BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: AL
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 recently requested a reinvestigation of the completeness and accuracy of the list of accounts below : 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 I received my results and there is no way they did a proper investigation because there are several errors still on my credit report as but not limited to : Date of birth, high limits, last payment, the amount owed, and several other errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hi, This is in regards to my Comenity Bank XXXX XXXX Credit Card. They closed my account in XXXX without telling me because of inactivity but I had made several large purchases on the account between XXXX of about XXXX. These charges went through and I paid them in full. I received statements that I paid through XXXX. I only used the card to make these purchases to earn rewards. I had accumulated {$800.00} in rewards. When I tried to retrieve the rewards I was told that my account was shut down and there was nothing I could do. I have been escalating this within the company with several employees with no resolution since end of XXXX XXXX. Ive been repeatedly blown off. I just received another message via twitter that they have my dispute and it could be another 60-90 days to make a decision. This is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-04
Company: Experian Information Solutions 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 several endeavors to tell Experian credit bureau 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX 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 2021-06-01
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Westlake Financial took a closed account # XXXX, that was also charged off, then re-opened it on XX/XX/XXXX. They re-aged the account that was delinquent XX/XX/XXXX, then falsely re-opened it, showing the account was never delinquent. The 7 year statute clock that was supposed to end XX/XX/XXXX, has now been re-started as indicated by my credit report from 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 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Greetings, I have negative accounts listed on my credit report that should not be there. Those things are affecting my score and ruining my plans. I want you to remove the negative items on my 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 explanation
Consumer complaint received 2023-01-06
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Navy Federal Credit Union advertised a New Car Loan rate of 4.74 % for 60 months on their website. Despite having an income and credit rating that is amongst the best in the nation they provided a loan approval with an interest rate of 5.04 % for the same term length that was advertised as 4.74 %. Follow-up phone calls did nothing to fix the situation and they could not provide any reason for not assigning the best loan rate as advertised. This feels like a bait and switch and caused a ding to my credit rating for the application. This practice should not be permitted and should be addressed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: IL
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:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

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 2021-01-23
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. An account for XXXX showed up on my credit report. I did not open, authorize or use this account. I contacted XXXX and was told to contact XXXX  XXXX  as they now handled the debt. I contacted XXXX through the CFPB and received a response indicating they investigated my claim and have ceased collection efforts on the account. On my credit report XXXX is still reporting this debt. I am disputing this debt and requesting its immediate removal. I have attached a copy of the full complaint filed against XXXX  XXXX  regarding this debt, including their response indicating their decision to stop collecting this debt due to identity theft. Please note that due to file size I was unable to upload the document directly to credit bureaus website and thus had to use the CFPB.

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 2023-02-06
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I.C SYSTEM is in violation of my federally protected rights they using unfair and deceptive debt collection practices and invading my individual privacy which is a violation of 15 usc 1692a. Never had I did or give them consent to have my personally information which is identity theft which make them civilly liable and criminal liable.

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 2021-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
CapitalOne credit cards use TransUnion as their credit reporting agency. In early XXXX of 2021, I paid my credit card balance nearly in full ( close to $ 8k ). XXXX  has begun reporting weekly and in some cases, daily credit status to other services, like XXXX. As of XX/XX/2021, CapitalOne has not reported my balance decrease to XXXX, or XXXX  is not reporting balance decreases in an equal manner as they are about balance increases. The result is that my credit score dropped 41 points when my spouse and I opened a retail credit card for a simliar amount, and simultaneously did not make any effort to keep my score when the balance was paid. I believe this is a predatory credit reporting measure and should not be an acceptable practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: Chime Financial Inc
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XXXX XXXX I had a negative balance of XXXX. I added XXXX to leave XXXX negative. Chime had it at XXXX negative. I message thru their chime bot and nothing. On XXXX XXXX I was charged XXXX for a game I do play and buy coins for but Not that transaction. Once again nothing. Never no mentioning of refunding my money but was told my card will be disabled due to it being compromised. I responded back DO NOT DISABLE my card, cause it was not compromised. Chime refused to refund the money and wants to hide the fraudulent activity the company has going on by disabling my card with my money on it that I use to pay my bills. I would like to file an civil suit against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I disputed XXXX that's reporting on my credit report and it was deleted from all 3 bureaus but for some reason, It reappeared on my credit report with no explanation, no letter was sent to me not explaining why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S ACTIONS AND MY CREDIT FILE HAVE BEEN LEFT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

