BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Date XX/XX/XXXX @ XXXX To : TransUnion XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX From : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Strange Activities : Someone is going to the credit-reporting agencies changing my address. Also, my security freeze has been removed from my credit file. 

When I received a notification on my phone XX/XX/XXXX, I called the credit-reporting agencies on XX/XX/XXXX and other dates requesting a Fraud Alert on my credit file. While talking to TransUnion Customer Service - Fraud Dept, the lady told me I can also put a freeze on my account, too. She allowed me to pick my security freeze ID number over the phone. As of XX/XX/XXXX, the freeze status has been removed and someone went into TransUnions system and posted the old address. I was shock to see old information because I received letters from TransUnion coming to my current address. I found the old address accidentally, on XX/XX/XXXX@ XXXX XXXX and I changed the address to the current address. I found out if there are discrepancies on the credit file, the credit-reporting agencies, all the companies, I may want to get credit from and including myself will be unable to do a identification verification requirement. 

SEE ATTACHED DOCUMENTS : 1. XXXX 2. XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX2019 4. XXXX XXXX XXXX XXXX XXXX XXXX2019 5. ssn

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 2019-05-08
Company: SYNCHRONY FINANCIAL
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX I opened an account with JCPenney with a credit limit of {$700.00}. In XXXX, the account was closed due to non-payment. When the account was closed out I was contacted by some collection agency because there was a pending balance that was being reflected on my credit history. I explained to the company that I would pay off the balance only if it was removed from my credit bureaus. The company proceeded to agree with my conditions but as of now the balance is still reflected on my credit history. I then went on to contact the company to acquire access to our phone conversation but the company refused to grant me the recordings stating that they were for company use only.

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 2020-05-15
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: Investigation took more than 30 days

Complaint:
EQUIFAX FAILED TO INVESTIGATE DISPUTED ITEMS WITHIN 30 DAY. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Id like to dispute a late mortgage payment from XX/XX/2015, a XXXX card and XXXX   card all from the end of XX/XX/2015.

I made these payments through the Bank of America portal like I do all of my bills and for some reason they did not post within the correct timeframe. I did contact Bank of America and they informed me that they werent aware of portal issues but that because I called they would effect my credit. I just learned that it has affected my credit through a credit report.

Im not sure what to do since Ive just become aware of this. Im not sure Bank of America records their calls but if they do then thats the only proof I have.

I dont have bad credit since my score is XXXX but I would like to have these marks corrected.

Thank you

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 2018-07-07
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:
This account has been disputed multiple times due to the inaccuracies in the reporting with the company XXXX. It is showing I have past due payments in which I have never made a late payment. However, there was an incident to where my car was totaled and I was awaiting gap payment. The payment was held up due to XXXX being I constantly called the company as well as my insurance provider to make sure the car was paid off before my due date in which the company kept telling me they are waiting on paperwork from my insurance company who sent the paperwork multiple times. At this time my payment was made and I had a month to get things taken care of. By week 3, after continuous conversations with both my insurance company and XXXX, my insurance company wanted to call the company with me on the phone to verify things as they stated payment is set upon response from XXXX. While calling XXXX with my insurance adjuster, the company stated they didnt get the paperwork in which my adjuster notified the rep of the numerous times and dates paperwork was sent as well telling the company they are just waiting on the proper paperwork to pay the debt. I explained to the XXXX sales rep that my payment is becoming due and voiced my concerns of the paperwork being delayed intentionally after the rep just so happen to find the paperwork. Because of the delay in the companies efforts to get the account paid the account was paid a week after my due date. I dont think I should be penalized for the companies lack of effort especially when I was on top of things. Im hoping the company can review call logs and conversations and see that I tried to get this solved. Also, I am sure I can obtain a copy of my insurance adjusters notes from the case to verify our conversation because I asked her to note the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I made transactions with Regions bank initially involving XXXX. Suddenly I was processed with international fees. This is banking fraud because I didn't authorize by debit card for these transactions but my information was passed along to the consumer groups. This is agreed upon an extra payment fee due to the Regions terms of service agreement that I disclosed when I opened my account initially. 

