BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My XXXX XXXX credit card was closed out and paid in full on XX/XX/XXXX. Around the end of XX/XX/XXXX I got a call saying I owed {$60.00} in interest to XXXX bank that accrued after I closed out the account. On XX/XX/XXXX I spoke to a supervisor and explained that my account was getting charged after it was already closed out and it was affecting my credit score. He said theres no way it could affect my credit score because the account is closed out but I do owe an interest. So I stated again that I had already closed my account out back in XXXX and paid in full, the supervisor agreed and said that he zeroed out my account and closed it out. About last week I was applying for a home and couldnt get applied for it because my XXXX XXXX credit card from Comenity bank kept having unresolved issues and now has XXXX dollars on it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-04
Company: EQUIFAX, INC.
State: CT
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 States It also states a consumer reporting agency can not furnish an 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Upgrade, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened this account for home XXXXmprovements. I wasn't aware of the difference of how this visa credit card compared to a normal credit card. I later realized this was a credit line draw account. How payments are being applied to the account is confusing as well. I even applied additional payment to see how that would change the balances of the oldest credit draws on the account. 

I went on XXXX XXXX orders XXXX XX/XX/2022. I didn't have time to request SCRA until XX/XX/2022. This is when the account went crazy and nothing makes sense. 
Statements and draws changed over the course of the month. Min payments on the account do not reflect statement minimal due. Account then goes into default I have to call or email about the issue and they change everything again. They stated multiple time when i take a new draw the whole transactions has to be recalculate like the system can't compute the new interest rate. Which the account doesn't reflect the new SCRA rate still says 15.99 %. I was never told of what the actually credit amount was applied to my account. My rewards balance went negative for months and no one was able to correct until recently but still doesn't make sense. If I'm suppose to get 1 % cash back that shouldn't change or decrease when going into SCRA terms. Interest and principal being applied to the account each payment shows how much of the payment is applied to the principal and to interest but I can't access past breakdowns. Resolutions states its on my statement but the numbers do not add up with data from the site and on statements. I also don't believe my balance is accurate per my transactions and payments but with lack of clear data and messy statements and entire transactions being changed on statements. Also when i requested SCRA I received a NON-NEGOTIABLE PROMISSORY NOTE Date : XX/XX/2022 ( " Effective Date '' ) i thought this was weird and unethical after requesting SCRA on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions 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:
Personal Statement Last Name : XXXX Phone : XXXX 15 USC 1681C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFO IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES INFO THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. PLEASE REMOVE THESE ITEMS AS IT IS IN VIOLATION TO MY CONSUMER RIGHTS.

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 2023-05-11
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 status incorrect

Complaint:
This debt was a debt that I did accumulate. However, the account that established the debt was opened XX/XX/XXXX which is now beyond the 10 year mark so the account should be removed from my credit report. I had paid the debt off in full XX/XX/XXXX in order to purchase a house. When this payment occurred, the original account on my credit report was deleted and a new one added as though the account was brand new hence starting over the account history. From a credit report prior to the payment, the account numbers are different than what is displayed on my current credit report further proving the account was opened as a new account with established debt and without my consent. I have documentation from these reports proving the matter is inconsistent with proper credit reporting guidelines/requirements and should be removed as this is a violation of fair credit reporting.

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 2022-12-04
Company: EQUIFAX, INC.
State: IL
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:
Wrong names and addresses on my account. Account showing closed accounts with balances. Reporting collections with past due balances that are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: DISCOVER BANK
State: AZ
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 balance transfer

Complaint:
On XX/XX/22, I noticed a pending balance transfer in the amount of {$1900.00}, which I did not request, nor authorize. This transaction was scheduled to transfer a " portion '' of the current balance on my XXXX XXXX XXXX account to my new Discover Card account. Upon applying for the Discover Card, I specifically requested a " full '' balance transfer in the amount of {$6200.00} so as to fully pay-off my XXXX card XXXX Discover only approved me for {$2000.00}, & took it upon themselves to initiate a " partial '' balance transfer of {$1900.00} with a fee of {$57.00}, without my consent! I immediately began chatting with, and calling numerous Discover agents to resolve the company 's error. First, I applied for a credit limit increase, but was denied, so I explained how I was only interested in completely paying my XXXX balance off, and not wanting to add an additional creditor with another monthly payment to my current situation, and if I couldn't be approved for the full amount that I applied for, then a complete rejection would be in order, because anything less would not be authorized by me. I proceeded to request that the pending transfer be cancelled/disputed, but each Discover agent I spoke with said that the transfer could not be cancelled/disputed while in a " pending '' status, and that I must call back once it's actually posted. Later that evening, the transfer posted, and I resumed chatting and calling the next day, requesting once again that the transfer be cancelled/disputed, just to be misinformed by each agent over a few different days worth of very lengthy chat sessions and phone calls. The final straw for me, was on XX/XX/22 at XXXX pm, when chatting with XXXX in Utah, he told me that " since the creditor received the funds, we aren't able to help dispute the transfer! '' Please review the enclosed supporting documents, as well as the above-mentioned chat sessions in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: IN
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:
My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/XXXX of this year i wrote a letter to XXXX, Experian & XXXX to notify the Elaborate mechanism that they are indeed Reporting fraudulent & Incorrect information & A Fraudulent Account : XXXX XXXX XXXX XXXX on to my Consumer Report, Thus Ruining my reputation. I Also Properly Attached a FTC Report along with an Official Police Report Proving the Account to Be Fraudulent. I Also notified them of the Deceptive practices they were Following along with several other Federal Law Codes that they are in Violation of. They Responded by Mail on XX/XX/2023 & Notified me that the Fraudulent Account : XXXX XXXX XXXX Was removed from my Credit Report. XXXX & XXXX Followed up with another Letter 14 Days later on XX/XX/2023 and Notified me that they 'Reinserted " the Exact same Fraudulent account : XXXX XXXX XXXX on to my Credit Report that had been removed just 14 Days Prior. Completely ILLEGAL, Violating a Plethora of Federal LAW Codes & violating my Trust within the Banking System. Their Willful Disregard for Federal Law is Completely Absurd and Repulsive & I'm not sure why they believe that they're ABOVE the Law. 

