BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: CO
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  Accounts 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  Bankruptcy XXXX, Bankruptcy XXXX has violated my rights. 15 U.S.C 1681 section 602 A. Section 1 States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 States a consumer reporting agency can not furnish a account without my my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-05-11
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I closed my Comenity Loft Mastercard in XXXX of XXXX. I sent an electronic payment through my bank bill pay ( XXXX ) on XX/XX/XXXX in the amount of {$390.00} payable to Loft Mastercard payment clear date was XX/XX/XXXX for account number ending in XXXX. This amount paid off my entire balance due. I closed this account and made no additional charges on this account. 

Comenity never credited my account for this payment, and I began receiving past due notices/bills the following month. I called Comenity customer service and told them that I had already paid the balance in full. 

I continued to receive past due statements and incurred finance charges and interest charges on the amount even though I paid it in full. I continued to call every month to tell them that I had paid the balance in full in XXXX. 

Comenity asked my bank to provide a proof of the electronic transmittal form, which XXXX did in XX/XX/XXXX and again in XX/XX/XXXX. I mailed proof of payment along with a letter explaining the issue in XX/XX/XXXX and then again via certified mail in XX/XX/XXXX. I also submitted this online as a secured message on the Comenity site and provided the document proof of payment from XXXX. 

I have contacted Comenity every month to get this resolved, they say that the dispute department is handling it, but they said I can not call the dispute department they only communicate via email or XXXX mail. 

I went to XXXX and had the XXXXXXXX XXXX branch manager confirm that the payment was sent in XXXX as I stated above. In one letter, Comenity said they received my payment and then returned my payment due to an invalid account number. That is inaccurate because the account number listed on my transmittal was correct. My XXXX XXXX branch manager double checked just to be sure and neither XXXX nor me received any payment back from Comenity. Then in another letter they said they never received the payment. How can they say they received it and then say they didnt receive it? ( Im attaching both of those letters for your review as well. ) To make matters much worse, Comenity has reported me in collections to the credit companies and my credit score has dropped more than 100 points. THIS IS NOT GOOD. 

I have tried everything to get this resolved, I am so discouraged. I paid the amount in full when it was due and there should be no finance charges, late fees, or interest payments due, but because they never gave me credit for the payment, they keep sending me bills with interest and late fees. 

I am attaching the proof of payment provided by XXXX as well as the conflicting Comenity correspondence. Please feel to reach out to me and I will answer any questions you have regarding this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TO TRANSUNION This letter is a formal complaint because you are continuing to violate my Consumer rights : -YOU NEVER EVER PROVIDED ME THE REQUESTED DOCUMENTATION YOU USED TO VERIFY MY DISPUTES, NOR DID YOU EVER PROVIDE ME ANY WRITTEN PROOF OF YOUR INDEPENDANT INVESTIGATION INTO MY DIPSUTES. 
-YOU NEVER EVER conducted a reasonable reinvestigation of information on my consumer 's credit report, alleged by me, the consumer, to be inaccurate. YOU ARE THEREFORE VIOLATING 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1982 ), -YOU ALWAYS RETALIATE ALL MY DISPUTES WITH AN INTENTIONAL CREDIT SCORE DROP.

-YOU MOCKINGLY SENT ME YOUR PHONY INVESTIGATION RESULTS WRITTEN IN SPANISH -YOU CONTINUE TO ONLY USE e-OSCAR- A CLEAR VIOLATION- AS MENTIONED IN CUSHMAN vs. TRANSUNION THIS IS A FINAL WARNING THAT YOU NEED TO STOP CAUSING ME DAMAGE AND FINANCIAL HARDSHIP BY IGNORING CFPB RULES FOR THE LAST 8 Months. 

XXXXXXXX XXXX XXXX Account number XXXX PLEASE REMOVE THIS ACCOUNT, because it is UNVERIFIED, UNPROVEN, UNTRUE AND NOT MINE AND ALSO THIS IS NOT A VALID CREDIT CARD NUMBER. 

XXXX XXXX Account XXXX **** PLEASE REMOVE THIS ACCOUNT, because it is UNVERIFIED, UNPROVEN, UNTRUE AND NOT MINE. 

I reserve the right to sue your Company for violations of my Consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

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 2022-11-25
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recieved a new report on my consumer report from LOCKHART, MORRIS & MONT which damaged my credit from a old medical debt that I asked them to verifiy. XXXX XXXX XXXX is the original creditor but they sold this account three different times and I reported this to the credit bureaus because of inaccuracy of this account. 

From my understanding medical debt should not be reporting to my consumer report as of XX/XX/2022. Why was this allowed? This violated HIPPA laws and all. My information should have not been sold. It is confidential information. 
The amount is {$110.00} Account number is XXXX... 
Date status reported : XX/XX/2022

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: CBC Companies, 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:
In XXXX, 2021, I filed an FCRA request with Innovis to correct inaccurate information on my credit report. Innovis has been reporting for years that my account balance with XXXX XXXX XXXX is in dispute, when no dispute exists. I had previously been questioned about this while applying for a mortgage. 

Innovis responded that they verified the information as accurate. I subsequently requested a reinvestigation, and Innovis responded identically. I then requested a description of the verification procedure, and Innovis refused to provide one, in violation of Section 611 ( a ) ( 7 ). Innovis instead told me verbally that they relied upon information from XXXX XXXX XXXX, and I should request a letter from XXXX confirming my account status. 

Therefore, I contacted XXXX XXXX XXXX. XXXX denied knowledge of any current dispute. I requested a verification letter affirming this, and XXXX verbally agreed. XXXX then wrote a letter claiming that they couldn't provide any information about the alleged dispute on my credit report because it was reported through the credit reporting agency. 

Thus, both Innovis and XXXX are pointing fingers at each other, saying that they don't know anything about why my account balance is showing up as being in dispute. Additionally, Innovis has, without my consent, added a notation to my credit file indicating that I dispute that my account is in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Please refer to my previous complaint XXXX on X/XX/2017 This a fresh or new complaint about the same card product.
I have added this card into my userprofile at americanexpress.com which already had my blue rewards card.
When i have all my cards added to my user profile - why did n't the new card ( Delta Skymiles card ) are having auto pay setup as per the user profile? and Amex can not have the excuse that we have to verify the bank account or user might wanted to pay using some other way - that 's all lousy excuses. Moreover I have constant issue with the customer service chat : 1 ) I can not save, print or sent the chat via email - every other financial institution let me do that - why not Amex? Is Amex does n't want to be on the record?
2 ) As per AZ law every conversation that i am part of should be recorded by me - if Amex is recording the chat - why not me?
3 ) And why it is so difficult to reach the customer service? Almost a wait of 9 minutes on the chat. Is this what Amex is bragging about JD Power Customer satisfaction award?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Starting XX/XX/2022 I began written correspondence via e-mail, later phone calls, with the store manager of my local TD Bank branch that later included regional and operations managers about a number of matters including : acceptance of assignment as successor agent under DPOA ; access to copies of the banks records, transactions, history of correspondence and telephone notes, and profiles for my accounts and those for which I have responsibility as agent under DPOA for my elderly mother and necessary for the estate administration of deceased relatives. 

The bank has repeatedly refused to supply written documentation of these items and supplies no ability to report activity related to fraud or possible identity misuse except verbally over the phone. 

The bank supplies no written confirmation of discussions, actions to be taken, or those taken. Information supplied verbally over the phone is often incomplete, incorrect, or contradictory to previous statements and information on the Banks own website. For example, yesterday, the Banks customer service department reported a invalid phone number associated with one of the accounts, but the fraud department ( to whom I was transferred on the same call ) reported no record of that phone number. 

The reason for yesterday call is that transactions shown on the on-line portal have lines that end with the XXXX language symbol for XXXX XXXX. The TD Bank fraud department acknowledged this as a comprise of the accounts, and initiated a lock down of the accounts and profiles, but stated that their processes do not provide for supply of written confirmation of actions taken, time lines, or instructions for me to follow at my end to reestablish new accounts, profiles, user names, passwords or keypad PINs, or to confirm the accuracy of the report in the Banks records. They admitted that they, and the local branch, were on different systems and could not always see the same information about my accounts and profiles. 

The complete e-mail chain is available but contains personally identifiable information so I am not supplying it at this time. 

Contacts at TD Bank NA, XXXX, NH involved in these communications include : XXXX XXXX, XXXX, VP Store Manager, XXXX NH XXXX XXXX, XXXX, Regional Retail Office Manager XXXX XXXX, XXXX, VP and Regional Operations Manager TD Bank Fraud Department : XXXX XXXX XXXX TD Bank Customer Service Department : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & delete any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items from files. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-06-06
Company: EQUIFAX, 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:
I DIDNT GIVE THESE COMPANIES AUTHORIZATION TO RUN MY CREDIT REPORT. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX # XXXX and XXXX, XXXX XXXX XXXX  # XXXX, XXXXXXXX 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 XXXXXXXX XXXX # XXXX and XXXX, XXXX XXXX XXXX # XXXX and 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 an account without my written instructions. 

Also these accounts are reporting inaccurately and shows differend kinds of account numbers : XXXX XXXX XXXX XXXX and TransUnion XXXX, XXXX XXXX XXXX XXXX and TansUnion XXXX XXXX XXXX XXXX XXXX and TransUnion XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the fair Credit Reporting Act. XXXX, XXXX, and Equifax have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

According to the U.S.C 1681 Section 602 A. States i have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}

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 2022-06-23
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: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the courthouse asking do they report " Dismissed '' XXXX XXXX bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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