My money was sent to XXXX, XXXX, and XXXX but I never received my product, goods, nor service. Why are adults allowed to take my money and prosecute myself for misdemeanors but I never receive a docket number for my case. An open dispute resolution was actively closed by a bank teller when my account became negative in funds. 

I was a victim of a violent shooting in college and never received my diploma because I didn't get to graduate. This is not fair because I am an adult and can not earn fair wages. I keep paying my money and my debt to society but I am treated unfairly. 

If I knew that Regions was going to waste my money then I never would have done any of this! This is very frustrating. 

I am still being charged ATM fees, and monthly service fees, but I can not access any more cash! There should be a communication at least when my account is escalated to include extra fees. Or if there is a delay in my transaction then the consumer response should include a third party or myself directly. Either by telephone, email, or fax.

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 2020-11-16
Company: Experian Information Solutions Inc.
State: MS
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 mailed a letter requesting investigaton of inaccurate accounts listed on my credit report. I never received a response so on XX/XX/2020 I mailed another letter. I still haven't received a response and it's been 5 months!!!!

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 2018-07-07
Company: Harvard Collections, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX # XXXX XXXX XXXX placed negative collections on my credit report around XX/XX/2018. Four accounts in total. {$830.00}, {$320.00}, {$570.00}, {$320.00} over a year ago XXXX XXXX XXXX, XXXX had also placed these four accounts on my credit report but these delinquent accounts are for a woman named XXXX XXXX, I am not XXXX and I have never been to shooting star rehabilitation services. They were removed from my credit history. But on XX/XX/XXXX XXXX XXXX XXXX XXXX placed all four collection on me again. My name is not XXXX XXXX. I started a dispute on XX/XX/2018 when I had noticed what XXXX XXXX XXXX had done. I sent proof of my identification to XXXX XXXX XXXX on XX/XX/2018 after speaking to XXXX XXXX XXXX over the phone. A manager at XXXX XXXX XXXX instructed me to email my ID to his email address and he would fix the problem. My first dispute closed and nothing was done and Harvard continued to collect the debt. I opened a new dispute on XX/XX/2018 and on XX/XX/2018 I filed an identification theft report with the federal trade commission. My dispute was finally resolved on XX/XX/2018. I am not even XXXX XXXX the bills were never mine and I have wasted countless hours and a lot of money on this problem. XXXX XXXX XXXX knew I was not the right person but they continued to try to collect money. This has put a tremendous strain on my family life

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XX/XX/XXXX XXXX  's at XXXX XXXX XXXX XXXX Florida which uses Synchrony Bank for their credit cards. I Bought A ring and 2 days Later returned it on XX/XX/XXXX. I handed it over to the Fine Jewelry supervisor like your suppose to. XXXX took it. I originally lost the receipt of returning it. XXXX the manager called me a liar said he looked on video and told me I put it back on my hand. This is NOT true. They for some reason put the ring in my husbands name - We were together but have different last names. this was a {$2400.00} XXXX Later went on sale for XXXX. But after I brought it home I decided I didnt want it. I didn't look right. I was going nuts trying to find the receipt for returning it. Once I did. I emailed it to the manager XXXX, And all of sudden it was there. They have been trying to rip me off for a long time. I contacted Corporate and was promised XXXX gift certificate for all of my inconvenience XXXX XXXX - Have not got anything. 
On XX/XX/XXXX I was back in the store Ask for XXXX. I had a very expensive pair of XXXX shoes never worn cost over XXXX They are Too Large. I tried my best to exchange them and they would not let me. So they are useless. I have already paid for all of this and my husbands clothes we bought there already. Didn't have my shoes so had to order them online. This whole ordeal has been a nightmare. Someone needs to help me. They are still saying I owe for this ring.

