BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-29
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 am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX. XXXX, XXXX ( Original Creditor : XXXXXXXX ) XXXX Balance : {$570.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX  XXXX XX/XX/2022 ; XXXX  XXXX XX/XX/2022.

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 2023-07-29
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 alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The following items should be deleted as they are fraud in my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX  XXXX Balance : {$680.00} ; XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$6900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; EXPERIAN XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , AR XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , AR XXXX ; XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. XXXX ) XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$6900.00} ; XXXX XXXX XXXX XXXX XXXX , AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX  XXXX Balance : {$680.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$6900.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX 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 2023-05-03
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:
This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TXXXXX XX/XX/XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX Balance : {$80.00} XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance XXXX {$80.00} XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a complaint regarding inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$640.00}.

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 2023-05-03
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:
XXXX XXXX XXXX XXXX 15 us 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, debt collector may not communicate with a consumer in connection with the collection of anydebt- 15 us 1692b ( 4 ) not communicate by post card ; 15 us 1692b ( 2 ) not state that such consumer owes anydebt ; 15 us 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of adebt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Southern Credit Recovery, Inc.
State: LA
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:
I had a medical debt in collections from Southern Credit Recovery ( XXXX ). The original creditor is XXXX XXXX XXXX. This debt was paid off and is completely shown as paid/closed on my credit report from XXXX. As of XX/XX/XXXX all paid medical debt should be removed from consumer credit files. The collection account that was paid has been removed from my XXXX and XXXX, but not XXXX. I submitted a dispute with XXXX which was resolved without removing the collection from my account. I then called XXXX and was told that they can not remove this despite guidelines from all three CEOs of XXXX and numerous statements from the white house about this new change going into effect. See statement below : Effective XX/XX/XXXX, all medical collection debt that has been paid by the consumer in full will no longer be included on U.S. consumer credit reports. In addition, the time period before unpaid medical collection debt will appear on a consumer 's credit report is being increased from XXXX months to XXXX year, giving consumers more time to address their debt before it is reported on their credit file. 

These changes precede an additional measure set to occur in the first half of XXXX, namely the removal of medical collection debt with an initial reported balance of less than {$500.00} from credit reports. 

This is adversely affecting me due to having a significantly lower credit score of XXXX on my XXXX account, versus my score of XXXX and XXXX from XXXX and XXXX. This is affecting my ability to borrow from lenders or get approved for apartments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-07
Company: EQUIFAX, 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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, ATTYGENERL Account numberXXXX XXXX XXXX Account number:XXXX XXXX XXXX XXXX Account number:XXXX XXXX Account numberXXXX XXXX Account number:XXXX, XXXX Account numberXXXX  has violated my rights including these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 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 2023-08-26
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit 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:
I applied for the " VISA Travel Advantage '' credit card issued by Comenity Capital Bank on XX/XX/23 because they had great benefits that I would be using, especially the " 3 % '' cash back award for " Travel ''. My family was going to incur a substantial travel trip of over {$11000.00} on XX/XX/23, so the award would be approximately {$340.00} based on the full charge. I made other charges and got the appropriate cash back credits for them, but never got the one for the above trip. 
I have called many times and every time they either said the system was down, or that it takes 6-8 days from the charge, or to wait one more billing cycle. I then started documenting this in numerous emails to them and again asking about my cash back award for this one charge. I received a bunch of computer bot generated responses again with the 6-8 days ( it is now 9 weeks ) or the system is down, etc.

To this date I have not received the {$340.00} cash back award and after seeing there were over 8000 negative reviews in the XXXX website I am very concerned and am filing this complaint in that regard. That is a lot of money to my family and I believe clear fraudulent activity is going on and that they plan on never awarding this money per their credit card agreement with the consumer ( me ). Please assist me with this issue. 
Thank you very much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-03
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The PORTFOLIO must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. Below is the account that need to be removed : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lakeview Loancare Servicing will not allow me to access my online account. they give me zero options for explaining the problem and both website and phone trees send me into continuous loops with no end point. I NEED financial data from my account. They insist i do so online but they have a broken authentication system and have in effect BLOCKED me from accessing my own data.

