BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 called your department after I purchased a credit report with Identity IQ on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off on my credit report. These are disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these account listed below, so please help me remove this charge off account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX CARD XXXX, XXXX XXXX, XXXX XXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.

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 2023-09-13
Company: Experian Information Solutions Inc.
State: CA
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-11-28
Company: Experian Information Solutions Inc.
State: SC
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. 

Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : 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 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 2019-04-08
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/XXXX, I contacted all three major credit bureaus because I am a victim of Identity theft. I included 3-police reports, and ID Theft affidavit as well as information regarding the accounts. XXXX  and XXXX  updated my accounts and removed XXXX XXXX XXXX XXXX from my report. Equifax refused to do so and said the account has been investigated, dispute XXXX. On XX/XX/XXXX, I send another letter via fax requesting information for how the matter was investigated, who did they speak too per the FCRA. As of now they are in violation of the FCRA 168i and I would like to start the process of getting information for my lawsuit against the company. They responded back to me via email saying the dispute has been resolved. I have attached my other credit files showing the information has been deleted. I am requesting the name of the individuals they verified this information as well as their address and phone number so that I can follow up. XXXX XXXX XXXX for {$4700.00} is a fraudulent account and a XXXX  XXXX Representative XXXX XXXX, ID XXXX stated to me that they have corrected this information with the Credit bureaus and Equfax is refusing to update their information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: CCS Financial Services, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I canceled the insurance for XXXX and they claim I did not cancel it they are trying to charge me {$690.00} that I do not owe them because I canceled my insurance they are saying I owe over a month after I canceled it I do not know them this money please have them delete this from my credit reports I asked for proof all they can send me is that XXXX says I did not cancel I called and talked to an agent and told them to please cancel my insurance and at that time I had a XXXX balance it was right after I paid the last month

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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:
The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

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 2023-09-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2021-01-03
Company: Bread Financial Holdings, Inc.
State: NY
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:
XXXX/XXXX changed online systems which made it difficult to log in and submit payment. My card number was not known because I lost the card during a move from the Pandemic, and calling the lender was impossible since their phones were always busy. Making payments became impossible since I was missing either the card number or their online account management changed, and they wouldnt answer my phone calls throughout XXXX and XXXX. 

Even though I have plenty of resources to pay, I watched the account become delinquent because they made it impossible for me to give them information in order to pay. There were no resources when I tried to reach out. 

Consequently, the account is negative on my credit report. Determined, I spent a whole day calling the Lender dozens of times and finally got through in order to get an agent to take care of this. They removed the charges and I paid the bill ( {$30.00} or something small ) which brought the account current. They admitted fault and gladly brought the account up to speed and removed all late charges or associated problems. 

Since they let me know this wasnt my fault, I disputed this mark on my XXXX report which they removed it. XXXX and XXXX have not removed it. 

XXXX after filing a report said that they agreed with me, but the credit report looks the same, so Im confused. XXXX wont allow me to submit a report and asks me to call customer service. It seems like they are all trying to make it difficult on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
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:
Equifax enclosed are documents that XXXX is false and misleading you in a fraudulent account against me there real name is XXXX and I disputed this a few years back and { you removed it from my credit report } 15U.S.1692e this is why they refuse to disclose any documentation, not even XXXX of Texas nor the alleged hospital enclosed CFPB documents showing my case. All three have been contacted through the CFPB and not one will show documents as evidence JUST like a few years back there is no documents proof of service nothing. I know you state that it is not reporting but it shows on XXXX XXXX your site if it's removed then this is for your information of there fraud, if it's still on my report then please remove it as you did before, lack of evidence, No documentation, refusal of response to CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 Fair Credit Reporting act the list of accounts below have violated my federally protected consumer rights and privacy and confidentiality under 15 USC 1681. I have the right to privacy. 15 USC 1681 section 604 A section 2 it states a consumer reporting agency account can not furnish an account without written instructions. No consumer reporting agency may take any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more then seven years. ( XXXX XXXX ) And ( XXXXXXXX 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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Id theft victim. Someone opened 2 accounts from XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$4900.00} XXXX {$10000.00} These accounts do not belong to me. I am from Tn. These accounts were opened in Florida using a fl address

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 2022-12-18
Company: EQUIFAX, INC.
State: TN
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:
My credit report is showing inaccurate information on all 3 credit reports from XXXX, Equifax, and XXXX for the following companies listed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are late payments and transactions being listed on all three reports. 

