BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-15
Company: Bread Financial Holdings, 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:
XXXX XXXX/XXXX XXXX XXXX XXXX  continue to report late payments on the account, from XX/XX/XXXX until XX/XX/XXXX OF THIS YEAR. The account was paid IN FULL in XXXX, and they refuse to provide me with the audio recording where I was told ON RECORD that paying the account in full would remove all negative reporting on my account. I received a letter stating that " isn't their policy '', which is absolutely ridiculous because that's what I was told. Your word is a contract, and you don't want to provide me a copy of my own recording? Furthermore, I cleared this matter before I became a police officer, which was in XXXX. They literally report this late account each month, and it is impacting my ability to acquire loans to assist my family with medical and legal matters. I hope CFPB publishes this account, so they know this company continuously reports late payments month after month, year after year the company has closed. I will not give up until this is corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing this complaint against TransUnion for allowing fraudulent inquiries on my credit report. The dispute letter including my Identity Theft Report was mailed out and delivered to them on XX/XX/2023. My identity Theft report number is XXXX which I have included in the attachments below. As I checked my recent credit report, the unauthorized hard inquiries are still being reported. They were supposed to protect my information, but how come to these unauthorized hard inquiries are in my credit report?

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 2022-07-05
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In may I called American Express to inquire about what offer I would receive if I were to upgrade my American Express delta XXXX card to the reserve card. The person I spoke to on the recorded conversation struggled with explaining the upgrade process and explaining any terms and conditions, but from what I understood, if I upgraded I would receive a promotional offer of XXXX miles so I said yes to upgrading my current account. A few days later I receive a new credit card on a completely new account. I call back to find out what happened and apparently the representative have instead of upgrading my current account, opened w completely new account without my knowledge. Any explanation he had given on the phone was not something an average person would comprehend and I was shocked to find a new account opened in my name without my permission, I now had XXXX XXXX Amex cards each with their own separate yearly fee. 

I called in to resolve this miscommunication and the options I was given were to cancel the new account which would affect my credit score, or downgrade my current card to a free yearly fee card and keep my new account card with its yearly fee. I agreed to keep the new, wrongly created account with its signing bonus, but at that time when I was accepting the new account I brought it to the representatives attention that I had an offer for XXXX miles and XXXX mqms. The representative agreed they would apply that welcome offer to my card and proceeded to downgrade my other one. 

I ended up only getting the original offer and not the offer That was agreed upon for opening up an account without my knowledge. Fast forward 2 months and countless calls later American Express still refuses to give me the remaining portion of the offer that was agreed upon of XXXX more miles and XXXX mqms. I have called many times and now have to resort to filing a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: OH
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:
This is the second time I have asked XXXX XXXX XXXX to provide me with documentation were they sent me my statement or a bill to my correct address, also provide me with a notice 21 days before the due date before they can consider a payment later, I never received any of this. By XXXX XXXX XXXX XXXX is required to provide me with a notice before providing anything on my report that would negatively impact me as a consumer. The law clearly states that " if any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. They did not do any of the things the law clearly states. The law is also clear that transactions and experiences DO NOT BELONGS ON A CONSUMER REPORT. law states ''report containing information solely as to transactions or experiences between the consumer and the person making the report '' Also make sure late fees are accessed properly.

Company response to consumer: In progress
Consumer complaint received 2020-02-26
Company: EQUIFAX, INC.
State: NY
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:
EQUIFAX CREDIT REPORTING AGENCY REFUSED TO REMOVE ALL NEGATIVE INFORMATION FROM MY CREDIT REPORT THE NEGATIVE ITEMS ARE XXXX XXXX   AND XXXX XXXX  CREDIT CARD ACCOUNTS AND XXXX XXXX XXXX XXXX ACCOUNT S AND ALL HARD CREDIT INQUIRIES. THIS IS AFFECTING ME. TO ACCESS MY CREDIT REPORT MY NAME IS XXXX XXXX MY SOCIAL SECURITY NUMBER IS XXXX DATE OF BIRTH XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I inadvertently re-certified my income too soon and the information provided was from my XXXX tax return. When I realized this had happened, I sent the information from my XXXX tax return. They were quick to process the high income error, but have refused to timely process the information with my actual income. I make significantly less money now and as of this moment, I am self- employed and struggling. I called back in XXXX and was told that I need to submit additional documentation, so I uploaded my pay stubs as requested. I no longer work there and the payment calculations are incorrect and I can not afford it. I went back in and submitted my XXXX tax return information via the IRS retrieval tool in XXXX. My payment still hasn't been re-calculated. I submitted this information yet again and it's still being processed. I can not afford these payments. I have submitted the documents multiple times electronically and they are just sitting on them. It's funny because XXXX has already processed the same requests as XXXX  because they were sent everything automatically at the same time. I want this resolved now. This is totally unacceptable and I am seriously considering legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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: Information belongs to someone else

Complaint:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
Medical XXXXXXXX Balance Owed : {$680.00} Medical XXXXXXXX Balance Owed : {$680.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-23
Company: Bliksum, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I 've been paying them for 13 mos. I owed them {$2500.00} they charge me for monthly of XXXX. I paid them total of XXXX. But XX/XX/XXXX I got laid off. Until now I do n't have work. But they keep on bugging me. How can I pay them but actually I Paid them the whole amount I owe with interest. But they said I have to pay them until XX/XX/XXXX. That is too much. And I do n't have work how can I pay them. They keep on calling me and sending me email. THey used different number on calling me and this is too much. The company name is XXXX ( payday loan )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions 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:
Hello, I have XXXX Items that do not belong to me on all three of my Credit Reports ( Experian, XXXX, and XXXX ). For the past 2 years I have been fighting to have these items removed. Several of my letters have requested that they send me proof that the debt belongs to me. The bureaus are returning messages stating that the debt has been verified. They have said they verified the debt with the actual Creditor, But how has this debit been verified? no one has sent me any signature ID or anything that would confirm that I indeed have an account with the creditor. 

