BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-01
Company: Experian Information Solutions 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:
According to the statement made on the response to the dispute that I filed with XXXX, dispute # XXXX XXXX stay that You may request a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher of information contacted, and if reasonably available the telephone number. 

I am hereby disputing that complaint number listed above and i hereby formally request from XXXX a complete description of and all procedures used and any a copy of any documents and or detailed information as to what was provided to you, XXXX thus elevating you to the determination that this this is a valid account, and show me what XXXX used and who assisted you in the determining the accuracy and completeness of the complaints and violations that have been reported and disputed to date. 

Please provide me that information for every dispute that I have have filed with you since 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 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I am writing this to request an investigation of the following information displayed on my credit report. In accordance to the fair credit reporting act the accounts below have violated my federally protected consumer rights to privacy and confidentiality : XXXX XXXX XXXX  XXXX. 
ACCOUNT # XXXX XXXX XXXX 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 2022-07-06
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Account was opened on XX/XX/22 with Comenity BJ 's My Perks MasterCard. Since that date various charges have been made, but XXXXomenity BJ 's My Perks MasterCard continues to post no rewards. The terms of the XXXX XXXX offer 3 % on most BJ 's purchases, excluding alcohol, tobacco, lottery, gift cards, cell services, and optical purchases. 2 % on dining out and non-BJ 's gasoline, and 1 % on all other MasterCard accepted charges. Despite these conditions being part of the credit card agreement, no rewards are being credited to the account for purchases made to date, and the online services list incorrect reward percentages. Please review the attached documentation. 
According to calculations on the Rewards Activity sheet, Comenity BJ 's My Perks MasterCard owes {$14.00} in Rewards. Furthermore, pursuant to the Summary sheet they do not even credit the same awards that they issue on the activity sheet. The Summary Sheet should accumulate {$32.00} in awards available, and {$0.00} redeemed. 

Comenity BJ 's My Perks MasterCard does not respond to direct secure messages or phone calls to their customer service center. 


..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: MI
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:
FCRA violations : accounts not mine U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/2017 Balance - Status Collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
IT IS ILLEGAL TO PLACE A CHARGE OFF ON A REPORT. SEND XXXX XXXX TO DEBTOR. YOU CAN NOT REPORT A LOSS TO THE IRS AND STILL TRY TO COLLECT NO KNOWLEDGE OF ACCOUNT PLEASE REMOVE AND SUPPRESS. SEND XXXX TO DEBTOR IS NOT REPORTING ACCURATELY ACROSS BUREAUS, REMOVE IMMEDIATELY REPORT ATTACHED UPDATE AND SUPPRESS NEGATIVE INFORMATION I BEG SOMEONE IN CFPB TO INVESTIGATE HOW HARD IT IS TO GET TO YOUR ONLINE ACCOUNT UNLESS YOU ARE PAYING LIKE EXPERIAN... WE HAVE TO PAY TO SEE OUR OWN SO CALLED DATA. I AM SICK OF THIS. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts

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 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Dear CFPB, I received a copy of credit report and have found the following item listed below to be an error. This account is listed with a 30 day late payment and that is incorrect. The following account was never late and should be listed as Paid Satisfactory. 

XXXX - I was never late on XX/XX/2019 on this account. Please update the account as Paid satisfactory. 

By the provisions of the Fair Credit Reporting Act, I ask that these items be investigated and removed from my report. It is my understanding that you will recheck this item with the creditor who has posted them. Please again remove any information that the creditor is unable to verify.

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 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
FCRA violations : accounts not mine U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/2017 Balance - Status Collection account.

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 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was called by my bank indicating my credit score dropped drastically. 
XXXX XXXX  charged me an annual fee and did NOT notify me or call but indicated I have not paid it and am passed due. 
One customer service person said I owed {$89.00} since last XXXX. 
The supervisor said it was due XX/XX/XXXX. 
I was never notified instead they reported me late. 
They would not reverse the charge unless I closed the account. 
They need to remove any late dings to my report at once.

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 2023-05-05
Company: Experian Information Solutions Inc.
State: IN
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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2022-07-06
Company: Experian Information Solutions Inc.
State: MI
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:
FCRA violations : accounts not mine U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/2017 Balance - Status Collection account.

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 2018-11-02
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have two accounts with American Express. Both of these accounts are in a debt consolidation. I have been advised by my bank that American Express has debited my account for the past month of XX/XX/2018 in the amount more than {$500.00} on numerous days. 
I called American express, I did not authorize these charges. American Express is " looking into the matter. '' I called my bank and they put a stop payment on the latest on for {$200.00}. The rest is being investigated for fraud. 
I need American Express to be made to account for their underhanded way of conducting business. 
Thank You

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I cancelled my Bank of America XXXX  XXXX Business credit card on XX/XX/2019 and the company assured me that they would release the " hold '' they have on my Certificate of Deposit ( CD ) account that I opened with them for {$1500.00} as collateral for the secured business credit card.

I've called 4 times in the last week and asked them to release the hold on the {$1500.00} CD account I have with them, and each time they told me that they will fix it within 24 hours so I can cancel my CD account. However, each time they have not followed through.

They are purposefully delaying this process so that they can force me to automatically renew the CD account I have with them. This CD account earns a paltry interest rate. I've earned less than {$0.00} for the entire YEAR that I've kept the CD open with them.

I believe that they are manually keeping the " hold '' they have on my CD even though my credit card is cancelled so that they can force me to auto-renew my CD with them. They know the interest rate is garbage and this is their way of keeping account numbers and retention numbers high. This is absolute garbage and a horrible way to treat consumers just to preserve growth numbers and bump earnings reports.

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 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 - Account # XXXX - has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
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- States A consumer reporting agency can not furnish an 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 conviction of crimes which antedates the report by more than seven 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 non-monetary relief
Consumer complaint received 2022-05-18
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a phone call on my cell phone on XX/XX/2022 that had my bank 's logo ( US Bank ) and their phone number. I was scammed out of {$5500.00}. I have attached a detailed description of what happened. I contacted the bank immediately at XXXX am the following morning to file the report. I've filed a report with the police department, and contacted my local bank branch again on XX/XX/2022. They stated they would re-open the claim and I've heard nothing of what has happened with it. Once I received the attached letters I called to ask for the documents used in the investigation and the gal on the phone told me they wouldn't provide me any personal information, and they have yet to send me any investigative documents at all.

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 2021-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Received credit inquiry from Kohls on XX/XX/2021. Inquiry stated wrong address input, further investigation required. 
I have no knowledge of this inquiry and no credit application was completed. Also, input address is not my current or previous address. Possible fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: American Collections Enterprise, Inc.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit history and seeing this collection on my credit report, I had received no notice of it. The company has not contacted me. I have never received a letter informing me of the balance, nor that it was sent to a debt collector. I had no knowledge this bill existed.

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 2022-05-18
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
CFPB STATEMENT Im writing to delete the following information in my file. The item I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I am writing to dispute the fraudulent items from my credit report. This account that is listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items 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 2019-01-30
Company: EQUIFAX, INC.
State: AR
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:
XXXX XXXX XXXX XXXX XXXX XXXX CARD NO.XXXX IS REPORTING AS DISPUTED, THIS ACCOUNT SHOULD BE OPEN PAID IN FULL NEVER LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Consumer Financial Protection Bureau 1700 G St. NW Washington , DC 20552 XX/XX/XXXX Dear Sir or Madam, I am writing to report an invalid practice or potential fraud by Bank of America ( BOA ) related to the withholding of a {$200.00} reward bonus. 
In accordance with the attached offer letter ( Attachment 1 ), I was informed by BOA that I would be eligible to receive a {$200.00} cash reward upon making at least {$1000.00} in net purchase by XX/XX/XXXX. As per my records, I made a purchase of {$77.00} at XXXX on XX/XX/XXXX ( Attachment 2 ), which contributed to my net purchase amount exceeding the specified threshold at {$1000.00}. This was based on the cumulative total of {$1000.00} before XX/XX/XXXX. XXXX, ( $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$1000.00}. 

However, it has come to my attention that BOA has altered the transaction date for this purchase to XX/XX/XXXX, as indicated in a monthly bill from BOA ( Attachment 3 ). This change in transaction date has resulted in my failure to meet the spending requirement for the reward bonus. It is essential to note that the purchase with an expense of {$77.00} took place on XX/XX/XXXX, and the order was received from XXXX on XX/XX/XXXX and XXXX, XXXX. 

I have diligently communicated with BOA on multiple occasions, engaging with representatives at both BOA headquarters in Texas and the local BOA branch at XXXX XXXX, XXXX, NY XXXX. I wanted to provide them with evidence of my purchase ( Attachment 2 ) and expressed my concerns. Unfortunately, my requests have been denied twice, and I have been informed that BOA intends to conduct its own investigation into the matter. However, the responses I have received have been unsatisfactory and have merely stated that I do not qualify for the {$200.00} cash rewards bonus ( Attachment 4 and 5 ). 

I am seeking the assistance of the CFPB to conduct a thorough investigation into BOAs invalid practice or potential fraud. It is my hope that your expertise and intervention can help rectify this matter and ensure that I receive the rightful {$200.00} cash bonus that I am entitled to. 

I am fully committed to cooperating with any inquiries or requests for additional information from your esteemed agency. Please feel free to reach out to me if you need any further details. 

Thanks so much for your attention to this matter, I am looking forward to hearing from you. 

Sincerely, Attachments : 1-5

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 2023-10-20
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am currently going through divorce, I have a certain of amount of time to regain legs after this ordeal, on XX/XX/2023 I looked at my credit profile and noticed some collections accounts I knew nothing of. I disputed the collections, which to LVNV did not respond. XXXX XXXX responded as the image I will load titled XXXX XXXX, they claim they have contracted with LVNV to collect on this account. I am aware of the FDCPA and laws collection agencies must adhere to, there are multiple violations as shown in attached file XXXX XXXX No proof of claim was sent to me by LVNV instead they contracted/sold my personal information to XXXX XXXX while they still report LVNV on my credit profile, at this point I feel deceived and mislead do I owe XXXX  XXXX, LVNV, or XXXX XXXX. XXXX XXXX and LVNV have violated my rights under the FDCPA with no Proof of Claim which they have not provide by law they must deleted from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have contacted XXXX XXXX and all three credit locations to inform them that this account is settled with XXXX XXXX. I have provided documentation to show that this account is settled.

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