BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to express my serious concern about the multiple violations that I have noticed on my consumer credit report, which have been caused by your agency. As per my understanding of FCRA 15 U.S. Code 1681n. I am entitled to monetary compensation for the damages caused by these violations. 

Upon reviewing my credit report, I noticed that your agency has furnished reports in connection with credit or insurance transactions that were not initlated by me. According to the FCRA, this can only be done if I have given you authorization to do so. Since I have not authorized any such transactions, it is clear that your agency is in violation of the law. 

I have already contacted the creditor who is reporting this information and waittng on their agreement to delete the information from my credit report. However, I would like to ensure that your agency also removes this inaccurate information from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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: Their investigation did not fix an error on your report

Complaint:
Someone used my identity in New York and XXXX gave them a phone and allowed them to create over a {$4000.00} bill. I have never lived in New York and when I complained the first time the credit reporting agencies allowed XXXX to report it as a closed account and not removed from my credit report. So now the reporting agencies are saying I had a New York address and that has never been true. Also I keep telling them my name is XXXX XXXX XXXX. Not XXXX XXXX. That could be my late father uncle or even brother. The only variation from XXXX XXXX XXXX that is acceptable is 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 2022-04-27
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:
Ive been a victim of identity theft there are accounts on my credit report that I did not authorize.

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 2021-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
There were 3 new inquires on my credit report on XX/XX/21, none of which I recognize or applied for. These include Capital  one, XXXX and XXXX. I called XXXX  XXXX  XXXX  and altered them about these fraudulent claims and placed a fraud alert on my account. I will also be contacting the companies individually.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Genesis FS Card Services, Inc.
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have attempted to file a dispute via XXXX XXXX  website and mobile website, and not only does the website not load but XXXX XXXX website said it was not able to process my request online, not giving me the reason why it was not able to process my request online. I was instructed that the only options available to me were to file a dispute by calling XXXX or submitting one by mail. XXXX is operating its website, with its inability to process my dispute request online and that it is consistently does not function to allow quick, easy and convenient access to my credit file, is operating in an abusive and deceptive manner. XXXX is knowingly, intentionally and deliberately not providing services and functionality to me to allow me to dispute inaccurate information on my credit report. Each time I call to speak to a live agent to assist me, there is, at minimum, five minutes of automated system prompts and up-selling of XXXX products, including its fee-based credit monitoring service and its text message-based options to communicate with XXXX. XXXX also employs online foreign, offshore and customer service representatives not based in the United States. As a result of XXXX XXXX customer service representatives, consumers are forced to speak to agents whose English is often incomprehensible, making it virtually impossible to conduct business related to my XXXX consumer credit file. When speaking to representatives, XXXX XXXX offshore, foreign customer service representatives are rude, abusive and will often disconnect the call at their whim without warning, because they are frustrated. When asking to speak to a United States-based representative, I have been instructed the representative will complete a " call back '' form and that a US-based representative will return my call within 48 hours. Once more, XXXX is using abusive and unfair practices to deny me access to my consumer credit report -- and to correct errors on it that have affected my credit score and credit worthiness. My credit dispute, that I am demanding XXXX  investigate, is from Genesis Card Services/XXXX XXXX , with account # ending in XXXX or XXXX, in the amount of {$7100.00}. This account now has a zero-dollar balance and is paid in full. I have attached copies of my payment receipts that show I now paid this account in full. XXXX must update my credit report to reflect this, and XXXX must also update my XXXX XXXX credit score to reflect the decrease in credit utilization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
I need them to stop calling me harrassing me they call me 10 to 15 times everyday including weekends at any time. Please I need this to stop unfortunately I cant make payments I am struggling to stay afloat. i was making payments but I lost my job during covid and right now is making payment to card or paying my rent and putting food on the table for my family. These calls are driving me to desesperation. Please stop!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-12
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I feel th at western union should be held accountable for the large fees they charge for money transfers in minutes, when in fact it can take 2 hours for it to complete. Money in Minutes is misleading. I h ave had  XXXX  transactions in the pa st 2 weeks that have had a 2 hour review process. My banking info and card I am using match my western union profile. The person I am sending money to is my h usband.   I contact ed Western Union about both m y transfers.      XXXX  transaction was on  XXXX / XXXX / 17  in the amount of  XXXX  in which I was charged  XXXX  for money in minutes. I contacted them to find out why my money transfer was in review, I was told he just needed to go to a person with his ID and not one of their Kiosks. However the email did not state that. At this time it was to late for me to go to  XXXX   XXXX  since the funds had already been removed from my account.      XXXX  time was today  XXXX  in which I was sending my husband  XXXX  in which I was charged  XXXX  for transfer in minutes. After initiating I got an alert to call them to expedite the process or I could wait. I called and spoke to a woman at about  XXXX   XXXX  est. She asked me questions like, why I was sending it, where, and my relation to the receiver. At the end she said I will get an email with in 5 min and  that the transfer will be ready for pickup in which this time he could go to a person or Kiosk It is  XXXX    XXXX   est time and the transfer is still in progress under review. I called and spoke to a gentleman and he told me the review t akes 2 hours an d I would have to wait.     This was a domestic transfer as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: OH
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:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX XXXX XXXX  and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: CO
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 have requested Experian to update my Credit Report to reflect the payoff of my student loans. I have been requesting this from Experian since late XXXX, XXXX and my previous student loan provider, XXXX, has assured me they have provided my payoff information, and subsequent {$0.00} account balance to Experian on XXXX separate occasions - during the course of regular reporting on XX/XX/XXXX, and XX/XX/XXXX, as well as XX/XX/XXXX, and XX/XX/XXXX, as a result of Experian investigating my dispute submission. XX/XX/XXXX was the original submission, and XX/XX/XXXX is the date I added an additional supporting document. 

I have tried to resolve this with Experian, and requested to speak with supervisors, but each time I requested a supervisor, I was placed on a lengthy hold, and hung up on without ever speaking to anyone - when it happens XXXX times in succession, it seems like it's more of a business practice than an anomaly. 

I have been working exceedingly hard to fix my credit, and have done all that is required. I'm just asking now that my score be accurately reflected, and reported. Experian continues to report an inaccurate balance, and account status for my XXXX account, and I want it to stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: Experian Information Solutions 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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the 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 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 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 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 an 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 2017-05-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account Name HSBC BANK NEVADA  N.A.  RC Account #  XXXX  I do not and never had any legal or lawful security obligation with this business. I will record a perfected security interest in this business for 3x the stated balance plus damages if they do not immediately remove any information related to my PERSON on the PERSON 's credit report with the credit bureaus. I logged in and saw this information.     I did receive a bogus demand to pay a debt from this entity in th e US  Mail. I did respond via Certified mail with my Notice and Demand To Validate Debt Claim in accordance wit h 15 USC 1692. They d id not respond.     They need to remove this items immediately or I will record a lien and file civil charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: AMERICAN EXPRESS COMPANY
State: MD
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 the fair credit reporting act this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. 15 U.S.C. 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666 ( b ) a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my several requests 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: Experian Information Solutions 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:
EXPERIAN AND XXXX REMOVED THE FOLLOWING ITEM FROM MY CREDIT REPORT IN RESPONSE TO AN FCRA VIOLATION I REPORTED. THEN, ON XX/XX/, EXPERIAN AND XXXX ADDED BACK THE ACCOUNT ONTO MY CREDIT REPORT WITHOUT NOTICE. THIS IS A SERIOUS VIOLATION OF MY RIGHTS UNDER THE FCRA. 

ABSOLUTELY, UNACCEPTABLE!

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 2023-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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 received a notice in the mail ( dated XX/XX/XXXX ) that a Bank of America Visa account I have had for many years was due for an annual payment I wasn't previously aware of. I had tendered one such payment in XXXX, but BofA had apparently doubled payment cycles for the card ; one reason I hadn't noticed the additional billing statement was that I didn't possess a physical card any longer. So after promptly calling BofA to pay the outstanding bill, I asked to speak to a customer service representative to get a replacement card. That representative told me that it wasn't possible to do so, since the account had been " closed '' as of XX/XX/XXXX. I had received no notification of such closure -- it's also exceedingly difficult to understand why BofA would send out a notice requesting payment of an annual fee on a letterhead dating one week later on an account they had already closed. When I asked for an explanation for the account 's closure, I was told that such information was " locked. '' I then asked to speak to the representative 's supervisor, who only told me that BofA reserves the right to close any account for any reason, and that he could not give me any additional information about the account 's closure. He insisted that the Bank had sent me the closure notice on XX/XX/XXXX, but could not explain why the Bank would be notifying me that the fee was due in a letter dated a week later if that was indeed the case. I no longer want the BofA 's Visa card or to support this flagrantly deceptive enterprise in any fashion, but I do want this Kafka-esque treatment of customers acting in good faith to remedy outstanding payments to be appropriately investigated and punished. The issuance of credit cards by this monopoly bank is closer to extortion than anything resembling genuine 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 monetary relief
Consumer complaint received 2023-05-04
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Dear CFPB, Last fall, I successfully applied for a XXXX XXXX credit card and purchased a pair of XXXX blue jeans. The cost of the blue jeans was {$95.00}, and I paid off the entire balance by personal check on XXXX XXXX, XXXX. However, Comenity Bank has continued to charge me $ XXXX in interest on a {$0.00} balance. 

According to the my most recent statement, I currently owe Comenity Bank {$250.00}. I have attached a number of screenshots from the Comenity Bank website as documentation as well as a screenshot of my Bank XXXX XXXX statement, revealing that Comenity Bank cashed my check for {$95.00} on XXXX XXXX, XXXX 

How is it possible that I owe Comenity Bank and XXXX {$250.00} on a {$95.00} purchase that was paid off XXXX months ago? 

My complaint is that Comenity Bank and XXXX are engaging in deceptive and predatory credit card/lending practices for the sole purpose of defrauding their customers. I refuse to pay junk fees and non-existent interest on {$0.00} to Bread XXXX, Comenity Bank, and/or J.Crew. Bread XXXX, Comenity Bank and XXXX are engaged in a scam to bilk customers out of their hard-earned money. 

Thus, any assistance the CFPB could provide would be greatly appreciated. 

Feel free to contact me directly if you have any questions. My cell # ( XXXX ) XXXX. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-13
Company: PMT Solutions, LLC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacte d PMT solutions  as I was told I had an outstanding balance with them. The lady told me that maybe my case would affe ct my credit score and I told her that I felt like I had paid this account in full. She said no sir you have n't and asked my how much I was willing to pay right then there. I then asked why I was n't notified of these accounts until now ( 6 years later ). So I asked if there was a manager or supervisor I can speak to or was it a pay or pay situation and she said yes you have to pay. So my deal is that they waited all this time and the interest that accrued is just insane PMT solutio ns original amount {$520.00} to {$820.00} now. It 's not fair that they did n't contact me and now I supposedly way more then original amount and I do n't have receipts or anything it 's been so long.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-13
Company: Stevens Business Service, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I notice d two months a go upon receiving my annual credit report that there was a debt I did not recognize. I suspect this debt to be fraud.

Company response to consumer: Closed with explanation