Over a month ago I sent certified letters to all three bureaus ( Experian, XXXX, and XXXX ), requesting an investigation of the the items on my report that were incorrect. 

1. XXXX  XXXX XXXX xxxxxxxxxxxx XXXX ( Experian, XXXX ) 2. XXXX XXXX xxxxxxxxxxxx XXXX ( Experian, XXXX, XXXX ) 3. XXXX XXXX xxxxxxxxxxxxxxxx XXXX ( Experia, XXXX, XXXX ) 4. XXXX xxxxxxxxxxxx XXXX ( XXXX ) Not to Mention there are address that do not belong to me appearing on all three reports in which I've already sent in proof of address. These address should not appear as it does not belong to me. Where are they furnishing these addresses from, once agile im being told its from the Creditor, however if these accounts are not mine how can the Creditor verify an incorrect address? 

XXXX XXXX XXXX XXXX XXXX NJ, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NJ XXXX I received responses from XXXX  XXXX, XXXX and XXXX. All of which have either an incorrect address. They also have no proof that the account belongs to me. No ID no proof of signature. They are Falsely Reporting items on my report that have hindered me from getting a mortgage to purchase a home and purchase a vehicle. 

Also XXXX took me to court and as of XX/XX/2022 the case was dismissed with no Prejudice. XXXX XXXX submitted an application for said loan however, it does not have my signature it has an Initial and it also doesn't contain where someone witnessed me signing for this load with their signature. 

I will attach the Documents that were sent to me including a FTC report I filed and sent to the Bureaus in XX/XX/2022. 

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED. THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXX violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code {$1600.00} ( A ) ( 2 ), 15 usc 1692j ( a ). and 15 usc 1681e ( b ).

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 2021-11-26
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: Investigation took more than 30 days

Complaint:
CREDIT BUREAUS ARE IN THEIR VIOLATION OF LAW FOR NOT CONDUCTING AN INVESTIGATION REGARDING ON THE FRAUDULENT AND MISLEADING ACCOUINTS REPORTED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: Experian Information Solutions 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:
I have contacted the bureaus numerous times informing them that account for XXXX XXXX, Acct # XXXX is reporting inaccurate information on my credit report. It is a XXXX XXXX Account showing a XXXX XXXX amount of {$1500.00}. Reporting this is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed and after 3 months of requesting that they do so they are still reporting inaccurate information with numerous other violations as well to which it is severely hurting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: DISCOVER BANK
State: OH
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:
On XXXX XXXXXXXX XXXX, DISCOVER BANK add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have contacted the bureaus numerous times informing them that account for XXXX XXXX, Acct # XXXX is reporting inaccurate information on my credit report. It is a XXXX XXXX Account showing a XXXX XXXX amount of {$1500.00}. Reporting this is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed and after 3 months of requesting that they do so they are still reporting inaccurate information with numerous other violations as well to which it is severely hurting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-07
Company: SYNCHRONY FINANCIAL
State: AK
Product: Credit card
Issue: Other

Complaint:
I purchased a XXXX with a no interest promotion through Synchrony bank XXXX/XXXX/XXXX. My regular payment is {$160.00}. I made {$200.00} payments on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I was just told I can not pay ahead. I have to make a payment once a month before the XXXX of the month. I also can not set it up for autopay. 
They want me to physically go in and pay it because if I miss it, they go back and charge me interest on the ENTIRE AMOUNT from day XXXX! There is also no grace period days. 
Something is SERIOUSLY wrong with this company being able to get away with that. 

The entire time I 've been thinking I 'm a month ahead!

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 2022-07-15
Company: DISCOVER BANK
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 made numerous complaints about this Discover charge-off account with no real assistance from Discover other than some mailed statements. 

Discover has charged off this account XXXX years ago, which means a 1099c was submitted. However, I have yet to receive a copy of the 1099c for the charge-off which is fraud. 

XXXX, XXXX, and XXXX are all reporting charge-off accounts on my credit report on top of all reporting different information which means it is also inaccurate and misleading and an additional reason why this needs to be removed from the credit report. The IRS defines a charge-off or a 1099c as gross or ordinary income. Income does not get reported on the consumer report. By reporting this as a charge off on my consumer report, it now becomes an inaccurate account which is now under 15 U.S.C 1681e ( b ) which speaks on maximum accuracy of the consumer report. This inaccurate accounting must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
When account was initially opened last year I had limit of {$1100.00} with minimum Payment of {$25.00} due per month. I always paid {$50.00} per month and was never late. My balance was around {$700.00} mid summer this year. XXXX decreased my limit two times without my knowledge. Went from {$1100.00} down to {$450.00} which was what I owed. Now this would surely affect my credit making it appear I owed what my limit was! Never received notification despite XXXX telling me they sent notices. Called them three times only to be told credit bureau reporting was factor and that the bank was responsible not them. Called XXXX XXXX and was told it was XXXX decision. Back & forth extremely annoyed! Finally received {$200.00} increase taking my limit to {$650.00} which is where it is now.

Company response to consumer: Closed with explanation