BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
For approximately two years my credit score has been tampered with false score reported by the three bureaus. Score drops as high as 18 points were attributed to auto loan paid on time. I have not been late with any car note payments in 17months. There are two fraudulent claims on my credit, which I have disputed several times individually with the bureaus. In addition I've reached out to the company who placed the claim on my credit, they refused to discuss the details of the charges, they refused to provide a solution. Nothing ever came of the disputes and the same two fraudulent claims were placed on my credit every few months and listed as new debt, causing my score to plummet even more. my current score is not reflective of my credit history. Speaking with the bureaus have yielded no solution and my credit score remains under attack. on one occasion a incorrect account was placed on my credit causing it to decrease by 59 points but when it was resolved my score remained effected negatively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 2022-11-08
Company: EQUIFAX, INC.
State: NJ
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:
Good Afternoon, Below are disputed claims that are still showing on my report. I have no knowledge of these accounts. 

XXXX XXXX {$1600.00} opened XX/XX/XXXX XXXX -- {$4900.00} opened XX/XX/XXXX XXXX- {$9700.00} opened XX/XX/XXXX XXXX XXXX - {$6600.00} opened XX/XX/XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX us dept of ed {$9500.00} XX/XX/XXXX XXXX XXXX XXXX- XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: EQUIFAX, INC.
State: MS
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:
In XXXX, I filed a dispute through the CFPB as a collection with XXXX XXXX XXXX  for {$220.00} showed up on my report. It came out that the account is my brother 's, not mine. 

XXXX XXXX XXXX never sent me any information or verification on the debt, presumably because it is an account under my brother 's name, not mine, and they put it on my reports in error. The debt ended up being removed from my XXXX and Equifax reports, but now it has been reinserted into my Equifax report without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: Cadence Bank
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I think it is unfair that banks can force you to forfeit your interest when you are closing your account. BancorpSouth charges a {$6.00} fee to send you a check to close your account. Therefore, I brought my balance down to {$0.00} myself on XXXX, then closed the account. The interest it earned was forfeited to BancorpSouth on XX/XX/16 through a DDA charge because the amount was less than {$6.00}. They claimed they could not electronically transfer the interest to my funding account. I think that is unfair that you either pay a fee to them to close the account or forfeit your interest earned because it is less than {$6.00}. An electronic transfer costs the bank next to nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-21
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 15 USC 1681.

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 2023-04-24
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: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXX XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX : {$100.00} ; XXXX XXXX  XX/XX/2022 ; 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 2023-02-20
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:
I checked my credit report and was instantly stressed and depressed because I had inaccurate information on my report. My reputation with the banking system has been destroyed simply because these companies are reporting inaccurate information. I don't have contracts with these companies and there are unauthorized inquiries on my account as well. Someone used my personal information without my consent! I've reached out to the credit bureaus over XXXX days ago and they still haven't responded. I know they have to respond and they need to be help accountable and remove all inaccuracies immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EdFinancial Services
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I got sick in XX/XX/XXXX, I wasn't able to pay on my student loans in XXXX of XXXX as a result of my illness. Because of my not being able to pay because of my illness I received late payments of 90 days. I disputed the information on my report with them and they are asking me tp provide proof of my illness and they will remove the negative marks from my report. I don't feel that I should have to send them my medical information for this to be removed. My medical history is protected by HIPPA laws. I would like for the information to be removed. Can your agency have this information removed from my credit report. ED Financial is the reporting agency. In summation when I read the terms of the credit report it states that a negative remark may stay on your credit file for up to 7 years. It doesn't definitively say the negative remark will stay for 7 years it clearly says for up to 7 years. So with that being said it has already been 4+ years on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-03-28
Company: Bread Financial Holdings, Inc.
State: NC
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:
In XXXX, my ex-husband and I applied for a XXXX XXXX credit card account, which had a {XXXX} credit limit. On XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX granted our divorce. However, we did not include the XXXX XXXX account in our divorce due to an oversight, therefore, the account was never closed at the time of divorce. In XX/XX/XXXX, I tried logging in to make a payment on the XXXX XXXX  account as I normally would do. On this particular date, I was unable to log into my account. The error stated that the account was locked due to the account being closed. I immediately called XXXX XXXX ( Comenity Bank ) to inquire about why the account was closed. They informed me that the account had been included in my ex-husband 's XXXX  XXXX bankruptcy case, therefore, the account was written off and closed. I asked if there was a way that I'd be able to keep the account open and continue making the payments, so it wouldn't affect my credit and was told that there was nothing I could do to reopen the account but that I could call back to make sure it wasn't reported negatively on my credit report. In XX/XX/XXXX, I called XXXX XXXX  after noticing that my credit score had been impacted due to them reporting that the account was closed because of a bankruptcy filing. They agreed to change the reporting to simply show the account as closed. Which was reflected as such until recently. On or about XX/XX/XXXX, I noticed that my XXXXredit score dropped again due to a remark being added to the Comenity Bank/XXXX XXXX  account again. Shortly thereafter, I received a letter from Key Jewelers dated XX/XX/XXXX stating that they had received my letter dated XX/XX/XXXX, and that they had updated the reporting to the credit agencies. However, I never sent them a letter requesting such change, and they had already agreed to have it reported simply as closed due to my ex-husband having filed the bankruptcy not myself. Currently, the status of the account states that the " credit grantor can not locate consumer '' as of XX/XX/XXXX. However, I called them on XX/XX/XXXX and the representative, XXXX, stated that this was likely an incorrect reporting and that I should report it to the credit agencies as well as write them a letter. This account continues to impact credit decisions, when it shouldn't. I was not involved in including this in my ex-husband 's bankruptcy and have explained to XXXX XXXX and Comenity Bank that I'm more than happy to continue making payments on this in order to not have it continue affecting my credit but they've agreed to make the change so it doesn't negatively impact my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15
Company: First Technology Federal Credit Union
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have contacted this company for the past year starting last XX/XX/2018. I have requested that they First Tech Federal Credit Union send me my monthly statement in the mail. I have visited their company office located at the location below to request my statements be sent in the mail to my home address below. The statements have never showed up and I am concerned with this company reversing my payment and misapplying it to try and mess up my credit. 

First Tech Federal Credit Union XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Co XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Card number XXXX American Express stole {$91.00} from my credit card. 

Amex has charged my card by {$91.00}. It shows in my transaction history as Fees and Adjustments. XXXX XXXX XXXX XXXX. 

I spoke to two Amex representatives who said they don't know what the charge is and also they cant see the charge in their system. 

I spoke to a customer service manager at Amex who said that he can see the charge but he has no clue why Amex charged my card. He also said that the system doesnt give him any description for the charge. 

The customer service manager put the call on hold and spoke with the fraud department of Amex and the fraud department told the manager that they have no idea why this charge was placed on my card. Its quite obvious that the fraud department of Amex would not have any clue especially when Amex themselves have stolen the money from the credit card. 

I asked the manager to dispute the charge to which the manager said that the system is not letting him dispute the charge. 

This is STEALING.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: NC
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:
In XXXX, my ex-husband and I applied for a XXXX XXXX credit card account, which had a {XXXX} credit limit. On XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX granted our divorce. However, we did not include the XXXX XXXX account in our divorce due to an oversight, therefore, the account was never closed at the time of divorce. In XX/XX/XXXX, I tried logging in to make a payment on the XXXX XXXX account as I normally would do. On this particular date, I was unable to log into my account. The error stated that the account was locked due to the account being closed. I immediately called XXXX XXXX XXXX XXXX XXXX  ) to inquire about why the account was closed. They informed me that the account had been included in my ex-husband 's XXXX  XXXX bankruptcy case, therefore, the account was written off and closed. I asked if there was a way that I'd be able to keep the account open and continue making the payments, so it wouldn't affect my credit and was told that there was nothing I could do to reopen the account but that I could call back to make sure it wasn't reported negatively on my credit report. In XX/XX/XXXX, I called XXXX XXXX after noticing that my credit score had been impacted due to them reporting that the account was closed because of a bankruptcy filing. They agreed to change the reporting to simply show the account as closed. Which was reflected as such until recently. On or about XX/XX/XXXX, I noticed that my credit score dropped again due to a remark being added to the XXXX XXXX XXXX account again. Shortly thereafter, I received a letter from XXXX XXXX dated XX/XX/XXXX stating that they had received my letter dated XX/XX/XXXX, and that they had updated the reporting to the credit agencies. However, I never sent them a letter requesting such change, and they had already agreed to have it reported simply as closed due to my ex-husband having filed the bankruptcy not myself. Currently, the status of the account states that the " credit grantor can not locate consumer '' as of XX/XX/XXXX. However, I called them on XX/XX/XXXX and the representative, XXXX, stated that this was likely an incorrect reporting and that I should report it to the credit agencies as well as write them a letter. This account continues to impact credit decisions, when it shouldn't. I was not involved in including this in my ex-husband 's bankruptcy and have explained to XXXX XXXX and XXXX XXXX that I'm more than happy to continue making payments on this in order to not have it continue affecting my credit but they've agreed to make the change so it doesn't negatively impact my credit.

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 2022-03-28
Company: EQUIFAX, INC.
State: CA
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 have previously contacted XXXX about an item on my credit report that had stemmed from identity theft. I have not been notified about any results and the item remains on my credit report. According to 15 U.S. Code 1681c-2 ( a ) 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 an alleged identity theft, not later than 4 business days after the date of receipt. Please refer to the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I purchased a cashier check in the amount of {$12000.00}. Immediately after receiving the check, I left the bank enroute to XXXX. I placed the, check, wrap in plain white paper in an unaddressed envelope, given to the XXXX. The XXXX, according to their standard, placed the unaddressed envelope in their overnight mailing envelope. The mail to address, after being confirmed by me as being correct. I was given the shipment receipt, showing that a signature from the recipient was also required. As of this date ( XX/XX/2018 ), the shipment had not been delivered. I went to the Bank of America office where the check was purchased, starting on the XX/XX/2018.I 've also made several phone calls requesting. stop payment on the cashier check. The response I always received. was that no stop payment until after 45 days after check was created.I felt that was not fair. If the check was cashed by the wrong party, the loss would not be the banks, but mine. The cashier check in question is still floating out there. I've also contacted the XXXX several times, including today ( XX/XX/2018 ). Their latest response : Tracking package and investigation. I have copy of check and XXXX mailing receipt

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