BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint that the credit reporting agency. I sent several disputes dated XX/XX/2023, XX/XX/2023, and XX/XX/2023. But Experian, XXXX, and XXXX have ignored my previous request and failed to maintain reasonable procedures in their operations to assure the maximum possible accuracy that states under 15 U.S.C. 1681e ( b ) in the credit reports they publish. 
Under 15 U.S. Code 1681i, Experian, XXXX, and XXXX have 30 days to complete the investigation from the date they received my dispute and send responses. However, I never received a response nor investigated the inaccuracy 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 explanation
Consumer complaint received 2020-08-28
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I went to Gander to purchase some items. I was offered a discount for applying for the store credit card. I thought it was a good deal, I applied, was approved, got my items and left the store. I started receiving regular calls from Comenity bank. Wasn't aware that they represented this card so I ignored the calls, thinking they were another company trying to sell me something. I got a bill in the mail stating I owed three times the amount of my purchase. I received another call this morning and asked for an explanation. When found out who and what these charges were for I paid in full and cancelled my account. I was charged {$64.00} in fees for a {$40.00} purchase. I don't know but that seems like predatory lending to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I attempted to pay my 10 student loans totaling {$360.00}, and they sent an email confirmation saying the payment was received. My loans were reversed and my loans remained delinquent. I have made multiple attempts to pay my loans and they reverse some but not all of my loans. My checking account balance has sufficient funds but they do not accept my full payment and this keeps my loans delinquent. They have not responded to me via email.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: TX
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.

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 2022-04-20
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:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
These accounts dose not meet the XXXX XXXX Compliance for reporting. 

Experian report number XXXX -XXXX XXXX XXXX  account XXXX .... 
XXXX XXXX XXXX account XXXX .... 
XXXX XXXX XXXX account XXXX .... 
XXXX XXXX XXXX account XXXX .... 
XXXX XXXX XXXX account XXXX .... 
XXXX XXXX XXXX account XXXX .... 
XXXX XXXX XXXX  account XXXX .... 
XXXX XXXX XXXX  account XXXX .... 
-XXXX  XXXX acct XXXX -XXXX  XXXX acct XXXX XXXX XXXX account XXXX .... 
XXXX account XXXX XXXX. 
XXXX XXXX XXXX account XXXX .... 
XXXX XXXX XXXX account 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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I purchased a XXXXXXXX XXXX and paid for the part up front and put the rest on the balance on a new XXXX XXXX XXXX XXXX XXXX Unfortunately, I had to return the XXXXXXXX XXXX about a XXXX later. I had paid XXXX XXXX  payment on my XXXX XXXX but after I returned the item I was told the card would be refunded the full balance and I would get a check back for my XXXX XXXX payment which was considered an over payment. It took XXXX XXXX XXXX to credit my XXXX XXXX XXXX account and I never got my refund check for the over payment.

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 2018-12-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
every year i tried to get my credit report i being denied by equifax they demand photo id utility bills etc i mailed every year but no response from them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: NY
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:
To whom it may concern, I hope this time someone will help me resolve my issues concerning these 2 fraudulent accounts that have no valid authorization from me. Some have made use of my personal information and I kept reaching out to the credit bureaus with my Identity Report attached to my XXXX 's letter but nobody has taken this concern seriously.

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 2023-07-11
Company: Experian Information Solutions 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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, 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 2023-06-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX reported multiple late payments on my accounts, however I was in the process of applying for federal student loan forgiveness and consolidation and was in the process of transferring this loans to the Department of Education. The loans were officially taken over by the department of education at the end of XXXXXX/XX/2022, but XXXX reported multiple late payments to my credit score during the transition process in XXXX and XXXXXX/XX/2022. I am trying to refinance my home to pay for damages to my roof and because of these items my lender will not approve this. On top of that, despite the credit reporting being of no fault of mine due to the active transfer process, I was severely injured in a car accident in XX/XX/2022. I am a XXXX that was working COVID Crisis assignments in XXXX all over Florida and was in an accident leaving me unable to walk for almost four months, and had no I come at this time. I am a single mother of XXXX children and I paid the necessary bills to survive, none of which included the loans from the XXXX XXXX as the account is closed and transferred, and I was told due to the pending legislation for student loan forgiveness for nurses, no payment is due at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: TX
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:
Im trying to dispute because I've already reached out to the CRAS for validation of this alleged debt and if can't be verified would like this to be deleted they have yet to meet the demand in verifying or removing the 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 explanation
Consumer complaint received 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for an apartment today XX/XX/20 and unfortunately I did not get approved because apparently there are several accounts in negative standing appearing on my credit. I was not aware of these accounts because none of them belong to me. The accounts are from the following companies. XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I have never opened an account with any of these companies nor have I given anyone else permission to open an account with these companies on my behalf. I do not have type of contract with any of these companies ; I did not benefit anything as a result of these accounts being open in my name without my permission such as money, goods, services or any other benefit and I am not responsible for any of these debts. I filed a complaint with the Consumer Financial Protection Bureau as well as filed a police report regarding these unauthorized 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 explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: FL
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: Experian Information Solutions 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:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : - XXXX  XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$4700.00} XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Balance XXXX {$4400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/20XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2XXXX XXXX XXXX  Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 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 2023-08-25
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. This a violation of my rights. In accordance with the Fair Credit Reporting act XXXX  Account # XXXX # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: LA
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'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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
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 items ( A ). It is not permissible to fail to validate these reporting items 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 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 explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXXXXXX XXXX Balance {$9500.00}

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 2022-02-01
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX XXXX I got a notice from ID Notify that my social security number had been found online. I talked to ID Notify and place 1 year fraud alerts at XXXX, XXXX, and XXXX. I filed a police report as well as a report at ssa.gove. I didn't think much of it after that and felt like I had done what I needed to do. Fast Forward to XXXX .... XXXX. In XXXX, I got a package of checks, a debit card, and an account statement for an account at TD Bank. This account was in my maiden name with current address and old phone number. XXXX. I called and asked them to close the account but never received confirmation. XXXX. I called their fraud department to confirm account closure. I never received written confirmation and was told I would not since I " did not open the account. '' XXXX. Following this incident, I placed a security freeze AND 7 year fraud alert at the following places in XX/XX/2021 XXXX XXXX XXXX ( only 1 year due to error* ) XXXX XXXX XXXX XXXX XXXX lost my paperwork for the 7 year fraud alert, so there is only a 1 year alert. I sent it to the address on the form and when I called to confirm, they said I needed to send it to a different address. The XXXX fraud department says to mail paperwork to XXXX XXXX XXXX but the global consumer service dept says to mail the forms to XXXX XXXX XXXX ( same address on the extended fraud alert form ) I called 3 times, and no one could ever help locate my paperwork and they don't have a system in place to even address that, and I never got consensus on the correct address. At the same time I mailed the XXXX paperwork, I mailed XXXX and XXXX with no problems. XXXX. I also placed a 5 year opt out of all offers for credit cards and loans and insurance at optoutprescreen.com. XXXX. I worked with a " Restoration Officer '' from XXXX. She confirmed I had taken all the necessary steps. XXXX. Now, XX/XX/XXXX, I received a second packet of checks for TD Bank with a different account number... I called and asked them to close it. They said they did and that they " filled out a report '' but they can not give me any written confirmation " since I did not open the account. '' I don't feel confident that either accounts have been closed, as I have not received confirmation. I also am very surprised that with all the precautions I have in place TD Bank would even allow for an account to be opened in my name without confirming.

Company response to consumer: Closed with non-monetary relief