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 2018-02-13
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX XXXX account ( ending in XXXX ) was opened fraudulently. 

As I have upgraded my XXXX XXXX XXXX to XXXX XXXX XXXX XXXX ( ending in XXXX ) in XX/XX/XXXX, I was told that the previous card has closed. 

On XX/XX/XXXX, I went to XXXX XXXX store made a purchase, and asked the XXXX XXXX cashier to put that purchase on my XXXX XXXX XXXX account. However, the cashier open a new XXXX XXXX account without notifying me. 

On XX/XX/XXXX, I received call from XXXX XXXX to pay late fee charge and interest for XXXX XXXX Card account. After speaking with more than three customer services from XXXX XXXX on the call, they just pushed me to settle for the payment. 

XXXX XXXX failed to notified me about the new credit card account opened without my consense, until the late fee has been charged. I was charged for unfair late fee due to the mistake made by XXXX XXXX workers and XXXX XXXX. 

I have no late payment for any other credit card that I own from other banks. This has negatively impacted on my financial credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank of America failed to mail statement to my address per account instructions for the last 10+ years. Statement was not received which resulted in 1 day being late and a {$28.00} fee was charged. I disputed the fee in writing over 30 days and there has been no response by Bank of America to reverse the fee. I feel this is a purposeful act by Bank of America to pump up fees to customers. This will some day result in a class action like all of XXXX XXXX accounts for doing similar practices.

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 2023-02-18
Company: Bridgecrest Acceptance Corporation
State: AL
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:
Complaint number 3. 

This account has been VERIFIED AS ACCURATE AND UPDATED : Yet, on my credit report The last payment reflecting an OK ( current ) status ( paid ) jumps from on time to 60 days late. ( Attached ) I disagree that this account is accurate. My understanding is that 30 days comes before 60. 

Therefore, this account is not accurate : How was it Verified as such? 

If you can not fix this and report accurate information as the FCRA regulates, then notify the CRA ( s ) for deletion of this account from reporting onto my consumer report.

Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete.

I want to remind the Furnisher ( Bridge-crest ) of : Prohibition on Reporting Inaccurate Information.

Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA.

The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. 

If the person specifies such an address, it may not furnish information relating to a consumer to any CRA, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is, in fact, inaccurate.

In addition, Furnishers Duty to Investigate.

If the furnisher finds that the information reported was inaccurate, the furnisher must promptly notify each CRA to which it provided the inaccurate information of the determination and provide the changes necessary to make the information accurate.

Finally, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 XXXX : 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 2019-05-08
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Inaccurate credit reporting. Wrote a letter to challenge the accuracy of items on my report. 
Details are included in this letter which is uploaded to view.

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 2018-03-28
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Comonwealth Financial Systems didn't send any correspondence to me in reference to this debt. I have disputed the debt through credit agencies and have sent them letters requesting verification including original bill/signature and haven't received anything from this company. Commonwealth isn't bonded in the State Of Georgia to collect debts..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
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: Was not notified of investigation status or results

Complaint:
On the XXXX of XXXX, I sent them a letter to validate unknown and incorrect information on my credit report and have not given any feedback after 30 days. I sent another letter on the XXXX of XXXX complaining that I have not received anything and up to this date they still haven't responded to any of my disputes. Under the FCRA, they have to respond to my disputes within 60 days or they have to remove those items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions 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 contacted experian credit services due to the reporting of a XXXX XXXX   bankcard on my credit report. This account with XXXX XXXX is fraudulent, I filed a identity theft report and forwarded it to both experian and XXXX XXXX bankcard. When XXXX XXXX contacted me they narrated that for the reason they sent this credit card to an old address I had in the past, I have to pay the balance on the card even if I didn't live there at the time or for many years.This company XXXX XXXX is fraudulent and does not care who they harm or who they ripoff.Experian continues to report this fraudulent account so they can collect monies from this fraudulent company.Experian is not protecting me the consumer that am an identity theft victim.Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that 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 2019-10-26
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