BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
Company: Bread Financial Holdings, Inc.
State: CA
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:
In XXXX, I received a bill for a XXXX card that I did not open. I immediately called and Comenity Bank opened up an " investigation ''. That investigation took 3 months to complete, they did not call to notify me of a resolution and then they start calling over the weekend to collect payments. I call them today to figure out what is going on because the fraud dept is not open on weekends. The lady says a letter was sent, NOPE. She then says they have been sending bills and that I opened the fraud investigation in XXXX - NOPE! I opened the case on XX/XX/XXXX. I ask if they have a copy of my signature on the application, she states they do but can not share it unless I send a letter. Hmmm.. I wonder why they did not ask me for my signature so they could compare. I was definitely not in XXXX opening a XXXX account on XXXX XXXX. 

On XX/XX/XXXX, I went grocery shopping at XXXX in XXXX, CA. I have proof of this on my debit card transactions. After that, I was at home creating a video for my friends ' birthday. At XXXX I posted on her FB page from my couch .... I specifically remember creating the video and posting it. Time stamp is on her FB page. 

XXXX is 60 miles one way from XXXX. The nearest XXXX to XXXX is XXXX ( XXXX ) or XXXX, which is where my parents live so it would make much more sense to go there. No other purchases in XXXX, no lunches, no gas, no NOTHING because I was not there. 

It's absurd that they did not include me or ask me one single question during this so called " investigation '' and now I'm stuck with a {$1000.00} bill from one shopping excursion in XXXX... yeah, that doesn't seem odd at all. {$1000.00} in cosmetics in ONE single day... I'm lucky if I put lotion most days. 

So today, I paid the minimum due because I'm extremely concerned about keeping my great credit score. But I will not rest until I get this money back. Seems like an inside job to me... I guess XXXX just allows people to walk in and open fraudulent accounts without any proof of who they actually are. I notified the person I paid with this was only for my credit protection and not because I am accepting any liability here. I also messaged this to Comenity and they have acknowledged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
A bankruptcy is inaccurately reporting on my credit report. It was removed from XXXX on XX/XX/2019. I reached out to Transunion and XXXX to remove the information as it is reporting inaccurately also. According to them it was verified through XXXX XXXX and Bankruptcy court. Upon receiving documentation from the XXXX   Bankruptcy court that is inaccurate and they do not verify that information.

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 2018-04-22
Company: ID Analytics, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
While shopping for a car, I was told my credit scores were too low? I know my scores from XXXX, XXXX XXXX and XXXX. I was told there is a new credit reporting agency called XXXX XXXX??? Who is XXXX XXXX? NEVER HEARD OF THEM. How do they have my information without my consent and how can companies all of a sudden become credit reporting agencies reporting inaccurate credit information? Is this an attempt to report negative information in order to allow lenders to charge more interest? 
WHO IS 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 2023-10-25
Company: Experian Information Solutions Inc.
State: GA
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:
According to the Fair Credit Reporting Act ( FCRA ), the accounts mentioned below have violated my federally protected rights regarding privacy and confidentiality, as detailed in 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All the accounts listed above have infringed upon my rights. Section 602 A of 15 U.S.C 1681 confirms my right to privacy. 

Additionally, as per Section 604 A, Section 2 of 15 U.S.C 1681, a consumer reporting agency is prohibited from disclosing any account information without my prior written consent.

Section 1681c ( a ) ( 5 ) of 15 U.S.C stipulates that no consumer reporting agency can include certain adverse information in a consumer report, except for convictions of crimes that occurred more than seven years prior to the report.

Lastly, under Section 1681s-2 ( A ) ( 1 ) of 15 U.S.C, it is illegal for any entity to provide inaccurate information about a consumer to a consumer reporting agency if they have knowledge or reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company sent a summons to my house. On the court date I had XXXX so of course I did not show up. Never heard from company until they garnished my granddaughters savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-22
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX placed a collection on my report by XXXX XXXX   XXXX and experian both deleted this on XX/XX/2017. XXXX came back and had XXXX XXXX to put the same thing and same amount on my credit report and as this time I have again asked to see and or know the method of verification and the description of the procedures used to determine the accuracy and completeness off the information was requested and they NEVER provided me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. They also did not inform me in writing that the deleted item was going back on my credit with in five days of them putting it on as well.

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 2018-10-17
Company: Experian Information Solutions 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:
Experian systemically refuse to investigate inaccurate information being placed on my credit file in error. When I attempt to dispute inaccurate information on my credit file I get the following statement " You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you canupload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us atXXXXor contact the data furnisher of this information regarding your dispute. '' This is Experian way of  discouraging millions of Americans such as myself from disputing inaccurate information in their credit file. Furthermore Experian representatives have refuse to produce and provide me with any evidence they contacted company and received any documents such as signed contracts etc that account in dispute actually belong to me. Only thing representative states is company was able to verify my name and social security number and or address. This is not valid or proper investigation. Experian lack of investigation continues to effect me personally and damage my credit report month after month. I demand Experian to reopen and conduct proper investigation producing evidence that account actually belong to me and that all information being reported is factual including balances and payment history

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 2023-01-25
Company: TRANSWORLD SYSTEMS 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 received a communication from TSI on XX/XX/2023 but have never corresponded with or done business with this company. Further, to the best of my knowledge, I do not owe {$500.00} to any creditor as all of my debts to my creditors are in good order.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson Capital System {$850.00} opened XX/XX/2021. 

This account was never opened or authorized by me. This account is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
BMO Harris Bank issues XXXX XXXX cards through credit source XXXX XXXX, I have an account but they will not give me access to my information regarding my application or account.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX In accordance with the Fair Credit Reporting Act XXXX  with Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15U.S.C 1681section 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 2023-05-22
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : ( Original Creditor : XXXX IN COM ) ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. 
XXXX XXXX ACCOUNT NUMBER XXXX XXXX BALANCE {$250.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. 
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. 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 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 2018-12-09
Company: Mr. Cooper Group Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a mortgage with Mr. Cooper, acct. # XXXX. I had auto payments set up through XXXX XXXX for $ XXXX/mo. I received a statement last month showing that I was short {$240.00} with no explanation and my {$3500.00} was unapplied. I called a few days ago to inquire why the monthly payment was increased and was told that the loan had just adjusted to 5.25 %. I had never received notice of the increase and the person I talked to said it was sent to an address I had not used for 4 years although I have been getting monthly statements to my current address for almost a year. She emailed the rate/payment change notice and I have paid the new payment for XXXX as well as the XXXX shortfall. I found out during a loan application that Mr. Cooper had already reported a delinquency to the credit bureaus several weeks ago which caused me to get turned down by a lender who had approved a loan 1 % lower prior to this report and I wound up having to go with another lender at a higher rate. 
My complaint is that I had no knowledge of the rate increase since notice was mailed only to an old address ( presumably returned to the sender ). I did not receive any notification by phone or mail but instead reported to the credit bureau which has cost me about {$7000.00} a year on the new loan. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: EQUIFAX, INC.
State: NY
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 believe that an old account I had with XXXX XXXX  and XXXX was charged off on an expedited level. The FDIC standard is of course 120 days, unless the account is sold at full value. Accordingly, the XXXX account was sold off to a debt buying agency at full value. Accordingly, XXXX XXXX - XXXX has reported the account as a permanent charge off ststus, which does not apply to debt purchases to a third-party, See Henson v. Santander Consumer Financial USA , Inc. ( ATTACHED ). I believe that this account should read as a continued balance with the payment history removal, along with the charge off standard removed. This in turn will fulfill the subscriber agreement XXXX XXXX has with each credit reporting agency respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
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 fraud alerts or security freezes

Complaint:
I WANT ALL 4 CREDIT BUREAUS TO LISTEN TO ME REGARDING ALL SECURITY ALERTS AND CONSUMER 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 2023-06-16
Company: Self Financial 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:
The self credit card are emailing to make a payment when they had closed the account and sent a check back to me, They email me to pay a balance of XXXX. XXXX closed the account and i ask to opt-out and now its effecting my credit. the limited was a XXXX dollars charging late fee 's which are transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am very upset with Barclays Bank Delaware 's actions. They have a mess in their reporting. They don't even know what is happening in the account, but I will explain what is happening : Barclays is reporting discrepancies across bureaus, they have failed to investigate my case or contact me to clarify my doubts after I called and emailed many times to their customer service department. 

This is how they have been changing their reporting : XXXX  : XX/XX/XXXX report : Late payment reported in XX/XX/XXXX. 
XX/XX/XXXX report : Late payment reported in XX/XX/XXXX Now : Corrected, which is what I am asking for. 

XXXX  : XX/XX/XXXX report : Late payment reported in XX/XX/XXXX XX/XX/XXXX report : Late payments reported in XXXX, XX/XX/XXXX Now : Late payment reported in XX/XX/XXXX The account is the following : Barcalys credit card : XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, limit {$17000.00}. 

I have been through a really hard situation. It has affected all areas of my life ( emotional, familiar, financial life ruined, etc ). My credit sore has dropped due to all the crazy changes that Barclays has been doing on this account. All I am asking is to get the late payment that is reported in XX/XX/XXXX in XXXX to be corrected, I demand no late payments to be reported in this account or to get the entire account removed from all three credit bureaus. I already have sent letters to Barclays and they didn't even mark the account as disputed.

Please send the attach proof to Barclays. 

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 2023-10-25
Company: Experian Information Solutions Inc.
State: IN
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 recently reviewed my credit and have found that their our many errors and accounts that do not belong to me : I do know that my ex wife had my personal information, however Im unclear as to who actually used my information for these accounts that arent mine. I have went to the police and filed a report and have contacted each bureau but havent gotten a response from the appropriate Dept as of yet :

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 2023-05-22
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
The company, Midland Credit Management has incorrectly reported the original balance on their tradelines on my credit report to each credit agency, XXXX, XXXX, and XXXX. This has occurred the entire time they've had a tradeline on my credit report. There are two tradelines. I've brought this to their attention and they refuse to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30
Company: BSI Financial 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: Account status incorrect

Complaint:
BSI Financial has reported our credit late for 120 days. This is incorrect for the following reasons : 1. We were under COVID Forbearance for 3 months and BSI wrote us a letter stating NO negative credit reporting was to be made XXXX, XXXX, and XX/XX/2020. Instead, they DID report us late during forbearance and for XXXX and XX/XX/2020, which has denied us the ability to buy another home. 

2. We sold our house in XX/XX/2020 and made FULL PAYOFF to BSI on XX/XX/2020. BSI reported us late in XXXX AND XX/XX/2020 which is inaccurate. We informed BSI in XXXX the house had been sold and they still reported us late. We have not been able to buy a house because of the BSI mistake and BSI is completely unresponsive to our multiple requests for correction. 

Our credit was reported 120 days late and based on the aforementioned information this was incorrect. We have tried several times to correct this and BSI customer service employees continue to send several requests to their CREDIT DEPARTMENT which never corrects their mistake. 

BSI should honor their promise to us and rectify this issue so we can move forward and buy another home. This mistake has had a profoundly negative impact on our lives.

Company response to consumer: Closed with explanation