BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : Collections : XXXXXXXX XXXX XXXXXXXX Account No XXXX XXXX. Amount Owed {$150.00} XXXX. Placed in Collections XX/XX/XXXX XXXX. Last Verified Date XX/XX/XXXX I do not recognize this company and the information. No Verification performed. I requested all Credit companies to delete this collections company information. But this information never deleted. 

In Accordance with the Fair Credit Report Act this company violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks 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 2022-12-01
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
On XX/XX/2022, I called American Express Customer Service at XXXX to request a reallocation of credit limit from XXXX American Express personal credit card to another. Instead of processing the request as a reallocation, the customer service representative that I spoke to first processed a credit limit decrease on the first card, then required me to submit a credit limit increase request on the second card, which I later learned is not the correct process for reallocating limit between XXXX existing cards. The credit limit decrease took effect immediately, but the credit limit increase request was denied by American Express, resulting in a decrease in my overall available credit rather than a reallocation of credit as I had requested. I later spoke with a different American Express representative who confirmed that the first representative followed the incorrect process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
Company: EQUIFAX, 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:
I, XXXX XXXX, consumer, and natural person, am aware of all rights under the FCRA. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX account no. is XXXX .... 
XXXX  account no. is XXXX .... 
XXXX XXXX XXXX account no. is XXXX .... 
XXXX account no. is XXXX ..... 
XXXX account no. is XXXX ..... 
XXXX XXXX account no. is XXXX .... 
XXXX account no. is XXXX... 
XXXX account no. is XXXX ..... 

delete all these accounts or be fined {$1000.00} for each violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I, XXXX XXXX, consumer, and natural person, am aware of all rights under the FCRA. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX account no. is XXXX .... 
XXXX account no. is XXXX .... 
XXXX XXXX XXXX account no. is XXXX .... 
XXXX account no. is XXXX ..... 
XXXX account no. is XXXX ..... 
XXXX main account no. is XXXX .... 
XXXX account no. is XXXX... 
XXXX account no. is XXXX ..... 

delete all these accounts or be fined {$1000.00} for each violation

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 2022-06-29
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2022, I requested an investigation for some items that did not seem correct on my credit report. I provided specific reasons why the accounts were being challenged along with specific instructions on what should happen to the account in the requested information could not be provided within 30 days according to the FCRA. 

40 days went by and the items still were appearing on my credit report and the method of verification still was not provided. 

On XX/XX/2022, I requested a re-investigation into those same accounts with the same results. Nothing was removed and the method of verification has not been provided. 

It is now, XX/XX/2022, and the accounts in question are still showing on my credit profile and are listed below along with the reason for the investigation. 

XXXX Account Number : XXXX Please remove all late payments per the HEROES Act XXXX Account Number : XXXX Please provide the document that allows you to continue to violate my privacy. If you can not find the document, please delete from my profile. 

XXXX Account Number : XXXX Please remove all late payments per the HEROES Act XXXXXXXX  Account Number : XXXX Please remove all late payments per the HEROES Act XXXX  Account Number : XXXX Please remove all late payments per the HEROES Act XXXX Account Number : XXXX Please remove all late payments per the HEROES Act XXXXL Account Number : XXXX Please remove all late payments per the HEROES Act XXXX Account Number : XXXX If you can not provide the method of verification that shows I owe this exact dollar amount, please delete this entry. 

XXXX XXXX XXXX Account Number : XXXX If you can not provide the method of verification that shows I owe this exact dollar amount, please delete this entry. 

XXXX Account Number : XXXX Please provide the document that allows you to continue to violate my privacy. If you can not find the document, please delete from my profile. 

XXXX Account Number : XXXX Please provide the document that allows you to continue to violate my privacy. If you can not find the document, please delete from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Loan is in loss mitigation/ hardship relief status under CARES act legislationand so reporting as current to credit reporting agencies, Credit reporting agencies are indicating receipt of false information showing it reporting as late, and so reflecting on their credit reports.

