BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-27
Company: Bread Financial Holdings, Inc.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have two credit accounts with Comenity Bank. One is for XXXX XXXX, the other for XXXX. This bank handles the payments for these two among other stores. I scheduled payments, XXXX and XXXX insured there was sufficient funds to pay each account. Upon reviewing the checking account that is utlized to make payments, I saw Comenity Bank took the scheduled payments, and then levied an additional unauthorized payments from my checking account for both creditors. I have had to make stop payments in order for Comenity Bank to not get additional unauthorized payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have disputed this account with all # credit Bureaus more than once stating that this company is reporting inaccurate information and they still fail to investigate correctly. My response stated that the accounts have been verified as accurate which is incorrect. I also provided supporting information providing proof. XXXX closed my account on XX/XX/2018 and did not give me the right to cure my default with them even though they mailed a letter out stating that i had untilXX/XX/2018! Is this the type of practice that you guys allow but expect for customers to hold up their contract if they are not holding up to my rights?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: MA
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.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: NM
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
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: Account information incorrect

Complaint:
A few months back I called all three credit bureaus regarding inaccurate inconsistencies on my credit report. I sent letters via **Certified Mail** including my ID SSN and a utility bill proving my address and identity. Yet, still the multiple inaccurate inconsistencies still remain on my credit report. I've yet to receive any information about an investigation on my report which brings me here. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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:
I am in the US military and a XXXX XXXX Report # XXXX was pulled on XX/XX/XXXX. On this report was an account with creditor : XXXX XXXX XXXX with a balance of {$7600.00}. Open date of account was XX/XX/XXXX. I have never applied for credit of any sort with this organization. I called to have this disputed on several occasions and was told that it was because i had a loan with XXXX XXXX. 
I had a loan from XXXX XXXX for {$7800.00}. This loan was placed into a debt consolidation program with XXXX XXXX XXXX and was later settled with a collection agency : XXXX XXXX XXXX in the sum of {$4700.00}. I have attached all documents received to support my claim that this outstanding balance is null.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: GA
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 am a natural person, I am a living human being, I have rights under XXXX XXXX XXXX. 

Equifax is govern by XXXX XXXX XXXX. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to XXXX XXXX XXXX : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I obtained a loan from Capital One Auto Finance ( COAF ) for a XXXX XXXX. I received an email from COAF offering bi-weekly payments. I went to their website from the email link and configured my bi-weekly payments to begin on XXXX. First payment was due XX/XX/XXXX. I received an email from COAF on XX/XX/XXXX indicating my payment was late. I confirmed via my Capital One account that my payment was sent via ach and received on XXXX. I called COAF to inquire and was told that since my bi-weekly payment, configured on their site as prompted by their email, was only XXXX of the balance due my account was considered late. 

I used the Capital One system to configure my payments. There was no indication that by setting my first bi-weekly payment on XXXX that my account would be past due on XX/XX/XXXX. The system should have sufficient controls built in to advise the customer that the condition was not adequate, that the first bi-weekly payment needed to be due XXXX weeks earlier or that an initial full payment was required to keep the account current. 

I complained to COAF about the lack of system controls and lack of clarity in the emails and on the website related to configuring bi-weekly payments. A complaints agent indicated that she had heard this same complaint from other customers and that Capital One had done nothing to improve their processes or information to mitigate the issue. 

I believe the lack of controls and failure to act has resulted in additional interest accruals for me and potentially thousands of other COAF customers. Capital One is gaining interest income by continuing these deceptive payment plan advertising schemes and failing to remediate a known issue resulting in negative financial impact to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: U.S. BANCORP
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I got a text at XXXX on Sunday XX/XX/XXXX, as stated, " Freemsgs : US Bank Fraud : Did you attempt XXXX transaction? Reply XXXX or XXXX for a representative to reach out. Case # XXXX To Opt Out Reply Stop. '' I then got a call from US Bank ( caller ID verified ) at XXXX which lasted XXXX mins and XXXX secs. They told me they were the fraud department and seen charges on my account that looked suspicious. They said they were helping me correct it. While on the call they sent me another text at XXXX stating the following, " Your Verification Code - US Bank Cancelation with XXXX Your Reference Verification Code is : XXXX Please use this code to verify the Mobile Phone Number added to your US Bank QuickPay with XXXX profile. 
Dont share any codes during this cancellation with anyone. You can only use the code for this specific Mobile Phone Number. '' The call was disconnected shortly after that. I called US Bank ( I dialed the same number that called me the first time ), this is where they informed me I was a victim of fraud.They took {$3500.00} in total from my checking account ( XXXX transactions of {$1000.00}, and a 3rd transaction of {$1500.00} ). A representative with US Bank 's fraud department informed me that because it was through XXXX  it had to be authorized, so it is not covered/insured through US Bank XXXX These transactions were NOT authorized. We informed US Bank immediately and they refuse to help or reimburse the funds due to the fraud! I am in need of additional help with investigating these fraudulent transactions because I desperately need to get my money back. My family and I greatly appreciate any help! 

Transactions total : {$3500.00} Transaction Date : XX/XX/XXXX Bank Name : US Bank Bank Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : United States of America Bank State : XXXX XXXX XXXX Zip Code : XXXX Name on Account : XXXX XXXX ( joint account with my wife ) Account Number : XXXX Local Police report information below : XXXX XXXX, XXXX, XXXX, XXXX XXXX Police Department, report # XXXX, date reported 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 2023-03-05
Company: Experian Information Solutions Inc.
State: DE
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:
XXXX XXXX XXXX has reported information in credit report for medical debt. They report several different dates. XXXX XXXX XXXX complaint concluded that the original company responded they do not have an account with my information. The information was removed and is now reported again. Previous complaints submitted. It has been disputed and removed over XXXX times with XXXX XXXX, XXXX, and Experian. Recent dispute requested a signature to validate that this is my account. This has not yet been received. Also requested proof of account opened 2021 as that is incorrect. The company has never provided information in writing as they did not have the correct address but during a complaint process Ive of the credit bureaus provided identifying information in the dispute. This company is not abiding by fair credit rules and the credit bureaus keep allowing this information to remove then get reported again.

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 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On Friday, XX/XX/2022 I Spoke with a representative by the name of XXXX who is a representative of XXXX XXXX. XXXX refuses to remove the two delinquent payment status that is currently reporting to my consumer report. I explained to XXXX thoroughly that I encountered these two late payments during the Pandemic of " Covid 19 '' and that this status should be marked as " Current '' during this unprecedented time. XXXX states that XXXXXXXX XXXX is unaware of the " Cares Act ''.

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 2021-06-10
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:
Hi, I hope you are doing great! 

I do not recognize accounts in my credit report. Please take a look and let me know what to do with them. I file a report and I hope that this situation will be resolved shortly. These items killed my score and all my XXXX  activities just stopped. Its not fair and I asking for your help here to tell me what to do and how I can remove these fake accounts from my credit report. I am obviously victim of identity theft.

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 2018-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I sent a dispute letter to TransUnion regarding an account on my credit report from XXXX XXXX XXXX for which they claimed that I owed {$17000.00} in XX/XX/XXXX. I challenged the accuracy, compliance and reportability for each of these listings because I am unaware of owing money to this company. I also asked to validate the information with XXXX XXXX XXXX, and to provide me with any documentation associated with this account, bearing my signature. In the absence of any documentation bearing my signature, I formally requested that the information be immediately deleted from my credit file for which they maintained under my social security number. 

On XX/XX/XXXX I received a letter back from TransUnion stating that the accounts were " Updated '', but I never received any validation with any documentation associated with this account bearing my signature.

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 2019-08-07
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i have made several attempts, during my medical leave, they declined to work with me, so i can make the affordable payment with the original creditor XXXX XXXX,, credit card balance was {$500.00}, they sold the debt to LVNV Funding, now all these other fees are included in ending balance. 

I offered a settlement offer to XXXX XXXX, whom said they don't do that, LVNV add 's in their fees outside the balance that is owed to the creditor. It will not be what you actually owe

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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:
I have attached an FTC report with accounts which are fraudulent and they need to be deleted

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 2022-07-24
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, XXXX 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
Consumer complaint received 2017-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have requested the below-listed problems be fixed several times. The Credit agencies and letters and telephone calls in vein to the Company reporting the trademarks in error. Every trademark being reported has errors listed, The most serious, is XXXX, and XXXX XXXX XXXX, XXXX. They are reported as being in collections, payment status is still listed incorrectly today. The Trademarks have been paid in settlement and paid in full, XX/2015, respectively. See Attched documents : There are XXXX more Trademarks with issues listed on each Credit report. <P/>ENCL 1 : Disputed items ENCL 2 : Copy of how I want item fixed ENCL 3 : Letter, Payment etc. Bach-up documents for my claim

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 2023-11-10
Company: EdFinancial Services
State: WA
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:
Hello, I paid off my student loans in full prior to edfinancial transferring to a new website. The old website reflected that all of my payments were complete and loan balances were XXXX. Now on the new website, I'm showing a balance of {$7500.00} and they have lost all of the information on the payments I have previously made. 

On XXXX all of the loans were somehow showing that no payment was required until XXXX  but they still had the outstanding balance. I reached out to them on XXXX  to let them know the error and on XXXX  the only response I received was a message on my account telling me that payments are now due next month. Instead of communicating with me the reason for the error, they expedited the timeline in which these payments are due.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-05
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish 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 non-monetary relief
Consumer complaint received 2020-06-17
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have tried to get a response on the Chapter XXXX that is on my credit report with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXXXXXX, From : NATIONAL CREDIT SYSTEMS, 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
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: MD
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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Company response to consumer: Closed with non-monetary relief