BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
I contacted Comenity/Victoria and to let them know they are still reporting inaccurate information on my credit report. They told me they no longer report to the credit report and I will need to dispute to remove the inaccurate off my credit myself. This account is reporting negative information to XXXX, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 kindly request that you promptly remove this inquiry from my credit report as it is inaccurate and does not reflect my credit history. Thank you for your immediate attention to this 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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXX XXXX {$3300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2900.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 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 2023-07-21
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I checked my credit report and saw my personal information was messed up. I have misspelled names, my address, my phone number, and even my work history are not correct. I have attached a letter with the valid address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
In XXXX I agreed to pay {$5000.00} for XXXX  XXXX and an elective implant. It consists of several XXXX  over many months. In XXXX covid lockdowns began and under advice from my dentist they said to cancel the XXXX XXXX  part, which is a majority of the process. I cancelled the XXXX  and agreed to pay for the completed procedures, about {$1400.00}. The XXXX XXXX refused to cancel the XXXX XXXX  and cited the contract as non cancel able on my American Express credit card. 
I tried to get American Express to cancel the XXXX XXXX XXXX and they also refused, backing up the XXXX XXXX. 
American Express sued me for {$3600.00}, which I refused to pay. 
We went to trial and the American Express lawyer obtained a summary judgement before the court date. 
My credit has been ruined and now they are trying to collect using debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Terrill Outsourcing Group
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They called me today XX/XX/2022 Was harassing nasty screaming at me and call me names. They claim that they are trying to collect a debt for XXXX. A furniture company who does not respond to disputes and letters to such. It has been over 5 years that I have sent them letters and calls that I received wrong items. I kept getting the wrong items and they just stopped communicating. I then went a head and wrote more letters as to the defective and poor quality of product sent. Still no answer. They wrote collection bureau and put me on a charge off. I tried reaching out again and was told I received the right order and they never received any of my letters which I have sent them copies. Now this collection agency Superlative RM calls asking me questions I told them I dont owe anything as I sent letters and disputes to their client and never got one answer. They called me a liar, that XXXX  would not send them the file for collection if I didnt owe money. They further stated that they want to sue me and freeze my account. They had given me all wrong information and did have proper address telephone number refused to give me an amount owed when I asked them where they are located they refused to answer me. When I told them to stop calling me they said they would keep calling because I owe ment I mentioned to them they are violating the fair credit act they said big deal. I told them I have proof of XXXX  violating my rights under the fair credit act they said tough. I am a dead beat and a liar. And they will keep calling me. I again told them to stop harassing me as they and their client have violated the law. I want to sue both of them and to stop collection as the creditor never responded to my numerous letters which I sent and also since they never the creditor responded in the appropriate amount of time they are guilty of violating the fair credit act. I owe nothing had to purchase from another company the items. This company is fraud never received any letter from creditor that account was going to collection or sold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi, I want to start off by saying no one prepared this dispute for me, I worked hard to research what to do in my situation. I just want it to be known that I XXXX XXXX prepared this document. I was trying to re finance my house and ran into a problem. I pulled my report and found some disturbing things. There were accounts that belonged to someone else, or someone has opened accounts in my name. I found numerous errors on my credit report. I haven't signed, nor opened any contracts with any of these companies listed in the Ftc report. I am a living human being, and I have been wrongfully taken advantage of. I have rights under 15 USC 1681. Transunion, XXXX, and XXXX has allowed for these creditors to violate me numerous of times. I demand these accounts listed be removed according to 15 USC 1681 I have a right to privacy and I did not give the 3 bureaus, these other creditors to furnish these accounts. It is illegal for an account to be opened without me giving consent to it, which I haven't ever been in contact with any of these companies. There are two more fraudulent accounts that was opened in my name XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX account # XXXX, once again I repeat, I did not give consent for these accounts to be opened. These should be removed as well as these un authorized hard inquiries, and these inquiries are attached to an open account, so in other word could you please remove these XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/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 2023-07-21
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
this is a notice of consumer findings regarding unfair and inaccurate practices. via Bridgecrest Acceptance Corp privacy policy and section 1692e ( 16 ) of the FDCPA. Bridgecrest Acceptance Corp privacy policy implicates and gives false representation as a means in connection with the collection of debt by operating falsely a consumer reporting agency by using nonpublic information and abusive debt collection practices to put my creditworthiness at a competitive disadvantage. it is a violation via 15 USC 1692e ( 16 ) for a debt collector to operate by a consumer reporting agency and give false representation or implications that they are doing so as proof see the privacy policy attached. The consumer reporting agency is in violation of marketing information, unfair and inaccurately backed on the exchange of information that should otherwise be excluded from a consumer report via 15 USC 1681a ( d ) ( 2 ). A consumer report should not include information solely as to transactions, communication of that information, also information that's used as an authorization of an extension of credit by the issuer ( me ) of a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX XXXX financial is reporting my account as late, paid off.. I made all my payments on time and need for the to update my account to paid off, paid on time, and need it to be updated on all three credit bureaus.. this has affected my credit tremendously

