BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I contacted Discover Card and wanted to offer them a settlment payment to once and for all clear my debt. I have been paying this card for years, and the balance never goes down. I have no credit available and it is not an open card. 

Due to Covid 19, I had hardship problems. My mother is sick and I must leave overseas for an undetermined amount of time. I want to settle this credit card to a XXXX balance. When I called the comical hardship department, their biggest help was to offer two months no interest. 

This woman would not transfer me to the settlment department. This woman just kept saying they do not have such a thing, where everything else online states that it does. 

Would they prefer that I pay them XXXX? i RECEIVED NO HELP from them This occurred today on XXXX XXXX 2022. Telephone XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Genesis FS Card Services, 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: Reporting company used your report improperly

Complaint:
Credit inquires are not correct open accounts or pass debts are invalid on my report that are being reported to credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
CREDIT FILE : XX/XX/XXXX Equifax Confirmation # XXXX have disputed these Hard Inquiries with Equifax, as I did not and they are still listed, saying that they are factual. This is incorrect, I did not authorize these. I have submitted the attached FTC report XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICES XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts are not mine but is reflecting on my credit reports. 

XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$100.00} XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$25000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX or XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XX/XX/2020 I contacted experian, XXXX, and equinox about fraudulent loans being furnished on my credit report. After sending a police report, FTC fraud report, equinox deleted the inaccurate information but experian and transunion denied to fix the issue on several occasions after sending affidavits, police reports, fraud reports, court rulings, and phone calls. The XXXX  XXXX XXXX XXXX XXXX had lost a case for fraudulent loans. 

According to documents, all fraudulent loans were to be cancelled and cleared from reporting. That has not happened. 

This has caused adverse harm in seeking housing, and solid transportation.

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXXDate Account Reported : XXXX 's Date Opened : XX/XX/2021 -- XXXX Account Condition : Closed -- Paid -- Account 's Closed Date : XX/XX/2021 -- -- XXXX XXXX : Closed -- Paid Account Dispute Status : Account not disputed -- Account not disputed-Account Status : Closed -- Open Account Status Information : Closed -- Paid Account Rating : Closed -- Paid Payment Status : Current -- Current I never obtained this account and also how can a person obtain an account on XXXX different days and then the same date its last reporting was the same day the account wa closed, that doesn't make since. this company stole my information and refuses to fix the error. I have been sending in disputes for months and they get rejected in a day or the company responds back verifiable within any written notice and without any supporting documents. I don't even know what information was used to obtain this account nor does any of the information on my credit report matches this information and that is XXXX of the regulations and guidelines any business or consumer to have update information or accurate information across all three bureaus and this is not the case. please have a human review my request and not an automated system or machine and also update and send any verifiable documents with notary signature and matching ID used at time of purchase or delete this fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: DISCOVER BANK
State: MO
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: Card was charged for something you did not purchase with the card

Complaint:
I contacted discover and citi bank in XXXX of XXXX  to inform them of accounts that were opened in my name. Since then I have tried working with discover ( XXXX validated my fraud claim ) and have gotten no where. I have sent them evidence showing where other people were using my address, where I was not receiving mail sent to me, where someone tried filing for unemployment in my name through state of California, at least 2 other people received mail from California employment department for unemployment, a list of minimum 15 other people using my address for theirs now I've lived at my address for 20 years and no one but my spouse myself and XXXX XXXX  receive mail I signed up for usps service to see what mail I should be receiving what day and multiple times I've not received all mail addressed to my home. I've sent documents showing where someone signed up at id.me and also tried to receive a small business grant. Discover still says I'm responsible for the account but when I ask for any information regarding the account I get shut down and told they can not g8ve me information because I said account was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Westlake Services, LLC
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:
There are a few hard inquiries on my reports that were unauthorized.

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 2022-09-25
Company: General Motors Financial Company, 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:
There are a few hard inquiries on my reports that were unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, an item called an " ACH Refund '' in the amount of {$900.00} was posted as a charge against my credit card. The transaction date was XX/XX/XXXX. The reference number was XXXX. 

Unlike all other transactions which I can see on my on-line statement, there was no name identifying the source of the transaction. 

At that point, I had no idea what an " ACH Refund '' was. I began by calling the phone number on the back of my credit card. Over a number of days, and many hours on the phone, I was bounced back and forth to more than a dozen people, each giving me a phone number for another department, that they were sure could deal with this problem. 

Of those dozen people, only one person gave me a more straightforward answer. She told me an " ACH Refund '' was a refund of a payment I had made. I have never requested nor authorized such a refund. I have been doing business with this company since XXXX and have paid my bill in full every month, by means of an electronic payment from my bank account. Therefore, the credit card company has my bank 's routing number. 

