BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-06
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: Investigation took more than 30 days

Complaint:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 


XXXX XXXX XXXX reporting inaccurate on XXXX and experian inaccurate dates amounts payment status on my credit file please remove account the item was sold by the creditor and it was written as 100 % payment history current so why is it still reporting A collection or repo on my file. 

XXXX Bank XXXX reporting inaccurate on all XXXX bureaus please remove

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 2018-12-24
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have had XXXX card for about 10 years. History on the card is good. The last time I tried to use this card in XXXX, I was told that I could not. No explanation except that I had to run my credit again. This is not acceptable. If I have had a card for many years and responsible with it, then why would I need to reapply through a credit check for it, if it were not closed. This was in XX/XX/XXXX. Also in XXXX I was unable to use it and the account was open! No correspondence before detailing the specifics of the account or any changes were sent to the account holders address and no explanation was made since then, even after a call to the card services number. This has still not been resolved! They have not offered any explanation as to why a good standing account holder would need to run credit again! Also, if they were concerned with my high limit, then they could inform me the concerns in writing and any potential changes such as a decrease in my limit -this would still not be right, but at least I would be able to use it. I am unable to use this card unless I submit to a credit check, when I already submitted to one when I opened the card about 10 YEARS AGO. I do not understand this and the customer service is off, because when I went into the XXXX store in XXXX XXXX where this happened last year, I was subjected to waiting on line and on hold and told I needed to give personal details to use the card, while on-line in the store and uncomfortable to do so. This is not responsible for the creditor to do and I would like some explanation on why I can not use my card, when it is in good standing and being forced to submit to a credit check, when I have had the card for about 10 years and already had the required credit check then when it was opened. Why is my account being wrongfully targeted for this treatment? Is there some bias against my account in some way?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2022-04-30
Company: Experian Information Solutions Inc.
State: PA
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 following accounts have violated my rights 1. XXXX XXXX XXXX - Account # XXXX6, 2. US Department of EDU - Account # XXXX, {$1800.00} 3. US Department of EDU - Account # XXXX, {$7500.00} 4. US Department of EDU - Account # XXXX, {$2400.00} 5. US Department of EDU - Account # XXXX, {$4200.00} 6. DPT ED / XXXX - Account # XXXX 7. DPT ED / XXXX - Account # XXXX, {$9000.00} 6. DPT ED / XXXX - Account # XXXX, {$16000.00} 15 U.S.C 1681 Section 602 A : States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-06-15
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: AL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened the margate with AMERINAT and every payment that they reported was reported as a late payment in error. This has never been corrected and it is adversely impacting my credit score. I have reached out and contacted Customer Service and they still have not gone through to correct this error. This is a closed paid account and I would like fortis to be corrected 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 2023-03-30
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:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2019-11-19
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: Credit inquiries on your report that you don't recognize

Complaint:
This is a complaint against XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

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 2021-03-09
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
Credit inquire does not belong to me

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 2017-10-24
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have an account on auto pay with XXXX XXXX through my bank XXXX XXXX XXXX XXXX XXXX charged my account twice. The second charge was unauthorized and there was no money in my account but Schools First Federal Credit Union went ahead and paid the amount withdrawing the money from my savings account just to charge a {$22.00} fee. I did not authorize the credit union to pay overdrawn checks from my savings account nor have I signed any papers to authorize this but they are all in cahoots, help each other scam people and charge fees. In the mean time XXXX XXXX says they have cancelled the second transaction but 3 days have passed and the money is not in my account. 
These thieves give me the run around blaming each other and I am out of {$380.00} plus {$22.00} and the harassment from them and am now in dire straits.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-24
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
Equifax, XXXX XXXX and XXXX are continuing to report inaccurate information. This collection with XXXX  should not appear on my credit file for I have sent proof and it still remains. I agreed with XXXX that I would pay for delete. Item is paid and was not removed. Sent in that proof to the credit bureaus. Per XXXX representatives, have advise credit bureaus to remove due to agreement for pay for deleted was completed, yet this still remains on my credit file damaging my credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX is being reported as part of my CHP XXXX bankruptcy. It was a new account and less than XXXX XXXX old prior to filing. It is illegal to include new accounts to bankruptcy. I am on time and never late. This is being reported inaccurately.

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 2017-10-24
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent XXXX, XXXX and experian a certified letter advising that XXXX XXXX mandated they remove ALL payment history prior to my bankruptcy chapter XXXX and there are MULTIPLE inquiries I did NOT authorize and would like them removed as well as payment history. All they did is add BANKRUPTCY FILED to my XXXX CLOSED ACCTS with XXXX then knocking my XXXX XXXX down XXXX more points. This bankruptcy was filed XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX. So to add that comment now after over XXXX yrs is irrelevant. AND REFUSE TO REMOVE INQUIRIES I DIDNT AUTHORIZE AND indicating I have XXXX student loans when I consolidated into XXXX in XXXX if XXXX. I have proof all XXXX credit bureaus received my certified letters with signature required. And have done more damage now to my credit.

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 2019-11-19
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: Account information incorrect

Complaint:
They told me my loan could be forgiven if i signed up. They pressured me in to signing up. I tried to stop them but they still tried to take money out of my account. They took over my loan, and didn't provide me with any information about the company. I dont know the name or agency they are with.They informed me that they were part of the student loan agency. I feel like i was tricked.

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 2021-12-06
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 


XXXX XXXX XXXX reporting inaccurate on Equifax and XXXX  inaccurate dates amounts payment status on my credit file please remove account the item was sold by the creditor and it was written as 100 % payment history current so why is it still reporting A collection or repo on my file. 

XXXXXXXX XXXX XXXX reporting inaccurate on all 3 bureaus please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
The following account is fraudulent and was deleted previously from my Equifax credit report : XXXX XXXX XXXX, the account is fraudulent and was previously deleted from my credit report, but has reappeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2022-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
A hard inquiry appeared on my credit report, dated XX/XX/2022, that I did not authorize. I didn't apply for any credit cards, loans or other products.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Due to me being a victim of identity theft these items are on my credit and its effecting my progress in life I can not get approved for any credit these are the dates of unauthorized collections on my credit report XXXX these dates are from unauthorized collections placed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have tried several times to have Capital One to send a cashier Check ( XX/XX/2022 ) for them to state they can not do it and that it has to be done online. When attempting to do it online, my account gets locked out and I have to wait 24 hours for the account to get unlocked. Waited the 24 hours and the account gets locked out again with the agent on the phone stating that they can not assist. Tried to get money wired to an escrow account on XX/XX/XXXX and got the same run around with them saying that no bankers were available and I had to call back on Monday, account again was locked out with me not being able to do anything for 24 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent XXXX, Equifax and XXXX a certified letter advising that XXXX XXXX mandated they remove ALL payment history prior to my bankruptcy chapter XXXX and there are MULTIPLE inquiries I did NOT authorize and would like them removed as well as payment history. All they did is add BANKRUPTCY FILED to my XXXX CLOSED ACCTS with XXXX then knocking my credit score down XXXX more points. This bankruptcy was filed XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX. So to add that comment now after over XXXX yrs is irrelevant. AND REFUSE TO REMOVE INQUIRIES I DIDNT AUTHORIZE AND indicating I have XXXX student loans when I consolidated into XXXX in XXXX if XXXX. I have proof all XXXX credit bureaus received my certified letters with signature required. And have done more damage now to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: DISCOVER BANK
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 have contacted discover about fraud account opened in my name. They did not get back with me and refused to do anything about the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: SUNTRUST BANKS, 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:
This is a complaint against SUNTRUST XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and XXXX credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were

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 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
TransUnion continues to use out dated or incorrect data on my report which keeps my XXXX XXXX in the XXXX, When my XXXX and XXXX are in the XXXX This has kept My Scores from increasing there are accounts that have been deleted from other reporting agencies but TransUnion continues to report inaccurate 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