BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-27
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
The comenityXXXX  site ( to access my BJs Perks Mastercard ) has been down for about a week. The message on the page says : Important notice : due to a scheduled system update, our website can only accept same-day payments at this time. We appreciate your patience and apologize for any inconvenience. 

There is no additional information, most notably no expected return date. There was also no advanced warning or notice, and customer service is unable to provide any information. Im quite concerned that there is something beyond a simple scheduled system update perhaps a crash, or worse, a data breach or hack. 

Any competent business performing a scheduled system update would provide an outage window and advance warning. Consumers deserve better.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: MD
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 2. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 3. Identity Theft XXXX Account Number : XXXX Delete this account. 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: EQUIFAX, INC.
State: GA
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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Identity Theft XXXX  Date of inquiry : XX/XX/2020 The inquiry was not authorized please removed it from my credit report This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
Account Number : XXXX Please remove it from my credit report. 
5. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have attached and FTC report with an account and inquiries I did not authorize

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: EQUIFAX, INC.
State: FL
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 have attached an FTC report with an account and inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Citbank credit card application filed in my name that I did not apply for. I was noticed XXXX, XXXX  by Citibank, then received an application denial XX/XX/2022. There was a hard inquiry to XXXX filed based on the application on XX/XX/2022. XXXX was notified of this XX/XX/2022.

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: SANTANDER HOLDINGS USA, INC.
State: MS
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:
SANTANDER CONSUMER USA Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accordance with the Fair Credit Reporting act Convergent 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 furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
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:
Today is XX/XX/2022 and Ive been trying to make payments on credits card that I have with Comenity Bank for days and the systems are down and Im unable to make payments. When you call customer service its say the offices are closed until further notice.Due to these issues I will incur late fees at XXXX each due to a system outage.The online website says my accounts are closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-28
Company: U.S. BANCORP
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:
Good morning, I reviewed my credit reports through XXXX, XXXX and XXXX and noticed several fraudulent accounts opened in my name without my permission. I am victim of identity and I did not benefit from any goods or services of these fraudulent accounts. 

I am requesting for your company to remove and delete these fraudulent accounts immediately and report these deletions to all three major credit reporting agencies immediately. I have attached a copy of my FTC report and police report to this correspondence.

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 2022-09-21
Company: Experian Information Solutions Inc.
State: MD
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$18.00} XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

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: CA
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:
With Comenity Bank, I have both the XXXX  XXXX  XXXX  and XXXX XXXX. For my XXXX XXXX XXXX, I have been trying to make a payment since XX/XX/XXXX since my payment is due on the XXXX of each month and have not been able to log in. It stated the system was updated. Have checked every day and it states it is still being updated and it has now been going through a " planned system update '' that has been taking a long time now. I've called to make a payment by phone and no one answers either. I just want to make sure I don't get charged a late fee and have my credit score go down. When I call it states their offices are closed ... and now even my card is being declined. 

For my XXXX XXXX account, the same thing is happening. I can not log in, that payment is due on the XXXX and I can't seem to log in either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-29
Company: LDF Holdings, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/2022, I sent a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Evergreen Services and can confirm that they received the document ( attached to this complaint ). On XX/XX/2022, Evergreen Services debited {$190.00} from my bank account. I never authorized this transaction or rescinded the XXXX XXXX XXXX to XXXX XXXX Funds Transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
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: Account status incorrect

Complaint:
An account with XXXX was delinquent in XXXX and listed as charged off in XX/XX/XXXX. The account has remained in that status since. XXXX contacted all 3 bureaus and has the account updated to reflect closed as of XX/XX/XXXX. This action caused my credit score to drop by more than XXXXXXXX XXXX I have successfully disputed this with XXXX but Experian and XXXX will not correct the error. 

I am not disputing the debt but the information about when the account was charged off is incorrect and multiple credit reports generated prior to XX/XX/XXXX will show the first delinquency and the original charge off date.

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 2022-09-21
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$570000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$570000.00}.

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 2022-11-29
Company: JPMORGAN CHASE & CO.
State: AZ
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 had extensive Fraud and incorrect Credit Card Reporting incorrect information. I requested a Freeze on my Credit Reporting but have not received a confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: TX
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:
ON COMPLAINT XXXX EQUIFX REPLIED WITH VERIFICATION OF THE ACCOUNT. I DIDNT ASK VFOR VERIFICATION OR VALIDATION .I PROVIDED EVIDENCE ON MY CREDIT REPORT THAT THE ACCOUNT ISNT SHOWING ACCURATE INFORMATION AND SHOULD BE DELETED BY LAW UNDER CONSUMER LAW. THE ACCOUNT IS SHOWING DIFFERENT INFORMATION ON ALL BUREAUS, THEREFORE IT IS CLEARLY INACCURATE AND IS A VIOLATION OF CONSUMER LAW. VERIFICATION ISNT WHAT I ASKED. THE INFORMATION IS ISNT SHOWING THE SAME ON THE OTHER BUREUAS. IT IS ILLEGAL TO REPORT INACCURATE INFORMATION. THEY PROVIDED VALIDATION AND THAT DIDNT FIX THE FACT THE INFORMATION THEY ARE REPORTING IS INACCURATE. THEY IGNORED 15 U.S. Code 1681i PER THE LAW 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information  ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The Fair Credit Reporting Act protects me from companys reporting negative information. 15 U.S.C. Code 1681 protects me for accuracy and fairness of credit reporting. 
On the XXXX of every month XXXX XXXXXXXX XXXX  received a payment from me but has failed numerous times to update my account with no current update after contacting them to address the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16
Company: HANCOCK WHITNEY BANK
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XX/XX/2020- My last day of work XX/XX/2020- XXXX XXXX XXXX had already cancelled events and was shutting down the city. 

XX/XX/2020- XXXX automatic payment comes through my account and Im charged an overdraft fee. I call the bank to explain that I do not have money and will be unable to pay for the XXXX bill and asked if they could please refund the overdraft fee. The lady on the phone told me that if I did not have any money in the account they would keep charging fees, so it would be better to call when I get a better outlook of my financial situation. 


XX/XX/2020 I Called Hancock at the number provided on website. That phone number connected me to a branch in XXXX, Louisiana. I spoke with the lady about my issue and she told me she could not help and I would have to contact my housing branch in XXXX, LA and gave me a number to call. 

I call the XXXX Hancock branch I get voicemail. Then I decided to call the XXXX-Hancock location and I was told that I would need to contact my housing branch in XXXX. 

I call Hancock one more time. VoicemailXX/XX/2020- I call the XXXX- Hancock and I explained the entire situation to XXXX and asked if he could please refund me the money bc I didnt have the money in my account and I havent worked in weeks. The account continued to be in the negative and the bank charges totaled to {$400.00}. XXXX informed me that he could only refund 2 overdraft fees bc I should have called my creditors to stop payments. And I informed XXXX that I called my creditors right away and the only reason my bank account was negative for so long is because I couldnt work, Im quarantined and waiting for some money from unemployment. He told me there is nothing he could do about the charges and that I should talk to my creditors about the issue. He would only refund 2 deposits. I got my lawyer on the phone and I had him talk and the lawyer was told the same thing. 

Today I finally received unemployment that I applied for but the bank fees were taken from that deposit leaving me with little money to pay my rent. 

I am so angry and disappointed because all of my other banks were very understanding and helped. At Hancock Whitney I was only allowed To speak to 1 person about my account. I dont know what the deal is but this should be illegal, if it isnt already. I am self-employed and 1099 so it took a little longer for me to get my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: NV
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXX using a XXXX party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
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:
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

XXXX. XXXX is reporting my loans with different account numbers breaking the loan down instead of one account number for all the loans combined, they are not seperate. 

XXXX. XXXX XXXXXXXX XXXX XXXX as well as XXXX XXXX XXXX are reporting the same amount with different account numbers as if they are two seperate debts. XXXX XXXX XXXX XXXX sold the account to XXXX XXXX XXXX in which I did not give consent 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