BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
We have attempted to close the account and pay an agreed settlement with comenity capital bank and XXXX XXXX XXXX XXXX. We have spoke with the company more then 20 times trying to get them to send the proposed agreement to us. We have spent hours talking to multiple representatives supervisors, managers, and every single one had a different policy or answer as to why we have not received a confirmation letter of any kind. Each of the dozens of people we have spoke to has given us different answers for when we will receive this agreement and receipt confirmation ( 1 hour, 2 days, 6 hours, 30 days, etc. ) which has been going on since XX/XX/XXXX. We have yet to receive a single promised agreement, receipt confirmation or communication. The agreed amount of {$2900.00} was finally taken out of our checking account on XX/XX/23 with no receipt given. I have never in my entire life dealt with such a crooked, dishonest company. All we are trying to do is reconcile this matter. They have our money but will now verify it in writing. We have also filed a complaint with the FTC regarding this issue. They are a company that tries to put off customers by passing you on to the next representative or supervisor in the hope that the customer will give up. We are also going to file a complaint with all the credit bureaus because they have reported and dinged our credit score, which could have been avoided if this was handled properly. The initial charges on the account were taken without the dental work being completed properly ( XXXX XXXX falling out 3 times and we are still waiting for the work to be completed properly ) Unfortunately we have no supporting documents because they have never responded to us. I do have phone numbers and names of supervisors if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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: EQUIFAX, INC.
State: IL
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:
It's been WELL over 30 days since my first attempt to get PROOF and MY SIGNATURE and or the ORGINAL application or contract that Okayed any of these companies to view my credit ON ANY DATE or a specific date due to a duplicate inquiry or no consent. 
Legally these inquiries have to be removed!! I have attached the list and all are INCORRECT/INACCURATE/DUPLICATE/NOT APPROVED by me. My last 3-6 request to get these removed shows the laws you let these companies and are now violating.. 

Show proof of an open account or the orginal DENIED application with my signiture PLUS proof I wasn't denied due to OTHER INQUIRIES that should had not appeared on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
It's been WELL over 30 days since my first attempt to get PROOF and MY SIGNATURE and or the ORGINAL application or contract that Okayed any of these companies to view my credit ON ANY DATE or a specific date due to a duplicate inquiry or no consent. 
Legally these inquiries have to be removed!! I have attached the list and all are INCORRECT/INACCURATE/DUPLICATE/NOT APPROVED by me. My last 3-6 request to get these removed shows the laws you let these companies and are now violating.. 

Show proof of an open account or the orginal DENIED application with my signiture PLUS proof I wasn't denied due to OTHER INQUIRIES that should had not appeared on my account.

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 2023-10-09
Company: Experian Information Solutions Inc.
State: LA
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:
Subject : Demand for Deletion of Late Payments on Credit Report Dear Sir/Madam, I recently reviewed my credit report from XXXX and have identified discrepancies pertaining to late payments reported on my account. I would like to bring to your attention the accounts in question, along with their respective account numbers : 1. [ XXXX XXXX XXXX ] - Account Number : XXXX 2. [ XXXX ] - Account Number : XXXX After a closer examination of the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681b, it is evident that there has been a violation of my consumer rights. The law explicitly states : GENERAL : According to subsection ( c ), any consumer reporting agency may furnish a consumer report under certain circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I must inquire whether I provided written instructions for the inclusion of these late payments in my report. If not, it is essential to rectify this issue promptly. Additionally, according to the FCRA, 15 USC 1681 ( 2 ) ( a ) ( i ) regarding exclusions from a consumer report specifies : Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include, subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. Because of this, I kindly request the removal of the aforementioned late payments from my consumer report as they may be in violation of 15 USC 1681. I look forward to your prompt attention to this matter and a timely manner. Thank you for your assistance in ensuring the accuracy and compliance of my credit report with applicable consumer protection laws.

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 2022-08-22
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: Account information incorrect

Complaint:
I filed a complaint against Equifax as it pertains to two hard inquiries that were reporting on my credit report. That of XXXX dated XX/XX/2021 and XXXX dated XX/XX/2021. I disputed these two hard inquiries being reported on my credit report. I have attached a copy of the complaint that I submitted to Equifax through the CFPB. 
Equifax responded and I quote, '' NON REPORTING DISPUTES Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. ( End Of Quote ) When I checked my credit report online both hard inquiries were still reporting on my credit report. Please delete both hard inquiries from my credit file immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: NV
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:
ATTENTION TO XXXX  XXXX XXXX XXXX XXXX CREDIT BUREAUS AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company.This account has been reporting to my file since 2015. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2000.00} does not belong to me. This account was fraudulently opened through this company XXXX  XXXX XXXX in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN or Credit Card ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
We had parent loans and went through periods where we were unable to make payments - job loss, XXXX due to 2 mortgages with the housing Crisis, unemployment in XXXX we were put in forbearance with accumulating interest. I have also worked 7 total years in not for profit hospitals. When I was laid off in 2014, at the age of XXXX, I was unable to get a FT job in a nonprofit. So those years get me no credit. At XXXX now, I cant get a new job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have contacted the credit bureau and also mailed them a copy of the letter i received from this company stating that they are no longer reporting it the credit bureau 's and it should be removed from my credit report. I sent the letters to all three credit bureaus in XX/XX/2021 and XXXX is the only bureau that deleted the incorrect information. It is still reporting on XXXX and Experian. 

XXXX should not be reporting on my credit reports.

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 2022-08-22
Company: Experian Information Solutions 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:
XXXX and or XXXX XXXX XXXX XXXX these accounts were properly investigated and came back as verified. However how is that true when there are several inaccuracies on my report? As a consumer I request to know all the steps your agency took to insure items were 100 % accurate under 15 USC 1681 ( 7 ) method of verification description of reinvestigation procedure. 


Account Name : XXXX ( 7 line items ) Account Number : XXXX Company does not have a Surety bond and is not lawfully collecting debts in the State of Texas nor California Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Wet ink Signature provided was not my signature but yet they still try to pursue this debt even though I have provided police report. Company does not hold Surety bond in Texas or California and still reporting this debt on my report. The company has passed the statute of limitation on debts that are not even mine and should not be reporting on my credit report..

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 2022-06-30
Company: EQUIFAX, INC.
State: NJ
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 sent a dispute letters to XXXX, XXXX and Equifax asking for this company to remove some personal information that was absolutely devastating to my reputation. They have records information on my report that wasn't told to me or acknowledged by me to report of erroneous information such as charge offs of accounts that still have a balance. I believe XXXX has violate my consumer rights and violated my privacy. 
The accounts that I'm referring to is XXXX, XXXX XXXX, and XXXX XXXX. 
I have ask for them remove these accounts and they stated it was verified. How so, if I wasn't told about the information that was given to them to be true. The information they have is not factual. As per the FCRA any information that I didnt give authorization is supposed to be excluded .I have been getting denied from trying to get a home. Please help me have them fix this grave error by removing these negative remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XX/XX/XXXX I requested to redeem all my rewards through the app. XX/XX/XXXX I called to close the account and tried to reach a real person but only reached robots and the robots closed the account before routing me to talk to customer service as requested, because I had mentioned close account as the topic. Now the company says they never received my redemption request and is saying all my reward dollars are forfeited.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 sent a dispute letters to XXXX, Transunion and XXXX asking for this company to remove some personal information that was absolutely devastating to my reputation. They have records information on my report that wasn't told to me or acknowledged by me to report of erroneous information such as charge offs of accounts that still have a balance. I believe XXXX has violate my consumer rights and violated my privacy. 
The accounts that I'm referring to is XXXX, XXXX XXXX, and XXXX XXXX. 
I have ask for them remove these accounts and they stated it was verified. How so, if I wasn't told about the information that was given to them to be true. The information they have is not factual. As per the FCRA any information that I didnt give authorization is supposed to be excluded XXXX have been getting denied from trying to get a home. Please help me have them fix this grave error by removing these negative remarks.

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 2022-07-28
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I sent a letter off on XX/XX/2022. Here is my tracking # XXXX, to remove personal information that I don't want on my credit report. According to the Fair Credit Reporting Act, 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institutions are suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2023-12-12
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: Report provided to employer without your written authorization

Complaint:
XXXX yesterday there is a hard inquiry on my credit report and I never gave consent

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 2022-06-30
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX is reporting a debt in collections. There are several things wrong with it. 

1 ) I tried to dispute this debt through Experian, but they refused to accept the dispute.

2 ) This is not a valid debt. It was disputed XXXX years ago with no response from the original company.

3 ) I disputed this debt with another collection agency and they stopped action rather than responding, so once again this is not a valid debt.

3 ) They are reporting the date of this debt as being now, rather than XXXX years ago as it actually is.

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 2022-04-25
Company: GVA Holdings, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw on my XXXX credit report that I owed a debt to XXXX XXXX XXXX. I never took out a loan with Riverbend cash in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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:
I called your department after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that these were Charge off accounts on my credit report. I was a casualty of savage wrongdoing. I'm not liable for these accounts, no police report or fraud affidavit is possible and no information or document is in my possession. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. A copy of my Bank Statement, Drivers License, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following inaccurate names : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXPlease verify the following incorrect names. I think there XXXX be an error, please remove as per FCRA 605B, also inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, NY XXXX A XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXXThis isn't my home address. Per Fair Credit Reporting Act XXXX XXXX you are required to remove the undistinguished address on my credit report. This account included in the dispute are : XXXX XXXXXXXX

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 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXas violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation