BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: EQUIFAX, 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, 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian 1. has my address listed multiple time XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX several times and Experian has my name wrong. These Inaccuracies must be deleted. 
2. XXXX XXXX account never late and is current. Stop reporting old information 3. XXXX can not be late because its in deferment due to pandemic. It's been that way since the pandemic. 
4. XXXX XXXX XXXX XXXX Can not be 5 times late because it was paid by settlement. XXXX dba XXXX XXXX XXXX XXXX is paid. 
All the accounts above bring a negative ouoom on how creditors see me and the refusal of updating is a blatant discriminatory act seeing from a person of XXXX really stains opportunities to grow and increase chances of getting credit in the future or financial help.

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 2023-06-20
Company: EQUIFAX, INC.
State: NV
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 have attached an FTC report with a fraudulent account and fraudulent unauthorized inquires

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: Experian Information Solutions 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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2017-12-13
Company: Bread Financial Holdings, Inc.
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XXXX/XXXX/XXXX I purchased an engagement ring at XXXX XXXX for the amount of XXXX and made a down payment of {$600.00}. I opened up a store credit card on that day and it was zero interest. Then on XXXX/XXXX/XXXX I purchased the matching wedding band for the amount of XXXX again I used the store credit. I asked the salesman who happened to be the manager of I needed to make a down payment. He replied " No you do n't because you made a down payment on the ring you had purchased earlier '' he also informed me that I would not be charged interest and that this ring was part of the promotional plan. 
Anyways a few months go by and I check my statement online this was sometime in XXXX. I make an account on XXXX Banks website. The people who financed my purchases and I notice I am being charged interest on the last purchase I had made. I called Comenity bank and filed a dispute through them. A few weeks later I notice I was charged interest again. So I called and filed another dispute this time I was on the phone much longer and the representative seemed a lot more helpful and informed me that I should see something in the mail in a month or so. On XXXX XXXX I recived a letter in the mail stating that they are not going to make any changes to me bing charged interest since it has been 60 days since I made the purchase. 

I called Comenity bank XXXX/XXXX/XXXX and asked why they would n't make any changes I was then informed that they supposedly sent me a letter saying they would n't be charging me interest if I could provide a receipt showing I made a 20 % down payment on the last purchase I had made. I explained that when I made the purchase the XXXX at XXXX 's told me I did not have to put anything down since I had made an earlier purchase and that I was not going to be charged interest on this purchase. Anyways long story short Comenity Bank refused to help me or make any changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents 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 non-monetary relief
Consumer complaint received 2020-04-21
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
As of my statement dated XX/XX/2020 on my citibank double cash back card I had a balance of {$230.00}. This statement explicitly stated I had " Your Cash Rewards : {$200.00} '' ; this balance is what I have accumulated over the years in their " Double Cash Back '' program. This statement stated I had until XX/XX/2020 to make payment. I redeemed the entire " Cash Rewards '' balance of {$200.00} on XX/XX/2020, in addition I sent a payment of {$30.00} on XX/XX/2020 for a grand total of {$230.00}. I then waited for my next statement to generate as my current statement I believed to be paid in full. On XX/XX/2020 I logged into my account online to see what the damage was for the month when a notification popped up telling me I was delinquent and I need to make payment immediately. As a result I scheduled another payment and performed some investigation as I thought I may have scheduled payment for the wrong date or for another account thinking it was this account. I then found out my payments were on time and exceeded the balance of my XXXX statement of {$230.00} as my cash back redemption combined with payment was {$230.00}. With this information I immediately called Citibank to remove a {$29.00} late charge because my balance was paid in full and before the due date. I then was told by the customer service representative " The minimum payment due was {$35.00} and you paid {$30.00}. ". I then replied I redeemed my CASH REWARDS balance coupled with my payment of {$30.00} exceeded the total balance of {$230.00}. The representative then told me " Redemption 's to your statement are treated as a credit and not cash. '' I then replied your signage advertise 's the card as " DOUBLE CASH BACK '', the statement generated says " CASH REWARDS '' therefore when I redeem the value I have earned it should be treated as CASH ; otherwise the card name needs to change as well as the statement wording. I was then told " It was redeemed to your statement therefore it was treated as credit not cash and since you paid {$30.00} and the minimum due was {$35.00} you were late and the {$29.00} late fee was added to your account '' I told the representative you can either remove the unfair late fee of {$29.00} or close the account and the representative closed the account. 

My contention is the card is advertised as being " CASH BACK '' and the statement lists the amount as " CASH REWARDS '' therefore it should be treated as a CASH payment. It is my believe the {$29.00} late fee is unfair and recorded in error since my entire XXXX balance was paid in full with my CASH payment of {$30.00} coupled with my CASH REWARDS of {$200.00}.

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 2020-07-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I went to a trade show in XXXX in XXXX of XXXX and found a great deal on a bed my wife and I wanted to buy. The company was Mattress Firm. I was told that it would be shipped to my house in 14 days. They said I would be receiving free sheets, pillows, and pillow cases for my purchase. They also said I could cancel any time. So, my wife and I really wanted this bed, so we sign up to buy it. 30 days goes by and nothing. Then I get a phone call stating that my mattress was going to be delivered. They said it took so long because I was in a rule part of California. ( XXXX ). I told them that I wanted to cancel the order. They said, " OK. '' The next day, the mattress company calls me and says that they are going to deliver the mattress. I told them that I cancelled the order the day before and I did not want them to deliver the mattress. They said again, " OK. '' Then I started to get billed from Syncb/XXXX  ( Synchrony Bank ),  not for the mattress, but for the linens. I did not receive anything. So, my next step was to call Synchrony Bank and get this fixed. I called them and told them what happened. They agreed that I should not have to pay the {$540.00} dollars that was getting billed to me. So, they cancelled the charge and closed my account with Synchrony Bank. 

Low and behold, I see my credit score and start freaking out. XXXX says that my credit score is XXXX. I check to see why because if you look at everything on my report, I am an outstanding citizen when it comes to paying my bills. The report says I have 8 on time payments and 2 missed payments from Syncb/XXXX  ( Synchrony Bank ). I did not make any payments to Synchrony Bank, let alone 8 to go along with 2 missed payments. I want these flagellant accusations abolished from my report so that I can by a home for my family. I am going to take all the steps possible to do so. Thank you for your time.

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 2023-06-20
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: Information belongs to someone else

Complaint:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25
Company: ENCORE CAPITAL GROUP 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:
Midland Funding is reporting that I owe {$1800.00} on an account number - XXXX. 
MIdland Funding is reporting that I owe {$1100.00} on an account number - XXXX. 
Midland Funding is reporting that owe {$770.00} on an account number- XXXX. 

I do NOT know who this company is. I have NEVER done any business with this company. I NEVER signed a contract with this company for anything. I have never given permission verbally or in writing to anyone to pass my information to this 3rd party that I never heard of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
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: Was not notified of investigation status or results

Complaint:
XXXX and transunion refuses to removed this XXXX  XXXX from my credit report after I have repeatedly requested it to be. It is not my XXXX  XXXX XXXX. XXXX says they use XXXX XXXX  to verify information and I have a document from that company stating they were unable to verify the information and it has since been removed from my record and I want XXXX and transunion to follow suit

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 2020-11-09
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company is reporting three unknown accounts on my credit report. This is an unfair practice of this company. I have called them several times and they claim they can not find these accounts with my social security number. How is it possible when they are reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 was advised to complete a student loan rehabilitation program in XX/XX/XXXX by the U. S. Department of Education. I entered the program in XX/XX/XXXX. However, negative credit reporting was filed every month of my enrollment from XXXX XXXX. I was released from the rehabilitation program in XX/XX/XXXX, and entered a loan deferment status in XX/XX/XXXX due to my enrollment at the University XXXX XXXX XXXX  at XXXX. 

After noticing the negative credit reporting I have attempted to contact the loan provider, U. S. Department of education, and have filed several complaints to have the account to reflect the appropriate status for someone who was enrolled in loan rehabilitation due to missed payments prior to XX/XX/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 2017-12-13
Company: STATE FARM BANK, FSB
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
We have had so many problems over the past 3 years with XXXX XXXX XXXX XXXX and our rep was never available. It amazed us when out of no where our rep XXXX XXXX shows up to try to refinance our cars. My husband did his and told him he would have to talk to me because our loans are separate and that honestly I did not want to work with him. For days he emailed me and harassed me at my job. When he offered me a loan I could not refuse knocking a year off my loan at the same rate I agreed to meet with him but told him only if I could see the paperwork. When he arrived, he provided not paperwork. He told me he just needed my signature and my bank information and I was " all set. '' When my payment did n't come out I was concerned. Then my husband started getting calls on my car loan I had it and called to file a complaint. When state farm bank called me back I learned not only was my payment higher than agreed I learned my husband was on my loan. I never did an application, at no time was I asked for a co-signer, it was all very odd and rushed. My husbands credit has now taken a hit due to two car loans and we were trying to buy a house soon. Even State Farm Bank admits that some very unethical things transpired but they are not offering to fix it. If I needed a cosigner my mother would have done it for the right refinance and rate. I still do n't have paperwork on my refinance or what fees I was charged. I never did an application or signed to have my credit pulled. How can this happen. My husband swears he only signed for his loan ( or so he thought ). Very unethical practices all for a little commission. I have hired a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
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: Account information incorrect

Complaint:
I noticed late in XX/XX/XXXX that XXXX XXXX has reported inaccurate information on my credit reports. My credit reports shows that i have been late a total of 13 times and that's not accurate. I contacted XXXX XXXX several times to resolve the issue. They informed me that I was only penalized four late payments since the credit card was established. Out of the four, two of those late fees were disputed and refunded to me, and that information is Highlighted on the statement summaries attached to this complaint. On XX/XX/XXXX, I had a late fee which was Adjusted after I called XXXX XXXX to dispute that it was an error on their end which they agreed to. The adjustment can be seen on my XX/XX/XXXX statement summary. 
On XX/XX/XXXX, I had another late fee of {$35.00} and it was also refunded and can be seen on the XX/XX/XXXX statement summary. I reached out to XXXX XXXX to inform them that XXXX has 13 late payments on my report and they told me it has nothing to do with them because their system doesnt show 13. I was advised to contact XXXX and have them correct my report. I filed two disputes through XXXX to have the report corrected and XXXX XXXX failed to reply to the them in time. I filed another this dispute with XXXX on XX/XX/XXXX and never received a response from XXXX XXXX. It is absolutely absurd that XXXX XXXX refuses to correct my reports. How can they report me for 13 late payments when i was only late and penalized 4 times?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
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:
I DID NOT AUTHORIZE ANYONE TO USE MY NAME OR PERSONAL INFORMATION TO SEEK THE MONEY, CREDIT OR LOANS DESCIBED IN THIS REPORT. I'VE CONTACTED THE BUREAUS AND CREDITORS REGARDING THESE FRAUDULENT ACCOUNTS OPENED IN MY NAME USING AN ADDRESS THAT I DO NOT RESIDE, XXXX XXXX XXXX, XXXX XXXX CA, XXXX. THESE ACCOUNTS STILL APPEAR ON MY CREDIT FILE AND NEED TO BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX, while I was out XXXX shopping, Capital One chose to send multiple texts to my phone verifying if I was the person attempting to make a purchase. Even though I verified, with the phone number that they have on record, they have flagged both my Visa and Mastercard accounts for fraud and demanded that I send them a copy of my actual social security card, which for my protection I am not comfortable with especially since I've received notifications from them before that my information previously provided to them has been possibly compromised. Capital One has also blocked my access to log into their app to make payments on my account, which is how I'd always made my previous payments up to that time, all well before the due date. The representative that I spoke to falsely advise me that I could pay by phone through an automated system and I was advised that I would get my statement in the mail which I haven't. However, Capital One does manage to consistently send me notifications that my bill is due through email with links to pay which do not worked because they have me locked out of my account. For the Mastercard account I do receive an email the day before the due date of the account which has a direct payment link, so I have been able to keep the payments up to date for that particular account. Capital One is, however, not sending me the same option to pay for the Visa account. They've also stated that they are sending me a paper statement which is untrue, they are sending statements to my email address. ( please see attachment ) This account has now become grossly past due and is reflecting badly on my credit report. I've contacted the XXXX XXXX XXXX   and Capital One sent a response that I was able to pay by phone. When I called today, XX/XX/20, at XXXX, I was refused service through the automated system by their representative. I've advised them that for identity protection purposes I will also not be providing my bank account information to a person. At this point I don't even want their cards anymore, I just want to be allowed the opportunity to have my credit report corrected and access to make payment online or by phone through the automated system, or, if they truly believe it as a fraudulent account, have them cease reporting it to the credit bureaus as an account that I am responsible for as it has caused a sharp decline in my credit score.

Company response to consumer: Closed with explanation