BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: MA
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:
My name is 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 2023-05-01
Company: Experian Information Solutions Inc.
State: CA
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX Date opened XX/XX/2017 Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2023-10-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX XXXX  I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I begin to use the funds in my XXXX XXXX XXXXXXXX account after making payments with my cards for my out of pocket fees deductible and copays. After using my money in my account XXXX XXXX XXXXXXXX dropped my credit balances on 2 credit cards from credit lines of XXXX to the balance of {$3200.00} and {$2900.00} actually charged balanced amounts and closed my cards. I called to find out why they done this and was told that XXXX can lower the credit line whenever they wanted but provided no reason for the decision was made. 

XXXX XXXX XXXXXXXX reported to the credit bureaus that I maxed out my cards and that they accounts were closed without notifying me. I deputed with the credit bureau Equifax and XXXX send false delinquent payment info to the credit bureau when I was previously in good standing with no late or delinquent payments on my accounts. I reported Unfair Credit Reporting because I was approved for the National Hardship Debt Relief Program over 2 months ago after XXXX caused a chained reaction with my other credit cards causing my credit score to drop over XXXX points in 2 weeks because they reported every 3-4 days. Now I can not qualify for anything. My score went from XXXX to XXXX and they are still reporting. Once on the debit Relief Program all credit reporting is suppose to Stop. But they keep reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
Company: Incomm Holdings Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX I reported that my ex husband, a known hacker, hacked into my XXXX account and stole 5 vanilla gift cards and used one {$50.00} card to Vanilla gift card disputes. Vanilla then froze the remaining 4 cards, totaling {$200.00} so no one can use them and reimbursed me the {$50.00} my ex used but failed to reimburse me in the other 4 unused cards totaling {$200.00}. On XX/XX/XXXX, I phoned in follow up about the cards and was told not to contact them again until after XX/XX/XXXX, XXXXbecause those cards are being reviewed and a decision would be made then. On XX/XX/XXXX, I DID fax Vanilla disputes, ALL the required information they needed to process the refunds, which was a copy of my purchases, a copy of my drivers license, a copy of a current utility bill showing my physical and mailing address, and the form they provided me for processing. 

On XX/XX/XXXX, I followed up again on the cards. They decided to go ahead and send me my refunds. It was around XX/XX/XXXX I received the {$50.00} gift card reimbursement on the card my ex used with a letter that they determined he had made fraudulent purchases from that one card but still no word on the other 4 gift cards still totaling {$200.00}. I decided to be patient thinking the rest was coming soon. 

On XX/XX/XXXX, I phoned Vanilla to inquire about what happened to the rest of the case, the other 4 gift cards. I was told they were processed and were being sent on XX/XX/XXXX. I waited all of XXXX and nothing came in. 

On XX/XX/XXXX, to the present ( XXXX, I made numerous calls and to Vanilla and by now, no one knows anything about my case. I need advice on how to proceed next. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Old charge-off by XXXX XXXX, sold to XXXX XXXX, sold to XXXX, in-house entity of XXXX XXXX, paid old debt off in full, got receipt from XXXX n a  release from XXXX XXXX, been sent multiple times, it's the last debt I owe anyone so kindly acknowledge that because you folks r doing nothing more than holding me back from improving my life further because of this one credit " roadblock '' that has been paid in full n released from the creditor months ago!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: MI
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:
PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: FL
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:
XXXX. XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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 response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect

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 2021-05-02
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX ; XXXX, the company Merchant 's Credit Guide Fraudulently reported on my credit profile that I am in debted to their company. I never entered into an agreement with this agency, please remove this collection, or I will be forced to pursue litigation. The next steps are to file a Complaint with the State Attorney General Office in my State.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit Control Corporation, a third party debt collection agency, purchased my alleged debt from XXXX XXXX Hospital for {$2700.00}. Credit Control corporation additionally placed a collection on my consumer report without permissible purpose or consent. Credit Control Corporation also obtained my medical records and social security number without my consent or permission. Credit Control Corporation continues to harass my self, friends, and family members weekly via phone calls. Credit Control Corporation is in violation of the following Federal Laws : 15 USC 1681 - Right to Privacy 15 USC 1681d - Disclosure of Investigative Consumer Report 15 USC 1692 - Any Debt collector Shall not state that an Consumer owes any debt EACH VIOLATION IS {$1000.00} In regards to a follow up response from the complaint ( XXXX ) I initially submitted on XX/XX/2022, The response is entirely false, untrue, & incorrect. It says in very clear English that Credit Control Corporation collects debt. I followed through with extensive research & minor legal action that your statements were 100 % false. Your company has violated my HIPPA rights along with the following US Codes - Consumer law ; 15 USC 1681 - Right to Privacy 15 USC 1681d - Disclosure of Investigative Consumer Report 15 USC 1692. 

Each violation is {$1000.00} I look forward to a prompt response. 
Thank you,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
The credit bureaus have ignored my attempts to have this negative account deleted from my credit report. XXXX Bank has written off the debt and sold the three accounts to debt collection companies. If theyve sold they debt, they should no longer report the debt is owed to them on my credit report and it should removed entirely as they are inaccurately reporting on my credit and misrepresenting themselves as the Owner of the debt with XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. The Credit Bureaus has continually ignored my requests to have this inaccuracy deleted and it has prevented me from being extended credit in different circumstances. I asked them to provide me with proof of charge off/1099c form for charged off debt, they did not, they sold thirds debts long ago and they are still attempting to collect on it. They debts are also reporting different across the three credit bureaus. Consequently, please have them delete these three inaccurate accounts from my report immediately as they are in violation of the FCRA and 15 USC 1692 G validation of debt. Because they dont own they debt, how are they validating it as accurate?

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 2021-06-17
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened an account and made one purchase at XXXX. I understood that I would receive a card and statement in the mail. I did receive the item purchased fairly quickly but waited to receive a statement. One did not arrive until XX/XX/2021, a full 3 months after the purchase and to date I have not received the credit card. Without the credit card or statement I did not have the account number nor the phone number to know how to contact the company. When I did receive the statement on XX/XX/2021 it indicated {$100.00} total fees charged and interest charged of {$2.00}. The statement I receive does not indicate the item purchased or the amount of the purchase but based on simple math it would appear that the items purchased was {$25.00}. 
I called to make a payment and to ask why I had not received a card or a statement prior to this date. I was told that the statements were paperless ( which I did not request ) and they only verified my address but had no response to my inquiry about the card. I have always paid my bills and would have done so with this company had I received any information. I did not find any emails and can only assume that they went to spam and eventually disappeared. 
The representative do nothing to abate my concerns and told me they have now closed this account. I did pay all of the balance due on the account but can honestly say this is the worst experience I have ever had with a credit card company. Not only will I not use this company ever again, I will not be making any further purchases with XXXX since they are using this company.

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 2019-11-19
Company: Bread Financial Holdings, Inc.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a dispute to XXXX  XXXX  XXXX  and they never responded back and they started a lawsuit without giving me the opportunity to dispute the validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a landline phone and a mobile phone and am not getting incoming calls as I have had in the past. When I am expecting credits to the secured bank account it takes sometimes an unbelievable amount of time for deposits. The bank has had me change debit cards for frivolous reasons and I just incurred this advice again regarding a question I had about an issue. No way do I believe this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act. The list accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX, Avant # 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am distressed that XXXX have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. XXXX account XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I've disputed my date of first delinquency for my XXXX XXXX. trade line with Experian and each time, they've changed the date the trade line should be deleted. The most recent deletion date was to be XXXX, 2021 and it is still on my credit report. I believe it should've been earlier but had to accept this date and Experian nor the other credit bureau agencies deleted the trade line.

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 2018-04-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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:
Portfolio Recovery is reporting an account as open when it was paid in full inXX/XX/2016.

In addition, they are reporting this account as 1.Factoring account 2. Updating it monthly 3. Reporting an open date, I signed no contract.

4. Reported after full payment on account 5. Refuse to close account after several disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
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: Was not notified of investigation status or results

Complaint:
Spoke with XXXX XXXX with Dept of Ed about Borrowers Defense. I applied XXXX for Borrowers Defense with the Dept of Education. 
Dept of Ed notified lender XXXX that I was approved for Borrowers Defense on XX/XX/XXXX for all Loans related to XXXX XXXX XXXX XXXX XXXX XXXX ( part of XXXX ) total amount {$190000.00}. XXXX is part of XXXX XXXX and has been identified as fraudulent in their advertising and charges. 
I have made several attempts to have XXXX remove inaccurate balances, and payment history from my credit report. These loans are also currently collecting interest on inaccurate amounts. 

This is in direct violation of 15 usc 1681 ( 2 ) ( a ) ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief