BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-31
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I recently applied for a XXXX XXXX XXXX in store. I was granted credit and filled out an application and supplied my home address ( XXXX XXXX ). My name and address was verified by the store representative based on my state issued picture id I provided. My card was issued by Comenity Bank and mailed to XXXX. The resident there was kind enough to deliver the misaddressed mail to me XXXX this has been happening frequently ). Comenity Bank disregarded the ( correct ) address used on the application, Comenity Bank then changed the mailing address and mailed the card to the address provided by my credit reports ( wrong ). I also question how they changed my name to a unique blend of my married and maiden names. I have contacted Comenity Bank and allegedly they have corrected the issue ... ... Until they are again supplied incorrect information from my credit reports ... ... It seems to be a vicious circle of constantly evolving incorrect data. 

reference CFPB complaints : XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment duringXX/XX/2020. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03
Company: Early Warning Services, LLC
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: Information belongs to someone else

Complaint:
In XX/XX/2022, I requested my consumer report from Early Warning. On XX/XX/2022, Early Warning sent my consumer report labeled as " Comprehensive File Disclosure. '' After reviewing and seeing all my information that Early Warning has been providing to financial institutions, Early Warning is committing identity fraud and violating privacy protection for consumer information. Early Warning has not received written permission from me to disclose such information. I have no contract or agreement with the company to furnish my personal information ( name, SSN, address, phone number, Drivers License #, and banking information ) to any person or corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions 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:
I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : 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 explanation
Consumer complaint received 2022-07-20
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:
This is XXXX XXXX, and I appreciate you taking the time to repair and update some account from my credit report ; however, there is still account that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is fixed. 
XXXX XXXX XXXX : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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:
This is XXXX XXXX, and I appreciate you taking the time to repair and update some account from my credit report ; however, there is still account that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is fixed. 
XXXX XXXX XXXX : {$1300.00}

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 2017-08-31
Company: ABR Recovery Services LLC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2017 I received a letter offering a pre-reporting settlement offer on a credit card debt by a collection agency ( ABR ). Per the letter I had 30 days to dispute the validity of the claim of debt owed. I sent in a letter explaining that this debt had come from identity theft that had happened several years ago and had been cleared up on my credit report. I had asked for proof of ownership of the debt, including but not limited to my driver license number, a signature, or anything else showing this debt to be mine. I did not receive a response back, instead they reported this collection on my credit report with XXXX. This debt had been settled years ago, and removed from my credit report years ago as it was found that several accounts had been used without my authorization. This should have been long ago settled. To see this collection was sold off again and reappearing on my credit report seems to be abuse of credit collection tactics. I complied with writing a letter disputing the claim which should have kept them from being able to report on my credit until this matter was resolved. ABR also included on my credit report that this account was first deliquent XX/XX/2017, thus starting original debt in question, all over. This original debt is nearly 7 years old and took me nearly 3 years to have removed and go through the identity theft process. Thank you for looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: NV
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 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 & block any accounts or information which is 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 files. 
EXPERIAN : XXXX XXXX CT XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 account is 100 % 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.

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 2018-05-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection letter from Portfolio Recovery Associates ( SEE 1 ) concerning a debt from XXXX XXXX XXXX. The letter was not mailed to my address, but used a relative 's mailing address. My debt to XXXX XXXX is from XXXX as shown on credit report from XXXX ( SEE 2 ). Also the XXXX date is evidenced by letter from XXXX XXXX XXXX ( SEE 3 ). The outdated XXXX XXXX debt from XXXX has been sold and resold over and over again to junk debt buyers from XXXX XXXX XXXX ( SEE 3 ), XXXX   XXXX XXXX ( SEE 4 ), and XXXX XXXX  ( SEE 5 ). 
In between debt sellers and buyers, my last name and account number was changed. 
My last name change can be attributed to changes on my credit report that the debt buyers had access to. 
The account number was first changed on the XXXX   XXXX XXXX letter and again on the XXXX XXXX letter. 
XXXX XXXX XXXX  did not issue a new credit card to me after the XXXX closing of the original account. That is not logical! If by some chance they did issue a new card, I did not receive it nor have made purchases ; hence, fraud is involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: ALLY FINANCIAL 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:
XXXX is not following the FTC, they are still not taking credit inquiries off that have solid proof that I did not authorize the companies to ran my credit. I am trying to purchase a home and the loan officer wants these hard inquiries off. XXXX is refusing and I need help because they are going against the law and not doing what is right. 

There are several inquiries on my credit report that need deleted immediately.

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2020-06-22
Company: Westcreek Financial
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reviewed my account through the company web portal for customers. I learned that my payoff amount was XXXX on XX/XX/XXXX. I EXCITEDLY, whipped out my debit card for payoff amount. The ledger showed that I was paid off. The company the next day takes an additional amount of XXXX on XX/XX/XXXX. I made an inquiry about this amount, after being antagonized by the supervisor ( the csr did a warm transfer stating what my problem was ) XXXX said that my payment was scheduled to be withdrawn from my account prior to the payoff, and the payoff amount was added to regular payment. 

There is no stipulation suggested or any other practices explained that this is the practice. Which I find to be unethical. YOU can not state my amount is to payoff is XXXX XX/XX/XXXX. legally take more money after the ledger suggest I'm paid off. I have paid over XXXX on a loan that should have only cost me XXXX. So why be concerned if I've already overpaid. Because this practice is unethical and I want my XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have several discrepancies on my credit report that I have reported to the credit bureau. The credit bureaus have my name as XXXX XXXX XXXX and is incorrect. I have a collections that I disputed for XXXX and they do not have it listed as disputed and nor was it removed from my report. XXXX XXXX bank and XXXX XXXX is the same account and I have disputed that with the bureau as duplicated and nothing was done.Also, the amount is incorrect. XXXX XXXX is reporting something that was paid in XX/XX/2012 and showing as a XXXX balance. West Virginia Statute of Limitations on Debt Collection is five years. W. Va. Code 55-2-6 ( 1923 ). I have a collection XXXX XXXX for {$80.00} that is over five years on my file that is incorrect. I have disputed the record and it was not taken off.

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 2022-07-20
Company: General Motors Financial Company, 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:
XXXX is not following the FTC, they are still not taking credit inquiries off that have solid proof that I did not authorize the companies to ran my credit. I am trying to purchase a home and the loan officer wants these hard inquiries off. XXXX is refusing and I need help because they are going against the law and not doing what is right. 

There are several inquiries on my credit report that need deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Remitly, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Remitly charge me XXXX for a express transaction ( immediately ) it has been 5 days, made my family waste cab money because they lie about some verification with their partner. And has made it very difficult to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: ID Analytics, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Letter sent XX/XX/19 asking for copy of consumer report was ignored by company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights.

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

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-07-20
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights.

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

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, 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'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
6 mos. ago, I had looked at my XXXX credit report and found, along with the other 2 major reporting agencies, that someone had been putting bogus and illegal and fraudulent info. on my report. I tried to dispute this with all 3 credit reporting companies and they not only would not remove all the wrong info., what they did remove is now back on and they will not allow me access anymore. I found out by XXXX sending me an updated report the other day. Why are you not correcting this fraud that the credit reporting companies do? Why are they not getting consequences for their actions and ineptitude? Why do they allow anyone more access and changing ability to MY name and report than I have, or am able to do with MY report and name? I can file a suit with the courts myself, but why should I have to? Come on ... ... .make the laws work an stick like you 're supposed to!!!

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX Balance : {$0.00} ; DOE XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/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 2022-08-14
Company: Thunderbird Collection Specialists, Inc.
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have debts that dates are so wrong and from different state I don't live in. I'm getting affected by accounts that were closed. That aren't mine. I've tried disputing them and I'm getting nowhere with it. Credit karma is helping but XXXX is making this difficult.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation