BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: NJ
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I apply for truck, and received all these inquiries on my report, the salesman did not say he was going to pull my credit.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2023-09-17
Company: Bread Financial Holdings, 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 XXXX and XXXX Comenity Bank and Victooria secret post late payment on my credit profile. I called the company and asked why was it posted on my credit profile without my permisson. I asked that they send me legitimate document from me giving thme permission to furnish this type of personal info to other who are not privy to it. they said that they didnt have to becuase its on the staement. I asked if it was a statement that they sent and they said yes, I said a billing staemment isnt authorization from me to allow them to see that information. that is personal and private and my rights under the FCRA Their violations include 15 USC 1681a Definitions, rules of construction 15USC 1681s2 Responsibilities of Furnishers of Informatiion to Consumer reporting agencies 15USC 1681 2 ( a ) ( i ) Exclusions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$11000.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX Balance : {$670.00} )XXXX XXXX  XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX XXXX TX. ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5900.00} XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX XXXX  ), ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} ), XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$18000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: CITIBANK, N.A.
State: MA
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 received a new Citi XXXX credit card with a credit limit of {$7300.00}. I'm going on a trip to XXXX and have booked XXXX accommodations there. I wanted to pay the balances due on all three and was successful with 2 of them. When I tried to pay for the third one it was declined. The amount was {$1000.00} Swiss francs. MY 2 previous charges on XX/XX/XXXX were for {$530.00} and {$700.00}. So there was enough credit for the third charge. I notified the company that my card was being declined and told them what the rental place said. 

Here 's their email - " Hello XXXX, I hope you are well. Here in XXXX it is not allowed by XXXX XXXX to charge any Credit Cards with numbers given over the phone. I checked the payment history and the good thing is that the card number is changed in our system. However, we where informed by our credit card company that the payment attempt of XXXX for your reservation was declined by your bank CITIBANK XXXX There can be many reasons why a bank declines a transaction. It can be anything from an error in the card details entered into our website, or the address not matching the card account billing address, to the bank 's anti-fraud security system automatically declining the payment because it is a foreign or unusual transaction. It may also be that you did not complete the 3D Secure ( 3DS ) authorization step to verify your identity as the owner of the credit card by entering an authentication code. In most cases, this is a single-use security code sent by SMS to a mobile phone ( see below for further information about 3DS ). Your bank does not give us any further details. So you will need to contact your bank to resolve the issue and to have them authorize the payment to avoid another declined transaction. Then contact me so that the payment can be re-attempted. You can add an alternative credit card to the booking via our secure website if you prefer. But we would still recommend obtaining prior authorization from the card issuer to avoid another declined transaction. 

Kind regards, XXXX XXXX. The 3D Secure ( 3DS ) payment authorization system should be available through all banks and credit card providers under the following name ( s ) : Mastercard Identity Check / SecureCode Please contact your bank for further information or if you need to check if 3D Secure ( 3DS ) is activated on your credit card account.

When I called Citi and read them the email they worked with me for about 2 hours with numerous attempts to resolve the issue. They could not and said they don't know what to do now. The card should work, but it doesn't. I'd like to pay this company with this credit card and would like SOMEONE at Citi to take ownership and resolve the issue.

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 2022-10-27
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX XXXX XXXX XXXX XXXX to file a report Per FCRA section XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here are the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business XXXX after the date of receipt.

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 2021-08-23
Company: CITIBANK, N.A.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have an unauthorized hard inquiry on my XXXX  credit report by CBNA Citi Cards. I filed a dispute with XXXX  and they contacted CBNA and CBNA Citi Cards reported to them it was an authorized inquiry when it was not. I contacted XXXX  again and they said CBNA Citi Cards has reported to them that I applied for credit with them when I have not. XXXX  said I have to contact CBNA Citi Cards to have them submit a deletion request. CBNA Citi Cards is telling me to resolve it with XXXX. No one is willing to fix this for me. There is no contact information for CBNA Citi Cards to dispute and resolve this issue. All customer service numbers are for active accounts which I do not have so they are not able to help me.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: TX
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 am writing to formally complain about the ongoing issue of an unresolved late open account on my credit report with XXXX. Despite multiple attempts to dispute and correct this account, it remains inaccurately reported on my credit file, causing significant financial harm and emotional distress. 

I would like to provide a summary of my efforts to address this matter : I first discovered the presence of a late open account on my XXXX credit report. Immediately, I initiated a dispute with XXXX, providing all the necessary documentation and evidence to demonstrate that this account was inaccurately reported as late. 

Subsequently, I made multiple attempts to dispute and correct this late open account. I followed all required dispute procedures, provided additional supporting documentation, and communicated with the creditor associated with this account to rectify the issue. 

Regrettably, despite my unwavering commitment to resolving this matter, the late open account persists on my XXXX credit report. It has not been removed, updated, or adequately investigated by XXXX or the creditor involved. 

This ongoing situation has caused me significant financial hardship and emotional distress. I have diligently followed all dispute procedures and expected a timely and accurate resolution of my credit history through XXXX. 

I kindly request that XXXX take immediate action to thoroughly investigate and correct this late open account on my credit report. I urge you to rectify this matter promptly, as it is imperative for my financial well-being and peace of mind. 

I am well aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I am prepared to take further legal action to protect my rights and interests if this issue remains unresolved. I am asking for your assistance to correct the late open account in my credit file : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance : {$10000.00}.

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 explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I disputed information that is wrong and reported 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 2023-12-26
Company: MoneyLion Inc.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I opened an account with MoneyLion. After using them for several months, they stated that they were closing my accounts because they don't like my spending habits. They also said that since I had " unusual spending '', that they refuse to give my money back. I had money in a checking account, a crypto account, and a small investment account. I asked them several times and they refuse to refund it. 

I also was abused by their usary loans. They will give you up to {$100.00} until your next payday for {$7.00}. They claim it is not interest, but a fee. Buf if you do the math, they are getting the equivalent of a 7 % return in 2 weeks which is off the charts. If you only need the money 1 day before payday, still {$7.00} which would extrapolate to thoousands % interest per year. I tried to find them on the XXXX XXXX XXXX website but can not even find the company or the parent company. I am just requesting that they refund the money that they froze, around {$100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my Follow-up 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 items 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. 
Please remove these items : 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 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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On XX/XX/23 I went to try to get an auto loan. My transunion was ran and the agent stated it shows I never had a auto loan paid off. I paid the car off 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 2023-05-25
Company: EQUIFAX, INC.
State: LA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: PA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am a victim of identity theft, I Sent all 3 credit bureaus the fraud dispute package including the police report and they refused to block the fraudulent information in my credit file. And will not tell me why they want block the fraudulent accounts... I need 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 2023-05-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$150.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX EQUIFAX XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My brother became XXXX he gave me power of attorney before he got sick they cut his leg so he went to a XXXXXXXX XXXX  until he get his XXXX I went to the bank because I need to pay the XXXXXXXX XXXX the first time I access the bank they told me that how he got sick so quickly I took the Dr report and letter then they say the letter from the notary I did that and they still have me waiting is bad because my brother need his money can you help me the media will eat this up for breakfast that will be my next step thank you XXXX bless you and your angels watch over you always my name is XXXX XXXX XXXX my brother name is XXXX XXXX XXXX XXXX hope you can help really really need your help so I can pay his XXXXXXXX XXXX the reason I can't bring him home is because I have a coop no elevator my brother have XXXX  3 times a week if I bring him home with XXXXXXXX XXXX he would not go to XXXX then he's going to end up in the hospital and is not going to be easy for me XXXX blessing

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 2022-04-22
Company: Experian Information Solutions Inc.
State: GA
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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