BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
IRS Publication 2020 Instructions for Forms 1099-A and 1099-C clearly state charge-offs are to be reported as income when filing taxes. Income can not be reported on credit file therefore this item should be removed with prejudice. It is my belief that XXXX XXXX XXXX are well aware of the tax laws and and are committing this act of fraud against me intentionally. I request that this charge-off, which is in itself a fraud, be removed with prejudice from all 3 major credit bureaus and also ask that they be sanctioned for this deliberate act of fraud which has cost me dearly.

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 2023-10-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: VA
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: CO
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:
I am writing to express my dissatisfaction with the inaccurate information present on my credit file reported by EQUIFAX. The details in question lack proper certification, validation, and physical verification, rendering them questionable and not proven to be valid. My address is XXXX XXXXXXXX XXXX XXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX, born on XXXX. I have identified potentially duplicative and unquestionably dubious requests on my credit record, lacking any authorization from me. As a consumer, I am within my rights to request the prompt removal of these late payments, as they violate both federal and state consumer/civil rights. This complaint serves as a formal request for compliance with FACTA Title 1 Section 151, which explicitly mandates a clear description of the reporting process. This issue pertains to the accuracy of data and the reporting procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
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:
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. 

( 1 ) XXXX XXXX XXXX Account # - XXXX has violated my rights. 

( 2 ) XXXX XXXX XXXX Account # - XXXX has violated my rights ( 3 ) XXXX XXXX XXXX Account # - XXXX has violated my rights ( 4 ) XXXX XXXX Account # - XXXX has violated my rights ( 5 ) XXXX XXXX  Account # - XXXX has violated my rights ( 6 ) XXXXXXXX XXXX  XXXX XXXX Account # - XXXX has violated my rights ( 7 ) XXXX XXXX XXXX XXXX Account # - XXXX has violated my rights ( 8 ) XXXX XXXX  XXXX Account # - XXXX has violated my rights ( 9 ) XXXX XXXX XXXX Account # XXXX has violated my rights ( 10 ) XXXX XXXX XXXXXXXX Account # - XXXX has violated my rights ( 11 ) XXXX XXXX  Account # - XXXX has violated my rights ( 12 ) XXXX XXXX Account # - XXXX has violated my rights ( 13 ) XXXX XXXX  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 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 take any consumer report containing any of the following items of information. Any other adverse items 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 non-monetary relief
Consumer complaint received 2022-06-27
Company: Bread Financial Holdings, Inc.
State: PA
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 been trying to pay several Comenity Bank cards since Thursday. They keep telling me their system is down. I tried to call today and the message said they were closed for the day. I am worried about getting late fees for a problem that is not mine. It was for my XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, All Rewards XXXXXXXX XXXX XXXX IKEA cards. The payments are due on or around the first of XXXX. Are they having a problem or do I need to worry?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
In Accordance with the Fair credit Reporting act 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 an 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 explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on XX/XX/2022 i sent letters to XXXX, XXXX and transunion about accounts that were opened with identity theft, they didn't remove all the accounts that was listed as id theft and thats against the law. i sent letters again to XXXX, XXXX and transunion on XXXX because they didn't remove XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX eventhough its id theft and i sent my ftc they still failed to delete it eventhough by law ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. they are breaking law please make them follow law and delete

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 2022-11-29
Company: PRIMAVERA FINANCIAL, 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 went last year and got dental work. I used a credit service to help pay the remaining balance. With the company, they're require you setup account on autopay. Which I did. My finalize report showing late fee charged when you can't be late if you're setup autopay. XXXX of this year, my account would have been paid in full. I did have an issue on two payments, but I paid. XX/XX/2022 I paid account in full and the account was closed. But they're still reporting to credit agencies that I have delinquent account, which is not true. It has made my credit score drop 8points and how it went from fair to poor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have recently been laid OFF bcoz of the covid-19, so I was put on unemployment a month ago. Originally I tried to do direct deposit, so I called up unemployment and they told me It went on a card.. so I called up US BANK and waited for an hour and a half to talk to someone, they told me that unemployment had put my money on a card that was old and the card was expired, the representative told me they would send me out a new card and to destroy the old card, which I did.. they said it would take 5-7 business days, I said OK. So today is the 6th business day of waiting and still no card so I decided to call them back to check on the status of the card.. now I understand they are extremely busy, so I waited for 4hours on the phone to talk to someone and still no one and all I wanted to know was the status on where my new card is.. I tried so many times to talk to someone. I need that card to pay bills. The wait time was ridiculous. I have tried several times to call, waited over 4hours on XX/XX/2020 and still no response

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 2022-04-25
Company: EQUIFAX, INC.
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:
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. 

( 1 ) XXXX XXXX XXXX Account # - XXXX has violated my rights. 

( 2 ) XXXX XXXX  XXXX Account # - XXXX has violated my rights ( 3 ) XXXX XXXXXXXX XXXX Account # - XXXX has violated my rights ( 4 ) XXXX XXXX Account # - XXXX has violated my rights ( 5 ) XXXX XXXX Account # - XXXX has violated my rights ( 6 ) XXXX XXXX XXXX XXXX Account # - XXXX has violated my rights ( 7 ) XXXX XXXX XXXX XXXX Account # - XXXX has violated my rights ( 8 ) XXXX XXXX XXXX Account # - XXXX has violated my rights ( 9 ) XXXX XXXX XXXX Account # XXXX has violated my rights ( 10 ) XXXXXXXX XXXX  XXXX Account # - XXXX has violated my rights ( 11 ) XXXX XXXX Account # - XXXX has violated my rights ( 12 ) XXXX XXXX Account # - XXXX has violated my rights ( 13 ) XXXX XXXX  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 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 take any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ
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:
The company mailed out to me a pre-approval letter on or around XX/XX/2023. I responded to the offer that stated i would receive an approval in as little as XXXX seconds. That did not happen so then I received an email stating that its under review and this action can take up to 1 to 2 business days. 2 days has passed, I received another email that stated that i was approved tentatively pending receipt and verification of my employment status. i uploaded the required documents and later that day I received a phone call from a PenFed representative stating that they will have to call my employer to see if i worked there. Something i never heard of before from an institution that is approving you for a Credit Card. The next day I called and had questions on why they would need to call my employer direct, after I've uploaded ; requested documentation that was sufficient enough to validate my identity and annual salary. This went on from XX/XX/2023 XXXX. I spoke with several PenFed representatives and was told different theories and reasonings on why my application process was taking so long. I was told PenFed reached out to my empolyer and my employer had to call a number in 48 hours ( which if the company stated they reached out to my employer than that should have been determined that i was an employee ). I was told that they were waiting on a letter from my employer because of my annual salary ( which I know personally that was false ). I was also told that my employer had to upload documents. As you can see all of these hurdles and obstacles because PenFed probably did not think i was telling the truth about my annual salary which is alarming and shameful. I have a great credit score as well as high balance cards due to how i maneuver with my credit profile and my annual salary. In conclusion, I believe it was False advertisement on their behalf as well as discriminatory practices and this situation should have been handled differently.

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 2020-04-16
Company: TMX Finance LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from XXXX, they left a message. I called back and they stated that I owed over 1100 for a {$500.00} loan that was taken out in 2014 from the company Instaloan. I told them that I never had a loan through there and they insisted that I pay to avoid legal action taken against me or it affecting my credit. The asked if I had a XXXX account and was it always the same. I only stated that it was not the one that they provided. I called Instaloan and they stated that they had no record of me ever having a loan and the only way that I could do so if I lived in Georgia or Florida which I have never lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They called on the following dates : XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, and today XX/XX/XXXX at XXXX. I get multiple spam calls daily as well for the same creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: IL
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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting 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:
On XX/XX/2023 I'm trying to update my report, However I keep receiving an error stating that they can not show todays 3-bureaus report. This might mean that Equifax was no record of your credit history or different personal details to you on file until this issue is resolve you won't be able to see your report. 

I'm not sure what is happening but I ensured none of my reports are locked or frozen and I still can not acces my report. Please help me to resolve this case because it causing me alot of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, In accordance to the fair credit reporting act my right have been violated 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2. A consumer reporting agency can not furnish an account without my written consent 15 USC 1666B. a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose I am requesting all late payments to be removed from my credit reports but especially late payment that is on my credit report regarding a late mortgage payment.

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 1

5 USC 1681. 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 non-monetary relief
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 recently reported fraud on my account and I notified TransUnion, XXXX and XXXX and all of them closed my report without even looking into it, which is absurd. I need all 3 companies to do a full on investigation into this because it is affecting my credit. I would like to know what steps they took to investigate this fraud, how will it be prevented in the future and I will like it mailed to me as well. None of these companies proved these accounts are mine and they are reporting false fraudulent information and if not corrected, will definitely be added in a lawsuit I will be filing against them. I will also send this to the attorney general office just for a back up, cause I don't understand how a fraud case is being ignored.

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