Per 15 USC 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.

The Privacy Act of 1974 - my rights to privacy have been violated.

It is Illegal to report transaction history 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instruction of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2019-07-02
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I went in to a local Chase bank branch approx XX/XX/XXXX to open credit card accounts for my in-laws and sister-in-law as their Attorney-in-Fact. The POA documents were with me. After an extended time there with a representative, the branch manager became involved and said they will not honor POA for extending credit. I then called Chase executive offices and one of their reps said yes that is their policy. This appears to violate State of Connecticut General Statutes 1-350R/S, and the focus of abuses mentioned here : http : XXXX Under the old law, many people were frustrated that they had planned ahead only to have a bank disregard the POA for various reasons '' Your assistance is requested in bringing enforcement actions to the institution for so blatantly disregarding their legal responsibilities

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: First Data Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2019 at XXXX there was an unauthorized transaction of {$400.00} withdrawn from my account. On XX/XX/XXXX I tried multiple times to withdraw the money but was unable do to Insufficient funds. As a result not only the {$400.00} where goned but I was charged multiple times a fee for insufficient funds. On XX/XX/XXXX, I filed a complaint with the company and case ID XXXX was opened. On XX/XX/XXXX, I called customer service and was told to send an email stating what happened and that the card was with me the whole time. On XX/XX/XXXX, I called and was told that my case was closed without any explanation, I was told to write another letter stating what happened and requesting to have the case re-open. I called again on XX/XX/XXXX and was told that my case was closed. No explanation was given to me.

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 2020-12-12
Company: AES/PHEAA
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: Account status incorrect

Complaint:
I received one notice about a late payment from AES/PHEAA. My student loan had been in deferment, plus I was under the impression that government student loans were to be automatically deferment until XX/XX/2020. I checked online and AES showed a payment owed of {$50.00} was past due and there was interest and fees. I paid them {$500.00} on XX/XX/2020, well over what they were asking for. Their account statements showed they removed my deferment from XXXX (? ). I called them and was able to speak with someone on XX/XX/2020 at XXXX. The representative stated that they removed the deferment because even though this loan was service by the ( a state government agency ) that it was owned by a private lender ( a bank ) and that it does not count towards the federal CARES Act. I asked about credit reporting and COVID-19 options with this student loan and the representative explicitly told me that no negative reporting was done for this student loan and that the account was showing current and paid, with no payments being due for a few months. I was very specific with her about the credit reporting and that I didn't believe this was right with not being treated like all other government loans under the CARES Act. She assured me again that everything was showing paid and current, and there would be no negative credit reporting. Today I have viewed my credit reports because my score has dropped 70 points, and it is because AES has reported negative information to my credit for a missed/late payment. I have filed dispute with each of the credit bureaus seeking that this information be removed per what the representative told me. I believe AES is using very deceptive practices here, especially during a time where the CARES Act was specifically put in place to help those with government student loans. My other government loans have are owned by banks/serviced through other entities other than the Department of Education, but they are still GOVERNMENT LOANS. They don't just get disregarding because a lender is servicing them. I want this negative reporting showing for the month of XX/XX/2020 removed from my credit report. This is not the first time in my history with this company where they have done this. In the past, they have also " lost '' payments I've made, or incorrectly applied my funds then have tried doing the same or disqualifying me for interest rate reductions, etc. Because I want nothing else to do with this company, today I requested my loan payoff amount, which is {$1600.00}, and I paid this amount in full to AES today XXXX. I am requesting that AES/PHEAA remove their negative reported information from all three credit bureaus immediately. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation