BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
There is a charged off account reporting on my XXXX Credit file that is not mine..i requested written verification and written validation that the account was mine and i have yet to receive it ... They have not proved that the amounts nor the dates on this account are correct. The account in question is from XXXX XXXX XXXX XXXX XXXX and should be removed from my account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Recently I did an investigation on my credit report and found unverifiable, invalidated, inaccurate, and questionable items that COMENITY BANK XXXX didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. I really hope we do not have to take this to court. The following account is in question CBXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Cascade CISS Holdings, LLC
State: MI
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:
I have contacted XXXX multiple times and have sent letters and a FTC report before. They are saying they don't have my documents. I have the following inquiries I did not authorize reporting on my report. Also, my Bankruptcy is dismissed and did ot move forward and should be updated as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022, I sent a letter to the credit bureaus asking for them to perform a proper investigation of accounts on my credit report. The credit bureaus stated that the following account/accounts was/were properly investigated, but how is that possible if there are still obvious reporting errors on my credit report? I will upload copies of my credit report with the errors marked for evidences as well. Regardless, this behavior is grounds for removal. The accounts in question are as follows : XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : US DEPT ED Account Number : XXXX XXXX. Account Name : XXXX XXXX  XXXX Account Number : XXXX XXXX. Account Name : US DEPT ED Account Number : XXXX XXXX. Account Name : XXXX Account Number : XXXX In addition, they have also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Bread Financial 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 belongs to someone else

Complaint:
I just had these two companies pop up on my credit for credit cards that I dont own! I havent opened any new accounts in over a year!! Im very upset about this!! I have contacted my attorney about this! These companies are fraudulent and need to be invested!! Pleas remove them from my account! Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
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:
Someone is using my identity to apply for credit cards and inquiries. There is an account that was open without my acknowledgement nor consent. I am a victim of identity theft.

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX RI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/XXXX XXXX XXXX Balance : {$1500.00} XXXX CARD XXXX Balance : {$0.00} XXXX BANK NA XXXX Balance : {$26000.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$1800.00}

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 non-monetary relief
Consumer complaint received 2018-10-16
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My XX/XX/2018 bill indicated a balance of {$510.00}, due XX/XX/18, which I paid in full on XX/XX/18. Today, I received a bill for {$1.00}, due XX/XX/18. I paid it immediately, and then called XXXX to find out why I was charged more even though I'd paid the balance well before the due date, and there was no information on that bill which indicated anything about " residual interest ''. According to their " fine print '', there is no indication of charging a " residual '' interest rate. This had never happened before with this credit card company. I was told by XXXX that it was a " residual '' interest. Her explanation of that was insufficient, so I asked to speak with her supervisor. XXXX told me basically the same thing, but it still didn't seem like transparency was being used in their billing processes. I'm filing this complaint so other people who might have once trusted Citi, have a reason to do so no longer.

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 2019-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ive had my information breached, Due to An bitter ex girlfriend, she has applied for numerous loans and placed massive amounts of hArd and soft inquiries on my credit reports, right when I had a grip on my negative credits markings she has applied to the point my XXXX XXXX XXXX XXXX. Was unable to offer me any credit .. I have XXXX debt

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 2022-09-23
Company: Experian Information Solutions Inc.
State: LA
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 following XXXX XXXX XXXX  Account XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, DEPT OF ED/XXXX Account # XXXX, and Account # 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 2022-09-23
Company: Experian Information Solutions Inc.
State: NV
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$65.00}, XXXX XXXXXXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$6400.00}

