BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a store credit card with both XXXX XXXX XXXX XXXX which is handed by Comenity Bank. They supposedly did a system update on their web site about a month or so ago XXXX 2022, which I was not able to even access my account during that time. I called the customer service number provided and all it is was a recording saying to to call back at a later time and then it would hang up. I tried several more times for days after, and always got the same recording and hang up. In the meantime, I got a email saying my automatic payment information is no longer valid and my banking information needs to be updated, so automatic payments can not be processed, even though none of my banking information has changed. I went to the web site for both cards and updated it, even though nothing had changed, and it still did not accept my payment. After over an hour of messing around on their web page, I was able to get my XXXX payment to go through. I went to both pages, re-signed up for automatic payments, and waited to see if my Women Within account would be paid on XX/XX/XXXX, and it was not. I tried to manually pay, and it said it went through, but there is no refection of that on my account. Last month, XX/XX/2022, I had to manually pay, which also took four days to achieve, and they charged me a late fee, even though it was an issue with their web site and I tried everything in my power to make my payment. It was due XX/XX/XXXX and I was not able to get the payment to work until XX/XX/XXXX. I have tried to contact them via their web site and all it is as an automated response. I called the phone number, several times again, and it now says I am " not the authorized account holder '' and will not allow me to even find out my balance online. I am not sure how they can determine if I am the authorized account holder when all I did was enter my account number. I did send a message to the Comenity Bank XXXX page, but have not had a response yet. The XXXX page is the only place they have had anyone from that company respond to the numerous complaints about their service on their posts. I do not want their incompetence and lack of customer service effect my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: JPMORGAN CHASE & CO.
State: PA
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:
XX/XX/XXXX signed up for a Chase Freedom XXXX card with a promotion of XXXX ( total of XXXX ) points per dollar on grocery spending for 12 months. Worked fine until XX/XX/XXXX then stopped crediting properly. 
In late XXXX I contacted Customer Service and was told all is fine. In XXXX I contacted again and in XXXX I got a letter stating my purchases don't qualify as they are not XXXX or XXXX purchases which is a separate quarterly promotion the card had. 
XX/XX/XXXX I contacted the XXXX XXXX and representative XXXX told all is fine and points will be credited within a few cycles. Didn't happen. 
XX/XX/XXXX I used Chase 's XXXX XXXX system to request a detailed report of all XXXX earning for this card. Went back and forth with reps who weren't reading my request to be told by one that they don't have access to that information and only I can view the past 3 months worth online. 
XX/XX/XXXX I contacted the Executive Offices again providing a detailed spreadsheet of each transaction on the card with missing points earning and where the bonus would be coming from. 
Heard back on XX/XX/XXXX from representative XXXX leaves voicemail confirming receipt and opening a review. 
On XX/XX/XXXX, XXXX & XX/XX/XXXX I called representative XXXX leaving voicemail requesting update. No responses received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have asked American Express to stop calling me numerous times and in written form. A legal group called XXXX and XXXX is suing me on their behalf. I have asked American Express 's legal representation to stop the calls but they continue to call me almost every day and claim that it must be about something else. They do not leave a message or provide any contact details. They just call and call and call. I am getting numerous settlement offers from American Express via mail and email but their lawyers claim they don't know about them. This is a huge and frustrating mess and I just wish they would stop calling me and harassing me every day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I opened an account with XXXX on XX/XX/XXXX and the account was charged off several years ago, the account has since shown up on my credit and the debt company is trying to recollect funds and showing this a charge off in XX/XX/XXXX. I have not had any contact, signed or borrowed anything from XXXX since at least XX/XX/XXXX at best guess making this account at least 17 years past charge off! This needs to be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
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 is missing that should be on the report

Complaint:
Experian XXXX XXXX , XXXX, neglected to show my Auto Loan History. I need to buy a Car.

Experian removed all my previous 3 Auto Loan Payoffs causing negative responses from Lenders.

Several Dealerships say that Experian removed my payment history. The report indicated I dont have Auto Loan History and falsely classified me as a First Time Buyer.

Good Auto Loan Payoffs should be Required By Law to remain on my Payment History so this information can be used to buy a car.

I am requesting that my Auto Payoffs be reflected on 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 explanation
Consumer complaint received 2018-08-04
Company: EQUIFAX, INC.
State: MS
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:
In a recent dispute, the results came back verified. What was your method of verification? 


1. I cant imagine what legal precedence you have that would allow you to report [ XXXX # XXXX US BKPT CT XXXX XXXX ]. I called the court and was literally told that they dont verify, validate, furnish, produce, etc., any public record info with you guys. Technically, theyre the original creditors you need firsthand knowledge! 

Delete it and send me a new report. 

2. Can you please explain to me why they are reporting that I have a balance. From what I understand, they write off a portion on their taxes and get paid by their insurance, so why would I pay this too? So they get double paid? 
[ XXXX XXXX Acct no. XXXX ] [ XXXX Acct no. XXXX ] Delete this immediately. 

3. Arent you supposed to have copies of my signed documents in a file there? Well considering that I dont know [ XXXX XXXX acct # XXXX. I need you to send it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account should have been closed and charged off in my bankruptcy back in XXXX. This is still showing a charge off for XXXX on my current 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 non-monetary relief
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX BANK OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXXXXXX XXXX XXXX OPENED XXXX XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX ( Bank XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( OPENED ) XX/XX/XXXXXXXX XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX  OPENED XX/XX/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 an account without my written instructions.

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 2017-09-08
Company: EQUIFAX, INC.
State: MA
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:
According to equifaxsecurity2017.com, my personal information, potentially including name, birth date, address, driver 's license number, social security number, and credit card numbers, were publically disseminated by Equifax due to their extreme negligence. It is egregious that they did not take even the simplest security precautions to protect my information. This happened as early as XXXX and I was not notified until XXXX. Everything about this situation is entirely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: TN
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:
Hey, My name is XXXX XXXX XXXX. I have a huge problem that I am hoping you can help me solve. I have disputed with the credit bureaus and the collection agencies and creditors multiple times because they are reporting negative inaccurate information on my credit report. They are refusing to remove this information even though I have shown valid proof that it is not 100 accurate according to the FCRA.

Please remove these accounts from my credit profile because they are not 100 accurate and it is causing me a great deal of harm.

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 2017-09-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I learned today that Equifax was responsible for leaking my information to parties that were not given consent to have that information. This information includes my name, address, date of birth, social security number, and everything else needed to make charges on my accounts, open new accounts, or to steal my identity. When using their tool to find out whether my information could be compromised, they tried to make me sign away my ability sue them either individually or in a class action lawsuit in order to ascertain whether MY information was compromised. I view all of the above, and especially the latter, to be egregious in nature, especially since they knew my information was at risk for the last three months and only just released this information to the public recently, and made sure to cover themselves before their responsibility to those who they serve.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
In short - Equifax was hacked, and as a result my personal information is likely stolen. 
as suggested, i went to https : XXXX, and entered my personal information. the response was " Based on the information provided, we believe that your personal information may have been impacted by this incident ''. 

Equifax failed miserably at its job to protect my very personal information and as a result, i 'm not the potential target of identify theft ( assuming that did n't already happen ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Please remove this account from my credit report as it is fraudulent and not associated with me. I request that you take immediate action to investigate this matter and remove any other inaccuracies 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 non-monetary relief
Consumer complaint received 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 constantly monitor my credit scores and reports with all three credit bureaus and I noticed that Transunion credit bureau consistently had me at a drastically lower credit score compared to the other two credit bureaus which I am sure hurts my credit.

When I repeatedly attempted to log into the Transunion credit bureau website it wouldn't let me log in and kept saying that the site was down, after a week of calling the Transunion help/support toll free number trying to get help to log in, I finally got a Transunion agent that helped me log into the website.

On the website, I logged into my account and looked for anything that would explain my low Transunion credit score and There was nothing there to dispute, meaning there was no information in my Transunion account that could help me understand why my Transunion credit score was so low compared to the other credit bureaus. I spoke to a second Transunion agent who told me that I would have to pay {$9.00} to see my credit report and score ( which the other two credit bureaus provide for free ) and advised me to go to a free annual credit report website to obtain my Transunion credit report and score. 

I followed the agent 's advice and still couldn't get my Transunion credit report and score and the website message said that I would have to contact Transunion.

I believe that Transunion credit bureau is dysfunctional and should be investigated. I believe Transunion credit bureau purposely makes it very difficult to get any information from them and they demand a fee to do so.

The most pernicious point is that their tactics are hurting hardworking U.S. citizens credit.

I demand that Transunion credit bureau should be immediately and thoroughly investigated, punished and made to eliminate their manipulative greedy and harmful tactics.

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 2022-07-12
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made. Return And made a payment After the return went through I shoud have {$20.00} credit balance Now they keep sending me statement and XXXX me for payment I spoke with channel at dispute XXXX XXXX For 2 hour and she check my account activity from XXXX of XXXX  and she found out that I was right she lefts note for a correction Target is a very crock company No one knows anything they have lots of loop holes there is not a one designated department Today XXXX called the corporate office after they waisted my time they couldnt help me Then at XXXX pm XXXX got a phone call from target XXXX she was very rude and was attacking me wouldnt allow me to speak she kept interrupt me cutting me off so I hang up the phone on her Target knows what XXXX doing tgey programmed Their employee to be in helpful all of these attempt is for target to ripoff consumers My issue is not resolved I am barraged Toyed Target is a XXXX XXXX XXXX XXXX company Tgey refuse to fix their problem and want me to pay

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In correspondence dated XXXX XXXX, XXXX, I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. 
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.

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 2017-09-08
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: World Acceptance Corporation
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
World Finance is reporting on my credit as being charged off as well as late payments for 48 months. If an account is charged off then it is considered closed and therefore no late payments should be reported in addition. This account has already been written off and yet the company is still reporting late payments as if the account is still open. While I do understand that some of these late payments are legitimately being reported, any late payments after the account was charged off is fraudulent. An account either needs to be open with late payments being reported or charged off with only late payments prior to charge off date being reported. It can not be reported as both. I have made numerous attempts to resolve this and even offered to pay the account in full if they removed it from my report. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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: Personal information incorrect

Complaint:
After looking at my credit report, there is some inaccurate obscene personal information being reported. Listed below are the problems with my personal data. 

My correct name is : XXXX XXXX. My correct address is : XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, North Carolina XXXX Please delete all other names, as they are inaccurate. Please also delete all other addresses from my credit report as no mail is deliverable to me by the United States Post Office, through these addresses and are therefore not reportable as per the Fair Credit Reporting Act ( FCRA ). All items listed are inaccurate and must be immediately deleted. Once complete please send me a copy of my updated credit report which reflects the deletions I have requested. I expect a response within 30 days. 

Thank You.

Company response to consumer: Closed with explanation