This so-called refund was sent to a bank that I have never heard of nor with whom I have ever done business. I was told that it was a bank called XXXXXXXX XXXX and that Bank of America credit card had a routing number for that account, making it obvious to me that this was either a mistake or an out-and-out fraud. 

When I finally reached a person who works in the fraud department, I was told that an investigation would be done. The ID number for that investigation is XXXX. 

In the meantime, there continues to be a fraudulent charge of {$900.00} against my credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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  has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681b PERMISSIBLE PURPOSE and Aggravated Identity Theft under 18 U.S.C 1028 A. 

XXXX****I sent a letter to XXXX XXXX TRANSUNION XXXX and XXXX XXXX reinvestigate these accounts that are reporting illegal transactions late payments. TRANSUNION refused to investigate. Please see attachment TRANSUNION LETTER I am aware that transactions may be applied to the consumer account as per TRANSUNION LETTER. This applies ONLY if the consumer gives WRITTEN consent to do so. Remove these accounts below immediately. 

******15 U.S.C 1681 A ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does NOT include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report *****Accounts in dispute pasted 30 days : XXXX  XXXX XXXX ( XXXX, TRANSUNION ) XXXX XXXX XXXX ( XXXX, TRANSUNION ) XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX, TRANSUNION ) XXXX XXXX XXXX XXXX, TRANSUNION ) XXXX XXXX XXXX XXXX, TRANSUNION ) XXXX XXXX XXXX XXXX ) XXXX XXXX ( COLLECTIONS ACCOUNT ) ALL reporting ******XXXX XXXX XXXX XXXX XXXX has performed Aggravated identity Theft according to 18 U.S.C 1028 A. To obtain information from my report without my knowledge or written consent to furnish an account on my behalf. This is another violation of 15 U.S.C 1681 N. Remove this account immediately. 

*****18 U.S.C 1028a ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

*****15 U.S.C 1681 b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instructions of the consumer to whom it relates. 
*****USPS TRACKING NUMBERS : XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX  ) XXXX TRANSUNION XXXX ( XX/XX/XXXX  ) XXXX XXXX XXXX ( XX/XX/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 2022-09-25
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Basically, my old apartment complex is charging me an amount thats a lie! I have a copy of the lease I also spoke to the credit lady and she stated that was the truth the amount isnt right. They credit company tried to give me a new amount to f pay per phone conversation. The companies is no longer there the apartment have re named and complex no longer have documents. I dont know whats next XXXX $ Original Lender XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I strongly believe that Comenity Bank is purposely not offering automatic payments in order to collect as many late fees as they can from their consumers. 

I have a Victorias Secret credit card provided through Comenity Bank. I hardly use this card, and when I do I always make my payments on time and or in full. Comenity Bank does NOT offer automatic payments and I have never been able to schedule more than 2 payments at a time. I missed forgot to keep scheduling the payments ( my ONLY card that doesn't do autopayments ) and it is now showing on my credit report as 30 days late. The late charge was refunded to me and I paid the balance in full, but they will not update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
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:
Account XXXX  Account number XXXX Amount {$2600.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX  XXXX  Acccount number XXXX Amount {$11000.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX number XXXX Amount {$1300.00} DAte XXXX This is not my account this account was fraudulently opened in my name XXXX Account NumbeXXXX XXXX Amount {$2600.00}. Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXXt Account Number XXXX Amount {$3500.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX Account number XXXX Amount {$920.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX Account XXXX XXXX Amount {$2000.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX  XXXX Account Number XXXX Amount {$2400.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX Account XXXX Amount {$100.00} DAte XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX  Account Number XXXX Balance : {$12000.00} Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX  XXXX Account Number XXXX. BAlance {$4300.00} DAte XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX XXXX XXXX Number XXXX Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX  XXXX XXXX Account Number XXXX Date XXXX Balance {$7500.00} This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX Account XXXX Balance {$2200.00} Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX Account XXXX Balance {$2000.00} Date XXXX XXXX XXXX XXXX  Account XXXX Balance {$1700.00} Date XXXX XXXX Account Number XXXX Balance {$3500.00} DAte 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 2022-07-29
Company: EQUIFAX, INC.
State: OH
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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thanks, you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Veros Credit, LLC
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:
These accounts are not mine but is reflecting on my credit reports. 

XXXX XXXX  Acct # : XXXX Opened : XX/XX/XXXX Amount : {$100.00} XXXX XXXX  XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$25000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX or XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 bought a car at XXXX XXXX at the end of XXXX. Naturally they needed to run my credit which was fine. I now have 4 inquires when I only looked into one vehicle. I ended up paying outright for the car. There is another hard inquiry from XXXX XXXX for some type of XXXX, I never looked at any XXXX. I was not interested in any Hondas. I bought a XXXX. My credit was ran without my knowledge or consent. I shouldve only had one inquiry from XXXX on my credit.

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