BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-11
Company: BARCLAYS BANK DELAWARE
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: Account information incorrect

Complaint:
my account is in error which is reporting 30 days late for XXXX 2017.

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 2019-11-25
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: Account status incorrect

Complaint:
Experian FICO dropped on XX/XX/XXXX indicating that I have a serious delinquency. However when i view all my accounts all accounts have been paid on time and no delinquencies are appearing on my credit report. When i try to apply to anything I am denied due to " SERIOUS DELINQUENCY '' However this makes no sense as I can not locate a delinquent account on the credit report this must be some kind of error/glitch on experians side. 

This error also appears on XXXX  stating I have a negative account with XXXX when the account also shows paid on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-20
Company: EQUIFAX, INC.
State: AR
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:
My identity has been compromised. I found out because credit karma sent me a email that I needed to take action. I immediately pulled my credit report and saw a outrageous amount of items that were opened under my social security number. Its upsetting that anyone would all these things using my information. These fraudulent items are not mine. 

DEPTEDXXXX XXXX {$4500.00} XXXX XXXX XXXX   XXXX {$4500.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$13000.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX   XXXX {$2200.00} DEPTEDXXXX XXXX {$4500.00} XXXX XXXX {$4500.00} XXXX   XXXX {$6000.00} XXXX XXXX XXXX XXXX {$470.00} XXXX   XXXX {$5500.00} XXXX XXXX {$4500.00} XXXX XXXX XXXX {$57.00} DEPTEDXXXX   XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
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:
On XXXX XXXX, 2017, Equifax reported a breach in their system that exposed personal information on 143 million people in the United States. This information included names, dates of birth, social security numbers, and potentially drivers license and credit card numbers as well. While I understand that Equifax is also a victim in this attack, this is still unacceptable to the highest level. By simply participating in the credit system in the United States, one is forced to take part in working with agencies like Equifax, XXXX, and XXXX. Because of this, there is an inherent level of trust that must be established and this breach shatters whatever trust may have existed. Something must be done to both ensure that companies can not get away with this and that our information is stored in a manner of the utmost security.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX a business client sent {$300.00} to my business venmo account. The money was marked " on hold '' by venmo, asking that I submit tax information. Having already done so previously, when I clicked the tab indicated this time, it went nowhere and did not allow me to verify tax info ( because I'd already done so ). On XX/XX/XXXX I initiated email contact with customer support with no resolution. On XX/XX/XXXX I called customer support and they could see I had verified my info and they could not say why my money was not being released. I was told I would get an email from their account support team within several days. I never received an email. On XXXX I called back, at which time I was asked to submit documentation of screen shots outlining what I see when I try to verify tax info. I submitted all requested screen shots on XXXX. After continued attempts to get information from venmo on XXXX, XXXX, and XX/XX/XXXX, with no resolution, I am now taking further steps. They are saying they don't know what the issue is, and they have no ideas when it could be resolved. I can not get answers, and most importantly can not get my {$300.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : CRDMGMCOMP ( Original Creditor : XXXX XXXX ASSOCIATES ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX US DEPT ED XXXX* US DEPT ED 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 non-monetary relief
Consumer complaint received 2019-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am Capital One credit card customer, and saw webside 360 Money Market promotion using promo code EARN500 to earn a {$500.00} bonus for balances of {$50000.00} or more, or a {$200.00} bonus for balances between {$10000.00} - {$49000.00}. XX/XX/XXXX I online open a A/C # XXXX and received confirm Email shown And dont forgetsince you opened your account with promo code EARN500, you have the opportunity to earn a cash bonus. ( see attached file XXXX ) After 90 days I didnt see bonus pay, XX/XX/XXXX I call Capital One and the representative Mr. XXXX said about XX/XX/XXXX shall process bonus request ; XX/XX/XXXX I still didnt see bonus pay, I call again and talk with the representative XXXX, then manager XXXX ( XXXX ) that they said I had a Money Market A/C in XX/XX/XXXX, and Closed XXXX ( too long, I no record ), so not qualify get bonus. I told them if not qualify {$200.00} bonus, why you accept my application and XX/XX/XXXX transferred {$10000.00} from my bank account ; and or you must prompt notice me can't get bonus qualify reason. I ask them still pay {$200.00} bonus. 
Thanks, XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Bread Financial Holdings, Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I used my Comenity XXXX rewards card in late XXXX/early XXXX and my bill was due on XX/XX/XXXX. I get my statement for XXXX and it is the old balance along with interest and a late fee of {$27.00}. I sent a check on XX/XX/XXXX and when I called Comenity it said it arrived on XX/XX/XXXX, 11 days later. They told me they had already removed a late fee from XXXX and can only do so every 18 months, I then said that I RARELY use this card and recalled that I mailed my check on either XX/XX/XXXX or XX/XX/XXXX, it was due XXXX XXXX. And again it didn't arrive until either the XXXX or the XXXX. Told the guy this was very fishy and was going to report it. I am pretty sure these are the only two times I have used this card in the last year. I have since cancelled the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: EQUIFAX, 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:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX am stressed out about this Company call National Credit Systems. They are on my Consumer Reports holding me back financially by staying on it, attempting to collect a debit on behalf of a Creditor. They also even state they are collecting for another Creditor which is illegal. This practice makes National Credit a 3rd party Collector. I have no contract with National Credit nor ever gave them any permission to report anything on my Consumer Report. They are required by law to notify me 1st before they want to post on my Consumer Report.

