BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-06
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau 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 inquiries that are reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  - XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: CT
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2022-12-05
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My credit was hacked and I reported that to the credit card company which whey froze the account and began working on investigating the fraudulent charges. I was told that I would receive new cards in the mail which I never did receive. After about 2 months those charges were credited back to my account but the account is still frozen and no new cards have arrived. 

I contacted the company twice on XX/XX/XXXX and XXXX via the company 's message center ( I've tried to call several times but the customer service center only rings and after about and hour or so I hang up. On XX/XX/XXXX sent a message asking to close my account and return the credit of {$210.00} from the refunded charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-24
Company: CITIBANK, N.A.
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:
I have tried every which way to resolve this almost a year old dispute with Citi to no avail. 

It appears I am getting the runaround. I put the charge in dispute within the 60 days window but Citi keeps insisting to resolve with the merchant. 

The merchant appears to no longer exist and I have reached out to Citi several times and they keep coming back with the same old response like below ... 

" Please clarify if you cancelled with the merchant or the merchant cancelled the reservation. In addition, please provide a timeline of your dispute, the date the reservation was booked for and when the reservation was cancelled, and the dates you attempted to contact the merchant and the merchants response to your request for credit. So that we may further assist you, please provide the requested information by XXXX XXXX, 2020. '' Or like below ... 

" As explained in our letter dated XXXX XXXX, 2020, because we did not receive the information requested in our letter dated XXXX XXXX, 2020 regarding the cancellation of your trip, we did not have sufficient information to continue with the dispute. Therefore, it will be necessary for you to continue to work with the merchant to resolve your concerns. '' I have also tried to call several times but no one responds so I am frustrated. 

This is the 2nd time I am filing a complaint to CFPB on the same issue. The CFPB complaint id for the first time around is XXXX. 

Please help. 

I will also try to reach out to my Senators and congressional representatives regarding this issue. Consumers need protection when there is a clear case of non-compliance. 

I am attaching all the docs and correspondence as reference. 

Regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: OneMain Finance Corporation
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Request for Investigation of Unauthorized Credit Inquiry Dear CFPB I checked my personal credit report, and I noticed an unauthorized credit inquiry had been made. 

I contacted : *XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DE XXXX *. XXXX XXXX XXXX XXXX Contact info XXXX XXXX XXXXXXXX XXXX, IN XXXX ( XXXX ) XXXX, who conducted these inquiries and asked them to remove their credit inquiry from my credit report ; and since my contact with these companies they have not removed these error on my report I request that you investigate the companies listed above about inquires on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove any and all inquiries ( that fall under section 604 of the Fair Credit Reporting Act ), and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/20 fraud occuried on my account with XXXX  XXXX and XXXX   hard pull inquries. I never applied for either. I didn't authorize anyone to do so on my behalf. I will show you guys a picture. I just want my stuff to be accurate I'm gon na change log ins and different things so this doesn't happen ever again. I'm hoping you guys have an understanding. If anyone walked into these banks it wasn't me I didn't sign anything or do anything online with XXXX XXXX or 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 2023-03-13
Company: Experian Information Solutions Inc.
State: PA
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: Problem with personal statement of dispute

Complaint:
This company is reporting false information on my credit report. XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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 status incorrect

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. 
XXXX XX/XX/XXXX Transunion, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Transunion, XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX  XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion, XXXX XX/XX/XXXX Transunion, XXXX XX/XX/XXXX Transunion, XXXX  XXXX XX/XX/XXXX Transunion, XXXX  XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX XX/XX/XXXX TRansunion, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Transunion 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
Consumer complaint received 2018-11-10
Company: Franklin Collection Service, 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 has been non-compliant with removing the unverified account FRANKLIN COLLECTION SVCS INC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FRANKLIN COLLECTION SVCS INC was not established by myself but XXXX keeps verifying  this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Number one I was denied a new card after 32 years under the nonsense of credit score, mine is XXXX, their required number according to their guidelines is XXXX, my card was closed by mistake, their mistake. Number two they reported to credit reporting that I closed the account, causing my credit score to decrease, they closed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: TN
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 sent a letter on XX/XX/2022 to this Credit bureau. 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
Amex has slapped a charge of {$970.00} on my XX/XX/2020 bill, the charge is dated XX/XX/2020. This is for an order with merchant XXXX XXXX, for which was cancelled XX/XX/XXXX, and XXXX XXXX issued credits amounting to the total of {$970.00}. Therefor rendering this charge cancelled out. A rep by the name of XXXX with Amex, claimed it was what I had to pay for the dispute. Yet the merchant paid back the funds, to which should have closed out any dispute. Thus, making her statement senseless. I have included documents verifying my {$970.00} bill payment made in full to Amex from my banking institution, on XX/XX/2020, for my re-purchase of the washing machine appliance from vendor XXXX XXXX. That proves I should not be having to pay a second charge of {$970.00}, it is baseless and fraudulent. XXXX XXXX has also supplied documentation showing proof of transactions dates/receipt # 's, to demonstrate the honest truth that they issued credits back in the first week of XX/XX/2020, in the total of {$970.00}, for the XX/XX/XXXX cancelled order that never took place due to pandemic lock down. They also supply reciept # of my rightful payment made for the machine, that they received in my Amex bill for XX/XX/XXXX, processed XX/XX/2020 in the amount of {$970.00}. XXXX statement on Amex website is currently unavailable but again, XXXX XXXX is providing trans # 's proving credits issued and accepted to my Amex account. After all the deceitful practises, letter of lies, fraudulent misconduct and criminal activity that is baseless and completely unfounded, this card will now lay dormant and unused as Amex has caused me such extreme XXXX and XXXX XXXX that far reaches beyond any normal depths of human decency and healthy, trustworthy business relationship. I know this bogus " charge '' was thrown at me in retaliation for my filing of complaints calling for accountability. The work-from-home era of unmonitored reps., has resulted in outlandish and inappropriate behavior and illegal activity designed to victimize us as card holder. I earned a near perfect and impeccable credit history and do not have to succumb nor endure Amex abuse!! XXXX whom I spoke to on Monday XX/XX/2020, claimed the {$970.00} charge had to be legit yet could only provide a flimsy half -reply that it's my dispute charge?!? Yet she insisted its a legit charge. Strange when I told her to look at beginning XXXX to see the merchant credits for that amount and cancelled order, she oddly, " couldn't see them ''. Furthermore so convenient that my XXXX Amex statement that should show proof of my {$970.00} paid in full XX/XX/2020, is NOT a statement but a ridiculous letter stating changes to my account!! XXXX went silent and then eventually disconnected from the line. Crooks!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
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:
FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$820.00} written off. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX XXXX - Status Paid in settlement. {$10.00} FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$690.00} Status Open. 

FCRA violations : inquires not mine XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FCRA violations : not my names XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This company approved me for a card that I never did get a chance to use and abruptly closed the account and had been reporting negatively on my reports greatly impacting my scores.

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 2019-09-03
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: Account status incorrect

Complaint:
I contacted the student loan agency about me being in deferment and I was still reported late. They said it will be updated but nothing happened. The credit bureau didn't follow guidelines and still reported me late.. I came to this country with a vision to succeed. I would never be late on my bills. I work hard to survive and make it.Please help with justice to get these 13 lates removed from my report. Its actually one loan but its reported different on my report. I contacted the student loan to verify. Im beibg reported late 13 times. Please help to update my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I use money gram to send my {$300.00} a month mortgage payment. But on XX/XX/2019 my monthly payment was sent for {$1100.00} which was an amount greater than I normally send. Since this day I have disputed with Money Gram and they refuse to send me back my money. I have disputed with my bank and then nothing happens. I have been the victim of identity theft and I did not authorize for this amount to be taken from my bank account and it should not take 6 months to get things squared away. Please return my money. I have attached my FTC Affidavit and police report

Company response to consumer: Closed with explanation