BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I Pulled my consumer report on XX/XX/XXXX and noticed inaccurate information. 
incorrect and inaccurate amount on Experian says {$270.00} for payment but XXXX payment {$0.00} both not accurate and incomplete.Balance reported on XXXX is {$5000.00} but Experian reports different {$6200.00} which their not accurate.XXXX reports I owe a balance but I'm current as well which is not accurate as well. Consumer can't owe but be current with payments. 
Date Open on Experian is XX/XX/XXXX but date open on XXXX is XX/XX/XXXX which is incorrect and not accurate. 
This is in violations of the law of FCRA 15 USC 1681 SEC 3 5A - If the completeness or accuracy of any information on consumers file is disputed. The agency shall conduct a reinvestigation if inaccurate or incomplete or can not be verified shall be deleted in accordance to 1681 I sec 3 5a, and 1681 s 2 ( a ) ( i ) date open XX/XX/XXXX Last Reported : XX/XX/XXXX on XXXX but on XXXX it says different Date open XX/XX/XXXX and Last Reported XX/XX/XXXX which is inaccurate violation of the FCRA 15 USC 1681 SEC 3 5A. 
THIS IS DAMAGING MY CREDIT REPORT AND MY LIFE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
accounts opened without my consent and I have been paying for this for the last decade 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 explanation
Consumer complaint received 2021-10-21
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2021, I was shopping on XXXX As I was going to check out, I received a pop-up message that I had been pre-approved for a Torrid credit card and if approved would received 40 % off my order. At the time, all the items in my cart were on sale for at least 40 % off. I decided to apply, but first continued shopping and added more sale items to my cart, including one item that was 35 % off. 

I applied and was approved for the card, and went to check out using the card information that was pre-populated into the field. 

I was surprised to get a new pop-up letting me know that the new card holder discount could not be applied to my purchase unless I removed the discounts from the individual items. My options were XXXX ) apply the 40 % of but remove the individual discounts or 2 ) keep the discounts on the individual items and forego the 40 % forever ( it very explicitly said it could not be used later ).

I re-read the initial terms and conditions and read that the new customer discount " Can not be combined with other offers. '' That's not inherently unfair but I take issue with these things : 1 ) " Offer '' does not equate - to me and likely to most other people - to " discounts on sale items. '' No mention of discounts or sale items was included in the footnote ( screenshot attached ).

2 ) All of the items in my cart when I received the pop-up telling me that I would save 40 % on my order if I applied for and used the card were on sale for at least 40 % off. 

I chose to keep the discounts on the sale items ( as to do otherwise would have not saved as much money ) and used a different credit card to make the purchase. 

Shortly thereafter, I called Comenity Bank. I explained the situation and requested that the account be closed, and the tradeline and inquiries be removed from my bureau file. The first agent I spoke with advised she couldn't do that because the application had already happened. The supervisor I spoke with advised that because I had applied for the account, he also could not do that. He told me that Comenity isn't reponsible for what XXXX puts on their website, hypothesized that everyone gets that pop-up ( I think in order to explain why I would have received it with sale items in my cart ), and apologized for any misleading information. He advised that I could file a credit bureau dispute and provided the address to which I could submit a written request. No phone or digital options were offered. 

This is not an acceptable resolution. I was deceived by the sequence of events ( cart full of sale items followed by a pop-up promising 40 % off for my in progress purchase ) and a " XXXX '' footnote that refers to " offers '' which are not reasonably equated to sale item discounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT OR INQUIRIES or none of that. I XXXX XXXX yes the real deal XXXX XXXX, not anybody else but me XXXX XXXX was entered into credit inquiry transactions that I did not authorize or consent to at all. I am a victim of identity theft and I believe my information is being used by very very bad people on the dark web. Having these False and misleading inquiries reporting to my credit report is damaging and is hurting my ability to purchase a home for me and my baby girl. As a consumer these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. I ask that you please remove all these false misleading inquiries from my credit report so I can began to repair my credit and eventually get my daughter a house one day. please resolve this matter quickly and I mean very quickly. I have included a list of all inquiries that I did not authorize below along with the dates. 
My information was obtained without permissible purpose. 
15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint.

15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed and yes this is real me XXXX XXXX, I did not have anybody else involved when I prepared this letter so that means no unauthorized person has typed this for me. IT WAS SOLELY ME XXXX XXXX who is sending you this so no stall tactics please or I will use it in my litigation case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: EQUIFAX, 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:
In Florida, the statute of limitations applicable to a debt collection lawsuit is generally five years. This means that once five years have passed, a creditor generally can no longer file a lawsuit against you to try and recover on that old debt. BY LAW This account is for XXXXXXXX XXXX 

, incomplete, or unverifiable information must be removed very inconsistent on each report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XXXX of XXXX I noticed fraudulent accounts on my credit report and proceeded the identity theft dispute process by providing all necessary documentation including FTC and police reports. As of XX/XX/XXXX all items in questions were removed from report as they were verified to be fraud. On my credit report for XX/XX/XXXX I noticed a XXXX XXXX credit card that was previously removed was added back to report. I proceeded to dispute again on XX/XX/XXXX and XX/XX/XXXX. I called in the disputes as well and XXXX  and Transunion informed me that there was nothing they could do to help even though they could see that it was previously removed due to fraud. This has caused an indescribable amount of stress and hinderance in allowing me to qualify for credit because of this account dragging my score down over 50 points.

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 2019-10-12
Company: AMERICAN HONDA FINANCE CORP
State: NV
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:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
Company: Independent Recovery Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After seeing a collection on my credit report. I reviewed my report I did not receive any letter or any correspondence from this collection agency what so ever in reference to a debt owed. After reviewing my credit report, I then contacted the collection agency via certified mail, they received the notice with my information/dispute & correct address where I could be reached. Informed them to provide me with the information and proof of debt and I never received a update or communication via mail. 

Sent the company the dispute on XX/XX/2021 via certified mail for the amount of {$1200.00} They received the dispute on XX/XX/2021. They put Remark on my report : " Account Information Disputed by Consumer, Meets FCRA Requirements '' but never received any correspondence in reference to Proof of debt via mail being I have no idea of what this debt is in relation to. 
again I provided my Current and correct address. Also, my report has my updated correct address on file as well. 
I have also sent out a additional letter due to no response, again with the address they should be sending correspondence to. That letter was sent on XX/XX/2021 Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-11
Company: The CBE Group, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from the CBE Group. They knew my mailing address and were trying to use this as a basis to collect debt from XXXX. I have never used XXXX as a buyer nor as a seller. They insisted the debt was mine and tried to suggest that someone in my family or another person was impersonating me. I said that was not the case and yet they still insisted I owed the debt. 

After receiving multiple phone calls from them, I contacted XXXX and they confirmed that no accounts existed associated with my contact information or mailing address, so the debt is clearly not owed by me, but the CBE Group will not stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my fourth 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. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX  XXXX XXXX : - XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX  XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$2700.00} XXXX XXXX  XXXX XXXX Balance : {$3300.00} XXXX  XXXX Inquired on 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 2023-07-10
Company: EQUIFAX, INC.
State: LA
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 am writing because I see some unauthorized inquiries on my Equifax credit report that I did not authorize and I would like them to be removed immediately. Also their inaccurate personal information reporting to my Equifax credit report I would like all the old address, phone number, and jobs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30
Company: EQUIFAX, INC.
State: AL
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 VICTIMOF IDENTITY THEFT. I WAS TRYING TO BUY A HOUSE AND MY REALTOR INFORMED ME OF ALL OF THESE FAKE ACCOUNTS. THEY ARE RUINING MY LIFE. I AM GOING BROKE RENTING. I REALLY NEED HELP. PLEASE REMOVE THESE ACCOUNTS FROM MY PROFILE. ILL MAKE SURE TO MONITOR MY CREDIT PROFILE FOR NOW ON.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In accordance with fair credit reporting act.All the hard Inquiries on my credit report has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX Accounts that on my credit report has violated my rights.15 U.S.C.1681.Section 602A.States that I have a right to privacy. 1681.Section 604A.Section2. It also states a consumer reporting agency can not furnish a account without my writing instructions.15 U.S.C. 1681.C. ( A ) ( 5 ) Section states : no consumer reporting agency may makes any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes for more than 7 years

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 2024-01-08
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
When I signed up for a Macy 's credit card through XXXX XXXX, they put in the wrong address. It was highly challenging to contact them over the phone and took four attempts to get somewhere. I finally spoke to someone who said she would excuse the late fees and interest because I could not pay the card since it went to the wrong address. I paid the entire card off and closed the account. However, I received a notice that I owe {$140.00} and I can not get ahold of them again. So I felt it would be best to report it. I made it very clear that I could not pay it and I had trouble getting ahold of them and they agreed to waive all related expenses. This is shameful and unethical on XXXX XXXX to lie to 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 2023-02-11
Company: Experian Information Solutions Inc.
State: NV
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. 
XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 
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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if theperson knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit 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:
Banks can not loan money per book called XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX. Exhibit b affadavid all debts are prepaid. 

Exhibit c XXXX  vs bank of montgomery 1969. This case was about lawyer named XXXX saying he refuses to pay morgage because bank puts nothing up of value lawfully called consideration. You never told me I have no money to loan me. Sounds like fraud to me. You bill my trust and ask me for payments in federal reserves as well. Trust fraud and securities fraud. You are trying to make me your XXXX. Not happening. You can XXXX  out the XXXX XXXXXXXX XXXX XXXX and rooms to go card based on fraud so note null and void. You can open these accounts again and bill my trust only no double billing. If necessary we can supena your ceo to florida and your representative named XXXX XXXX. You are doing securities fraud and trust fraud. If you like u can call XXXX or XXXX. Be careful this is a warning to u my name is copy righted. I am not a XXXX XXXX XXXX laws dictionary uncompetitive XXXX. I am a XXXX  XXXX XXXX. If you do not want to provide me with a remedy  no problem take u to florida court

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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 166b a creditor may not treat a payment on a credit card account under and consumer credit plan as late for any reason.

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