BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-10
Company: TAG Intermediate Holding Company, LLC
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:
I noticed negative activity on my XXXX credit report on XXXX. It was showing that I was delinquent for two months on an auto loan from " GANAS Auto '' in XXXX XXXX California. The address given for GANAS Auto was XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. The phone number listed for GANAS Auto was XXXX. The Address Identification number given was XXXX. I did not recognize this account and I did not purchase a vehicle from this company. The details I saw on my credit report were that this account was opened on XXXX with an initial loan amount of {$37000.00}. The loan had a term of 67 months with a monthly payment of {$700.00}. I disputed this through XXXX on XXXX because it was not my account, and it was either reported in error or it was fraudulent. On XXXX, XXXX emailed me that my dispute was complete and that GANAS Auto had certified that the information was accurate. I called XXXX and asked what information GANAS Auto provided to prove that it was my identity used to open this account. XXXX said that they " take the lender 's word '' for it and providing proof/evidence is not required. I then spoke to someone from GANAS Auto ( XXXX XXXX ) on XXXX and she stated that, " I can not give out any information. I have gotten in trouble for giving out information before when I shouldn't have. '' I told her that her company is saying that I have a loan with them and to at least tell me if I have an account opened here or not. She finally relented and I gave her my ID. She took my ID to the back office and refused to let me follow. When she came back, she said " I don't see your name in our system. Only XXXX XXXX 's and a XXXX XXXX or something like that. '' She said, " We don't require ID for an auto loan either because not everyone has an ID. Hopefully this is just a mix up with the social security numbers or the birth date or something. '' I am very concerned that this is not being removed from my XXXX credit report when this account is not mine and this company is not providing me any information. I think this company needs to be investigated and others need to be warned of them. I think this company is aiding with identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Company keeps reporting after there was closed account and agreement to remove from history.

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 2017-09-09
Company: EQUIFAX, INC.
State: OH
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward, Equifax, as well as the other credit reporting agencies, should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. In addition, changing the PIN with information that was already stolen is ridiculous. This is not only unsafe, but will allow further unauthorized use of your identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I already disputed this account ( CCB XXXX  XXXX ) and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted under XXXX, XXXX  & XXXX  from my credit reports. However, on my updated credit reports XX/XX/2021, a newly added account appeared under a different name which is COMENITYCB/XXXX  which is basically the same as CCB because CCB stands for Comenity Capital Bank and with the same account number XXXX is reporting negative under XXXX  & XXXX. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: JPMORGAN CHASE & CO.
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:
Good morning/evening, On the following dates of XX/XX/XXXX and XX/XX/XXXX Jp morgan Chase Bank and Chase Bank Usa, N.A filed 2 separate hard inquiries on my credit report where I never authorized such inquires. This is greatly impacted my ability to eventually purchase a home. I request to have them removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
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: Reporting company used your report improperly

Complaint:
Equifax, a consumer credit reporting agency, was recently ( estimated XXXX 2017 ) breached and sensitive customer data exposed to would-be identity thieves. Equifax had insufficient security in place to prevent this breach, and has tasked the consumer with following steps manually to freeze, monitor, and track their existing credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Upgrade, Inc.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Few unauthorized charges happened on my account. I noticed them and reported them to upgrade ( issuer ). However, upgrade ( now ) wanted me to pay for the fraud charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 not sent by error, I, XXXX XXXX am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of 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 non-monetary relief
Consumer complaint received 2022-07-10
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: Reporting company used your report improperly

Complaint:
I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX is listed on my credit report with the initial creditor noted as XXXX. I mailed to XXXX XXXX to validate debt and mail was returned. I submitted a complaint to CFPB and the response from XXXX XXXX XXXX was the debt did not belong to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
Please see enclosed letters of dispute and requests for validation received via USPS certified mail, signature required, by Capital One Bank on XX/XX/2020, concerning my Capital One Walmart credit card account # XXXX. 