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 2023-01-06
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Got an email from XXXX XXXX saying a card had been added to my credit report. 
It is from Comenity Bank under XXXX Account # XXXX It was opened in XXXX of XXXX and charged XXXX to the card. 
I did not apply for the card nor have I shopped at XXXX XXXX 
I have disputed this with XXXX along with XXXX and XXXX 
XXXX advised me to go to ftc.gov and that lead me to you. 

I appreciate anything you can do to help me with this. 
It has dropped my credit by 160 points

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
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:
Ive already disputed this account and the company has failed to respond. I havent heard anything back on why this is still reporting on my credit profile. This account is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting 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 several inquires on my credit report from being a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a Brooks Brothers XXXX account. [ Brooks Brothers/CBNA, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX ] They have refused to close my account, despite multiple, repeated requests. 

On XX/XX/2022, they sent me an email asking for feedback about my recent online experience with them -- even though I had not recently accessed the account in any way. I called the company to inquire whether my account was compromised in any way, but they were very dismissive and suggested there was no need to be concerned. I requested to cancel my account, because I had doubts about their cyber security policies and capabilities. The representative on the phone told me she would cancel my account. 

A few days later ( XX/XX/XXXX ), I got a second email asking for feedback. I also got a separate email saying " Your replacement card is on its way '' or words to that effect, even though I had never requested a replacement card -- rather I had requested to close the account. 

I called their cardholder service number again, and again was told that they would close the account. 

A week or so later, they sent me a new card. Again, to reiterate, I never requested a replacement card -- rather I had twice requested to close the account. 

Today, ( XX/XX/2022 ), they sent me a marketing email saying I have {$8000.00} of available credit. 

I shredded the new card they sent me, but they should be able to look up my account from my email address -- XXXX. 

The result is, I have an open line of credit against my wishes, despite repeated requests to close the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: Netspend Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have XXXX money all access debit card it get social security XXXX and my payment is direct deposit payments to this account on XX/XX/2022 I went to atm to withdraw {$200.00} dollars and the atm machine gave me an error message I ask the store owner do the atm have money he said yes so I tried to withdraw the same amount again then it successfully dispense money but my card was debited twice for the transactions but I only got it once now they havent been doing anything not even offer provisional credit when this is provided in the company advertising

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 2023-04-06
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX, and # XXXX has violated my rights. These accounts are not reporting Date Opening, Balance, and Last Reported properly. They are all wrong. The late payments are not accurate.

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 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 2019-11-24
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX S.S XXXX DOB XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have a unverified unknown fraudulent account XXXX-XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX I am not sure who took out these account for business or credit but they are not mine please delete. 
I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE!

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 2023-07-28
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: Problem with personal statement of dispute

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Sequium Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I cancelled my internet through XXXX account in XX/XX/2023 when I moved from the residence. XXXX continue to charge my credit card after repeated calls letting them know that I had moved and cancelled the account. I received a collection notice from Sequium Asset Solutions to collect {$380.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Today, I received a letter telling me to destroy my card and I will no longer be able to use my card. The letter states that I misrepresented a dispute which I did not because all of my disputes were investigated and resolved by the company. I have letters indicating that my disputes were resolved so I do not know what disputes Citi Bank is speaking of. There are two disputes pending but the investigation is not over and I have not been given the opportunity to provide additional information. My account has been restricted and I would like my account to be re-instated. Citi Bank needs to apologize and rectify the account restriction because there has NOT BEEN ANY INTENTIONAL MISREPRESENTATION. Perhaps there is a miscommunication issue but regardless Cit Bank is negligent for not requesting additional information. Consumers need to be aware that credit card companies have an obligation to investigate disputes and can not simply close account because the company does not want to deal with the problem. 

Called customer service and the people on the phone said they were ordered to not disclose any information to me. This is awful customer service.

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