15 U.S. Code 1692 ( c ) ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

National Credit Systems have been contacted by me several times and each time they have stood by their efforts to insist that i owe them a debt.

I have sent them an Affidavit Of Truth which stands as truth in a court of law. They sent my mail back to me but yet i sent the mail to the address listed on my Consumer Report they had as their listed address. I had to find another address for them online. They clearly are playing games trying to avoid truth. They have not sent back a rebuttal by Affidavit. My word stands as Truth in a court of law.

15 U.S. Code 1692a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

The debt is reported in positve amount not in a negative amount as owed debt. Also the amount of debt reported has been different amounts. Amounts from {$3500.00} to {$3700.00}. They even sent me a copied contratct where a column for credits listed a security deposit of {$250.00} was added to a credit of {$3400.00}. Then that total what listed in the charges column in positive for of {$3700.00} It makes no sense. This is not fair to me and this is inaccurate and illegal. I have attatched documents with close ups of the copied contracts and my Consumer report where they clearly show they are not Creditors in fact, i point out the XXXX XXXX who listed on the contract. XXXX  XXXX XXXX XXXX. If is not even the name that National Credits Systems listed as the Creditor XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: NY
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 Contact ( Equifax Credit Report ) To Remove Most Of My Inaccurate Credit Report Request for Investigation of Multiple Unauthorized Inquiry I checked my personal credit report, which I acquired from your organization on [ equifax ] and I noticed Multiple unauthorized inquiry had been made. I contacted [ equifax AND ALL OF THE ASSOCIATION ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into [ equifax AND ALL OF THE ASSOCIATION ] of this multiple inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove ALL of the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation ( With Proof ) within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. Here 's The Following Inquiries .... 

-XXXX Auto Inquiry from XXXX XXXX, XXXX -XXXX XXXXXXXX Auto Fi Inquiry from XXXX XXXX, XXXX -XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX S Inquiry from XXXX XXXX, XXXX -XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX -XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX -XXXX Auto Inquiry from XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Experian Information Solutions Inc.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2022-01-17
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: Account information incorrect

Complaint:
After recently reviewing my credit report I noticed several inconsistencies regarding the account US DEPT OF EDUCATION - XXXX ) in the ( Date Opened : ) & ( Last Reported : ) ( Date Last Active : ) ( Date of Last Payment ) section. Equifax is reporting date XX/XX/XXXX status, XXXX is reporting date XX/XX/XXXX status and XXXX is reporting XX/XX/XXXX dates can't be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. Below you will find a screenshot of the account. Account Name :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
About seven or eight years ago, possibly ten, I asked my lender XXXX XXXX to divide my loans into two groups : co-signed and uncosigned. This way, I could easily ensure that I would always make ( as much as I could ) the payments on the loans cosigned by family members. The grouping stayed the same when the loans became Navient. About a year ago, the website changed and the were no longer group but I kept paying on the ones I had been paying on because they were my cosigned loan. 

Today, when I was checking on remaining balances due to a push from my family to get those specific loans paid of to relieve the stress of the my cosigners, I discovered that one of the loans was not a co-signed loan. This means I 've paid almost 10K dollars over the last eight to ten years I did n't budget on paying for because my lender lied to me in how they grouped the loan.
This fraudulent customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-01-17
Company: EQUIFAX, 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 have previously disputed with XXXX, XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have 80 inquiries on my credit report that I did not authorize I have contacted transunion and I also contact the creditors and the inquiries are are still remaining .... Im referring to all the mortgage inquiries ... I was not in the market for a mortgage loan at the time ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In early XXXX I sent individual FCRA Section 604 letters out to dispute and request written evidence of specific hard inquiries on all three of my credit bureaus. The letter detailed the specific inquiry in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau, Experian. 

Below are the detailed inquiries I asked to have investigated in early XX/XX/XXXX. None of the 3 credit bureaus responded. Literally, zero response. Which violated the law since they needed to respond in writing within 30 days. I am now requesting under the FCRA since the credit bureaus did not respond to the CFPB investigate this matter further and for the credit bureaus to provide written evidence of their investigation. Please see the attached documents and items details below that were originally being requested to be investigated and evidence provided of an actual written request for a hard inquiry. 

Experian - Inquiries to be investigated : 1.Inquiry Date XX/XX/XXXX, and XXXX, XXXX ( 3 times ) Removal Date XX/XX/XXXX Business Type Mortgage reporters Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX NOTE : The inquiry above should only be once, not 3 times! An error was made by the Experian or the vendor. Only 1 inquiry should show. Please investigate per FCRA. 


2. XXXX XXXX XXXX XXXX XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, NE XXXX BYMAILONLY Note : Above, This is not recognized and should be removed. Please investigate per FCRA. 

3. XXXX XXXX XXXX 
Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, VA XXXX Note : Above, the XXXX XXXX should have been a soft not hard inquiry per XXXX  XXXX as an existing client. Investigate per FCRA 4. One MainInquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Personal loan companies XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Note : Above, I do not recognize this company and do not recall giving authorization. Please investigate per FCRA. 

5. XXXX XXXX XXXX Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Note : Above, I do not recall requesting a credit card in XX/XX/XXXX from XXXX. Please investigate per FCRA. 

Thank you, XXXX XXXX XXXX CFP ( R )

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