BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights. 


- 15 U.S.C 1681 section 602A section 2 : states I have a right to privacy.

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

- 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 of 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 1681 s-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 reasonanble cause to believe that the information is inaccurate. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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:
My credit is taking a hit due to the negligence of this company and I need it off my credit report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2021 someone opened a fraudulent store credit card at the XXXX XXXX  store in XXXX, CA serviced by Comenity Bank, an charged {$8300.00} on it in store goods. 
I found out about it only because I monitor my credit reports and I saw a credit inquiry that came in from Comenity. 
I reported to Comenity Bank immediately as soon as I found out, on XX/XX/XXXX. 
I also filed an identity theft report with the government. 
Comenity Bank promised to investigate. However, they sent me a letter mid XXXX, advising I'm responsible for these charges. Since then, they started charging late fees on the amount. 
I placed another call on XX/XX/XXXX to Comenity fraud protection asking to escalate and reinvestigate the case. 
At the same time, I found multitudes of customers online complaining about their problems due to Comenity Bank 's unsatisfactory safety practices resulting in multiple fraud cases with their store cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: FL
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:
-- This complaint is made by the consumer and NOT by a third party. 
-- 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER REPORT - ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization XXXX be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 
- ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

-- They do not have my permission to report on my consumer credit report. 
-- I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine. [ 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) - Civil liability for willful noncompliance ] -- letters have been sent certified mail and return receipts have been received by me.

[ 15 U.S. Code 1681c ( a ) ( b ) ( 5 ) - Requirements relating to information contained in consumer reports ] [ 15 U.S. Code 1681s2 - ( a ) ( 1 ) ( A ) ] [ 15 U.S. Code 1681 ( a ) ( 4 ) ] -- These following unauthorized inquires are fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report these inquiries on my consumer report and I demand them to be removed : - ( XXXX. XXXX XX/XX/XXXX - ( XXXX. XXXX XX/XX/XXXX - ( XXXX. XXXX XX/XX/XXXX - ( XXXX. XXXX XX/XX/XXXX - ( XXXXXXXX XXXX  XX/XX/XXXX - ( XXXX. XXXX XXXX XXXX XX/XX/XXXX - ( XXXX. XXXX XX/XX/XXXX - ( XXXX. XXXX XX/XX/XXXX - ( XXXX. XXXX XX/XX/XXXX - ( XXXX. XXXX XX/XX/XXXX - ( XXXX. XXXX XX/XX/XXXX - ( XXXX. XXXX XX/XX/XXXX - ( XXXX. XXXX XX/XX/XXXX - ( XXXX. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've been damaged due to COVID-19 by loosing my employment and still waiting for Unemployment. I contacted my creditors one being Comenity Bank to inform them and request assistance. I was given a letter stating two months payments would be waived due to the Pandemic and my situation. I thought Comenity Bank was here to help consumers during this pandemic but they have done nothing but hurt my credit. I was informed that two months would be waived along with late fee, although I still made payments and managed to pay off some of my accounts, Comenity Bank reported to the credit reporting agencies XXXX, XXXX and XXXX that the accounts were 2 to 3months late when they had informed me that I didn't have to make any payments for two months and late fees were waived. This reporting has caused more damaged to my credit by having other cards closed and credit limits decreased due to their reporting. It is my understanding that due to the Pandemic ( Cares Act ) creditor are suppose to work with consumers and prevent from damaging their credit and credit reporting agencies should not report anything negative on consumers credit during the Pandemic. Comenity has damaged ones credit but advertise they are here to help consumers.. 

Negative information has been reported to my XXXX XXXX XXXX XXXX XXXX all have caused damaged to my credit. I have never had any late payment history until now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: AMERICAN EXPRESS COMPANY
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 XXXX  account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 33 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: EQUIFAX, INC.
State: RI
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: Other problem getting your report or credit score

Complaint:
I am unable to access my Equifax report, through Equifax directly or any other third party, it states error. This has happened to me numerous times. I believe I have what is a split file with equifax. I have contacted them on several occasions and they claim I have to pay for my report to be fixed which is a lie. They are extremely hard to understand and it has happened several times. Now i am unable to get a mortgage because I have no report or score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 am writing to dispute the payment history information that appears on my credit report from XXXX XXXX XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ) XXXX5 USC 1681a ( 2 ) under Exclusions, report containing information solely as to the transactions or experiences between the consumer and the person making the report ; I have reviewed my credit report and found the payment history information and account balance should be excluded from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Bank of America will not allow me to set a pin to my card. They have no record of my social. In order to set a pin they need to correct the last XXXX of my social to 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 2021-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I deposited a money order for {$2400.00} and a check for {$11.00} through the Capital One Mobile App into my 360 account ending in XXXX. The following day I was notified that a hold on the funds were due to be released XX/XX/2021. Later that day I was notified by email that my account was restricted preventing me from logging into my account and call the number XXXX. I called the number to inquire to why my account was restricted and was told because of the money order {$2400.00}. The agent asked why the money order was deposited and who sent me the money order. I have had the account for 2 years and never been asked such questions. The agent asked me if I could give her the number to the person who sent me the money order. I gave her the name and phone number and she called to verify information. I have called everyday about my account and my funds being held hostage and no answers. I called the company who issued the money and was told Capital One cashed the money order on XX/XX/2021. Today is XX/XX/2021 and 2 days past the hold date. I have filed a complaint via XXXX, sent a email complaint to Capital One. I need answers and I need my money. No transaction has been suspicious or fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
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 value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2021-07-13
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have debt on a Synchrony Bank credit account. It has gone to collections, and I have been paying the debt to XXXX XXXX XXXX, XXXX since XX/XX/2020. Another collection agency, XXXX XXXX XXXX has contacted me sporadically over the past year to try to collect the same debt. I have tried to contact them but they never answer or return messages or emails. Now, XXXX XXXX XXXX has hired an attorney ( XXXX XXXX XXXX XXXX XXXX ) to sue me over this debt. The law firm has not returned my call either. I have record of trying to contact them both. XXXX XXXX XXXX also didnt start to send me letters until after I started the pay plan with XXXX XXXX XXXX, XXXX. Attached files show the collector I am paying, and the LAST contact from XXXX XXXX XXXX and the date of that, as well as their attorneys letter and the date

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 2020-11-27
Company: EQUIFAX, INC.
State: DC
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:
My identity has been compromised from a numerous amount of sources after my id was lost / stolen. I been a victim of the dark web and of the Equifax breach, all this has lead to unauthorized and unknown accounts that has caused my credit file to a ruin. I have demand a Method of Verification inwhich gives the credit reporting agencies the authority to report such findings. I'm now demanding that the inquirys associated with these accounts be removed and blocked from my credit files. Any inquiries made prior to today XXXX, XX/XX/2020 we done fraudulently and or in association with this breach. All inquiries performed by me and credit profile concerns are Handled through XXXX XXXX and most recently XXXX XXXX 

Furthermore the below reference account has not been removed from my XXXX  profile though it has been removed and blocked from my credit profile by both transunion and Equifax. However XXXX  fails to comply and remove the account. 

Collection account : XXXX XXXX XXXX {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$850.00} XXXX XXXX XXXX XXXX XXXX  {$210.00} XXXX XXXX XXXX XXXX XXXX  {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 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 2023-05-25
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello. My credit report is showing a debt collection from a company showing as XXXX XXXX XXXX with originating creditor as XXXX XXXX. I have never opened up such account and would like to file a complaint about this. I don't know if this is the result of identity theft or some other error. Please assist. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received notification on my XXXX  and XXXX that my score decreased due to capital one reporting 2 missed payments for XXXX and XXXX. Due to death in my family ... I missed XXXX. I have since caught up and paid this account in full as of today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28
Company: Conn's, Inc.
State: TX
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:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


Company name : CONN CREDIT CORP Account Nuumber : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: FIRST ADVANTAGE CORPORATION
State: OH
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: Public record information inaccurate

Complaint:
The company has reported wrong information an employer causing me to get fired. I have started a dispute with the company that has well surpassed 30 days allowed for this. I have serious question as to the competence of this company to be doing this job as I had a representative become argumentative with me stating he was certain I lived at a downtown address, the address of the XXXX XXXX XXXX is where he argued that I live. I've never lived downtown, let alone the jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Experian Information Solutions 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:
I have 5 missed/late payments on my student loans which is inaccurate! I have been deferring my loans every year on time since I have been out of school. I should not have any late payments at all. There is also some information that is reporting different on the different credit bureaus. My accounts are incorrect and reporting differently which is confusing and misleading

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