BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Around XX/XX/2022 I was online searching for a set of new tires for my truck. Since Our company has a gas card from XXXX XXXX, we were advised to use XXXX XXXX XXXX XXXX XXXX  for the replacement tires. XXXX XXXX XXXX is affiliated with XXXX XXXX, so there card is accepted at XXXX XXXX XXXX XXXX XXXX 
During the process, the XXXX XXXX XXXX XXXX XXXX website portal, direct you during the process to the page to apply for credit. Thinking about it now, I should have just purchased the tires with the XXXX XXXX  card we already have. Instead of applying for a card at XXXX XXXX XXXX XXXX XXXX  ( 1 ) st because in XXXX Missouri XXXX XXXX XXXX XXXX XXXX XXXX and a couple of other automotive services, are known in the minority community to be uncredit friendly towards minorities. 
( 2 ) Because I already was in the process of buying tires and scheduling services. Being directed to XXXX XXXX XXXX and Services by XXXX XXXX, otherwise My Wife and I probably would have chosen a different company. 
( 3 ) The credit application was denied and I expected it to be, because as a minority in XXXX, Missouri. Certain comanies a minority knows will automatically get denied for some really unexplainable errors. 
Company complained about for credit discrimination : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: AMERICAN EXPRESS COMPANY
State: MA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/21. I initiated a {$3000.00} balance transfer from an American Express account to XXXX. The transfer was accidentally initiated using an old Amex Cash Magnet account that had been closed. 

I have verified with XXXX that they sent {$3000.00} transfer funds to the old Amex account on XX/XX/21. 

My current Amex account is a Platinum card, which is the one I intended to transfer the balance from. I have called Amex several times, speaking to XXXX XXXX and XXXX, asking to have the {$3000.00} credit moved from the old Cash Magnet card to my current Platinum card. They have identified the issue, but can not tell me why my current Platinum card still does not show the {$3000.00} credit. 

XX/XX/21 I still being told to allow more time for credit to post. I want this issue resolved, either through a statement credit, or check mailed to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
At the offices of XXXX XXXX XXXX XXXX XXXXXXXX Florida, I presented my photo ID to an employee who negligently and inaccurately typed my name into XXXX  system without providing me an opportunity to review the data. XXXX issued a credit card in the wrong name but, without activating it, my name was corrected upon my complaints to my correct name XXXX. I have never been known by XXXX and this one time stupid irresponsible error must be corrected and DELETED permanently from my Equifax credit report. I have attached a photo of the XXXX XXXX XXXX credit cards which obviously discloses that the error was discovered and corrected. Notice is given that unless this inaccurate NAME is not permanently deleted from my Equifax and any other credit report within 5 days, I will file a lawsuit in the US District Court for the middle district of Florida for FCRA willful violations naming Equifax, XXXX XXXX, XXXX XXXX XXXX  and others seeking statutory damages of {$1000.00} for each violation plus 9-80 fold punitive damages of between {$9000.00} and {$80000.00} per violation left corrected for every month reported. In addition, I will be filing Demands for Arbitration within the next 5 days for other disputes pursuant to valid arbitration agreements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I asked for a lease extension or forbearance on my monthly payment in XXXX. My request was denied. When I made the request I informed Acura that I went from making XXXX a year to XXXX a year due to the pandemic. Even though I no longer need the car due to me having to accept a job in a different state so that I can have some sort of income coming in. A lot of the XXXX XXXX  closed because of covid and the delta variant has cause a delay with other XXXX  contracting me to XXXX XXXX. I have spoken to Acura several times and the rep can not tell me WHY my request for assistance has been denied and they have put in four " tickets '' for a supervisor to contact me back. I have yet to receive a call from a supervisor. I receive calls from representatives asking for a payment but they say the same thing and require that I call back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX, 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.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
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:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft 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 2022-09-08
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:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft 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 non-monetary relief
Consumer complaint received 2017-09-12
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i keep getting calls from collection agencies in reference to a balance. 
i received the first call in XXXX of XXXX fax them my bank account proof they said they will correct. 4 month later it 's back on my credit report from a different agency did the same thing now over a year later it 's back on my report this will be the third agency not sure XXXX they do n't notate and they keep selling the account. i currently have XXXX again in florida my account is up to date how can i have a new account if a owed a balance. i would like to get this issue rectified and fixed once for all Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 2023-10-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit 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 2022-05-20
Company: EQUIFAX, INC.
State: TX
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 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX. 
CREDITOR : XXXX XXXX XXXX DATE ASSIGNED : XXXXXXXX XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX, 2017 ( XXXX EDT ) : Equifax is not accepting credit freeze requests, online or by telephone. Online you get an error message ( System Currently Unavailable ) and you are told the same thing by telephone after working your way through their voicemail tree and entering identifying information ( SSN, ZIP Code, DOB ) using a telephone keypad.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-09-08
Company: EQUIFAX, 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:
Equifax is governed by 15 USC 1681. After providing my vital information Equifax disregards my protected rights under 15 USC 1681 and continues to violate my rights over and over. According to the FCRA AKA 15 USC 1681. I never authorized Equifax to report such item ( s ) /Account ( s ) to my credit report. I demand the account ( s ) listed herein be REMOVED/DELETED from my credit report. 


Under 15 USC 1681 I have a right to privacy which have been violated several times and for the record Equifax or its agents never had my consent/permission to furnish such account ( s ). 


Regarding this matter since Equifax continues to violate my rights, please provide a statement signed under penalty of perjury of the account ( s ) mentioned herein as being VERIFIED and explain how it was VERIFIED if so due to Equifax inaccurate/false reporting. Please attach if any an authentic signed contract whereas i gave Equifax permission to report this account ( s ) mentioned herein as it will be used for my own and a judges ' inspection if this matter escalates to trail to contest these matters. 


XXXXDEPT OF ED ( XXXX  XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted each credit bureau repeatedly the past year ( XXXX, XXXX, and Equifax ) regarding a name associated with my information that needs to be removed, as well as an address in Wisconsin. 

This name and address has not been separated from my own file, and I am still being harassed over an owed amount this individual is responsible for. I want any information associated to be be removed from mine, as I have already spent an unacceptable amount of time refuting a collection claim, just to have it return again this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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: Information belongs to someone else

Complaint:
Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
After the investigation, they say some accounts come back verified. I want to know how they came to this conclusion

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 2022-09-08
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
DISCOVER BANK - This account has been paid off and the company either has no record of my account or does not have the ability to take it off my credit report. I have contacted the company and would like some resolution. I do not want this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: CNG FINANCIAL CORPORATION
State: GA
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 've been calling for the last couple of months in regards to the XXXX  breach. I 've been calling last week to no availability in regards to the XXXX  breach. I 've been disputing for months about these collections and inquiries. I have sent dispute letters along with updating my address and employer. I asked for validation from creditors they sent copies of a bill with a totally different social security number. XXXX XXXX XXXX is one of them. I have called several times they have the last 4 of the ssn as XXXX where else mine is XXXX. I have several unauthorized inquires from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. Charged off accounts that I have already paid the beginning of this year and have asked to be deleted since I have paid them that are still showing up negatively on my credit report. I have paid my XXXX  medical bill for XXXX, XXXX XXXX credit card that was sent to XXXX XXXX, my XXXX XXXX credit card, XXXX ( XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX. I have accounts that I have disputed several times on all credit reports along with the social security number XXXX that is not mine along with accounts that I was n't aware I owed XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have sent validation letters to all 5 companies needing proof that these debts are mine. I have yet to hear anything back I 've also sent this in the beginning of the year. I demanded to see verifiable proof with my signature on file for those accounts. Under the FCRA unverified accounts must be removed if unable to provide me with an copy. I have n't received a copy yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: AFNI INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed this with AFNI twice and two other companies in the past. This is an incorrect charge and I have made payments to clear the old balance from XX/XX/XXXX. The original balance when the account was closed was {$410.00} on XX/XX/XXXX. I made payments to pay it off to the actual account owner XXXX. They came back in XX/XX/XXXX charging new charges and an account acceleration fee after the account had been closed for almost 3 months. I had the account for 6 years in good standing and I had made the contract dates and I was not under any contract when I closed the account. The account was closed in XX/XX/XXXX and a bill from XX/XX/XXXX with new charges after account had been closed for three months is fraud, which was sent to me. Because, I have had this removed several times since the beginning of XX/XX/XXXX,  XXXX keeps changing collections companies and tries to go after me for new amounts and new starting and ending dates, which is also against the law.

Company response to consumer: Closed with explanation