BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-06
Company: Bread Financial Holdings, 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: Information belongs to someone else

Complaint:
I was overlooking my credit report and noticed some discrepancies on it. I noticed that someone used my information to get credit cards and receive loans in my name. I never gave anyone my information or consent to use it, This was not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
In XXXX XX/XX/XXXX, i requested my report from XXXX, XXXX  and Experian. Upon reviewing my reports, i noticed multiple errors and inaccurate information reporting on all three reports. On XX/XX/XXXX, I mailed letters to 2 of the 3 credit reporting agencies, by certified mail ; disputing erroneous items and inaccuracies due to it affecting my life financially and i requested validation of the debts with documentation to prove i am liable for these debts and i also requested that if they could not validate these debts that they delete them from my file. I am unable to receive the help i need due to the negligence of these companies. I received confirmation from both credit reporting companies that my disputes had been received. Experian confirmed receipt on XX/XX/XXXX and XXXX  confirmed receipt on XX/XX/XXXX. I received correspondences from both XXXX  and Experian before the 30 day expiration but it was not of the items i had disputed. They both provided me with a updated report with the same inaccuracies on it. XX/XX/XXXX, i sent another letter to each credit reporting agency certified, letting them know how they failed to investigate my disputed items and provide me with validation of the debt. They took no action at all on either of my disputes. Experian confirmed receipt on XX/XX/XXXX and have yet to respond as my credit report still has them erroneous items on it. And XXXX   confirmed receipt on XX/XX/XXXX and restarted the original investigation giving me another 30 days for me to wait on another investigation due to their negligence. The FCRA does not say credit reporting agencies have 60 plus days to investigate, however it does state that credit reporting agencies have 30 DAYS to investigate erroneous items disputed. IF they are unable to validate the debt during that period of time, the disputed items must be removed or i am able to take legal action and receive up to XXXX per disputed item. I retain all records, and communication with all the credit reporting agencies and am fully prepared to take legal action if this is not corrected.

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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Date, address and amount are different that my record, Im already pays some accounts and they continues on my file

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 2023-04-06
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 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 investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX  Balance : {$37000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$43000.00} AXXXX XXXXXXXX Balance : {$43000.00} XXXX XXXX Balance : {$36000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Stallings Financial Group, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been contacted on my cell phone from phone XXXX XXXX XXXX XXXX on Monday XXXX the XXXX and on Wednesday XXXX the XXXX, the person who called asked me to tell him my XXXX and my birthday. he wanted to know my home address. I told him excuse me whom I am speaking to and he claimed to be speaking regarding a medical bill to collect that for a physician office visit. That looked so odd to me since I did not receive any medical bills on my address nor phone calls regarding medical bills to be paid. I told him send me itemized bills and will try to arrange payments after that if those are correct. he tried to give me discounts up to XXXX $ on phone to collect money by any means!! .. He called me twice after that and I blocked his number. 
Yesterday I received a mailed letter from ( STALLINGS FINANCIAL GROUP INC. ) asking for {$740.00} to be paid to them in 10 days or else? and the language seems abusive and threatening. 
I contacted the hospital for confirmation of bills and to check for any pending balances. 
the online account of the company is not a real one and they do not have physical address they only hold a P.O. BOX NUMBER. 

thank you Yours XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A derogatory item has appeared on my credit report with all major bureaus. It says it is for XXXX XXXX XXXX, but is being collected by an agency in Delaware. I have received no bills or written communications about such a bill being due or owed, let alone late or turned over to collections. 

Thus, they are simply reporting this to the credit bureaus, damaging my credit scores by over 100 points for a {$610.00} bill that I have never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
I have contacted Best Buy Several most recent XX/XX/XXXX she opened the new account. Times and have attached the documents. I was a victim of fraud and this account was impacted they notified me they stopped the charges. yet never flagged my account correctly on my report. Did report it as a charge off. Then when I contacted them again and tried to resolved again they reported the charge off account as derogatory on my credit that they weren't reporting too. They have made major violations and caused me further harm. 
I have been trying to heal from the personal Identity theft that has occurred and even offered to pay them something to have them clear my credit report due to the nature and crime they refuse. On top of that in in XX/XX/XXXX I tried again this ie when they changed my last Date of Activity on my part was XX/XX/XXXX Because I recall being I was hospitalized XX/XX/XXXX from these events.

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 2020-07-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I received a phone call from JP Morgan Chase Bank regarding an Amazon credit card account. The customer service representative asked me to pay {$400.00} at this time for an account that has been delinquent since XXXX of XXXX. I asked to speak to a supervisor and he got me in contact with an account supervisor named XXXX whose ID is XXXX. I told her due to the current COVID-19 pandemic I am unable to work like many other Americans and requested another deferment on the account. According to XXXX, on XX/XX/XXXX a letter was sent to my address, which she said waived four months of payments from XX/XX/XXXX - XX/XX/XXXX. All of the late fees were removed for non-payment. According to XXXX, she is not able to offer any more deferments on the account and asked that I contact a credit counseling agency at XXXX. Without a job it is almost impossible for anyone to payoff there creditors due to the COVID-19 pandemic. I ask for assistance with this issues because my bank XXXX XXXX XXXX XXXX has provided a deferment each month since the pandemic began. JP Morgan Chase Bank refusal to provide assistance will cause my credit score to go down even further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: MO
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:
Dear Agency, I am writing to complain about the incorrect addresses listed on my credit report. According to my credit report, there are several addresses that do not belong to me and have never been associated with my name. These are the INCORRECT addresses : XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO
As you are aware, incorrect information on a credit report can negatively impact an individual 's credit score and their ability to obtain credit. In addition, it is a violation of the Fair Credit Reporting Act ( FCRA ) to report inaccurate information on a consumer 's credit report. 

I have attached a copy of my credit report for your reference, which clearly shows the incorrect addresses. I would appreciate it if you could take immediate action to rectify this situation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: YSA ARM LLC DBA Oxygen XL
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Supposedly is a " parking ticket '' from over a year ago which I called the company that manages the lot numerous times and never got ahold of anyone, I would be on the phone on hold for over an hour and when I looked into the parking management company they own the dept collection company as well and I believe i am being scammed and they wont stop harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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: Credit inquiries on your report that you don't recognize

Complaint:
From XX/XX/XXXX to XX/XX/XXXX, there has been unathorized repetitive inquiries on my report from Car and Financial Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My mother-in-law was moving to XXXX for medical treatment. My wife and I gave my credit card number to her BROTHER to have in case it was needed for incidentals ( food, medical supplies ) before my mother in law arrived. As part of coming into XXXX, due to Covid, quarantining in a hotel is required for two weeks. We were not supposed to pay for hotel reservations, but my wife 's brother gave our credit card information to HIS WIFE, who was NOT authorized to use our card. She booked 2 rooms, for a month, in a hotel in XXXX for the quarantine, using my card. I had NO interaction with the merchant/hotel whatsoever. When I sought to cancel the booking ( through my Brother, as I do  not speak XXXX XXXX, the hotel refused, citing their cancellation policy, which was never provided to me. 

When I filed the dispute to Capital One, my credit card provider, I explained to them that I did not authorize the charge, nor did I enter into any contract with the vendor/hotel. They cited that the hotel had provided them with a copy of their cancellation policy, and asked me to provide additional documentation to prove that the charges should be reversed. 

They asked me for " a refund voucher, '' proof that I tried to cancel, and a copy of the purchase agreement. I told them that I did not have any of these things, since I was not in direct contact with the merchant, nor could I have received any of them, since the merchant does not have my contact information. 

I was able to locate from my brother-in-law, who got them from his wife, some of these documents. However, after submitting them, Capital One is still saying that as I can not provide documents ( which either do not exist, or were never shared with me in the first place ), they can not make a case to Mastercard. 

This is utter nonsense, and my credit card issuer is doing nothing despite my credit card having been used by an unauthorized person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-12
Company: NAVY FEDERAL CREDIT UNION
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 a credit card with navy federal credit union with a XXXX limit ... my due date always falls on the 5 of  each month ... on XX/XX/XXXX I paid my balance off which was XXXX dollars ... how ever I paid XXXX ... I notice my available balance became available but it was still saying I owed XXXX ... next 3 days still didnt update ... I called and ask whats the problem ... .It was told to me there system was updating ... .next 2 days no update ... I called again because it was saying I was delinquent and was given a late fee ... It was told to me there system is still updating and it will be corrected ... Next thing I checked my credit and they have reported I havent paid my credit card ... also its saying I used up 100 percent of my available credit ... which isnt true ... my credit has drop 100 points ... .which my credit was at a XXXX ... Ive contacted both the bank and credit agencies and they are refusing to fix it ... They have also falsified when I made my payment on my credit card and deposit ... need help in correcting this issue this is criminal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Balance Owed : {$XXXX XXXX XXXX Balance Owed : {$XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
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:
On XX/XX/2018 Capital One has sold my account ( # XXXX ) to XXXX XXXX XXXX XXXX. But Capital One is still reporting this account on my credit file XXXX  XXXX and XXXX as a charge off. The information on this account do not match, date of last activity are inaccurate. Further more Capital One no longer owns this account so it must not be reported by them and deleted or removed from my credit file permanently. Pls investigate and send me any updated information on this complaint. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hi, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
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: Their investigation did not fix an error on your report

Complaint:
These accounts in my credit file are from unauthorized use of my credit report. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 I sent the credit bureaus dispute letters regarding inaccurate information on my credit report. As of today, None of them have responded to my disputes and it has been more than 30 days. I still have the inaccurate information on my credit reports. Please see the attached copies of documents sent to the credit bureaus including letters, identification and my identity theft report from the Federal Trade Commission. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX balance says {$8100.00}, the other says 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 a 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