BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-30
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I obtained my credit report and discovered multiple errors. I sent a letter to Experian stating I was disputing a Bankruptcy on my record. The first letter that I sent was on XX/XX/2017 and it was signed for on XX/XX/2017. I received a letter back stating they had " verified '' this using a third party ( XXXX ). I sent a second letter on XX/XX/2017 and it was signed for a few days later stating that I was again requesting the information that they used to " verify '' the bankruptcy. Again, I received a letter saying they verified this information using XXXX, but did not provide any documentation to me as verification. I called Experian and asked to speak to a supervisor in dispute. Again, I was told that the information was verified and I was denied any proof when I requested to have it sent to me. My inquiry to the U. S. Bankruptcy Courts confirmed Experian Credit Bureau has never validated nor verified the public record entries on my credit report, and that they do n't report to the credit bureau. They further more stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. I have given Experian multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated.

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-10-30
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: Personal information incorrect

Complaint:
There are several inaccuracies on my consumer report. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I apply for a loanme XX/XX/XXXX for {$2500.00} at {$300.00} a month of payment feed for 12 months the company contacted me around XX/XX/XXXX about some other company will be colllecting payment on the my personal loan as of XX/XX/XXXX the balance was {$1200.00} I made A paymnet of {$300.00} XX/XX/XXXX and XXXX on XX/XX/XXXX on XX/XX/XXXX I contected loanme to make a payment loanme inform me that the my account was charge off without inform me and after I made a payment XX/XX/XXXX and XX/XX/XXXX I contected the collecting agence the inform the loan said my last payment was made XX/XX/XXXX will I have made 2 payment XX/XX/XXXX and XX/XX/XXXX and don't understand why loanme charge off my account and I was make payments and loanme said my bal was {$1500.00} and bal as my understanding should be {$750.00} after I made the 2 payment XX/XX/XXXX and XX/XX/XXXX I ask for my paymnet history they inform me they don't have my payment history because they charge off my account why I would like to happy my chargeoff recalled and my payment history and my corrected bal Loanme Account # XXXX PH # XXXX Collection Company XXXX Account # XXXX PH # XXXX Please Help Thank XXXX XXXX XXXX PH # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 asked the credit bureaus to do a verification of everything on my credit report and they did. They stated that everything was accurate. I did a thorough research myself and I found improper inaccuracies on my credit report even after they did the thorough research. 

In accordance with the Fair Credit Reporting act XXXX account numbers written below, has violated my rights. 

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

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

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 non-monetary relief
Consumer complaint received 2017-04-03
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I called on XX/XX/XXXX to have a XXXX XXXX credit card removed from my credit that has the First Delinquency date of XX/XX/XXXX. It is due to be removed on XX/XX/XXXX but last month I called in to get a few things removed early so I thought I would call in today to get this last negative off my credit. I was told the date has been changed to XX/XX/XXXX for chargeoff. That is incorrect as my last payment and first delinquency is XX/XX/XXXX. I have a report from Experian dated XX/XX/XXXX that also shows that 's the info the had and at some point changed this without notifying me. I spoke to XXXX and they also stated my last payment was XX/XX/XXXX and it is not on my other XXXX reports. I tried to dispute this with Experian and was told I could n't because it was disputed in XX/XX/XXXX. I have attached the report from Experian from XX/XX/XXXX that clearly shows this.

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 2017-03-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian has fail to provide me with proper documentation regarding a XXXX account that I have disputed in the past and is still been reported 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 explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, INC.
State: TX
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that are incorrect ( XXXX, Equifax and XXXX ) are the ones reporting false information. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX   XXXX   XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX . T  XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX ,  XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XX/XX/XXXX ,  XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .  XX/XX/XXXX   XXXX   XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX .  XXXX   XX/XX/XXXX ,  XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX .  XXXX   XX/XX/XXXX .   XXXX   XXXX   XXXX    XX/XX/XXXX .  XXXX  XX/XX/XXXX .   XXXX   XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX . This company, which I hold no contract with nor have received services from reported inquiries against my ssn with TransUnion,  XXXX , and   XXXX    credit reporting agencies. I have requested verification of the accounts, however the businesses failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to have these hard inquiries. I demand the businesses remove the negative report against my ssn at any credit reporting agency, including but not limited to TransUnion,  XXXX , and  XXXX . In addition, the businesses agrees to have no contact in any form with me regarding these accounts now or in the future. They agree to remove my personal information from all accounts in The companies database. I had a problem with these a while back they was deleted and due to TransUnion and  XXXX  glitch in the system they were added back on my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I have contacted TransUnion and   XXXX   in good faith to ask them to delete the inquiries that they had illegally readded. These inquiries are adding a hardship on my credit and I feel my rights were violated by TransUnion and  XXXX  I wish that TransUnion and  XXXX  would stop victimizing me. As a resolution I wish that all of my inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 2022-05-02
Company: EQUIFAX, INC.
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:
In accordance with the fair credit reporting act 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 # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I work for an airline and have a checking with NFCU that I use only for international traveling to avoid fraudulent transactions, since my route is XXXX and that destination has many problems associated with fraud and identity theft. 
On XX/XX/2023 I requested an XXXX ride via pp, but canceled three requests, due to the fact that drivers did not show up on a timely manner. 
During that time I saw the three transactions showing as pending transactions on my account and thought it would drop from my account, but on XX/XX/2023 the three transactions related to the canceled rides did posted my account and I contacted NFCU on XX/XX/2023 to request disputes to be placed, since it was international charges and I could not contact the merchant ( XXXX ). 
I also submitted a screenshot of XXXX canceld rides to NFCU to assist on their investigation. 

After calling NFCU, I received an immediate provisional credit in the amount of {$4.00}, but the other two transactions did not get processed, so I have contacted NFCU several times to verify that the other two transactions were processed. About a week ago, I was told by one of the NFCU representatives that provisional credits would be posted to my account no later then XX/XX/2023. 
But as of today, the credits are still not showing on my account. 
Today I contacted NFCU again and spoke to XXXX, a supervisor to NFCU and he told me that my disputes have not eve been assigned to anyone yet, and he had no prevision on when it will be assigned. I asked if he could send a request to expedite the process and he said that is not possible. 
My funds are still being held at NFCU and my disputes are not being processed for a final resolution and refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-22
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
On the Experian page where my credit report is, I looked at the data for my XXXX XXXX. 
It show that I made payments for XXXX XXXX XXXX and XXXX. 
It did not show my XXXX payment. 
I opened a dispute and said the XXXX payment check mark showing I payed in XXXX was not showing. 
Then dispute number is... XXXX They came back and said they checked with XXXX and said the following in the Dispute results. 

What happened? 

The dispute for the account with XXXX XXXX  XXXX/XXXX  that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

Source : Experian Date Submitted : XX/XX/2021 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX/XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  NY XXXX I have taken a screen shot of my XXXX XXXX XXXX statement which I will include. 
Also and this is IMPORTANT. 
On the Experian site they show that my XXXX XXXX Account was opened on XX/XX/XXXX! 
Now I don't know what XXXX XXXX person they gave to handle the dispute but they need to get their act together. If they had even looked at their Experian site and clicked on The cards Account info,,, ,this is what is says ... this is a copy paste from that document. 

over over labels for more details Account number XXXX Account status Open Date opened XX/XX/2021 Account type Credit Card Date opened... XX/XX/XXXX! I also have a screen shot of my XXXX statement and it shows I paid {$4.00} in the month of XXXX. I will include that in this complaint. 

My guess is they never contacted XXXX because if they had, XXXX would have said I did make a payment in XXXX and that the card was in fact opened in 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 2023-09-18
Company: Bread Financial Holdings, Inc.
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:
I have had nothing but problems with payment on your account, the issue appearing to be on your end. The last 3 times I have paid my bill in full through my XXXX XXXX bill pay, you call me stating you did not receive payment. Then I get bills showing two payments received and one returned. The last time this happened, I closed the account. 

My phone log indicates I called you at XXXX XXXX  on XX/XX/XXXXXXXX  for the first issue ; at XXXX XXXX. on XX/XX/XXXXXXXX  for the second, and this last purchase indicates calls from me to you on XXXX, XX/XX/XXXX, at XXXX XXXX., follow up calls on Tuesday, XX/XX/XXXX, at XXXX XXXX, XX/XX/XXXX at XXXX XXXX., and today, XX/XX/XXXX at XXXX XXXX. 

Name : XXXX XXXX XXXX Account # : XXXX Dollar Amount : {$62.00} Description of Problem : This last purchase, I received the bill for {$220.00} and processed the payment through my XXXX XXXX bill pay with payment being mailed XX/XX/XXXX. 
I received a call XX/XX/XXXXXXXX  stating payment had not been received. I was moving that day and did not have access to my info. 
I called back on XX/XX/XXXXXXXX  and made a payment by phone for {$220.00} and I called the bank to stop payment ( however, it had cleared the bank ). 
I then received my bill ending XX/XX/XXXXXXXX  indicating my original payment was posted by you on XX/XX/XXXXXXXX  and charging me a {$30.00} late fee. 
I called XX/XX/XXXXXXXX  contesting this late fee. However, I was told that I had a credit of {$190.00}. I requested a refund of that credit and was told it would happen within a 30-day period. 

I then received my statement ending XXXX XX/XX/XXXXXXXX  indicating payment of {$220.00} received XX/XX/XXXX, and returned payment of {$220.00} on the same XX/XX/XXXX. The statement then indicates a returned check charge dated XX/XX/XXXX and a minimum interest charge of {$2.00}. There should be no charge as I was advised on XX/XX/XXXXXXXX  that I had a credit of {$190.00}. Therefore, there is no interest to be charged. And the fact that you hit me up, yet again, for a duplicate payment by phone, and then have to refund it should not cost me anything. I contest these charges. I requested you to close the account in XXXX because of the shenanigans with the processing of payments. 

Please reverse all charges for returned payment and late fees as they are not due to my lack of response, but rather your mishandling or inability to timely process payments. I further demand that all negative reporting to credit unions be removed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

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 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