BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
Company: Bread Financial Holdings, Inc.
State: IN
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:
Comenity Bank On or about XXXX of 2022 I found on my credit a charge card from Big Lots Of department store through Comenity Bank. I called and they told me it was opened by my ex-wife. I told them it was not my debt, nor would I pay it. I filled in a police report and an affidavit with FTC. I have opened investigations with the three major credit bureaus as well as XXXX XXXX, XXXX, XXXX XXXX, and XXXX. They all Sent letters and refused to take the debt off my report, causing me great harm and loss. I have sent numerous registered mail services to address this issue including copies of my drivers license, copies of the police reports and the affidavits, as well as all other associated documentation. The reason for their refusal to remove the inaccurate credit listing is that the lender verified the debt. I have sent more than one letter of registered mail to the lender with no answer nor the removal of any inaccurate information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The companies are continuing to report inaccurate items on my credit repair company after I warned them once I sent my second warning off letting them know to stop illegally reporting the items im attaching my letters I sent to them containing all the information neccessary

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had a vehicle loan with Pentagon Federal Credit Union for approximately the last 18 months in which I make on time payments via their website each month. This month I am traveling overseas and attempted to login to make my payment which is due in the next few days ; only to have my access blocked and to be told that I need to call their customer service department. I immediately contacted their customer service department which was of course closed at the time. I contacted the number provided to me once again when they reopened and spent an incredible amount of time with an agent verifying ID information and receiving a text message to my mobile phone which I in turn also had to provide her. I expressed my concern that I simply needed to make a PAYMENT on my account and was told there is nothing she can do and that I need to speak with a DIFFERENT department that was not currently open. I then advised her that I would PUSH a payment from my checking account with a different bank and was told that they would not accept my payment and would return it. 

This appears to be a clearly fraudulent business practice that PenFed is blocking consumer accounts for supposed security reasons and then not allowing a payment to be made on a DUE account and thereby potential causing customers to incur late fees and derogatory credit marks on their credit file. 

From my research online PenFed seems to have a habit of blocking consumer accounts and then creating havoc to get them unblocked when people try to access their accounts overseas or via a Virtual Private Network ( VPN ). While I understand the need for security measures blocking a consumer from making a payment directly from their account at ANOTHER bank ( a PUSH payment ) appears to be a fraudulent and deceptive business practice. The agent advised me that under no circumstances would a payment be allowed on the account until I spent additional time contacting some other Department.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as 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 non-monetary relief
Consumer complaint received 2020-09-29
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account name Mercantile adjmnt original creditor discount power which is a light company sold my information that they didnt supposed to do. The keep reporting this account to the credit bureaus thats not right The information is not accurate I can not have two light company serving my address at one time I have a contract with another company My contract expires with discount power my account # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: MN
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 to address an issue regarding my credit report. It has come to my attention that a number of creditors have accessed my credit report without my permission, or without my knowledge of your company being involved. According to the Fair Credit Reporting Act, creditors have an obligation to provide me with a notice before accessing my credit report or making a decision based on it. 

I would like to emphasize that I did not authorize these companies to access my credit report, and I never given permission for these creditors to be on my credit report or access my credit information. As a result, I kindly request that they be remove any information regarding these companies from my credit report immediately. 

I understand that under the Fair Credit Reporting Act, derogatory information can remain on my credit report for up to seven years. However, in this case, since your company accessed my credit report without my consent or knowledge, I believe it is unjust to have this information on my report. 

I expect prompt action on your part to rectify this situation. Please provide me with written confirmation once the unauthorized information has been removed from my credit report. Additionally, I would appreciate a detailed explanation as to how this unauthorized access occurred and steps taken to prevent such incidents in the future. 


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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 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Back in XXXX i sent letters to the bureaus regarding inaccurate information and they still have not responded. Later only to find out they lied on their website as to what address to send dispute items. I gotten no response from the bureaus yet.

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 2019-02-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently had my credit report pulled on XX/XX/XXXX. 2019 and I noticed there were several hard inquiries that were removed and has now been reinserted. I called Equifax and spoke with a US representative who removed those hard inquiries. I have since then noticed that they were reinserted and I NEVER received a 5-day notice which is a FCRA violation. I am requesting that all hard inquiries that are being incorrectly reported be removed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: NY
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:
To Whom It May Concern : This is a notice that the following account ( s ) notation and or items violate customer and consumer laws. If these errors are not corrected immediately you will be subjugated to penalties described in 15 U.S.C. 1681 n Civil liability for noncompliance. 

These are the errors that must be corrected immediately to avoid such penalties : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX DAY LATE ; delete late payment notation and update to paid 2 ) XXXX XXXX XXXX COMMENT CURRENT REDEEMED REPOSSESION ; delete current comment 3 ) XXXX XXXX XXXX STATUS Paid, was past due 30 days ; update to Paid satisfactorily My latest EXPERIAN report number XXXX 15 U.S.C XXXX 6802 Obligations with respect to disclosures of personal information ( a ) Notice of requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

XXXX XXXX has not provided a notice that complies with 15 U.S.C 6802 ( a ). 

Also Congress has mentioned consumers right to privacy on many occasions such as in 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for consumers right to privacy. Emphasis added These harmful items were deleted from my report, and then reinserted in violation of 15 U.S.C. 1681 ( 5 ) ( i ) which is another violation of law. 

Do not delete the XXXX XXXX account referenced above, correct it so it reads as stated in lines 1 and 2. Your company has violated consumer protection laws numerous times in relation to this accounts reporting and has shared this incorrect information with countless companies causing me actual harm. Correct your illegal reporting immediately. In occurrence with well establish consumer protection laws immediately.

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 2023-07-06
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I got a notice from the Navy Federal Credit Union and the letter stated this : " Under New York laws, you have the right to request a large print version of any collections notice you may receive. '' I have no accounts with this credit union. 
I called Navy Federal Credit Union and they put this account on fraud alert. They will do the claim on this account and will mail me the results within 10 days. Whoever set up this account also got my social security number which I'm very worried about. I called XXXX and they will put my report on alert after I send them identification. I plan on calling social security to alert them on what's happening. I'm very worried this person will set up other accounts under my name and try to steal my money. I don't have any of my personal accounts online in hopes that something like this would never happen. But it did anyway. I don't know how they got my social security number and that really troubles me.

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 2022-11-17
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I vehicle was repossessed and sold by Santander Consumer USA. The difference from the sell of the vehicle and my finance charge has been added to my credit report as an unpaid debt. Santander Consumer USA didn't disclosed several key factors involved in our contract. From explaining conscise and conspicuously what my finance charge was, how my APR was calculated and that security interest secured all obligations. These are clear violations of our contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: MO
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:
This is XXXX XXXX submitting this CFPB complaint requesting the Credit Bureaus to correct the disputed accounts referenced below. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$3100.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Sequium Asset Solutions, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021, I received a letter to collect a debt from Sequium Asset Solutions , LLC. It stated I owed {$130.00} to XXXX XXXX XXXX XXXX, which is untrue because I paid the remaining balance when I canceled the XXXX XXXX XXXX service with the representative over the phone. 

I wrote back Sequium within 30 days after receiving the notice using XXXX  to verify the debt 's validity. Also, I asked for proof to show I owe a debt and agreed to pay a debt in the same letter. Sequium never responded. 

The following month I received an alert from my credit monitoring service that something 'negative ' was added to all three of my credit reports. I was appalled to see it was Sequium on my credit reports. So in XXXX of XXXX, I wrote Sequium again by XXXX asking for proof to show how I owe a debt that did not exist. Sequium never responded.

I disputed the debt 's validity to all three credit bureaus by XXXX, and each credit bureau reported back that Sequium verified the debt. However, this time the debt was verified, but Sequium updated the date of the debt.

So far, I have written Sequium three ( 3 ) letters through the XXXX XXXXince XX/XX/2021, and I have not yet received any response. Additionally, I have not received any information on the original creditor 's debt, how Sequium came up with a balance of {$130.00}. I also asked to show proof Sequium is allowed to collect debts in the XXXX XXXX South Carolina. 

As of today 's date, XX/XX/2021, I have not received anything from Sequium regarding this frivolous debt which continues to have a detriment on my credit score and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Experian Information Solutions Inc.
State: MT
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 reported on XX/XX/XXXX to EXPERIAN, that a student loan in the amount of {$31000.00} was paid off in XX/XX/XXXX. The debt was owned by XXXX XXXX XXXX XXXX ( XXXX ) I provided documentation to EXPERIAN that the debt was paid off. 
EXPERIAN reported that XXXX XXXX certified the debt as current. 
The document provided from XXXX XXXX clearly shows the account is at a zero balance.

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is XXXX XXXX submitting this CFPB complaint requesting the Credit Bureaus to correct the disputed accounts referenced below. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$3100.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX Late Payment {$0.00} Yes XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX 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