BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX recently reported as of XX/XX/XXXX in experian and XXXX as late and delinquent payments when the account was closed previously I have been trying to get this account removed over 5 years these people are mos reporting info they I have since reported to the bureaus and they were supposed to close and remove account. this account was also reported XXXX as well. Also look into XXXX collections as well they were recently reported as of this month XXXX this is XXXX XXXX also reported this XXXX was under a previous creditor they sold the debt and re reported this debt which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX  XXXX {$180.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: World Acceptance Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
I have reported it and it wasnt removed off my credit report its inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
American Express XXXX sent a response regarding the initial complaint indicating that my account was late and stated such fee could not be waived as it was applied correctly, as my complaint was frivolous and they were indeed correct. When I sent the remittance coupon to the corporation it was on time and was sent days before the due date. The corporation is refusing to accept the remittance coupon because I caught onto their embezzling scheme of stating that I owed them a debt when in fact all bills are prepaid and the remittance coupon was accepted for value. They are refusing to acknowledge that all debt is prepaid and in addition, banks do not loan anything out. The very funds that I have been using has been in fact coming from my strawmans account. They are also in violation of several laws by refusing to accept and acknowledge that according to HJR192, UCC 3-603, UCC 3-104 , UCC1-308, 12 USC 411, UCC 3- 419 , 18 USC 8 states the value of what currency is and that all debt are prepaid and are a negotiable instrument. They are also within violation of 12 CFR 215.3 - Extension of credit. and according to their claims it is based upon the history of my payment history, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$1800.00} Balance updatedXXXX XXXX XXXX  Original balance {$1800.00} Account info Account numberXXXX Date openedXXXX XXXX XXXX  Account typeDebt Buyer StatusCollection account. {$1800.00} past due as of XX/XX/2023. 
Status updatedXXXX XXXX Payment summary XXXX  XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement - Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX, SC XXXX Phone number ( XXXX ) XXXX 15 us code 161 c z a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, no later than 4 business days after the date of receipt. it has been more than 30 days and you are in violation of this law because I am a victim of identity theft. Please delete these items immediately. these accounts should not be furnished on my consumer report as they are in violation under 15 us code 1681 b - the permissible purpose of consumer reports ( a ) in general subject to sub-section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written consent instruction to report anything on my consumer report which violates my right as a federally protected consumer. no consent is identity theft. As a consumer, I am demanding the deletion of the account listed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Went to get my free annual credit reports from XXXX XXXX XXXX. XXXX  and XXXX  worked fine. When I went to get the Experian one, it says, " A condition exists that prevents Experian from being able to accept your request at this time. 


To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 


XXXX XXXX XXXX Request Service XXXX. XXXX XXXX XXXX, GA XXXX '' In this day and age, it is unacceptable to request consumers to send snail mail to get a credit report that the credit bureaus are required by law to provide. Furthermore, their error message is generic, and does not explain the nature of the issue. It is poor programming, and they should be held to a higher standard.

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 2023-01-09
Company: Experian Information Solutions Inc.
State: AR
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2022-05-06
Company: Experian Information Solutions 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:
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 number XXXX Has violated my rights. 

DEPT OF ED/XXXX Account number XXXX has violated my right. 


XXXX XXXX XXXX Account number XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. states a consumer 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 an account without my written instructions. 15 U.S.C 1681 c. ( 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 any 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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have alot of error on my 3 credit report also identity theft and have been trying for a long time to remove them but the bureaus refuse to help me.things such asXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX # XXXXXXXX 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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In early XXXX, I sent a letter to XXXX  requesting that they verify the validity of XXXX  XXXX Bankruptcies appearing on my credit report. Because Trans Union informed me that XXXX  was furnisher of public records ie XXXX 's. XXXX responded back with the results of their investigation. They determined that the Banruptcies were accurate because of paperwork they printed from XXXX. I had informed them that was inaccurate. Becuase I have never filed. I have been dealing with this for years. By them not doing the proper and detailed investigation because they are the ones furnishing this unverifiable information without my consent, it is defaming my character and harming financially, because again they are refusing to conduct a proper investigation. I was told to go the courthouse by them and get it corrected. First off XXXX court does not furnish information to credit furnishers and CRA 's, Secondly since they took the liberty to report inaccurate information, I think its their job to ensure accuracy prior to sending public record information to the credit bureaus.Since they claim to be a furnisher for FCRA purposes and deal directly to Trans Union. Under law my credit report should have the most accurate information possible. I also contacted XXXX and requested them to validate any XXXX  XXXX 's that be on my credit file. I was sent a letter from them dated XX/XX/2022 indicated that their investigaton was complete and it was determined that data being reported as unveriable and has been removed from their records. And confusing is they used the same method of verification as XXXX. I am willing to take further actions if XXXX  and Trans Union continues to not take my request seriously. 

I am enclosing letters from XXXX, XXXX, and XXXX XXXX court house

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 2021-08-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Unauthorized inquiries appearing on my credit report. XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX. XXXX XXXX. 


Fruad accounts appearing on credit 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 non-monetary relief
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
I was never late paying on these accounts. These accounts are showing inaccurate information that damaging my reputation as a consumer.

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 2023-02-14
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX I was charged a late fee of XXXX I made my payment for the month of XXXX on the the XXXX. I was not aware of a end of billing cycle date I thought it would be the due date. 
View payment details. XXXX XXXX XXXX Submitted XXXX  checki {$100.00} I called in and was told the billing cycle started on the XXXX. so the payment did not post to the correct month but the operator told me her supervisor was tied up and she could take care of this for me. I then told her i made the payment for februray on that date which was the XXXX. my pay by dates were the XXXX so I had thought previous to this that was the end of the billing cycle. She said no problem I told her I also needed to make sure the payment I made at that date wewnt towards my XXXX payment to make sure it did not happen again the next month. She said it was no problem. 
View payment details. XXXX XXXX XXXX Submitted XXXX  checki {$100.00} Now this month I have another late fee I called in and told them what had happened they said no You never made a payment for XXXX so you get a late fee. I told the women on the phone I dont think you understand she was trying to argue the fact. I made another payment this one being a XXXX  payment for XXXX and a payment for XXXX. along with the late fee again. XXXX XXXX XXXX Submitted XXXX checki {$220.00} And I wrote them a message which they responded I did not make a payment in XXXX so I am being charged a late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-03
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Called Comenity Bank for XXXX XXXX on XX/XX/2022 Made 2 requests : 1. Please post missing statements of XX/XX/2022, XX/XX/2022 and XX/XX/2022, they refused. We have a paperless account and let them know how important it is that we have immediate access to our past statements. I was denied request. 
Details on explaination of refusal below. 
2. We made a promotional purchase based on a 1.99 % for 36 month offer as a XXXX XXXX. Requested that they correct and give us credit for the over charges on interest, they refused. Details on explaination of refusal below. They are charging 4.99 % which is no where on their site as a valid offering. 
This account is in XXXX 's name and I ( XXXX ) am an authorized user with credit reporting under my name on this account. I called XXXX to request that they correct the missing ( 3 ) statements as well as the correcting to the offered 1.99 % interest rate from 4.99 % that we did not sign up for. Their response was that they could not speak to me regarding account information ; I did not request information. I was requesting them to make corrections that are required by law. I requested that they transfer me to a Manager who also refused to correct both issues ; as an authorized user who receives credit reporting under my SS # by comenity I have rights to requests mistakes be corrected. I did not ask for increased credit limit or changes to account, I requested that mistakes be corrected. They refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-22
Company: B&F Finance Corp.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
ON XXXX XXXX I RECIEVED A ALERT FROM XXXX THAT A LOAN COMPANY CALLED XXXX XXXX XXXX XXXXXXXX DONE A HARD INQUIRY ON MY CREDIT REPORT WITHOUT MY PERMISSION .I HAVE NOT ASK FOR ANY NEW CREDIT OR MONEY FROM THIS COMPANY .THIS CAUSED MY XXXX SCORE TO GO DOWN JUST AS I WAS TRYING TO REFINANCE MY CAR LOAN AND OTHER CREDIT .ISSUES.I HAVE SENT TWO DIFFERENT CEASE AND DESIST CERTIFIED LETTERS TO THIS COMPANY BUT AS OF XX/XX/23 I AM STILL RECIEVIND HARRASSING CALLS FROM XXXX XXXX XXXX XXXX XXXX IS MY UNDERSTANDING THAT NO ONE CAN CHECK YOUR CREDIT UNLESS YOU GIVE THEM PERMISSION WHICH I DID NOT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: SANTANDER HOLDINGS USA, 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 


15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER A OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Mercedes Benz Financial Services
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
I leased a car from Mercedes Benz Financial and at the end of the lease, extended that lease month-to-month while a new car was produced. The dealership and MB financial shared that the new car would be available by XXXX or at latest XXXX. Both discouraged me from purchasing the car coming off lease and encouraged me to continue the old lease ( same monthly payment ) as it would be just a few months. Now that new car is significantly delayed ( potentially until next fall ). MB Financial is now saying the only accommodation I can have is to return the old car or continue paying the current monthly payment. I believe these are deceptive marketing and financial practices. A simple calculation of the cost of the monthly payment implies that many thousands of dollars have been extracted from me unfairly. I have been unable to reach anyone who can offer any credible solution. I believe these are unfair and deceptive marketing practices and MB Financial is being unfairly enriched through this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Back in XXXX & XXXX of XXXX, XXXX XXXX XXXX stated they did not receive a payment from me, with the two credit cards I had with the company and that information is inaccurate, payment has always be made to the company. Late payment ( s ) was reported to the credit bureaus, XXXX shows account was paid as agreed, no negative information was placed on the two accounts that I had with XXXX XXXX, under my XXXX credit report so I am requesting this negative information be removed from XXXX and TransUnion as well due to inaccurate information being placed on my credit reports. Late payments being reported to XXXX, but not with TransUnion and 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 2022-11-03
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX Account # 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 an account without my written instructions

Company response to consumer: Closed with explanation