BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: KY
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:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX continues to report to my file. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, genera reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They did not do this. 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the last reported date is inaccurate. This is grounds for removal. 

They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I went to purchase a couch and they offered 12 months no interest. They could not not offer me credit because i did not have a cell phone. That is discriminating.

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 2022-11-29
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2021 I made purchases on my Comenity Bank card at XXXX XXXX XXXX XXXX. In XXXX I realized that I never received a statement. Not paper nor email. I called them and paid the full amount of XXXX $ on XX/XX/XXXX. End of XXXX I called them to cancel the card since I was upset they fail to send me statements.Over the phone they advised me that I have another XXXX $ in late fees for which again I was NOT notified. I paid the full amount. Confirmation number for the card cancellation was XXXX. The card was yet never cancelled by them. The same week my credit score dropped from XXXX to XXXX. Comenity had reported me as over XXXX delinquent. Although I paid the pull amount in XXXX they have charged me XXXX $ late fee AFTER I had paid the pull amount. Those XXXX $ had accumulated to XXXX $ and they reported me delinquent. In XXXX I called them trying to dispute. Although they admit it was wrong and they reimbursed me the XXXX $ ( confirmation XXXX ) they say that once reported they can not unreport the late payment. 
I have tried reporting with all three bureaus but nobody can amend Comenitys initial fraudulent charge. I have not changed my email or address in the last XXXX years. And although I complained in XXXX that I no longer receive statements, they failed to notify me of any late charges. I believe Comenity bank knowing charges their customers fraudulent charges and fails to notify them in order to collect fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: MO
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 companies listed numerically below are violating my rights. 

XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXXXXXX Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX  Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX XXXX Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX XXXX  Account # XXXX 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
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 a victim of identity theft. The following personal information on my credit fi le is not correct : name : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 
Date of birth XX/XX/XXXX I am a victim of identify theft My date of birth is XX/XX/XXXX I am a victim of identity theft This is not my name my name is XXXX XXXX XXXX Phone number XXXX I am a victim of identity theft.This is not my phone number Address XXXX XXXX XXXXXXXX XXXX, I am a victim of identity theft I have never lived at this address XXXX XXXX XXXX XXXX, I am a victim of identity theft I have never lived at this address XXXX XXXX XXXXXXXX XXXX 
I am a victim of identity theft I have never lived at this address The following accounts are not my accounts : XXXXXXXX XXXX XXXXXXXX, I am a victim of identity theft this is not my account XXXX XXXX XXXX XXXXXXXX, I am a victim of identity theft this is not my account XXXX XXXX  XXXX, I am a victim of identity theft this is not my account XXXX XXXX XXXX. 
I am a victim of identity theft this is not my 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 2023-06-24
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: Information belongs to someone else

Complaint:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
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: 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, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX : # 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 explanation
Consumer complaint received 2019-09-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am writing to today to bring to your attention a recurring problem that I experienced with Chase bank. 
On XX/XX/XXXX my account showed that at XXXX XXXX an automatic payment was processed for XXXX , which left my account with XXXX $ later at XXXX XXXX an automatic payment was sent to XXXX for XXXX $ which left my account overdrawn at XXXX . the next day I was charged with an overdraft fee of XXXX $ for each transaction, arguing that the XXXX came first, causing my account to overdrawn and that any transaction performed following this transaction would be charged XXXX $ for each.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX and XXXX XXXX refuse to close my CC account. I have asked them to close it 71 times but it stays open and reports on my credit bureau as open causing my bank to keep asking why the account remains open. My credit card agreement says I can close at anytime but HSBC refuses. This is causing problems for me. I have asked them to call me hundreds of times but they wont. HSBC call center says they can not close the account and it could take years. HSBC told me to drive 280 miles to the nearest HSBC branch and close it and thats the only way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
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:
student loan is more than 10 years old im attempting to purchase a home and this loan reporting is making my debt to income ratio high.

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 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
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 non-monetary relief
Consumer complaint received 2017-12-17
Company: EQUIFAX, 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:
There are some inaccurate things that are reporting on my credit report.Some of has been moved from one credit report because of inaccuracies, but still remain on others. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I dont owe XXXX XXXX  {$170.00}, my insurance paid for everything. Therefore, I suggest you that you stop harrasing me. If you have any questions contact my health insurance. On the other hand, also XXXX XXXX  broke the contract with me and my insurance. Furthermore, I dont have any responsibility with Credit Collection Services.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: JPMORGAN CHASE & CO.
State: NY
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:
2 fraudulent cards where opened in my name. One is a chase business card and the other is a XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: Southern Management Systems Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My debt was given to Southern Management Systems to collect for a debt from XXXX ( appeared on my credit in XXXX ). I never received any written communication stating my right to dispute. I never so much as got a phone call. The first time I learned about the debt was when I applied for an auto loan ( in XXXX ). I had to call them to receive any sort of information regarding my debt. Keep in mind that this debt was for a college housing lease, not a credit card or anything like that. When I finally spoke to someone, the guy that I spoke with said I could pay the debt in one lump sum or get lost. He was rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
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 been contacted XXXX XXXX 's credit card bank for months. I was finally refunded for the purchase that was sent to me in error from XXXX as well as all the late fees and shipping charges. However this institution has been reporting me as past due for three months now. I want this corrected and deleted from the credit profiles. Comenity bank has not replied or correct this reporting, When you call you can only speak with offshore contractors. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I opened a store card with synchrony bank ( XXXX XXXX ) in XX/XX/2019. 
My card was approved. 
On my XX/XX/2019 statement I noticed a {$49.00} additional charge for a service that I did authorize. 

Synchrony bank falsely applied a card security fee without my authorization in violation consumer laws.

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 2020-12-05
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:
There has been a breach in my personal information in the world wide web causing thataccounts be opened with out my consent, these fraudulent accounts needs to be removedfrom my file immediately, I have already contact the creditor and they ask me to fill out anFTC report which is attached.

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 2022-12-07
Company: EQUIFAX, INC.
State: OH
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Credit Bureau Data, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I noticed that this account its in my credit report, I try to dispute with XXXX, when I deputed it came back as verified. They didnt provide any of the following. 

1.I need the audit trial of the balance.

2. Also I need them to provide me with the agreement that grants them to collect this allege debt.

3Also provide with the master bill of sale

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: TRANSWORLD SYSTEMS INC
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. Previous to XX/XX/2019 reported the issue of the incorrect line item to all 3 credit bureaus and the credit bureaus reported that the line item was Resolved by Data Furnisher. 

2. On XX/XX/2019 wrote to the Data Furnisher of the line item requesting validation of the debt. The Data Furnisher has a different address for each of the three credit bureaus. Having 3 different address appears to be an attempt to confuse the consumer and cause diversion. I sent a certified letter requiring a signature to all three addresses listed on the 3 credit bureau reports. 

3. On XX/XX/2019 wrote to all three credit bureaus to address the concern again and provided the collection of documentation to include : previous letters sent and copies of the certified mail certificate requiring a signature ( one of the three was returned as undeliverable ). It has now been 120 days and I have not heard back from the Data Furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: SUNCOAST CREDIT UNION
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:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
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: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XXXX XXXX Balance : {$6000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief