OK
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:
The following accounts are inaccurate on my report Accounts 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 explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX Equifax database was breach and the courts have ordered them to settle. My personal information was apart of the XXXX millions of people impacted. I discovered the information on XX/XX/XXXX and went to Equifax website and found out that I am a victim of identity theft and a cyber crime due to my personal information was stolen from the computers of Equifax. I have started the process to protect my information by filing identity theft report, police report and have paid for classes to help educate me on the law and the processes of claim. After going over bank statements and credit reports there are discrepancies I am investigating. It has been a overwhelming process and a very scary scenario. I fear that cyber criminals will continue to use my information, therefore I will be negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX XXXX XXXXccount Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : 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 2022-07-05
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I can not pay this debt because I can not get a stable income since I got XXXX  early XXXX  this year. I have tried multiple times to get it waived and I don't have any insurance any more. I am broke and my employer may have just fired me right after I filed a report against a coworker. I need this debt waived because I can not pay it in a reasonable time. I do not want this debt anywhere near. I need this gone. Stop sending mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: CL Holdings LLC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$2600.00} ; XXXX XXXX XXXX Balance : {$930.00} ; XXXX SELF-REPORTED XXXX Balance : {$150.00} ; Medical XXXX Balance : {$1300.00} ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX
XXXX XXXX-XX/XX/XXXX
XXXX XXXXXX/XX/XXXXThese inquiries were unauthorized done fraudulently without consent.

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