BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
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 discovered that some of the information on my credit report was incorrect when I reviewed it. FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} ; and XXXX XXXX Balance : {$320.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Comenity bank apparently took over servicing for XXXX XXXX XXXXXXXX XXXX XXXX XXXX accounts. I was not notified of this and only discovered it when some autopayments I had scheduled to be paid with my XXXX XXXX XXXX credit card were rejected because that account had been closed without my knowledge. When I was able to discover that Comenity had taken over I contacted them and began the process to get the Comenity card. I did receive the Comenity card but haven't activated it ; so nobody has that card number and it can't be used. Before I even received that card I received a bill from Comenity with charges that were invalid and had never been paid to anyone. Those charges were paid with the XXXX XXXX XXXX card previous to Comenity 's involvement and I paid the XXXX XXXX XXXXXXXX bill for those charges- I have proof. I began communicating with Comenity and opened a dispute with them on XX/XX/XXXX which they acknowledged in writing. The letter acknowledging the dispute committed not to add late fees or finance charges or report a delinquency to the credit bureaus during the dispute process. They have actually done all of that. I've made at least 8 phone calls to Comenity and sent several messages through their secure message center to get this resolved. After another phone call on XX/XX/XXXX, I was told that it would be escalated. I finally received a letter from Comenity requesting information on XX/XX/XXXX. I replied with that information via certified mail. They received that on XX/XX/XXXX. The next day their collections department called me. After explaining the problem ( again ), I was transferred to the Customer Care team ( again ) and was told the dispute would be escalated for the 2nd time. The issue is that Comenity added not only the original invalid charges, but also 15 more charges for the same vendors that they didn't pay. I have documented proof that those vendors never received any payment from Comenity. In fact, Comenity has never paid anyone on my behalf. I believe that there was a problem with the " transfer '' from XXXX XXXX  XXXX ; but Comenity has refused to acknowledge that or to remove the erroneous charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: TX
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 sent the credit bureaus my disputes regarding fraudulent accounts opened without my actual consent included identity theft report to better plea my case. In response they said the account was verified on 2 credit bureaus ( XXXX XXXX and Experian ) but XXXX came back us unverified and was removed from report. 


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 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
transunion, XXXX, XXXX : i need you to verify all my accounts on my credit report and check if it's accurate ... because i have my credit report in front of me and it's showing 3 different things from 3 different bureaus ... Fcra rules says that my credit report should be 100 % accurate ... and how can it be accurate if there are 3 different things reporting... please do diligent investigation so my credit report doesn't violate my consumer rights.. here 's the list of the following accounts in question.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please make sure that all three bureaus are 100 % accurate and are reporting the same exact items on my credit report including date last active, date last payment, date opened and amounts... according to fcra my credit report needs to be 100 % accurate otherwise it needs to be deleted because it violates my consumer rights... 15 usc 1681... .it states The Fair Credit Reporting Act ( FCRA ) is a federal law that helps to ensure the accuracy, fairness and privacy of the information in consumer credit bureau files. The law regulates the way credit reporting agencies can collect, access, use and share the data they collect in your consumer reports.

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 2023-10-30
Company: EQUIFAX, INC.
State: TX
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 am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: In progress
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to an incorrect item on my credit report. It has been well over 30 days, and I haven't received any investigation results. The company in play Experian, failed to delete the following items that are not mine. Failing to comply with US code 1681I. This account is not metro to compliant. It should have been deleting for not following the industry standards. Required to maintain maximum, possible accuracy.

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 2020-02-03
Company: EQUIFAX, INC.
State: CT
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 respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Creditor : XXXX XXXX XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : UNLISTED- Account : XXXX Creditor : XXXX XXXX/XXXX  XXXX  XXXX - Account : XXXX Creditor : XXXX XXXX/XXXX  XXXX  XXXX  - Account : XXXX Creditor : XXXX  XXXX/XXXX  - Account : XXXX Creditor : DEPT OF EDUCATION/XXXX  - Account : XXXX Creditor : XXXX/XXXX  XXXX  - Account : XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX  - Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: NV
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-25
Company: EQUIFAX, INC.
State: VA
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my accounts were properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 USC 1681 c ( a ) ( 5 ) Section States : no consumer reporting agecy may make any consumer report containing any of the following items information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years XXXX XXXX XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX XXXX XXXX  XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX  XXXX XXXX XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute unauthorized inquiries that appear on my credit report. I recently reviewed my credit report and found inquiries from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX that I did not authorize. These inquiries were made on [ date of inquiry was XX/XX/XXXX XXXX XXXX  for XXXX XXXX ], [ date of inquiry was XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ], and [ date of inquiry was XX/XX/202XXXX XXXX XXXX XXXX ]. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute unauthorized or inaccurate information on my credit report. I request that you initiate an investigation into these inquiries and remove them from my credit report if they are found to be unauthorized.

Company response to consumer: In progress
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: GA
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-13
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Good Morning, Good Afternoon, Good Evening On XX/XX/XXXX, my mother send me money threw paypal so I can pay the rent. Note : I am already late on rent and if it gets passed the XXXX I could face the landlord kicking My XXXX XXXX XXXXXXXX son and me out. However I have the money in my account and everything should be good. Nope, paypal is holding my money without any strikes on my account. 
I called them on the XXXX of XXXX to explain to them my problem and the operator said to me, because you attempted to transfer this money a lot of times your account has been locked and you are unable to send money to any account. Mind you the money they are holding is {$1200.00}. They told me {$640.00} is available for me to use however as you know that was a lie. They told me to wait 24/48 hours to attempt again. Which I have the patience to do. So I waited 24 hours to call back. I called them back after 24 hours and they told me the same things 24 hours ago. My account is locked and to wait another 24 hours. So I waited another 24 hours and today is the XXXX of XXXX. I called before making any transaction so I don't risk my account being locked again for another 48 hours. 
The first time I called she told me you should be able to send money now since it has been the time frame, and told her mama I am unable to send money to my account at all. At this moment it is giving me an error code on the screen to try again later. She then processes to tell me " I have to wait another 48 hours for my account to unlocked ''. I just flipped at that point, because I already waited 48 hours the one time and now you are tell me to wait another 48 hours for something that I need ASAP. I process to tell her to get a manger. Mind you my account does not have any history of charge back, fraud, or anything of that nature with money. 
The manger gets on the phone after 30 minutes, and tells me you are able to send money now. Now when a manger tells you something you would think it is true and I got off the phone thanking him for helping me out. I get on my paypal account to attempt to send {$640.00} to my bank account, however I get that same error code. At this moment I am upset and I called them back. 
I get a manger on the phone for the second time and he told me this in his exact words. '' PayPal does not feel comfortable sending your money out '' I asked him why do they not feel comfortable sending my money out and my account is in good standing and he could not answer the question. All he told me to do is wait 24 hours to try again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: MD
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:
Equifax credit bureau reporting inaccurate information. Call to complain about the inaccurate information and was told by representative that it was fixed. Then later to find out that none of that was through outstanding balances that are incorrect are still on my credit report. Ask to speak to a supervisor the supervisor was rude and ask me to call back later. She was not helpful. Said her system was down. My Business credit application was declined because of the inaccurate information on my credit report, that they assured me would be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I submitted a complaint to the Credit Bureaus on XX/XX/XXXX requesting the removal of the fraudulent information : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00}, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, and XXXX  XXXX  XXXX XX/XX/XXXX, that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove and block any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included these items in my previous Complaint # 's XXXX, XXXX, XXXX & I am including them again.

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 2020-12-16
Company: Experian Information Solutions Inc.
State: NY
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 figured out in my credit report inquiries that I have never authorized. I do not recognize any of them. This is illegal and highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never gave any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: PA
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 a victim of identity theft because my information was stolen during a data breach. Scammers got access to my personal information including my bank accounts. I am sure that my information was used to open fraudulent accounts and now my reputation if being tarnished with this incorrect information. I have already disputed this account and did not receive any action.

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 2023-05-12
Company: Experian Information Solutions Inc.
State: FL
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 ). Listing these items as information without verifying them within the legally mandated time frame is unacceptable. 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 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