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 2022-06-29
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: Information belongs to someone else

Complaint:
This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, and ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter

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 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I looked on my credit report and noticed that Transunion is in violation of 15 USC 1681b ( a ) ( 2 ) Which states In Accordance with written instructions of the consumer to whom it relates. I the consumer has never given a written statement that allows Transunion to repost anything on my consumer report. Without my consent Transunion has committed Identity Thief. There are four different accounts that need to be removed. I have given them 4 different exhibits that show accounts that are unauthorized. I also added written letters, an affidavit of truth, a letter of the exhibits violated by Transunion, a signed letter from a Notary Public, and a invoice for the 4 federal violated rights. Each violation made my Transunion are for {$1000.00} dollars per violation

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 2022-06-26
Company: Experian Information Solutions 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 XXXX XXXX Account # XXXX, XXXX XXXXccount # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX and XXXX Account # 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

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 2023-08-29
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD
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 tried to get a copy of my credit file from ChexSystems and was connected to a call center in XXXX. This call center made disclosure of my SSN a requirement to gain access to my credit file with no alternative measure if I did not want to provide it. 

I explained to the woman named XXXX that I was not comfortable with disclosing SSN to someone in another country and especially since it is against the law of the United States to compel me to disclose it. 

They refused unless I provided them with my SSN so I am without my credit file. Who is responsible for holding these companies responsible for willful non-compliance of the Federal Laws. 

42 USC 408 clearly states : Whoever- ( 8 ) discloses, uses, or compels the disclosure of the social security number of any person in violation of the laws of the United States

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 2022-06-28
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: Account information incorrect

Complaint:
I am pleased to see some improvements on my report and there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$250.00} XXXX XXXXXXXX Balance Owed : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NY
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:
Hello so this doesnt really apply to me yet but a major issue numerous people are having is paying their bills with comenity bank because they are still doing a system update that has been going on for days now and its already causing problems with customers when their credit card payments are due usually companies offer you an alternative to pay your bill online or automated system the automated system sends you to a recording and then hangs up its very unacceptable because as soon as your credit card payment is late you get a negative mark on your credit report this is not fair to customers my credit card payment isnt due yet but Im making this complaint for other comenity bank members because Im sure some of them are having problems and comenity hasnt contacted w tone regarding this problem or what are they going to be doing for customers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not consent to authorize nor benefits from the following account ( s ).

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 2022-06-28
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I sent letters to the Credit Bureaus to remove the unauthorized inquiries and inaccurate information that are found on my report. But still those inaccurate items are constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
Inaccurate address : XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/2022 INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX account opened XX/XX/XXXX and closed 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
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. 
I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : XXXX XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 
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 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The last purchase that I made with my XXXX account has caused nothing but problems with my account. My payment information has been the same into my account since I had the card, however since the last purchase in XX/XX/2021. I made a payment and XXXXComenity Bank XXXXted that the payment was returned. When I checked with my bank they do not have a record that the payment was returned, when I make an attempt to add the account it states that the account information already exists. As of right now when I try to log into the website to obtain the correct payment dates it states " We're Sorry. A technical glitch occurred and your request could not be completed. Please try again. The first time they stated that payment was returned they waived the late fee, I made the payment and the next month 's payment. I then made a {$140.00} payment using the information that has always been in my account. I never received another statement and when I received a phone call from XXXX I checked my account and payment never cleared, and my bank did not have a record of a returned payment. Again this seems like it was an XXXX issue. They denied waiving another late fee and interest, and on yesterday what really caused me to file this complaint is they reported my account delinquent with the credit bureau. I demand that they reimburse for me for the interest and fees, and correct my credit report and I will never use this card again in my life. They can't say my account number was incorrect, because trying to input it again, it stated the account is a duplicate, and for the final payment to just pay the balance off in full I had to use my wife 's account in order to ensure there wasn't any issues. This went through as pending just the very next day. XXXX believes that all of their customers is making up lies, I paid all of my bills on time, and they need to look into their system. After the collections call before I made the final payment, it took forever to get to their web page, as it came up that they were bread financial I could not get into that site, and ironically I can't get in today. I have printed documents. Please scroll to the bottom on the bread financial. It is documented that there is an issue when someone tries to get into their account. If my password or anything else was incorrect, the error message would say that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2022 XXXX applied for a American Express card. Card promotional materials as well as Card review sites that were sponsored by company advertised that card had instant account access via XXXX XXXX and a Virtual number. This was not the case after signing up for the card. None of this information was available and when calling customer support they said this was contingent on pre-approval for feature. This is despite the card itself being advertised as an instant cash card with instant use. Customer service hung up on me after I confronted them on this and refused to cancel card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
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:
In accordance with the Fair Credit Reporting Act XXXX  Account 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 canot furnish a account without my written instructions.

15 U.S.C 1666b A creditor maay not trat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Prior Investigations have taken longer than 30 days, this is also violating my rights.

Company response to consumer: Closed with explanation