Their Negligence has Caused me Stress, Physical harm, anxiety, Hardship, misfortune, suffering, Trauma and emotional turmoil. Months Later & XXXX, Experian & XXXX is Still Denying me of my Consumer Rights & Perpetuating their Wrongdoing & Violations of Federal law. 

The Fraudulent Account : XXXX XXXX XXXX was Removed & then Reinserted 14 Days Later, Perpetuating the Damages of my Reputation and my Consumer Profile. I'm Requesting the CFPB and Every other Federal Regulation to Recognize this as an attack on the Consumer & to step in and Counter their Fraudulent & Illegal Activity & Compel them to Follow the Law. 

I have no other Option but to View this as a Direct Attack on Consumers & I will not allow this Elaborate Mechanism to continue to Report Adverse and Fraudulent Account : XXXX XXXX XXXX on to my Credit Report, Especially after they have already removed it. Indubitably Preposterous, unethical, Deceptive, & Unfair Practices.

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 2023-05-11
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 pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-04-27
Company: Experian Information Solutions 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:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 10 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

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 2023-05-11
Company: Experian Information Solutions Inc.
State: MS
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:
There is inaccurate information being reported on my credit reports. There is a discrepancy on my credit reports, as I have two different electricity companies reporting to collections. One is in the state of Texas, while the other is in the state of Mississippi. There is no way I could have services in both states at the same time. XXXX XXXX and XXXX XXXX are both stating that I opened services on XX/XX/2020. This is impossible.

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 2023-05-11
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed a Identity theft report and sent it to company and XXXX credit bureau. ACCT. # XXXX. AMOUNT IS FOR {$1100.00} from XXXX XXXX being collected by Credence Reasource Mgt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: Experian Information Solutions 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 submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complaint again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding these fraudulent items and to REMOVE them from my credit report immediately. These accounts are NOT MINE. 
.

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 2022-12-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute to all three credit reporting agency and the results are as follow XXXX- the dispute was open on XX/XX/XXXX they responded saying that they update the account to reflecting a new date of XX/XX/XXXX which is the reason I filed dispute in the first place they are re-aging the account XXXX XXXX the account as of XX/XX/XXXX which was original closed in XXXX of XXXX how could they reopen account that was reported closed and charged off by the original creditor. 

XXXX is also re-aging the account reflecting that the account is opened as of XX/XX/XXXX All three companies are violating my rights with re-aging this account in which I did get a response from the original creditor XXXX XXXX XXXX which does not show where they sent any info to these credit reporting companies to re-age accounts. 
I don't think that these companies did an accurate job in investigating this dispute they never sent me anything about how the investigated or what process they used to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: MI
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:
Recently checked my credit file and my XXXX XXXX and discovered several new alarming things. 1st a new collection was added to 2 credit reporting agency reports that I have never heard of for an XXXX XXXX XXXX  account that I never opened. Next there are dozens of random inquiries on my credit file with XXXX XXXX, XXXX and Experian. 
Experian and XXXX XXXX have Fraud warning on my reports that I need to be contacted and I was not in regards to these inquiries. 
Next I went to open a new checking account and discovered that all the same places that were on XXXX XXXX, XXXX and Experian were on my XXXX XXXX and I wasn't looking for any banking account needs until XX/XX/XXXX. All the other activites have been outside that date several XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$180.00} that I have reported to the police and is enclosed.

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 2023-05-11
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
This complaint is in response to my most recent copy of XXXX and Experian consumer report. I see that an XXXX Bank account XXXX reporting on those XXXX consumer report without my written consent and also is reporting account transaction information also adverse information regarding alleged account. Please be advised I am not requesting account verification via XXXX nor other third party consumer reporting agency. I want to make it known that XXXX XXXX, XXXX, and Experian are violating my consumer rights regarding this account. 15 U.S. Code 1681c states that no adverse information is allowed on the consumer report. XXXX XXXX  reports that the alleged account is a charge-off/ late payments on the account. 15 U.S. Code 1681b states that a consumer reporting agency shall furnish information In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. It is evident that XXXX and Experian current compliance procedures have failed me as a consumer. I am sure If I completed a Freedom of Information Act form to request accounting information related to XXXX bank as well as XXXX XXXX XXXXo see how the consumer data has been securitized and being traded. I will also look into a Forensic Accounting audit by a XXXX XXXX to capture the security fraud that is currently being committed by these companies regarding my consumer data/signature/applications. 
XXXX XXXX XXXX XXXX XXXX # XXXX Commission file number XXXX XXXX XXXX XXXX XXXXXXXX Acct 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 2023-05-11
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
After spending several exhausting hours of trying to resolve the outstanding problem over the phone that Comenity Bank inadvertently applied incorrect payment amount of {$56.00} to my Ann Taylor account in lieu of my XXXX check # XXXX of {$150.00}, XXXXXXXX XXXX  has confirmed to me and provided copies of my XX/XX/2023 statement that Comenity Bank submitted my check # XXXX for payment of {$150.00} on XX/XX/2023. The problem is my payment of {$150.00} was not applied to my Ann Taylor XXXX statement and an incorrect amount of {$56.00} was applied to my account instead.

Company response to consumer: Closed with monetary relief