I am submitting this formal complaint to the Consumer Financial Protection Bureau for investigation of violations of The Federal Deposit Insurance Corporation Law, Regulations, and Related Acts, sections 161 ( b ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( c ) and ( e ), 162 ( a ), 163 ( a ), 127 ( b ) ( 2 ) ( B ), 127 ( b ) ( 10 ), 127 ( b ) ( 12 ) ( A ), 127 ( i ) ( 2 ), 127 ( j ) ( A ) and ( B ), 127 ( o ) ( 2 ), The Fair Credit Reporting Act sections 1681, 623 ( a ) and 623 ( b ), and The Fair Debt Collection Practices Act sections 807 ( 2 ) ( A ), 807 ( 5 ), 807 ( 8 ), 807 ( 10 ), and 808 ( 1 ) by Capital One Bank concerning derogatory remarks Capital One illegally caused to appear on my credit reports and my Capital One billing statement and has refused to remove.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MO
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently opened a Checking Account with Discover bank, and it was working fine for the past few weeks, but when I logged into the mobile app today, it said that my account was locked and I would need to contact their customer support to have a resolution. I have been trying to call them every day for the past 3 days, but they have been saying there is a 3+ hour wait time. I tried waiting the 3 hours on 7 different occasions, and every single time the system automatically ended the call with no response on the other side. I have no choice but to file a complaint with the FDIC. I have all my money in that checking account, and Discover has disabled all access to that account & there is no support available to respond to lifting the freeze. I checked online, and MANY other customers are also experiencing this similar type of issue. No callback, no response from them. Please advise on how I will be able to recover my money from this dreadful institution, and go about banking with a different institution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 company was reporting an owed balance to the credit bureaus. The company asked me to settle the account and they would give me a letter stating that the account was settled for me to have it removed from my account. I've sent in multiple disputes to each credit bureau to have this removed and they are still falsely reporting a balance with the balance has been paid Since XXXX and it is now XXXX. Recent XXXX  updated the account with a balance when this balance should be at XXXX. Neither of the 3 credit bureaus will remove this account when they are purposely reporting false information.

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 2022-07-10
Company: EQUIFAX, 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 


U.S. DEPARTMENT OF EDUCATION Account # XXXX XXXX XXXX Account # XXXX 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
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: Their investigation did not fix an error on your report

Complaint:
Equifax did not investigate my XXXX XXXX XXXX XXXX it still shows a balance that is incorrect. 

Equifax did not investigate an account on my credit profile for U S Dept of Edn/XXXX that is not my account and I have neve had an account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX Account # xxxxxxxxxxxx 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
I have had excellent credit for years and have never missed a credit card payment, and have always paid off my credit card balance in full, every month, on all my credit cards for 20+ years. Last month I stayed at a hotel and booked a villa on my credit card and had a $ XXXX balance when my statement was issued on XX/XX/XXXX ( the previous month my statement balance was less than {$1.00} ). Because of this balance on my credit card, Experian dropped my credit score from XXXX to XXXX. Before this massive drop it had never been below XXXX. Please note also that my credit card balance from XX/XX/XXXX is already paid off. 

I submitted an apartment application in XXXX as well, and my application was not accepted. One of the contributing factors was, obviously, my credit score. I consider Experian 's practices to be discriminatory if not fraudulent, since they clearly use arbitrary rules that do not accurately reflect the true creditworthiness of an individual. Along with the other two credit bureaus, they hold a monopoly on credit scores that should not be allowed to continue. 

I have not yet received updates from the other credit bureaus, so I don't know if they also adversely impacted my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2020 I mailed into TransUnion a letter that disputed several hard inquiries on my report. Included with the inquiries I also included a copy of my police report and a statement from XXXX  that I was involved in a data breach. When I called on XX/XX/XXXX to TransUnion they stated that they did receive my inquiry but due to the fact that it appeared to be professionally written they ignored the request. I tried to dispute the inquiries over the phone with TransUnion and to validate that I did send in the dispute letter along with the supporting documents and Transunion refused to take any action.

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 2018-08-11
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Constantly being sent correspondence through mail non of which makes any sense. Amounts Due is inconsistent fees are astronomical and when responding through email to service rep for forebearance or assistance no response is received. My loan is delinquent and the balance is too high to ever pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Asset Management Outsourcing, Inc.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The tradeline, which appears on my credit report from Nationwide Recovery & XXXX XXXX  last reported XXXX XXXX2020 in the amount of {$180.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both Nationwide Recovery & XXXX XXXX individually and have not received any reply back.

Company response to consumer: Closed with explanation