BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: PA
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:
Its has been since XXXX of XXXX to current, I have sent individual FCRA Section 604 letters out to dispute and request written evidence of specific hard inquiries and FRAUDULENT/INACCURATE Accounts on all the Credit report to EXPERIAN. I notice several companies that I do Not recognize nor authorized consenting to.The letter detailed the specific Unauthorized FRAUDULENT Accounts, INACCURATE Accounts, and Inquirys in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau , EXPERIAN. Below are the detailed Unauthorized FRAUDULENT/INACCURATE Account and Unauthorized FRAUDULENT Inquiries I asked to have investigated in early XX/XX/XXXX to Current days date. Unauthorized FRAUDULENT/INACCURATE Accounts XXXX. XXXXXXXX XXXX XXXXXXXX and XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXUnauthorized Inquiries XXXX. TXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please verify these credit inquires that pulled/ viewed my credit without my permission. Within 5 business days in compliance with FCRA. EXPERIAN has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2023-08-24
Company: Experian Information Solutions 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: 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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Community Health Investment Company, LLC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill today address to Me, except it had my boyfriends name added to the end of mine. The bill is my boyfriends bill. In the body of the letter is states the patient is my boyfriend, account number, service date and amount owed.     I called to ask why they are sending me a bill for his account, and advise them that they ca n't just add a name to someone else 's bill and say it now is this persons bill and this person is responsible because they say so. They kept asking me what his dob was. I would n't provide it.     First, it 's against the law for them to be discussing 'his ' account with me, it violates his privacy act, and HIPPA  XXXX      Second, if they sent me the bill and state that it 's mine, they can have my information and we will discuss it. I am not providing someone else information to them. They would n't discuss anything further and second time I called t he manager realeased the call for not providing 'his ' SSN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX  XXXX, account XXXX XXXX  XXXX, account XXXX XXXX  XXXX, account XXXX XXXX  XXXX XXXX, account XXXX XXXX XXXX XXXX  XXXX XXXX  , account XXXX XXXX XXXX, account XXXX XXXX  XXXX , account XXXX XXXX XXXX XXXXXXXX XXXX, account XXXX XXXX  XXXX XXXX XXXX, account XXXX XXXX XXXX  XXXX, account XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I am writing to inquire about the {$320.00} new checking account opening bonus in relation to my recent checking account that was opened on XX/XX/XXXX with Wells Fargo Bank. My Promotion Code is XXXX. 

As per the requirements for the account opening bonus, I completed a Direct Deposit transaction on XX/XX/XXXX, totaling {$1000.00}, within 30 days of opening the account. However, to my disappointment, I have not yet received the promised bonus despite waiting for nearly 4 months. 

I attempted to reach out to the customer service department of Wells Fargo and was informed that the bonus had been rejected. However, based on my understanding and compliance with the bonus conditions, I believe I am eligible for the account opening reward. 

I sincerely hope you can assist me in resolving this matter. As a new customer, I hold a positive trust and expectation in Wells Fargo and aim to build a strong partnership with your bank.

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 2019-05-27
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
A Barclays Card issued by XXXX XXXX to my late wife showed an XXXX charge from XXXX XXXX in XXXX XXXX, TX. 
I notified Barclays Bank of the following problems with that charge : 1. Neither my wife nor I have been in Texas for at least four years 2. I canceled said card as my wife 's PoA Agent by certified/return U.S. Postal Service letter dated XXXX XXXX, 2018. 
3. As part of said cancellation, I reported that I had physically destroyed all of her credit cards, including the one used in XXXX XXXX. 
4. Barclays acknowledged said cancellation by letter dated XXXX XXXX, 2018. 
5. I froze my wife 's credit-rating accounts with XXXX, XXXX, XXXX   and XXXX in XX/XX/2018 and they remain frozen to this date. 
6. My wife died on XXXX XXXX, 2018. 
Nevertheless, I received a second billing dated XX/XX/XXXX for the spurious charge. 
I have received no acknowledgement from Barclays Bank to either my report of fraud or my request for corrective action. 
The account and card remain active and open for further abuse as far as I can tell.

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 2022-09-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022, I sent a letter to the courthouse asking if they report bankruptcy information to the credit bureaus. I received a letter from the courthouse stating that they do not report bankruptcy information to anyone. So how did the credit reporting companies verify my bankruptcy as 100 % accurate? They never did a fair investigation as stated by law 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( E ) ( 3 ) States ; " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer character. general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such item of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They violated my rights on numerous occasions.

Credit bureaus violated my given rights under 15 U.S.C 1681.

According to 15 U.S.C.1681 Section 602 A States I have a right to privacy.

According to 15 U.S.C 1681 Section 604 A States a consumer reporting agency can not furnish an account without my written instructions.

According to 15U.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 2020-03-24
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Discover financial services, claim I owe them {$1400.00}, Ive tried to tell XXXX  that this account isnt mine and I want them to delete off of my credit report and they have refused to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: EQUIFAX, INC.
State: KS
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:
I bought a car from this company 6 years ago. Upon receiving the car I had to take back a few times because of maintenance issues with the car. Dealership wouldnt fix the car until I reported to the owner. Owner of the company made them fix the problem which is persist the whole time I had the car. I dealt with this problem for 5years of the loan. I was late a few times on my loan and was a great customer. Maybe, the last 5-7 months of the loan I wrecked the car. I was out of work for a bit due to the wreck of the car. I owed around 900 of a XXXX loan and was to the end of the loan. Company was mad for me not paying the XXXX. That I owed! My plan was to pay in one payment when I received my payment for insurance. My car was reported as a charge off before 180 days of a reporting time for a charge off. I talked with someone from the company but didnt get it in writing thinking they would delete the information once paid. I was a great customer and paid my car up until the end of the loan. I only owed XXXX and I felt I was done wrong for that payment. I was stuck with a charge off on my record for 6 years now and I have been getting jacked up loans because of this treatment. This company wouldnt approve me for a new car but sent a letter 6yrs later saying Im approve for a car. The way this company treated me for XXXX I would never send a family member to them. I think the prey on people with bad credit and treat them wrong when someone falls on hard time. I didnt deserve 6years of charge off on my account for XXXX dollars I paid. Would have been nice to Have this removed so I can move on with my life. If I would have known not to trust a company when they put charge off and say they would erase once received payment. Next time get it in writing on anything they say over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: AZ
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Dear Transunion I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me | have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 168 lilal? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts 1.Account Name : XXXX XXXX Account Number : XXXX XXXX Name : XXXX XXXX Account Number : XXXX 3.Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my report. 

I also read where I can get the updated report after you investigate this from the free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as we the investigation outcome to be sent to my address I put on the from area. Thank you for your time and help in this matter.

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 2017-05-12
Company: JPMORGAN CHASE & CO.
State: DE
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I was scheduled to return my car lease but my tire blew out and the car needed repair. I informed the dealership that I would return the c ar one day late, which I did. Because the car was returned one day la te, the original creditor,  JP Morgan   Chase,  marked the account as a " charge off '' and also a late final payment. Because of this, my credit report has been destroyed.     The irony is that I ended up buying the same car at lease end. It was financed through the same bank ( for extremely high interest rat e ) a nd so they are actually benefiting from destroying my credit report.     I have all necessary documentation, including proof of both the tire blowout and my contact with the dealership. I 've provided it to  JP Morgan but t hey 've declined to help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 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 2020-03-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery services has been taking XXXX dollars from my bank account every month for a debt i have to XXXX. Everything was going fine, but XX/XX/2020, the amount went up from XXXX to XXXX. This is even reflected on my credit report. I spoke to portfolio recovery services on XX/XX/XXXX and they said it was a system glitch and it would fixed shortly, but it hasn't been fixed and it is negatively affecting my credit report by having an account in collections increase in balance owed. i do not feel they will resolve the problem if i contact them a second time that is why i am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Bread Financial Holdings, Inc.
State: CA
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 Comenity Capital Bank  Account XXXX XXXXXXXX & XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-19
Company: Synovus Bank
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
First Progress has accepted payments for my 2 credit card accounts and has failed to credit my accounts. I have always made the payments using bill pay from my bank account and the payments process has never been an issue. I also have NEVER been 30 days late with these 2 accounts I have with First Progress. I processed my payments for my accounts via my bank account on XX/XX/2023, and my bank confirmed that First Progress accepted those payments on XX/XX/2023. My payment never posted to my account and First Progress has taken my money. I spoke with several representatives from first progress that assured me that my account would not reflect 30 days late if I faxed over the proof of my payments being sent from my bank account. I sent them over the information requested a total of 3 times via fax and First Progress has still not removed these late payments from my credit report. They have not posted the payments to my account and have not returned the funds either. I demand my account be changed on my credit report to reflect always paid as agreed, removing the 30 days late. I have attached the information for your viewing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried twice to remove inaccurate addresses and names from my Equifax report, but for some reason, this hasn't been handled. Please look into this issue for me, I am in fear of identity theft on all three bureaus. I have attached my current driver 's license, all information on the license is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
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 sent multiple Letters but my Dispute is still unheard i dot not receive any responses about my dispute. You have thirty ( 30 ) days from receipt of this notice to respond. The Accounts are Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation