BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-31
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/22 : Was alerted by a bank that someone had made an inquiry into my credit. I checked the bank website and learned that the inquiry was from Comenity Bank/Victoria 's Secret. I had not applied for credit with that entity. I placed a one-year fraud alert on my credit report via XXXX, triggering fraud alerts on XXXX and XXXX. 

XX/XX/22 : Received a Victoria 's Secret credit card in the mail. I wondered whether it was just an unsolicited card and pondered how to dispose of it. 

XX/XX/22 : Received a bill from Comenity-Victoria 's Secret for {$800.00} in Victoria 's Secret purchases. Transactions were as follows : XX/XX/22 : XXXXXXXX XXXX, # XXXX ( store number, I gather ), {$5.00} XX/XX/22 : Same location, {$550.00} XX/XX/22 : XXXX XXXXXXXX XXXX  # XXXX, {$240.00} Note that I live far from either of those states and was in neither of them at those times. 

XX/XX/22 : Phoned Comenity/Victoria 's Secret at ( XXXX ) XXXX to report the fraudulent opening and fraudulent use of a credit card in my name. The representative asked whether I had my driver 's license with me ( which I did ), because in all three instances it was noted that the user of the fraudulently opened account had shown a driver 's license to verify identity. The representative said the credit card would be disabled and an investigation would ensue, which could take up to 90 days. He also said that in a couple of weeks I could call the fraud line at ( XXXX ) XXXX and obtain a case number. 

XX/XX/22 : Went into XXXXXXXX XXXX website and saw that my credit score had declined, apparently as a result of the opening of the Victoria 's Secret card account and the {$800.00} purchase. Contacted XXXX XXXX  ID theft line at ( XXXX ) XXXX and communicated with an automated system. It said it would add a one-year fraud alert to my credit report that would apply to all three credit bureaus. ( Not sure what that means given that I already had set up a one-year fraud alert. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
Company: Affirm Holdings, Inc
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2021 I placed an order on XXXX for a XXXX XXXX XXXX vaccum cleaner for {$950.00}. Upon checkout, I choose " Affirm '' as an option to finance my purchase as a 0 % APR interest loan over 6 months. XXXX XXXX ordering system was quick to notify me that the order did not go through ( and error occured XXXX. However, to my dismay, the loan was created on Affirm.com and stuck in a " Merchant processing '' state. I initially reached out to Affirm on XX/XX/2021 to inquiry about having the loan nullified since the order never went through on XXXX XXXX website. I was asked to get proof from XXXX that the order was cancelled or otherwise not created, which I quick provided on XX/XX/2021 by forwarding XXXX XXXX response. This seemed to get nowhere. I once again tried reaching out to Affirm on XX/XX/XXXX, once again providing them the original emails from XXXX stating no active order existed in there system and additionally proof where I had yet another conversation in which XXXX affirmed no such order was active in their system. I've yet to receive any positive response about this being handled or what needs to occur for this to be handled. I have not received a response from Affirm since our last interaction on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
State: AR
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 am XXXX XXXX XXXX. Ive been trying to get a fraudulent Dismissed Bankruptcy off my credit file with XXXX for over 6 mos. I have provided documentation from XXXX XXXX, XXXX keep sending me the same results stating that its been verified dated back in XX/XX/20. I also provided them documentation from XXXX XXXX stating this file was deleted because it didnt belong to me, I forward a copy of the letter from California XXXX XXXX XXXX stating they dont do third party verification and I sent the letter from XXXX  stating they dont do third party verifications. If XXXX had verified this erroneous account XXXX XXXX wouldve verified they deleted the Bankruptcy from my file. XXXX  continues to lie and disregard the proof provided. 

Not to mention all my data was apart of XXXX DATA BREECH! NEVER WAS COMPENSATED, NEVER GOT ANYTHING THEY PROMISED!! Than they have the nerves to lie and not due their job!! 
I spoke to a lady today w/XXXX she said XXXX verify with the courts but the dispute results states Otherwise. The dispute results states that this account was verified through XXXX XXXX! I am preparing to file sue against XXXX  if this isnt deleted ASAP! Please contact me ASAP. Thank you so much! 

Experian has been doing the exact same thing! They arent verifying information they only go off their last verification when I really dont think they verify anything they just tell you in writing that the erroneous files will stay on your credit file and it proved to belong to you! Someone really needs to look into these two agencies regarding their ethical behavior as to how they handle peoples credit file. My next complaint with be with my attorney to file a law suit. This is awful!

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 2023-04-20
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: Information belongs to someone else

Complaint:
I am XXXX XXXX and I am submitting this complaint and there is no third party involved. These accounts are inaccurately and erroneous reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedback about this concern, and I requested a complete payment history of these accounts for me to review the exact date on which the collection was posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in the violation of FCRA. REMOVE THEM FROM MY REPORT IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-15
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2023 I received a credit denial for a used car loan amount of {$30000.00} from Navy Federal Credit Union. The key factors listed for the denial listed the following reasons : Serious Delinquency ; Too many consumer finance company accounts ; Number of accounts with delinquency ; and ratio of revolving balances to credit limits are too high. I ordered my credit report and discovered the reasoning for my denial did not coincide with the report. I know the real reason for the denial was/is XXXX discrimination.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-21
Company: EQUIFAX, INC.
State: MS
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 second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am presently XXXX within the XXXX XXXXXXXX XXXX XXXXXXXX XXXX. On the date of this alleged debt, I was in XXXX, as I had been released on XXXX I was no where near the location of the alleged debt, as I was not in XXXX at the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hey, I've been trying for months to fix the mess on my credit report, following all the rules in the Federal Credit Reporting Act. These accounts are a disasterwrong, unverifiable, and unfinished. I disputed with the credit bureaus and even contacted the original data folks. They said the disputed info isn't their problem ; it's on the credit reporting agencies. I sent everything to every credit bureau, but they acted like they didn't even check. The data folks were clear it's not their problem, but the credit bureaus are pretending everything 's fine. I attached the account details and the data folks ' letter so you can see the chaos. This investigation is driving me crazy! I asked all three agencies to remove this wrong data from my Credit History Report, but they refused. They say your company insists this info is accurate. Here 's the ongoing mess in my credit report : The account got the green light as accurate, but the mistakes are still there, unchanged. 
The date last active on this account is wrong on every bureauthey 're messing with time-traveling via re-aging. 
Account number? Complete chaos, wrong on every bureau. 
Payment history is full of errors. 
This account is reporting payment history after it's supposed to be closed. 
High credit and credit limit? More chaoswrong and inconsistent on all three bureaus. 
Can you believe this? Any help would be a lifesaver.Thanks!

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 2021-05-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi, I have been disputing erroneous accounts since XX/XX/XXXX of this year and I have NEVER received a response from the credit bureaus, I don't know why. I have read that I have the right to dispute this information with them and that I am not breaking any law. Now because I have so many months and they do not answer me, it is a lack of respect that they ignore me like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Experian has some " Experian Boost '' service that tracks bill payments made through bank accounts. They say this can improve credit score. The morons over there failed to realize that there are bimonthly utilities charges in some areas of the world, and this service of theirs believes these payments to be late because they're not on monthly bill schedules. This has tanked my credit score.

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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion has not done a complete investigation to the wrongful reporting information into my credit profile.

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 2023-10-30
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
Called trying to get options to help on my mortage payments, was told they couldnt do anything about it because ive already received help and that they would not help me even asked to talk to a manager/supervisor and was told for what if they were going to tell me the same thing.

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 2020-08-05
Company: AmeriCollect
State: AP
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX XXXX. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Experian is reporting a foreclosure that never occurred. They were notified of the error in XX/XX/2021, and my bank just found that the record has not been corrected. Copies of the deeds were sent with the dispute.

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 2021-09-08
Company: Southwest Credit Systems, L.P.
State: AL
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:
XXXX has been harassing me since XXXX. They have gone through 6 different debt collection agencies, ( even using 2 different companies at the same time in XXXX ), to put derogatory remarks on my credit report, when I did not use their services. I have even had to file a police report, showing that I didn't use their services. They deleted themselves from my report, and later filed again, using a different agency. They also flag my credit every 3-5 days. Even after reaching out to prove that I haven't used their services, and being told that they would leave me alone, they still continue to harass me. I have attached data below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed on my credit report alerts from chase that someone opened 4 credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. 

The my credit score went from XXXX to XXXX in two to three weeks. 

My chase credit report shows the following : XXXX bank card balance shows {$10000.00} with credit limit of {$12000.00}. 
Authorized user since XX/XX/23 Bank of America card balance shows {$16.00} balance and credit limit shows {$3000.00}. 
Authorized user as of XX/XX/23 XXXX card shows credit balance of {$8100.00} with credit limit {$10000.00}. 

XXXX XXXX shows balance {$240.00} oppened on XX/XX/23.

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 2023-02-06
Company: EQUIFAX, 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:
I have communicated with all three credit companies about their inaccurate reporting information. Unfortunately, this erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. 
List of inaccurate information : Both XXXX XXXX and XXXX XXXX XXXXXXXX are inaccurate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. 

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
XXXX : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. 

The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. 


Both XXXX XXXX and XXXX XXXX XXXX  are inaccurate and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: SC
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:
MY CONSUMER REPORTS ARE BEING USED BY ALL 3 CONSUMER REPORTING AGENCIES WITHOUT MY CONSENT. I RECENTLY RECEIVED MY CONSUMER REPORTS AGAIN AND THEY ARE STILL REPORTING UNAUTHORIZED ACCOUNTS THATS VIOLATING MY RIGHT TO PRIVACY AND DAMAGING MY REPUTATION AND THIS IS NOT FAIR TO ME. ITS ALMOST IMPOSSIBLE FOR ME TO GET A LOAN OR APPLY FOR A NEW JOB WITH THESE ITEMS ON MY CONSUMER REPORTS. PLEASE HELP ME WITH THIS MESS, I AM AT MY WITS END WITH THESE CONSUMER REPORTING AGENCY CROOKS. THEY REPORT OUR INFORMATION WITHOUT WE THE PEOPLE EVEN KNOWING ABOUT IT AND THAT IS NOT FAIR US! ITS VERY DIFFICULT ENOUGH TO SURVIVE WITH THIS CORONAVIRUS PANDEMIC GOING ON. I FEEL LIKE IM BEING TAKEN ADVANTAGE OF AND BEING OPPRESSED. I NEED HELP WITH THIS, ITS BEEN OVER 30 DAYS AND SINCE I DISPUTED THE UNAUTHORIZED ACCOUNTS AND THEY HAVEN'T RESPONDED.

Company response to consumer: Closed with explanation