BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-06
Company: Bread Financial Holdings, Inc.
State: MI
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 XX/XX/2019, I opened a Comenity New York & Company. On this charge I purchased a dress and in the same month XX/XX/2019, I returned the dress. I believed the financial part of the account to be settled, even. In XXXX I received an alert on my XXXX XXXX and it stated I had a late payment and my score fell XXXX points. After I reviewed the report, I realized that it was Comenity New York and Company. I immediately called New York & Company to get and explanation. The agent told me I had been charged a restocking fee or the fee for returning the dress, {$6.00}, I am not sure. I tried to reason with agent, and I requested removal of the late payment and a onetime courtesy to remove the negative remark off my credit report because my actions were not meant with malice, and it was truly a mistake. After the agent told me she did not have the authority to remove the late payment, I then wrote to the CEO of New York & Company requesting a onetime courtesy and or forgiveness of the removal of the late payment. I anticipated a favorable response. However, the response was devastating, the late payment remained. 
I used this card once and I strongly feel this time only my actions do not fit the severity of their actions. I tried to explain this is my letter. I opened a credit card, I used it once. I purchased a dress and returned it within the same month, and I was not aware of the {$6.00} fee. So, I am requesting assistance in removal of this late payment. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX XXXX and the accounts that are reporting in my credit report. See the documents i'm attaching letter, ftc and my id 's to help you regarding this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX, 12 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 01 XXXX XXXX XXXX XXXX, 08 XXXX, 12 XXXX XXXX XXXX XXXX XXXX, 12 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 Inquiries : 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 2018-09-29
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 fraud alerts or security freezes

Complaint:
Experian has refused to freeze my or my husband 's credit report because we can not answer ridiculous security questions - for example, with what bank did we take out ( for two months ) a car loan 12 years ago. Another - who held a mortgage on our house, also for 2 months, over nine years ago. Another - to whom did we sell our last house, over nine years ago. 
I am XXXX, my husband XXXX. Experian has compromised our accounts, according to them. We can not possibly answer such, or other similar, questions. 
All transactions were by phone, so I have no written record.

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 2023-01-03
Company: EQUIFAX, INC.
State: MD
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:
Starting XXXX XXXX, XXXX, all medical debt less than {$500.00} will not appear on credit reports from the three major bureaus. 
I want Equifax to follow through on this new policy with the following : XXXX XXXX XXXX placed on on my report on XX/XX/XXXX a debt of {$89.00}. XXXX dollars from XXXX XXXXXXXX XXXX XXXX. 

This is a debt I deny ever owing but irregardless, I want removed completely from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I don't feel like I should be responsible for repaying a loan and the school has since closed. I have no positive out look as to furthering my education. No one will accept their credits and I will have to start all over as if I never went to a suitable school. I think it is unfair to me and any other students to pay for a degree that has no value. I attended XXXX XXXX XXXX XXXX, Georgia campus in XX/XX/XXXX and completed in XX/XX/XXXX. I have contacted the loan company so that it can be dissolved and was denied early on in XX/XX/XXXX. I worked very hard through XXXX, XXXX and XXXX just to hit a dead end!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
Issue : Bank of America Card. Paid off and date closed on the account XX/XX/XXXX. 
The updated date of XX/XX/XXXX shows that is is a revolving account, when the account has been paid and closed in XX/XX/XXXX. 

It has greatly impacted my credit score. 
XXXX account number.

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 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I mailed in a Annual  Credit Report Request Form to all 3 credit bureaus but received no response. I set up an account online with XXXX and made 4  attempts to get a free credit report but they insist on charging me ; and their phone is automated with no helpful option that goes back to where it was before. I tried to get a free credit report from all 3 credit reporting agencies online but they refused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
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:
On XX/XX/XXXX I contacted Experian about the following fraudulent accounts ; XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$110.00} ), XXXX XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$3200.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$24000.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ). If necessary I have the certified mail receipts for the dispute I send them. The dispute is attached. Experian have not responded to the dispute or correct the errors on the report from the above 4 accounts.

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 2023-01-03
Company: EQUIFAX, INC.
State: TN
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'm not sure what legal authority you have to disclose this. When I contacted the court, I was notified that they do not check, verify, furnish, allow or share any public information with you. The United States bankruptcy court clerk advised they do not report to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: EQUIFAX, 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:
I recently received a copy of my credit report where Ive noticed an account I previously disputed still reminds in my credit with comments if reinvestigatuin however the investigation has been ongoing for a year now and the bureau refuses to delete the account which clearly hasnt been verified and validated in addition the bureau has failed to provide proof of verification or validation within the required 30 days The account in question on with XXXX XXXX XXXX XXXX and the proof is attached of the credit report Also the bureau shows several account with no account details, payments, last date of activity this is unlawful and the accounts should be deleted ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Self Financial Inc.
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: Overcharged for something you did purchase with the card