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 non-monetary relief
Consumer complaint received 2022-09-12
Company: Certegy Holdings, LLC
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
Please see CFPB complaint XXXX which was closed after Certegy represented that it would provide me with the requested information. It did not. Again, this dispute began when I tried to make a purchase from the XXXX calogue. After Certegy rejected my check I attempted to obtain an explanation for its actions by calling their phone line. I thereafter contacted the website. Finally, I contacted Certegy in writing. On each occasion Certegy refused to provide me with an explanation for its adverse action unless I disclosed my Social Security Number and Driver 's License Number, neither of which were available to Certegy at the time it rejected my check. Certegy continued to demand the unrelated PII in response to my complaint with the XXXX XXXX XXXX. Finally, after my CFPB complaint pointed out that it appears that Certegy is randomly rejecting checks in order to collect a PII data base, Certegy purportedly agreed to provide me with an explanation as to why it rejected my check. However, Certegy 's explanation is meaningless, advising me that the rejection of the check and interference with my financial transaction with XXXX could have been based on " the check number, dollar amount, check-writing history or other transaction details. '' Such a response, along with Certegy 's assurances to CFPB that it would provide me with an explanation as to why my check was rejected makes a mockery of the Complaint process. If it is not within the CFPB 's jurisdiction to investigate Certegy 's misconduct, I would be grateful for a referral to the appropriate agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/2014 Balance : {$0.00}

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 2022-09-12
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I sent my second letter to Experian, XXXX, and XXXX giving them an opportunity to rectify the situation and they have not. They are reporting inaccurate information and they're reporting a bankruptcy that I have disputed and asked for them to remove. 

I have asked them to remove names, addresses, and employers that I am not associated with. I also told them to remove my social security number ( last four digits ) my birth date/ year.

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 2022-01-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair credit reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Experian Information Solutions Inc.
State: NC
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:
My husband and I were in a forbearance plan due to COVID. We were then, at the end of the forbearance, scheduled to pay XXXX, XXXX, XXXX and XXXX to be current this year. A total of close to $ XXXX. XXXX XXXX  STILL REPORTED US LATE to our credit even though it was a forbearance. That is affecting us selling our home now and we would like it corrected on our credit. They should not have reported this incorrectly.

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 2022-09-23
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: Their investigation did not fix an error on your report

Complaint:
This issue involves collections that were sold off to a lender for further collections. My issue is not denying the collection, rather after having paid off the collection to the lender that bought it and having them be able to delete their additional collection, the original companies collection / charge off on my report still remains. I've contacted XXXX about the issue with them reporting on my credit report, however it is not in their hands to be able to delete the report as it's impossible on their end as they no longer have my account. They requested I speak directly to the bureaus about this fact and that if I disputed it further, they would oblige to delete. As there is no contact information on the bureau 's site about a number to contact XXXX XXXX, I don't know how the bureau could prove the information on the account to be true or any of the information on the collection account. The secondary lender that bought this account as a collection has already taken off of my report their own collection account as a pay to delete contract was paid to them. I've disputed this many times and am unable and unsuccessful and accomplishing this.

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 2021-10-29
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 42 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 REQUESTING A RE- INVESTIGATION OF THE INQUIRIES ON ALL  XXXX  CREDIT BUREAUS. THERE ARE  XXXX  INQUIRIES ON MY TRANSUNION CREDIT REPORT THAT I DID NOT AUTHORIZE. AS YOU CAN SEE SOMEONE USE MY IDENITY AND OPEN UP ACCOUNTS IN MY NAME IN  XXXX   XXXX  NEVADA. A PLACE I HAVE NEVER LIVED AND I AM STILL FIGHTING TO HAVE THIS NEGATIVE INFORMATION REMOVED FROM MY CREDIT FILE. I DID NOT AUTHORIZE THESE INQUIRIES AND I HAVE MAILED LETTERS TO EACH CREDITOR ASKING FOR REMOVAL OF MY CREDIT REPORT. I AM ASKING AGAIN FOR A  RE  INVESTIGATION FOR THE REMOVAL OF ALL  XXXX  INQUIRIES OFF MY CREDIT REPORT FROM TRANSUNION AND  XXXX  FROM   XXXX   AND  XXXX . I HAVE DONE MY PART BY SENDING OUT CERTIFIED LETTERS TO THE COMPANIES AT THIS TIME I AM ASKING FOR DELETION OF MY CREDIT FILE. THESES WERE ALL FRAUDULENT INQUIRIES

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 2019-04-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My husband and I were in a forbearance plan due to COVID. We were then, at the end of the forbearance, scheduled to pay XXXX, XXXX, XXXX and XXXX to be current this year. A total of close to $ XXXX. XXXXXXXX XXXX STILL REPORTED US LATE to our credit even though it was a forbearance. That is affecting us selling our home now and we would like it corrected on our credit. They should not have reported this incorrectly.

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