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 2020-09-09
Company: Experian Information Solutions Inc.
State: IL
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/2020 I 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 30 days gives a reason to immediately remove those items on 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 XXXX data breach and may have  got into the hands of the wrong person.

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 2023-03-27
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: 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 ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE SENT NUMEROUS WRITTEN REQUESTS TO EQUIFAX TO REMOVE FRAUDULENT 2 ACCOUNT FROM MY CREDIT RPORT WHICH SHOWS THAT I AM AN AUTHORIZED USER. I KEEP TELLING THEM I NEVER REQUESTED TO BE AN AUTHORIZED USER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have lost income and had to move twice due to XXXX XXXX. I was not able to pay my credit card bills because of this. I called and asked for help. I was told the only option they have is a payment plan, but I have to pay the day I sign up. Since then I have been repeatedly called and harassed by American Express, receive threatening emails informing me my credit will be ruined, and they have even called my mother at her home in another state. Just today I received a threatening email informing me they will be reporting me to the credit bureaus. I pay my bills normally but because of XXXX  XXXX, I be had to move ( roommates became unemployed ) and I lost part of my income. This treatment is vile. They know and they just want to hurt people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 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 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 2022-04-04
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: Was not notified of investigation status or results

Complaint:
Hi. I am writing because i received a letter that says that someone is trying to dispute in my behalf. Please be assured that it was I who processed my CFPB report. I hope you do something about it and help me out with my concern.

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 2020-04-06
Company: Duncan Solutions, lnc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX Customer Service Center XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX   ACCT # XXXX I had XXXX XXXX LITTLE DEVICES AND MY CAR WAS STOLEN AND THE OTHER REPOSSESSED HOW CAN I RETURN THE DEVICES. I PAID FOR THE XXXX XXXX  tow and Im still being billed. They illegally took money out of my account, illegally. 

Tags can be mailed back to XXXX XXXX XXXX XXXX, Nj XXXX ( XXXX ) XXXX Im physically XXXX, my old tags were XXXX XXXX  PLATES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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.it also states a consumer reporting agency can not furnish an account without my written instructions XXXX accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 

15 U.S.C 1681 section 604 A.it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c-2 ] XXXX Collections Account # XXXX ( a ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged 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 2023-07-13
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm looking to buy a new house and don't want the current extended fraud alert on my profile to hold me up at all during the home-buying process. I'd like to have it permanently removed and have supporting identification documents in the letter which I've uploaded below!

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 2020-03-09
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: Personal information incorrect

Complaint:
On XX/XX/2020 I certified mailed a letter to this credit bureau to update and correct any incorrect names, birthdays, and addresses from my profile. As of this point they have not removed the names or addresses.

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 2020-03-09
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
On XX/XX/2020 I certified mailed a letter to this credit bureau to update and correct any incorrect names, birthdays, and addresses from my profile. As of this point they have not removed the names or addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
That it's happening to me and my credit report is just so frustrating for me. This is not just embarrassing, but you and the company are both to blame for reporting this inaccurate information. You can remove the late payment annotation and update to paid now or as agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
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: Information belongs to someone else

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX {$320.00} USDEPTEDXXXX XXXX {$270.00} XXXX XXXX {$74.00} XXXX XXXX {$490.00} XXXX XXXX XXXX  XXXX {$110.00}

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