BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-10
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I keep getting several phone calls during the work day, when I'm unavailable, but it's once an hour it seems for the past few days asking for a payment when my payment was just made for last month and my next payment isn't due until XX/XX/XXXX, it's XX/XX/XXXX. I'm in good standing and I'm getting irritated by the amount of calls which I'm unable to block since they call from 20 different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022 I received a fraud alert on my email ( attached email ) and by text stating that there is suspicious fraudulent activity on my account. Two were approved. One was denied. 

Credit card ending in XXXX We noticed suspicious activity on your credit card and need you to review some recent transactions. 
Date XX/XX/2022 Amount {$1000.00} XXXX XXXX - XXXX Status Declined Date XX/XX/2022 Amount {$1900.00} XXXX XXXX XXXX # XXXX Status Approved Date XX/XX/2022 Amount {$2800.00} XXXX XXXX XXXX # XXXX Status Approved I immediately called the number listed on the email stating that it is fraud and I haven't used the physical card for making any purchases in the last 2 years. The bank replaced the card with a new one and opened a fraud claim ( claim id XXXX ) for the approved charges. Subsequently on XX/XX/2022, the claim was stated as resolved and charges were posted back to my account asking me to pay. 

I have since repeatedly tried to contact the bank with no avail.

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 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-02-28
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:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XX/XX/XXXX XXXX XX/XX/XXXX 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 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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, 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 2023-02-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Different late reporting dates. XX/XX/XXXX & XX/XX/XXXX on Experian XXXX XXXX XXXX XXXX reporting on XXXX and XXXX. 

Four different address on my credit file. 

Covi forbearance

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 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
My credit report shows a deduction in my credit score by XXXX, I did it pay off off early to reduce the impact and I had some refunds also pending.

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 2023-10-11
Company: Experian Information Solutions Inc.
State: TX
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:
Experian continues to violate 18 USC section 1342 - fictitious name and address. I have complained to Experian regarding fictitious names and addresses present on my consumer report and I requested the fictitious name and address be deleted. Instead of doing so, Experian maintains the fictitious names and addresses in question on my consumer report without my consent. Also, Experian added a new fictitious name to my consumer report, adding to possible identity theft. Again, I want all fictitious names and addresses that I as the consumer did not give express consent to have on my consumer report to be deleted immediately. I also want all phone numbers deleted from my report that I as the consumer did not expressly provide to Experian. 15 USC 1681 Section 604 a section 2 states that a consumer reporting agency can not furnish an account without my express written consent ; under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I never consented to share any information with any non-affiliated parties, such as Experian. This is a clear violation of 15 U.S. Code 1666b - Timing of payments : ( a ) Time to make payments. This furnisher can be liable for willful noncompliance under ( 15 U.S. Code 1681n ). Experian never received any express written consent from me to furnish my consumer report with any timings of payments. I have sustained damages by Experian willfully report timing of payments negatively on my consumer report without Experian having firsthand knowledge nor having my express written consent to do so. Such damages include, but are not limited to, preventing me from obtaining credit cards and denied rental approvals. Anyone sharing my data without consent is committing Aggravated identity theft. All negative appearing items on my consumer report need to be deleted immediately. Experian also maintains the entity named XXXX XXXX XXXX on my consumer report when I have no contractual relationship with said entity. That entity needs to be deleted from my consumer report immediately.

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 2022-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Initially there were unauthorized charges from my Capital One 360 Checking account which were not authorized by me yet at the same time the majority of the transactions never requested a debit card PIN number. 

Upon notice of these unauthorized charges I immediately contacted my bank and requested a new debit card via XXXX mail and to prevent any other unauthorized charges from occurring in the future with the card number that a hacker may have stolen at a gas pump or what the nature may have been. 

I received a notice that my account had been closed at the request of Capital One. While, I am fine with this as I have other large banks that I work with, there was something that disconcerted me. 

Almost 7 days went by after my account was closed with Capital One where I received an email that the fraudulent charges they received prior to my account closure had been resolved and they found no error. 

I disagree with this statement having been a loyal customer for many years and had many funds with joint checking accounts, joint credit cards that are in place with Capital One, etc... 

Capital One Bank sent reversals to my account after Capital One closed my account resulting in negative fees which were not made on my behalf. 

There are several transactions which were reversed by Capital One on behalf of companies such as XXXX, XXXX, XXXX XXXX XXXX Ticket add on to name a few. None of these transactions requested a PIN number which was never provided. This is the result of unauthorized charges. 

The fact that Capital One had chosen to end the business banking relationship and then 7 days later send me a notification of the results for transactions not authorized by me as if there is nothing that I can do is mind boggling. 

I also have a person of interest ( my ex-boyfriend ) who works for Capital One. So the fact that these results are suddenly appearing is once again mind boggling. Also, a matter of privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: I.C. System, 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: Problem with personal statement of dispute

Complaint:
Ever since XXXX Ive been disputing this account. My last dispute was sent back as Updated/Verified on XX/XX/2020 but they have failed to have a method of verification that this debt is indeed mine. This debt is only reporting in 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 2023-06-10
Company: Kansas Counselors, Inc.
State: KS
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 early XXXX of XXXX, I was alerted by XXXX XXXX that I had a negative comment that impacted my credit score. The comment was that Kansas Counselors , Inc., showed an unpaid bill from XXXX XXXX XXXX , XXXX, in the amount of {$770.00} for a visit to XXXX XXXXXXXX XXXX ER on XX/XX/XXXX. I contacted XXXX XXXX XXXX several times in an attempt to get them to remove the debt from my records. They refused. I filed a complaint with XXXX on XX/XX/XXXX, and I received their response today, XX/XX/XXXX. Their response was : " If XXXX was able to make changes to your credit report based on information you provided, they made those changes. Otherwise, XXXX asked the company reporting the information you disputed to investigate. '' I paid my copay of {$90.00} to XXXX XXXXXXXX XXXX on XXXX. Despite this fact, XXXX XXXX XXXX, Kansas Counselors and the XXXX XXXX XXXX have been unable to remove this negative remark from my credit score. I have never received a single letter or phone call from Kansas Counselors  since the account was sent to them on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: GA
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:
This is my XXXX 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. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4800.00}

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 2019-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach 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 explanation
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2021-10-28
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:
Credit repair agency is reporting my XXXX account XXXX XXXX XXXX as still open with a balance. 
This account has been fully completely paid. 
I have proof as well

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX loan id XXXX is reporting incorrect information to transunion. it is reporting 149 days late from XX/XX/2021 to XXXX XXXX and it is over 300 days late. please close account and remove from my credit report., ... ... XXXX. Loan ID : XXXX Is reporting inaccurate information on my TransUnion credit report.from XXXX of 2021 to now they are reporting my account as 149 days late. I have submitted several disputes through cfpb but XXXX  keeps verifying the account as accurate.This account is over 300 days late and should be closed. Please remove this inaccurate information from my TransUnion credit report.XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information. Please block and delete this account from my credit report. XX/XX/2021 is more than 149 days late, XX/XX/2021 is more than 149 days late, XX/XX/2021 is more than 149 days late, XX/XX/2021 is more than 149 days late, XX/XX/2021 is more than 149 days late, XX/XX/XXXX is 249 days past due XX/XX/2021 is more than 149 days late, XX/XX/XXXX is 291 days past due XX/XX/2021 is more than 149 days late, XX/XX/XXXX is 321 days past due XX/XX/2021 is more than 149 days late, XX/XX/XXXX is 354 days XXXX XXXX XX/XX/2021 is more than 149 days late, as of XXXX this account is more than 300 days late. Please block and delete this inaccurate 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 2017-10-22
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and someone used my identity and personal information to open up a XXXX credit card account ending in : XXXX, I have never applied for a XXXX credit card. The account is fraudulent, unauthorized and dont belong to me. I didnt apply for a XXXX credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: AZ
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX AZ XXXXXX/XX/XXXXXXXX Balance : {$0.00} ; XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I reported to the reporting agencies and the creditors that this was not my account and they still report this info on my credit report which is really affecting my ability to purchase a house!!

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