BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid my entire account balance of {$900.00} with Comenity Bank ( Express Credit Card ) on XX/XX/2022. Their website was down most of the summer, and so I called that day to make my payment. Finally in XXXX their website was back up, and I was able to verify my payment went through and shows a {$0.00} balance. During this entire time frame Comenity Bank stopped reporting to the credit bureau, their last update shown is from mid XXXX. This has been dragging down my credit score for 5 months now. It should show a {$0.00} balance, and not have any late payments for this credit card because the month I received my statement for {$900.00}, I paid it off entirely that same month. 

In XXXX I reached out to Comenity by phone again to have this resolved, and was told the credit bureaus would have to sort it out. Comenity Bank now is ran by Bread Financial. 

Today I just submitted disputes with all three credit programs XXXX, XXXX, and XXXX. I really need this to be removed from my report immediately, as I am under background investigation for my new job, and do not want this to negatively impact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: SC
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 confidentially 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 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 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 


15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 602 A : also states a Consumer reporting agency can not furnish an account without my written instruction.

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 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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX, Transunion, XXXX XXXX has disclosed my personal information without my verbal or written consent. XXXX XXXX has closed my account without written or verbal consent on a account that was current, recently at the time had gotten a credit increase and was not notified of account being closed until after they closed my account. XXXX XXXX, XXXX XXXX XXXX has lowered my credit limit due to what has been reported by another creditor which I have not given them verbal nor written to lower my credit limit. This is causing great harm and hardship to myself and family. To the creditor reporting agencies, I have sent dispute letters and advising them of fraud and Identity theft. My credit score has gone from XXXX down to XXXX!! All due to Fraud and Identity Theft. I have contacted XXXX XXXX on the phone and sent them a letter of dispute stating fraud and identity theft certified in XX/XX/2022. I called XXXX XXXX on phone after the app advised me, I was limited on credit, and they advised that my limit was decreased due what was disclosed from another creditor. I advised them verbally that that they did not receive anything from myself requesting a decrease verbally or written and that was identity fraud. This is against my privacy and information that has been report is inaccurate. I have contacted the IRS.GOV and gotten a 9-digit pin as well as put in an Identity theft with FTC.GOV

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 2023-01-28
Company: EQUIFAX, INC.
State: LA
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 sent you a letter last XXXX XXXX XXXX  but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: DISCOVER BANK
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
SINCE XXXX XX/XX/XXXX TO XXXX XXXX XXXX CFPB I am demanding proof of contract not computer created statements because they have only sent me copies of statements that I don't even know where they came from or who they are from in a computer you can create mani things like robo signatures I am demanding proof of contract I am demanding proof of contract I am demanding proof of contract they don ; t show proof of contract because they don't have one This is my eighth Qualified Written Request, for proof of claim Dated XX/XX/XXXX. Like on Previous letters advice that XXXX XXXX XXXX, XXXX. should fail to produce proof of claim within 30 days ; they will have exhausted their administrative remedy under a private administrative process and tacit agreement, XXXX XXXX XXXX, XXXX. failed to provide any documentation, original wet ink signature contract note specifically including records transferred from any previous lender or Bank. And XXXX XXXX XXXX, XXXX. ignore my demand and instead supply false untrue forms in pursuant of USC Title 18, part1, chapter 101 2071. USC Title 18 Part1, Chapter 63 1341, 1343, 1345, 1346, 1349.

Company response to consumer: In progress
Consumer complaint received 2020-06-20
Company: CL Holdings LLC
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: Account status incorrect

Complaint:
JEFFERSON CAPITAL SYST is reporting that I have an open balance of XXXX on three of my credit reports. I have never received any corresonpondce from this company informing me that I have an outstanding balance explaining the nature of the debt. The debt balance has initially been from XXXX that was a dispute that while was XXXX in XXXX and was charged-off sold to XXXX XXXX XXXX, which I disputed the amount owed with several times. In XX/XX/XXXX, the company removed the balance from my credit report. I recently pulled my credit report and seen that In XX/XX/XXXX, JEFFERSON CAPITAL SYST place this on my account as a past due account, which is inaccurate information and is reporting a of XXXX is a revolving line of credit. I would be grateful for any assistance to resolve this matter because I won the dispute with XXXX XXXX XXXX for faulty collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: TX
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:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-08-16
Company: Kikoff Inc.
State: WV
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello my name is XXXX XXXX XXXX XXXX XXXX XXXX West Virginia XXXX!! The complaint is regarding charges that was put on my account by an fraudulent charges from companies that I have no business with them and several other charges from cell phone company and I had an XXXX reversal refund last Saturday on XXXX XXXXthese people need to be investigated they are running an adverse business within the United States of America and working the company out of the XXXX overseas transactions call XXXX kick-off account owned by XXXX XXXX XXXX  kick-off account upside down K?? On the XXXX XXXX  XXXX  if you search it but this problem with these people have been going on since XXXX XXXXi have tried every way possible to get this problem straightened out and they cancelled an new credit card and debit card for no apparent reason before it even shows up in the mail!!! Over XXXXdollars worth of charges has been applied to my account and that'll absolutely not mine it ran my account over in the red XXXX dollars because of the illegitimate charges that got put on my account so with that being said they took my {$200.00} refund when it hit the account and they refuse to straighten anything out and threaten to close the account up for illegitimate charges that was placed on my account someone. Within this company is stealing money from the customers or clients who share their financial situation with theses people their address is XXXX XXXX XXXXXXXX XXXX XXXX Utah XXXX please let me know what the outcome is with these people but it really does need to be investigated they are an branch off of XXXX XXXX XXXX  kick-off account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Experian Information Solutions 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:
I would like to submit a formal complaint for Experian Credit services. I have over the last few years tried to correct issues on my credit report and they have continually not rectified the issue which is causing great strain in my life. I have attached below the most recent letter I have sent them and they have never responded to any of my letters regarding the a verification on accuracy of any of the accounts. This would not be according to current law allowing any items in question to be verified if requested. They have not provided any documentation or anything regarding the issues. Please assist. Thank you,

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 2023-10-01
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX ( Incorrect account please validate ) And delete XXXX XXXX  late payment XXXX XXXX XXXX XXXX ( Incorrectly reported please delete ) XXXX  XXXX late payment XX/XX/XXXX incorrectly reported. ( Account no longer open please delete ) Account has been removed from XXXX XXXX  remove from all other credit reporting XXXX late payment XX/XX/XXXX accountclosed late payment inaccurate has been removed from ( XXXX XXXX ) Please remove from all other credit reporting XXXX XXXX account was fraudulently charged/ ( The accounts has also been charged off ) please delete XXXX Late payment incorrect reporting account is paid as agreed please update and And correct XXXX XXXX ( account was charged fraudulently identity theft ) please delete. 

XXXX XXXX XXXX XXXX ( Account was fraudulently charged due to identity theft please remove and delete ) XXXX XXXX  ( account was fraudulently charged due to Identity theft. Account also is a third party and not validated ) please remove and delete XXXX XXXX XXXX Consumer has agreement with XXXX XXXX XXXX  To extend the payment due date XXXX XXXX XXXX XXXX XXXX late payment is invalid please correct.

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 2023-12-18
Company: EQUIFAX, INC.
State: NC
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
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:
This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items right away : XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) # # # # # XXXX Amount {$2400.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 


According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2023-08-17
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I applied for a XXXX XXXX XXXX card by Synchrony Bank which was recommended by XXXX XXXX. I was informed that I was approved and a card would be sent out. When the card arrived I activated it and then pulled the sticker off the card. That is when I noticed it was not a Visa but rather just a XXXX gas card. I called Synchrony customer service and I was informed that during that approval process, I was not approved for the Visa so then sent me the gas card instead. I did not apply or request the gas card nor was I informed of the change. Before I was able to ask follow-up question the call was disconnected. I then contacted them via computer account chat where I directly asked for the complaint/Compliance contact info it was refused. Simply put this is a Bait and Switch scam.

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 2023-01-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have a collection from XXXXXXXX XXXX I have never opened this account with XXXX XXXX  both, the credit bureaus and creditors failed to send out physical documentation stating the DEBT belong to me.

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 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have requested transunion and XXXX to look into the XXXX funding collection on my report. XXXX deleted both of these accounts due to being unable to verify but these two are refusing to properly verify. I had all three times requested VALIDATION of these accounts. By law I am entitled to see how they validated these accounts as well as to have fair and accurate data reported. To date both companies respond verified which does not show how they validated. I want to see a contract with my signature on XXXX letterhead showing I owe them. On top of this both companies report different information on the account XXXX vs XXXX. My second XXXX account of XXXX shows individual owes but yet if they would of validated as I requested they can see it was NOT my debt ever! 

I am including a copy of last correspondence to show proof of inaccurate information being reported. 

XXXX already deleted BOTH accounts due to no validation. Follow suit.

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 2022-07-02
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have two accounts one with XXXXXXXX XXXX XXXX XXXXXXXX and one with Victoria 's secret. I have been unable to check my online accounts since XX/XX/XXXX. I have tried calling on the phone and I get a message about an update and that they can not help and it disconnects me. It was only today on XX/XX/2022 that I received an email alerting me to this issue. I have called multiple help phone numbers for the two different card accounts and I get a voicemail regarding their update and that they can not help and then it disconnects. Since I have paperless statements and I can only access my accounts online I do not know what my balances are I do not know when my due dates are and I do not know my minimum payments due. This is completely unacceptable and extremely frustrating and worrisome. The fact that there is no communication from the companies holding these cards and accounts is disgusting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX  Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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