BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
DISCOVER FINANCIAL SERVICES XXXX XXXX XX/XX/XXXX Received Email from DISCOVER FINANCIAL SERVICES, '' Thank You for your " Recent '' application for a Discover Personal Loan, Your Online submission was successful. 

The name " XXXX XXXX '' is " NOT '' my name. 

XX/XX/XXXX Email from DISCOVER FINANCIALS SERVICES Thank You " Your Uploaded of " Cash Flow '' Documents was " Successful '' We look forward to completing your loan request. 

XX/XX/XXXX Email From DISCOVER FINANCIAL SERVICES Your application is close to being completed, we need a few verification documents. 

XX/XX/XXXX Email from DISCOVER FINANCIAL SERVICES We have Great News We have verified all of the information provided and your loan is now ready to accept. 

Each letter has more content within the letter. 
Showing an Application Ref Number and DISCOVER phone numbers. 
I proceeded to contact DISCOVER on Two Occasions, with " No Explanation '' .or Understanding '' Who is XXXX XXXX XXXX and how is she connected to my Email Address,? I proceeded to do a " People Search '' and There is a XXXX XXXX  listed. I went no further. 
It seems I have had difficulties with my DISCOVER account in the past which is now closed and went to a Debt Collector. When I access my XXXX  Credit Reports it shows , `` No Payment Activity " /Account not found. How can this be? CHARGE-OFF '' Settled for less than the Full Amount. Closed XX/XX/XXXX. I never " Settled '' So I don't understand. Starting XX/XX/XXXX I would receive in Email From DISCOVER CARD-ALERT-SSN-INQUIRY AND NEW ACCOUNT Received Four : XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX. I called DISCOVER No Explanation.!!! My determination. The Alert is referring to my SSN, INQUIRY, NEW ACCOUNT I know nothing about a New Account.and There is nothing New added to my Credit reports.There 's more, To much to send

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter from Comenity Bank stating " Please call us to finish processing your XXXX XXXX card credit card account application. '' and I never opened a credit card for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04
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: Investigation took more than 30 days

Complaint:
I sent a letter out to all three credit bureaus about my disputes and inquiries that I didn't have any knowledge of I also sent them my FTC report because my identity was stolen, they still have all these accounts and inquiries on my credit report this is affecting my life I'm not able to do anything my life is ruined can someone please help me these accounts are XXXX XXXX but it's a closed account XXXXXXXX XXXX it's also a closed account and XXXXXXXX XXXX  and it also is a closed account all of the inquiries have been removed from XXXX but not Equifax and XXXX I've sent them letters and pictures of my identity and social and they failed to send me proof of signature showing I in fact authorized these accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My perusal information was compromised in the XXXX XXXX XXXX and I have notified TransUnion of this multiple times. I have let them know these fraudulent inquiries should be removed and blocked MULTIPLE TIMES. TransUnion has violated federal law 15 U.S.C. 1681 multiple times and have acted in a way that displays they are willfully and negligently choosing to not comply with federal law. 

They have not done an investigation into this matter and have told me on multiple occasions it is the consumer who has to complete an investigation which shows they have no intention to comply with the basic principle of the federal law. 

I have now included an identity theft report in this response.

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 2022-10-07
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2021-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
There was a fraudulent charge on my Bank of America credit card ending XXXX in the amount of {$6500.00} at XXXX on XX/XX/XXXX. 

I departed the United States on XX/XX/XXXX, and returned to the country on XX/XX/XXXX. I talked with a fraud claim representative who confirmed there was a new card sent to me in XX/XX/XXXX. I didnt take the old card with me when I left the country, and I never received the new card in my mailbox since I was not even in the country. 

I filed a claim in XX/XX/XXXX and was denied in XX/XX/XXXX. I asked them to reopen the case shortly after it was denied but only got another denial in XX/XX/XXXX. It has been 8 months since this was initially reported, and I'm still paying the minimum monthly payment to keep my account in good standing.

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 2018-08-08
Company: Sequium Asset Solutions, LLC
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: Personal information incorrect

Complaint:
I recently filed complaint XXXX with CFPB. This complaint is in regards to incorrect and inaccurate items being reported on my credit. 

I have emailed this company directly, filed a XXXX  claim, and a previous CFPB case. This information is still showing on my credit report. 

by law : FDCPA stipulates that the collection agency has 30 days to validate and verify claim against me. It has been over 120 and to date I have still not received this information. 

By law the company must stop reporting damaging information to my person or they are in breach of FDCPA and should be fined by CFPB in addition to damages owed to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX, and Transunion have continually violated the FCRA and my rights from providing my credit report to unauthorized agents, to providing negative remarks on my credit report that are not factual, to stating that all accounts are paid timely one month to having 3 accounts with negative payment histories the next month with NOTHING CHANGING.

When your credit circumstances change, your credit report must be updated. If its not, thats a violation. How could some violations occur?

Reporting a debt as charged off, when it was settled or paid off.

Reporting late payments when your payments were timely.

Reporting old debts as new ones.

Reporting that an account was active after it was voluntarily closed by a consumer.

Failure to report that a debt was discharged in bankruptcy.

Reporting information that is more than seven years old ( when XXXX XXXX bankruptcy notices should lapse ) or 10 years old ( XXXX  XXXX bankruptcy ). 
Inaccurate statement of balance due. 
Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ). 

Mixing Files Mixing files with someone else who has similar background information ( sometimes as careless as failing to distinguish the XXXX and XXXX in similar surnames ). I have repeatedly sent my information regarding my correct name, address, and spelling on my name to no avail. 

Debt Dispute Procedures for Credit Bureaus When submitting a written dispute about the accuracy of your credit report, the credit bureaus must follow proper procedures, such as conducting an investigation, correcting inaccuracies or removing a disputed debt. Sometimes, agencies fall short in these areas. 

Debt Dispute Violations for Creditors Creditors are obligated to note every disputed debt and submit corrected information, stop submitting incorrect information when it has been reported, conduct an internal investigation of disputes within 30 days and provide a reasonable procedure to submit a written dispute or report of identity theft, which THEY DID NOT!!! 

Privacy Violations Your credit report can be disclosed only to entities with a valid need, such as creditors, landlords, insurance providers, utility companies and employers ( with your consent ). Its also a violation to pull a credit report for an impermissible purpose, without permission or a creditor on a discharged debt in bankruptcy using the report to check on your current financial.

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 2023-01-17
Company: First Advantage LNS Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This Company never made me aware that this apartment lease was being put under my Name since I never lived there but my Siblings even though I was there when they were signing and I was under the impression that I was just used as contact reference. Now there is a {$4000.00} opened status balance on my credit as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Type : Derogatory Original Creator Name : XXXX XXXX

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 2021-08-06
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Made 3 payments totaling XXXX dollars in XX/XX/2021. Sent payments to a lockbox address given to me by the companies customer service representative. The company switched lockbox addresses and did not inform the customer. Payments of XXXX dollars were posted to the account. There has not been a correction on this account. There is an outstanding XXXX dollars not posted to the account. The lockbox address was switched in XX/XX/2021. I had no knowledge of where to send my payments in. The company informed me that the payment would be forwarded to the new lockbox. I disputed this with the company in XX/XX/2021 because my payments were not posted in time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23
Company: EQUIFAX, 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:
According to 15 U.S.Code 1681i ( 5 ) ( A ) ( i ), each reporting agency is supposed to report the same accurate information. After many attempts to rectify this problem, the reporting agencies still won't delete the inaccurate information. All three bureaus are reporting different things within my accounts. I would like to have them deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$9700.00} ; XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2020-08-13
Company: Experian Information Solutions 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:
Experian and XXXX  credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2022-07-13
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

1

5 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 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: ALLY FINANCIAL INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I sent a payment through online banking at XXXX  XXXX XXXX XXXX Ally Financial XXXX XXXX for an auto loan for {$470.00} that settled on my bank account on XX/XX/XXXX. We received an email that we hadn't made the payment. When I looked online at XXXX I realized I made the payment on a loan that we had already paid off. I immediately called Ally on XX/XX/XXXX. They gave me a case number and told me to check back in XXXX to 3 days and payment should be processed. Still nothing. On XX/XX/XXXX I called again and they told me to fax in proof of payment and a letter explaining what happened. I did that on XX/XX/XXXX. On XXXX I started an online chat to see if they received my fax and status. After almost an hour of going back and forth with the agent he told me that the payment was posted to the account. I explained it wasn't showing online and still receiving emails and text past due. He then tells me it was applied to the old account and any overpayment will be returned. As it continues he just tells me the overpayment will be returned. I ask him for proof and details. He finally stopped answering on the chat. On XXXX I started an email after the chat got no where. I attached the fax and the chat. The person in email told me I needed to call XXXX the refund was made to them and gave me the wrong phone number the first time. I kept asking who XXXX was because I've never dealt with them. He told me that is who processed my payment.This email train goes back and forth for 3 days. No matter what I ask I'm told to contact XXXX I have also been verifying with XXXX that there is no return. I finally got through to XXXX on XXXX around XXXX after an hour on hold and she explained to me they process the payments for Ally that are done on the phone and online in their portal. They do not process the payments that I generate from bill pay at my bank. She did put me on hold and told me she was contacting escalations to see if they could find the payment. She came back and told me no and that they wouldn't have the payment because I processed the payment online at XXXX and I needed to talk to Ally. She put me through to them. I repeatedly asked for a supervisor and was told she would have to fill out paperwork and it would be XXXX to XXXX business days. I have also sent another email asking for a supervisor to contact 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 monetary relief
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My perusal information was compromised in the XXXX XXXX XXXX and I have notified TransUnion of this multiple times. I have let them know these fraudulent inquiries should be removed and blocked MULTIPLE TIMES. TransUnion has violated federal law 15 U.S.C. 1681 multiple times and have acted in a way that displays they are willfully and negligently choosing to not comply with federal law.

They have not done an investigation into this matter and have told me on multiple occasions it is the consumer who has to complete an investigation which shows they have no intention to comply with the basic principle of the federal law. 

I have now included an identity theft report in this response.

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 2023-11-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to bring to your attention a matter of concern regarding a persistent issue I have been experiencing with Equifax, XXXX of the major credit reporting agencies. Despite multiple attempts to rectify the situation, Equifax has failed to properly investigate and address an erroneous account that has been reported to my credit file by XXXX XXXX XXXX The inaccurate information on my credit report is adversely affecting my creditworthiness and has the potential to impact my financial standing. I believe this situation requires urgent attention, and I am seeking your assistance to ensure a fair and accurate representation of my credit history. 

I have contacted Equifax on numerous occasions to dispute the inaccurate account, providing supporting documentation and a detailed explanation of the error. However, Equifax has yet to conduct a thorough investigation and continues to report the erroneous information on my credit report. 

I have attached copies of the relevant documents, including my correspondence with Equifax and any supporting evidence that substantiates my claim. I have also kept a record of all communication with XXXX, including dates, reference numbers, and the names of representatives with whom I have spoken. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to prompt XXXX to conduct a proper and timely investigation into the disputed account. I believe that the inaccurate reporting is a violation of the Fair Credit Reporting Act, and I am hopeful that your involvement will facilitate a swift resolution. 

I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting for all consumers. I am confident that, with your assistance, we can resolve this issue and rectify the inaccuracies on my credit report. 

Thank you for your time and consideration. I look forward to a prompt resolution to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
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: Information belongs to someone else

Complaint:
I went to my bank lender to try to apply for a personal loan and I was not denied, but I also was not approved with the amount I was needing, due to my credit not being good enough. I then asked the lender to show me my report to see what was the reason behind this and I realized several derogatory items that should not be on my credit report because the items do not belong to me. do not belong to me. Please remove these derogatory items from my report. Someone has taken my identity.

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