Complaint:
TO : XXXXXXXX XXXX XXXX XXXXXXXX I reviewed my Consumer Reports and noticed that I had 3 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the XXXX XXXX XXXX XXXXXXXX XXXX Please investigate and provide Proof with statements, full accounting, on ledger off ledger showing that these payments were late. If proof can't be provided I demand these payments be updated on the time as they should be as I was NEVER Late. Thanks, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX reported an account that does not belong to me. I never heard of this account or had any dealing with XXXX XXXX. Ive asked XXXX XXXX to provide proof of ownership. Reporting this account to my credit file is a violation until the Fair Credit Reporting Act. No company should be allowed to report an account without providing proof of ownership. I would like to see a signed contract and agreement. Ive never did business with this company. I will be reporting to the Federal Trade Commissioner as well for investigation.

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 2018-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, former loan servicer, who transferred my student loan to XXXX XXXX before my loan entered repayment, i.e. no payment was ever owed XXXX ; no payment was ever made to XXXX. In clear violation of federal law expressly prohibiting duplicate reporting of loans ( including student loans ) within the borrower 's credit reports, XXXX continues to duplicate report ( same student loan for {$20000.00}, reported by XXXX XXXX, the current and only servicer to whom payments were owed ). XXXX 's per se unlawful explanation for XXXX 's continued unlawful duplicate student loan reporting is " loan history '' which argument is fictitious/illegal-self-serving because XXXX XXXX XXXX XXXX XXXX, XXXX, is the sole student loan system recognized as " authoritative '' for student loans history reporting. In fact, XXXX is merely actually using their unlawful student loan tradeline report for illegal monetary gain by sale of said unlawful tradeline. PRIOR NOTICE : TransUnion has received numerous requests from me to permanently remove XXXX 's per se unlawful duplicate student loan report from my TransUnion credit report ( hereby I incorporate my prior Consumer Financial Protection Bureau, CFPB report number XXXX dated XXXX XX/XX/2018 in full with all attachments by reference ). If TransUnion does not promptly ( within 10 business days ) permanently remove XXXX 's per se unlawful XXXX duplicate student loan report report, I will have no further option but to bring both XXXX and TransUnion to federal district court to answer charges of unlawful fraudulent student loan reporting extortion. XXXX and TransUnion have received written notice numerous times without corrective deletion of said unlawful duplicate student loan 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 2023-05-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please omit these items immediately : 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 2021-06-06
Company: EQUIFAX, INC.
State: IN
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 continues to report incorrect, inaccurate information about The XXXX accounts on my consumer Credit report. I disputed the Late payments they have and reporting on my consumers report for XXXX, XXXX and XXXX. 
They did not verify the disputed information, instead left the same Late payments that they continue to report and said they updated my report. These payments were never late. My account was in a Deferment status at the time in which Equifax is reporting Late Payments. 
Because of Equifaxs inaccurate reporting and failure to verify, I was denied a home mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: EQUIFAX, INC.
State: IL
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:
Equifax is still reporting the following items inaccurately. Can someone please look into this. Thank You Accounts XXXX XXXX XXXX XXXX never late XXXX XXXX  XXXX XXXX never late XXXX XXXX XXXX inaccurate INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized EQUIFAX MTGE SER XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I tried to log onto HSBC internet banking. I logged in and a message said that I needed to contact them because there is a block on my account and I cant see my info. So I called and an hour later I still hadnt gotten anywhere. They just give me the runaround. Now, Ive currently got an open dispute that Im waiting to be resolved. I couldnt see my information to see if its been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-01-04
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX 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 non-monetary relief
Consumer complaint received 2018-05-15
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have no knowledge of this account

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 2018-05-15
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have rcvd several phone calls from this company from several different phone numbers all times of the day they have called after XXXX and before XXXX. I told the company that I have moved to another state on a previous call before XXXX and gave my new address. and apparently they failed to update their system which is clearly mishandling this account. so this morning I received a phone call at XXXX XXXX  from this company I told the representative on the phone that It was before XXXX and what address they have for me and she gave me the correct address and I advised her that it was a violation of the fdcpa to call before XXXX and I wanted to speak to a supervisor and her response was well are going to take care of this. I asked if she heard what I said and I was put on hold. A operations manager came to the line and again confirmed my address and I advised this is the 3rd time that I have gotten a call before XXXX or after XXXX XXXX and I would be filing a complaint with the cfpb and she said they have their own complaint procedure and they will file the complaint. she again confirmed my address and immediately after continued to try and collect on this debt before XXXX after me saying several times that it is a violation of the fdcpa. FDCPA sub chapter 805 section ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, ( which this comapany had contrary knowledge because I gave them a new address and they failed to update records but still had it noted ) a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX  XXXX and before XXXX XXXX XXXX, local time at the consumer 's location

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