BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: NV
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and/or unfair. The following accounts and inquiries are causing significant financial hardship and emotional distress : XXXX XXXXXXXX Late Payment Account XXXX  XXXX Late Payment Account XXXX XXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX  XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX  XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXX  XX/XX/XXXX Inquiries XXXX  XX/XX/XXXX Inquiries XXXX XXXX Bankruptcy XXXX I understand that some of these accounts may have been delinquent or charged off, but I dispute the accuracy of the reporting and the collection methods used. I also believe that some of the inquiries were made without my knowledge or consent, and may be in violation of consumer protection laws. 
I am emotionally distressed by the impact these items are having on my credit score and my ability to secure loans or obtain housing. I believe that the practices of the companies reporting these items and making unauthorized inquiries are unethical and potentially illegal. 

I request that you investigate these items and take appropriate action to correct or remove any inaccurate information from my credit report. I also request that you take action to prevent these companies from engaging in unfair or illegal collection practices and unauthorized inquiries in the future. 

Thank you for your attention to this matter. 

Sincerely, 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 2022-03-28
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: GA
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 previously disputed accounts with Experian, XXXX and XXXX XXXX because I was a victim of identity theft I sent that my letters to the credit bureaus to investigate every piece of other accounts on my credit report. 

According to the FCRA The term investigative consumer report means a consumer report or portion thereof and which information of consumers character, general reputation, personal characteristics, mode of living is obtained through personal interviews with neighbors, friends, and associates of the consumer on, or with others with whom he is acquainted or may have knowledge concerning any search items of information. 

They stayed in my account is verified but how is that possible? Account name : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), account number : ( XXXX, XXXX ) If they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate and according to the FCRA 15 USC 1681 everything has to be 100 % accurate I have the credit report showing the inaccuracies

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 2023-04-24
Company: Bread Financial Holdings, Inc.
State: NV
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:
Sony Rewards Credit Card by Comenity Bank sent me several offers to open a new account with them and during the holidays I decided to go ahead and sign up for a new account. The promotions that were offered at the time were opening a new account and getting a {$50.00} in XXXX gift card, a free Game that's worth {$79.00}, and a {$200.00} statement credit if I spent {$1000.00} within the first 60 days of opening that account. Now, I spent almost twice that and opened a ticket with them on XX/XX/, and now every time I call I am getting the run around with them. They are telling me that it will be resolved soon but it has been almost 5 months and I can't get a straight answer from them and they are telling me that the department that handles my case doesn't have a direct phone number or an email. I can't help but feel that this has been nothing but a bait and switch by this company and they are defrauding the public.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-12
Company: EQUIFAX, 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:
This is my various 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 records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: FL
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-02-27
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: Personal information incorrect

Complaint:
I have contacted in multiple with occasions Experian, XXXX, and XXXX to dispute inaccurate personal information on XX/XX/23 and to get that information removed and they refused to remove it.

According to 15 U.S. Code 1681, I did not give written permission furnish anything on 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 non-monetary relief
Consumer complaint received 2020-09-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
PORTFOLIO RECOVERY is reporting on my XXXX report a fraudulent debt. 
This debt was a result of identity theft and was originally removed from all 3 credit agency. 

This account by XXXX XXXX XXXXi is fraud and needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: FORD MOTOR CREDIT CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have an auto loan charge off on my credit report from Ford Motor Credit ( Account XXXX ). The car was turned in in 2019 at the beginning of the year. They did accredit the resell of the vehicle to my account, yet since a few months ago I have noticed that they have reactivated the debt to making it new again. I am not sure if this is done for them to keep it on my report longer, or what. I have tried disputing with the Credit bureaus in XXXX and XXXX on the XXXX and XXXX respectfully. This did not lead to any correction which was concerning. I even reached out to Form on XX/XX/XXXX about this and my credit. I explained how them reactivating the debt was causing massive harm and they weren't allowed to but I ran into a wall with their company. They said they did not have the debt and it was out of their hands. Yet when I look at my credit report, which I have from XXXX, it shows they do in fact have the item. 

I have attached a few pages from XXXX which shows that the account has been reactivated and that they continuously add debt to it as well. From what I have read regarding the Fair credit reporting act and fair debt collection practice act, this does not seem like they are allowed to do it. I did not want to conduct this complaint which is why I called Ford and disputed it with the credit bureaus. This got me nowhere, I feel I am up against goliaths and just trying to do what is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 a inquiry from XXXX XXXX on my report i dont recognize yet i received a letter from transunion stating they verified it. I dont see how that was possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: HireRight Solutions, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not the person with a felony. I have never been in XXXX County court. I have never even been arrested for a felony.

I am not convicted in anything ever from XXXX County.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XX/XX/2XXXX XXXX XX/XX/2022

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 2022-02-18
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Been a constant this has been a constant problem since the beginning of XXXX but started near the third quarter of XX/XX/XXXX. Someone made a fraudulent transaction through vendor using my bank account number which I immediately reported to citizens Bank. They were supposed only place a temporary block on vendor XXXX transactions but that was supposed to be at. Since I use vendor frequently, I called to clarify that I don't want it permanently blocked and I requested that they remove the block. That was actually done. Since I am a XXXX veteran, I get paid by the VA on the first of every month. I usually pay all my bills on the first of the month or shortly after. When I paid all my bills on XX/XX/XXXX, everything seemed fine. I've always only had one checking account since XXXX. Then I started to get return payments from every financial institution idea within every company that I pay a bill to. The specifically regards transactions or bill payments made using my ACH number. Every company of course blacklisted my bank account ending in XXXX. XXXX Bank was or the computer system was telling all of these different institutions that my checking account was a nontransaction loan account. That wouldn't make any sense since I have all me always paid all these bills with XXXX checking account ending in XXXX. I called and I explained that logic to all these different financial institutions and all of them eventually re-enabled the checking account ending in XXXX. I actually received a letter from the chairman of XXXX Bank and also a head bank branch manager explaining that it was a fault of an employee on their end. I have a BJ 's credit card administered by commenity bank. They were the only institution that required me to jump through hoops and get all these bank letterhead statements to reenable that account. I have submitted both letters five times and the account ending in XXXX is still blocked. I've spent over XXXX hours dealing with their bank customer service between chat, secure messaging, and phone support. I have fulfilled each and every obligation I had to this bank and jumped through every hoop. Their banking system is utterly incompetent as are there customer service representatives. I have letters from them stating that I will not be charged, reported as delinquent, or have to make payments until all of this is fixed. At least twice a month, I have to both call this bank and talk to them on secure messaging. They are breaking every obligation they have to me and this is gone on for far too long. I need help because they are way out of line. I have all these dates and records to reflect what I'm saying is true. I have no way to attach it to this report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: IL
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:
Doing my loan modification with my mortgage company XXXX XXXX, I was told by countless representatives from XXXX XXXX that while I was going to the loan modification that that there would be no late payments reported to the credit bureau I spoke to representatives from XXXX XXXX XXXX XX/XX/2022 rep number XXXX. XXXX rep # XXXX XX/XX/2022 XXXX representatives # XXXX XX/XX/2022. XXXX representatives # XXXX XX/XX/XXXX. Which resulted into five late payments on my credit report. Being told by XXXX mortgage representatives, one thing, and having the told opposite happened is financially crippling their incompetence about what to do. The consumer is being left out in the cold, without knowing what to do. 

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 explanation
Consumer complaint received 2022-02-18
Company: Santander Consumer USA Holdings Inc.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Hello, Santander was named in a multi state lawsuit for providing higher interest rates knowing the person couldn't pay the loan back! I am a victim of this and sueing Santander in another lawsuit related to this! Santander is taking advantage of people ; my car was repossessed because of this! I'm struggling financially because of this and its holding my credit back. That's against the law and I'm demanding Santander to be removed from my XXXX, XXXX and XXXX credit reports asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: NV
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/2020 XXXX XXXX confirmed removal of an inaccurate bankruptcy from my XXXX XXXX report. On XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 Experian stated in dispute results that XXXX XXXX verified the accuracy of the bankruptcy. Additionally, on XX/XX/2020 in CFPB complaint # XXXX and on XX/XX/2020 in CFPB complaint # XXXX, Experian stated the inaccurate bankruptcy was confirmed by date furnisher, XXXX XXXX. Lastly, on XX/XX/2020 Experian responded to a XXXX XXXX XXXX complaint stating the bankruptcy was confirmed by data furnisher XXXX XXXX. In the XXXX XXXX report dated XX/XX/2020, an inaccurate bankruptcy is not being reported by XXXX XXXX. Why has Experian consistently stated the inaccurate bankruptcy is being verified by XXXX XXXX, when in fact it is not?

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 2023-04-24
Company: Experian Information Solutions Inc.
State: IL
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 tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I don't have access to Internet our any way of being able to pull everything back up. I'd never ever worried about credit report our identity theft our social security number theft until I gave birth to my second child and the hospital tells me i had a little girl in there hospital you're already in system when I'd NEVER been to XXXX XXXX XXXX XXXX XXXX XXXX NV In my life till XXXX XXXX when I Miss XXXX XXXX XXXX XX/XX/XXXX of Mississippi resident XXXX XXXX XXXX XXXX XXXX Mississippi XXXX I then run a credit report only to see lots of XXXX when I shouldn't have anything on it at all for I pay cash and have all my life. So my social security number has been used too be illegal claimed as a dependent by a stranger have my life XXXX XXXX XXXX XXXX Louisiana XXXX a XXXX XXXX XXXX is what it states that this person has claimed me as a dependent since I was XXXX of age and incompetent and unstable and XXXX when I have never been anything of such sort then half my life then I don't know them and I've worked sinceXXXX teen paying taxes and have lived alone XXXX of my life and never been married. Then someone has received welfare and ept and government funds under my social security number and I've never once been handed nor asked government for XXXX. Then someone stole my pua and stimulus all of it I've never had a cent. But someone got it. Then someone has CELLPHONES in my name student loans and houses and morages and bank account and cards XXXX and retail cards and loans and on and on when all this is not my life nor my doing not one thing on my credit report is true not one thing. And my son 's both of them SOCIAL SECURITY card and birth certificates never have been given nor found XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I only parent. And someone used my social security number for hospitals and services and have received my children all there cares funds XXXX and I have not been of a penny since XXXX when my first born son was gov of NEVADA kidnapped and illegally ADOPTED then someone used my social security number in Nevada for XXXX XXXX  and I've never been XXXX XXXX.. Thank you for taken care of this matter asap 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