BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: GA
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 am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$28000.00} XXXX XXXX   XXXX {$220.00}

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 2020-08-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates continues to call my phone and my husband 's phone for an old credit card debt which belonged to his deceased father. The first time they called, I was very patient - I gave the last 4 of my husband 's social - which of course - did not match the account they were trying to collect. They also had the wrong birthday because it isn't my husband 's debt. 

The first caller then tried to switch gears - telling us even though the debt wasn't ours and the man it belonged to was no longer alive - we owed it because we are " next-of-kin. '' I had to laugh at that one and  tell him that he was flat out lying to us and to take our numbers off his list. Then a week later someone identifiing herself as XXXX XXXX called again with the same speech.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received notification from a law enforcement agency that my name and personal information was discovered as being fraudulently traded, and that I should pull a credit report and place a credit freeze immediately with all three agencies. I was able to easily place a freeze on my credit with XXXX   and XXXX, but Experian is making it impossible to do so. The online system says it will not verify me, and the phone system says the same thing. There is not any customer service number at which I can speak to a person or any system where I can go through steps to prove my identity so that I can place a freeze. Both the phone and online systems just tell me that I should communicate with them by mail regarding my issues and give my an address in Texas at which I should mail them a letter. Again, all I want to do is place a freeze on my credit to prevent fraud given the apparent compromise of my personal information. The other agencies made this a quick and easy process, Experian has made it impossible.

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 2023-02-13
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
COMENITY-XXXX  XXXX claims not receiving {$100.00} payment sent by XXXX XXXX XXXX XXXX 
XXXX reported sending payment, just not cashed. 
So, COMENITY claimed no check received, late fees will not be waived. I told them I was : XXXX ) Canceling the Credit Card and Account, XXXX ) Stopping payment on the check, since if the dont have it, it could be lost. And asked them to not cash the check as I was canceling the check. 
XXXX ) Sending a check for {$130.00}. 
About a weeks later, my bill pay showed the check for {$130.00} cleared my bank. 
A couple days later, I received notice from my bank that someone tried to cash the original check for {$100.00}, but was stopped as the check was reported lost. 
A couple weeks later ( today ) I received a bill for the returned check fee from the original check COMENITY tried to cash that they claimed they did not receive. 
They adamantly refuse to cancel the charge for the bounced check. 
At the time they tried to cash it, I owed them no money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-26
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I went to log in to my US Bank business checking and savings account and I was informed by the online system that my username is suspended and to call their online banking team XXXX. I called and was informed by them that I need to contact my " Home Branch '' which considering I'm not in the normal service area for US Bank I had to call their corporate line and was informed that the account is impending a mandatory review. Later in the day I called the main line again and was informed by a representative named XXXX that the account is being closed and that a check will be issued. I never used the account in an inappropriate or illegal manner. My usage of the account was in accordance with US Bank 's policies and agreements. I am asking for the bank to reach back out and reinstate the account and appeal the said account closure as I believe it's unfair and predatory. It also was not right and unprofessional that I was not informed in writing about the closure and that I had to call several times to find out. 

Account Number : XXXX Name : XXXX XXXX XXXX Business Name : XXXX XXXX XXXX Account information is protected for security reasons, please reach out to me for full account details. 



*** FOR CFPB USE THE COMPANY THAT IS IN QUESTION IS US BANK. ***

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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: Investigation took more than 30 days

Complaint:
XXXX XXXX aka XXXX, on my credit report for XXXX, they keep updating it as repossessed every month making it look like I have a new repossession. On my XXXX credit report, they indicate that I had a high balance of XXXX in 2022 which is in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
1. Got credit line XXXX. CareCredit/Synchorny Bank . I request XX/XX/2020 but unfortunately, they put a wrong address. I did not received any paper or statemen, we are under Pandemic situation and no payment should be honored in this frame of time. 
2. After a couple calls, I find my number and start to make payments XXXX, they send a statement with deferred interest charged for 18 months ... .. about {$610.00}. 
3. NOBODY never explain about DEFERRED interest will be charge in full if you do not pay in 18 months .... I only have 12 months pay the card.. 
4. They set up a lower payment ... $ XXXX every month .... This is deceitfulness?? They should be set up a equal payment the whole amount not the lower ( around $ XXXX every mouth ). 
5. I pay on time, my last balance was {$1800.00}, and for sure I agree to be charge for this amount of money, I think was around {$480.00} ... .. but not 6. I got a interest {$1300.00}, they said is 26 % .... but I don't know from what!! 
7. I contact costumer services, no explain about it, and no willing to negotiation at all. 
8. I had a previous credit line whit this company and they set up a equal payment for 1 year, no interest and I had not problem before.

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 2023-02-06
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX XXXX aka XXXX, on my credit report for Experian, they keep updating it as repossessed every month making it look like I have a new repossession. On my XXXX credit report, they indicate that I had a high balance of XXXX in 2022 which is in 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 2020-08-05
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$18000.00} XXXX XXXX {$2600.00} XXXX XXXX {$7100.00} XXXX XXXX {$1500.00} USDEPTED XXXX {$4300.00} USDEPED XXXX {$4000.00} XXXX XXXX {$290.00} XXXX XXXX {$100.00} XXXX   XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$4000.00} XXXX XXXX {$2600.00} XXXX XXXX {$1300.00} XXXX XXXX {$2600.00} XXXX XXXX {$2600.00}

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 2020-08-05
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXXXXXX {$110.00} XXXX   XXXX {$100.00} XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX   XXXX {$220.00} XXXX  XXXX {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Please help me to solve this soon, check the pdf that I have attached, there is all the explanation of the matter

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 2023-08-18
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
According to 15 USC 1681a, late payments are factors of fico which comes from a third party private company, this is not apart of you consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : 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 XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if 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 explanation
Consumer complaint received 2021-10-16
Company: Experian Information Solutions Inc.
State: GA
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:
Experian continues to report Scan, and it is old ( XX/XX/XXXX ) they remove it and put it back again. When I try to dispute it, it says the will not do a duplicate dispute. They also have loans that have closed on my account and will not remove them. It just won't stop and when you try to call its an automated machine and you never talk to anyone.

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 2022-11-02
Company: SYNCHRONY FINANCIAL
State: GA
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:
Syncrony Bank/ Sams Club DC. Card was used to help purchase and automobile. Credit limit was {$4300.00}. Card went delinquent XX/XX/XXXX. Account was charged off or closed on XX/XX/XXXX. It has been over XXXX years since this account has been charged off. Called the company on XX/XX/XXXX to attempt to reach a settlement.I was told that the debt was now managed by a law firm and provided the name and the phone number of the law firm. Is my debt with Syncrony Bank collections? or the law firm? Also when I check my credit report the account date shows current as of XX/XX/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 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am writing to delete the following information in my file. The items 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 reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible The accounts are below 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 2022-11-02
Company: DISCOVER BANK
State: CA
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, this creditor, Discover Bank, has violated my rights. Under 15 U.S.C 1681 section 602 states, I have the right to privacy. Under 15 U.S.C 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: WI
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:
I have tried disputing errors and asked for them to verify and send all of the information used to verify. They did not send the requested information. A few items were removed but most were not and the requested information was not received. Also, it took over 30 days for them to reply. They are not following the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my credit report, which contains several negative items that I would like to dispute. I have noticed that there are a number of inquiries and accounts on my credit report that I did not authorize, and I believe that some of these entries may be fraudulent. 

Firstly, there are two inquiries that I did not authorize - one from XXXX XXXX on XX/XX/XXXX and another from XXXX XXXX on XX/XX/XXXX. Since I do not remember authorizing these inquiries, I suspect that they may be fraudulent. I request that you remove these inquiries from my credit report immediately. 

Next, I would like to dispute the information on the following accounts : XXXX, account number XXXX : The information being reported on this account is incorrect, and no updates have been made to it. I request that you remove the incorrect late payments from this account as soon as possible. 

XXXX, account number XXXX : I have no record of this account belonging to me, and I believe that this is inaccurate information. Please remove this account from my credit report without delay. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, account number XXXX : I have never had any business relationship with this company, and I request that you delete this unknown account from my credit report right away. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, account number XXXX : As with the previous entry, I have no knowledge of this account and believe it to be inaccurate information. Please remove it from my credit report. 

XXXX XXXX, account number XXXX : I have no record of this account belonging to me, and I believe that this is inaccurate information. Please remove this account from my credit report without delay. 

XXXXXXXX XXXX XXXX XXXX XXXX, account number XXXX : Again, I have never had any business relationship with this company, and I believe that this account does not belong to me. Please delete this unknown account from my credit report immediately. 

Finally, I would like to dispute another unauthorized inquiry from XXXX XXXX on XX/XX/XXXX. Since I do not remember authorizing this inquiry, I suspect that it may be fraudulent. I request that you remove this inquiry from my credit report immediately. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Sincerely, 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