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 2023-07-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Checking account opened XX/XX/XXXX. I am a previous customer of BMO Harris ( last account closed XX/XX/XXXX ) and have existing login credentials. I attempted to log into my new account on XX/XX/XXXX using my existing login credentials and kept getting a message that my credentials weren't matching what they had on file. I called and spoke with CSR XXXX on XX/XX/XXXX. XXXX advised that I couldn't access my online account because my initial deposit hadn't yet hit the account, and to give it a couple days ; once my account was funded, I'd be able to access it. When I was still unable to access it on XX/XX/XXXX, I called again and spoke with CSR XXXX on XX/XX/XXXX. He looked into it and couldn't determine what the problem was ; he said he would open a ticket with their tech department and he would call me back in 2-3 business days to let me know the status. I never heard from him again. On XX/XX/XXXX, I called again, this time requesting to speak to a manager. I was transferred to, and spoke with, XXXX XXXX ( her phone number is XXXX ). She also could not determine what the problem was in my accessing the account ; she said she would submit an expedited request with the tech team and she assured me that she would call me back by the end of that day. I never heard from her again. I left voice mail messages for XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and never received a return call. As of this morning, I still can not access my online account, although two deposits have been made ( one of which is a payroll direct deposit ).

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

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 can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: IN
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:
I have attempted repeatedly to have XXXX XXXX XXXX report my mortgage payments to the credit bureaus by filing disputes. My mortgage is current and the payments have been timely the past 6 months, however, they are not showing the account as open, but closed and have not reported any payments whatsoever. This is crucial to my ability to improve my credit score which is also detrimental to acquiring work, credit and refinancing to name a few. I simply want them to report my payments to the three main credit bureaus : XXXX, XXXX and Equifax so that they have a record of my payments and show my account as open not closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: SC
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 the list of accounts I have attached in may letters have violated privacy 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 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 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information other than adverse items and criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 my computer was hacked by a scammer who gained access to my Chase Bank online account. Realizing what happened I promptly contacted Chase Consumer Protection and Fraud Customer Service. Several phone calls were made by me and recorded by Chase notifying them that I did not authorize a transaction that was made moving {$10000.00} from my Savings account to my Checking account. I informed the agent ( s ) that my computer was hacked and that all my online accounts must be shut down immediately to prevent any additional transfer of money. My online identity and my wife 's online identity at Chase were changed and I was told that would protect us. Despite being notified of the scam and asking that my accounts be shut down, onXXXX at XXXX XXXX  Chase negligently sent an International Wire transfer from my account in the amount of {$10000.00} to an unknown individual. I have made numerous telephone calls to Chase Bank Claims Department requesting they return my funds which I did not authorize to be wired. Chase has denied my claim saying they are not responsible for scams and had no information to know that it was not me who requested the wire transfer. However, they have a recording of my telephone calls 12 hours before they made the transfer explaining that my account was hacked and should be shut down. I feel Chase Bank was negligent in their fiduciary responsibility by transferring money from my account after being informed that a scammer gained access to my account, and I wanted all transfers frozen, and my account locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: LA
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 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, 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 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 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 2022-09-30
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
While Reviewing my credit report I found a collection I have disputed already from MERCHANTS CREDIT GUIDE XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX for {$570.00} - I called the number gave my information and was immediately sent to a " Supervisor '' who told me my balance was over {$1000.00}. As I asked question about this collection the individual became increasingly agitated and continued to talk over me. 

Timeline- 2020, visited Doctor XX/XX/2020 settled all accounts at that time. 
- Received Collection notice - - Called Doctor to see what had happened and was told no debt owed. Asked to check if there was a collection- Told no - Contacted collection company and got nowhere in requesting documents of the debt - Received nothing - Contacted collection company told would send documents NOTHING SENT

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: FIRST HAWAIIAN, INC.
State: HI
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 had a pay off amount of {$14.00} that I paid in full for my car loan. I have receipts of payment in full and recieved my car title but they reported a delinquent. It is still reported on my credit report as a delinquent. I would like this error to be removed due to first Hawaiian banks error.

Company response to consumer: Closed with non-monetary relief