BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX examined my credit report and found a late payment dated XX/XX/2023 from XXXX  XXXX. According to Title 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) ; Rule of Construction, it states a " " consumer report '' does not contain information solely as to transactions or experiences between the consumer and the person making the report ; ''. A late payment or credit note is consider a transaction. 

Account Name : XXXX  XXXX Account Number : XXXX Please remove this negative item from XX/XX/2023 and update to current/terms met.

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 2021-10-11
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I went to use my card today and to my surprise my transaction was declined. I immediately contacted Comentity Bank and was placed on hold after giving them my informatio, so that they could look into this matter. After the rep came back, she asked me a few security questions and verified the answers, then proceeded to ask he to provide my drivers license p, social security card, and utility bill. I asked to speak with a supervisor at this point, shortly after being connected I mentioned that I had sent these documents in already and had them notarized. She placed me on hold to check and them came back and mentioned that the hold would be released. I then stated that I would send a copy of my lease agreement to show my new address, I was then told it had to be reviewed and she would follow up in a few hours. A couple hours go by and I received a call from a XXXX at extension XXXX asking me for resubmit all documents, drivers license, social security card and a bank statement. At this point this has been harassment and XXXX discrimination. This is my 3rd time having to submit these documents, they also conducted a hard pull on my file without my authorization or making me aware. I am truly tired of the XXXX discrimination this bank is conducting, it is wrong and needs to known. I have never been late on any payments and have stellar credit. Ive gone thru less scrutiny on much more important matters, this is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
CFPB I put in 2 complaints to you on XX/XX/21 and XX/XX/21 about Portfolio Rec ignoring me and they finally sending me 1 piece of paper calling it validation. That was not validation and it wasn't all the supporting documents I asked for. They are still reporting this unvalidated allege account. The FCRA specifically says they are required by law to send validation along with the supporting documents I have requested.

Why haven't you stepped in and made Portfolio Rec follow the law of the FCRA and provide me with the docs I asked for. Why haven't you made them stop reporting this allege debt until they proof they have the authority and along with the other pieces of supporting documents I requested?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
According to 1099-c i Never received any form to file with IRS concerning this charge off. Is reporting on my credit file ..Neither the creditor reach to me concerning the paperwork to file the Debt ..this Debt report back in 2020 which they in violation bye law

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 2023-06-05
Company: Experian Information Solutions 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:
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I CHECKED MY CREDIT REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
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:
there is a collection on my report that is not mine, I have sent a letter in more than 45 days ago and have not got a response, It is stopping me from refinancing and causing me a huge headache.

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 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
There are at total of 5 student loans reporting on my credit file that I have disputed with TransUnion to show the accounts as closed and paid. I have requested this in writing and I even contact them by phone. They responded that what they are reporting is accurate. My report indicates they did last updated on XXXX of this year for 3 of them and then XX/XX/2020 for the other two. How in the world can they say they investigated anything???? The other two bureaus did update to show the correct information TRANSUNION HAS NOT All of those were consolidated in 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 2023-04-21
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I put in a request to update my credit report status to paid as agreed with no late payments reported back on XX/XX/2023 and I have not received a conclusion to my dispute. No correspondence by email nor mail and it is a clear violation to FCRA with investigating my dispute in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022 an unauthorized transaction occurred on my account. A guest in my home, while I was sleeping, had taken XXXX of XXXX cell phones that I owned at the time. And sent himself XXXX $ from My account. After he stole money from me he attempted to change personal info on my cash app account which he was not 100 % successful in doing. This all occurred around XXXX and upon my waking up and realizing my phone and my guest were gone, I immediately checked my other phone and noticed there missing funds and immediately told cash app about the incident and explained to them that who they were talking to in the chat earlier was not me. I verified myself and then made my complaint. Cash app came to the conclusion that the transaction was authorized by me. I explained again that, no I am the verified owner of the account and it was not authorized. Still after countless dialogue with them I have never been able to recoup those funds. On XX/XX/2022 an unauthorized transaction occurred on my account. A guest in my home, while I was sleeping, had taken XXXX of XXXX cell phones that I owned at the time. And sent himself XXXX $ from My account. After he stole money from me he attempted to change personal info on my cash app account which he was not 100 % successful in doing. This all occurred around XXXX and upon my waking up and realizing my phone and my guest were gone, I immediately checked my other phone and noticed there missing funds and immediately told cash app about the incident and explained to them that who they were talking to in the chat earlier was not me. I verified myself and then made my complaint. Cash app came to the conclusion that the transaction was authorized by me. I explained again that, no I am the verified owner of the account and it was not authorized. Still after countless dialogue with them I have never been able to recoup those funds. Case numbers are XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
EQUIFAX refuses to remove the unauthorized inquiries from my consumer report even though Ive submitted via fax all of the required documents. I faxed the FTC report on XX/XX/ and Equifax continuously gives the response of not receiving it. Ive continue to have this issue with EQUIFAX every time I submit documentation. I have submitted several other faxes to XXXX which was verified by every representative Ive spoken to. I spoke to XXXX XXXX concerning this issue. Ive also spoken to Agent XXXX on XX/XX/2021 at XXXX XXXX and Agent XXXX today on XX/XX/2021 at XXXX to resolve this matter and I was told again that the issue could not be resolved! Then I was placed on hold by Agent XXXX once I requested to speak to a supervisor and was never transferred! I was directed to a totally different department that handles online memberships! And I was hold for almost an hour! I am providing proof of delivery by fax via transmission verification report provided by XXXX to show that EQUIFAX has indeed received my documents and Im also including a screenshot of the time I was on hold and never transferred to a supervisor! Im am also putting EQUIFAX on notice through this complaint through the CFPB that EQUIFAX is violating my consumer rights are civilly liable pursuant 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: General Motors Financial Company, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX i purchased a new car financed with gm fianncial and made all payments on time leading up to accident that occurred and totaled the vehicle with a drunk driver in XXXX of XXXX ( i was not at fault ). 

XXXX XXXX promptly sent them a check for roughly XXXX that was received by GM cleared on XX/XX/XXXX and received prior. 

I called the GM financial every single day after this check was received for the month of XXXX and half of the month of XXXX asking them to please apply the payment to my balance so that I could get a new vehicle. It was impossible for me to get a vehicle with my credit looking like I just took out a loan for a vehicle 10 months before that, and hadnt paid it off yet. The difference was paid XX/XX/XXXX and when I spoke with someone at GM financial, they let me know that my account was satisfied in full and then I would be receiving a payoff letter within a few weeks. 

I never saw my payments applied to the account until XX/XX/XXXX. After GM financial accrued interest on the principal balance as well as late fees for 3 to 4 months after the vehicle was paid in full and loan was satisfied. 

I didnt know any of this until XXXX when it all came up on my credit reporting saying, I had a charged off account and defaulted on my loan. They had three months of late payments and listed it as a charge off. This has severely damaged my ability to do anything in my life ever since that day. It has sabotaged my ability to move forward, or make any moves with my business, because I am constantly having to fight the charge off that was never actually a charge off. I did all the right things and worked so hard to keep my end of the deal straight on the contract. However, GM financial has severely damaged, my ability to move forward with my life. By the way they have miss handled my file and for the past three years continue to keep these in accurate remarks on my credit report. I have proof and have provided them with proof and they also have proof on their end that everything was paid in XX/XX/XXXX. It is now XX/XX/XXXX and Im still dealing with the repercussions of them and accurately reporting on my credit. I was able to get them to remove it from XXXX XXXX due to all the inaccuracies, but it remains on my XXXX and XXXX has a charged off account. Please help me remove this and correct predatory GM financial. It has been the hardest part of my life just trying to overcome what theyve done to my credit even having the account paid in full less than a year after taking the car loan out in the first place. That is the type of behavior they should be rewarded on credit not punished and lied about for years, so that I am in able to utilize the fruits of my labor and rather stay waiting to have my record cleared of things that I did not commit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13
Company: BARCLAYS BANK DELAWARE
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In early XX/XX/2019 on a Frontier Airline flight to Colorado the flight attendant made a very compelling sales pitch for the Frontier Airlines Master Card credit card ( through Barclaycard ). She said it was unique because unlike other cards we wouldn't have to wait several billing cycles to get the XXXX promotional mileage points. As soon as we paid the annual fee of {$79.00} and made a single purchase in any amount, the points would be deposited into our Frontier mileage account. We took her up on the offer, got two forms and both my husband and I applied with the short one page application on the flight and handed in the applications. 

We were both approved a few weeks later and received our cards. We were billed the {$79.00} on XX/XX/XXXX, I made my first purchase on XX/XX/XXXX, and my husband on XX/XX/XXXX. We both paid our credit card bills in full on XX/XX/XXXX. We waited for points to be deposited and when they didn't appear I called Barclays account service department. They told us that their policy was that the bonus points would be deposited 4 to 6 weeks from the date we paid the first statement bill if we had also paid the annual fee. They said this information was in the fine print of the documentation they sent out with the cards. 

I told the account supervisor that we applied for the cards on the basis of the information we were given on the flight by the attendant, and in the form she gave us and we signed. It said nothing about 4-6 weeks from the date of first payment. This is false and misleading marketing. We applied for both cards in order to save hundreds if not thousands of dollars on holiday airfare. By waiting in vain for the points to appear we put off purchasing airline tickets, and the cost of the travel we need to book has now gone up substantially. 

This is nothing more than a marketing scam. I told the supervisor at Barclays that we wanted them to honor the deal offered by the Frontier representative and to deposit the miles into our account immediately. They said they had a process that wasn't aligned with what the frontier representative told us, and that there was nothing they could do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 ; XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$790.00} ; XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$11.00} ; XXXX XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/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 XX/XX/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 non-monetary relief
Consumer complaint received 2019-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 SOME INACCURATE INFORMATION SHOWING ON MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX XXXX THE FOLLOWING ADDRESSES ARE NOT MINE NEVER LIVED AT THESE ADDRESSES PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH 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