BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-28
Company: Law Offices of Goldsmith & Hull A.P.C.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
The plaintiff is XXXX XXXX XXXX and they are represented byGoldsmith & Hull.I received a notice from my job concerning wage garnishment from this company about a credit card from 2001, if this is correct about a credit card why did they wait 21 years to try to collect $ XXXXthe original allegedly debt is $ XXXX XXXX  is no longer in business, if this filing on behalf of XXXX is true what is the statue of limitations in California, I asked them for a validation and they told me they will not provide me with one.The statue I was told is 3-6 years.Please help me with this matter, I am still dealing with the death of my wife who passed away in XXXX.Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, XXXX, and Experian used my information without my consent for the accounts : XXXX XXXX ( XX/XX/XXXX  ) and XXXX XXXX XXXX ( XX/XX/XXXX  ) also According to FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this Section, if the consumer reporting agency reasonably determines the following : A : the information was blocked in error or a block was requested by the consumer in error ; B. the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

However my information was misused without my consent of approval.

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 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I hope this letter finds you well. I am writing to seek assistance from the Consumer Financial Protection Bureau regarding ongoing issues I have been experiencing with XXXX, TransUnion, and XXXX. Despite my repeated efforts to dispute late payments and incorrect information on my credit reports, I have encountered significant challenges in rectifying these errors. 
I believe that I have been subject to unfair treatment by these credit reporting agencies, as my attempts to correct inaccuracies on my credit reports have not yielded the desired results. I have diligently followed the procedures outlined by the credit bureaus, including submitting dispute letters and providing supporting documentation. However, my disputes have often been met with delayed responses or dismissive actions, resulting in continued inaccuracies on my credit reports. 
The inaccurate information on my credit reports has had a detrimental impact on my financial well-being, affecting my ability to secure loans, obtain favorable interest rates, and even secure employment. Despite my efforts to maintain responsible financial practices, these errors have unfairly tarnished my creditworthiness. 
I kindly request that the Consumer Financial Protection Bureau investigate my case and intervene on my behalf to ensure that XXXX, TransUnion, and XXXX rectify the inaccuracies on my credit reports promptly and in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that your organization is committed to ensuring fair treatment for consumers like me, and I trust that you will take the necessary steps to address this matter. Please inform me of any additional information or documentation you may require to assist in resolving this issue. 
I appreciate your prompt attention to this matter and your commitment to upholding consumer rights. I look forward to a timely resolution and the restoration of accurate information on my credit reports. 
Thank you for your assistance in this matter. 

Sincerely, XXXX 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 2023-11-13
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Late payment on your credit report is a privacy violation. In accordance to fair credit reporting act has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2022-11-30
Company: Experian Information Solutions Inc.
State: AZ
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 enrty below was submitted thru your portal and the sent to Experian, I called them and they said they never recieved it. We both Know this a stall tactic or lie. I expect you to hold the accountable for violating my rights and now have the information removed since they did not comply with my reqest. 

XXXX XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EXPERIAN XX/XX/2022 Open Company response is in progress as of XX/XX/2022 The never did anythong and said they never ecieved this. 

I am resending a new request but want this file deleted for non complincy with in the 30 day period

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 2020-04-16
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I have asked Experian, XXXX, and XXXX repeatedly to remove the addresses I have never seen before on my credit report, they do not belong to me, I have been living at XXXX XXXX XXXX, XXXX, TN XXXX for the past 10 years, please contact them to remove all addresses that are not XXXX XXXX XXXX also my name is XXXX XXXX, not XXXX XXXX, I have repeatedly sent my license, my utility bill, and ss card to have them update and they still will not comply I want my personal information updated 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 non-monetary relief
Consumer complaint received 2023-08-12
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 this creditor XXXX XXXX XXXX has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose

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 2022-06-28
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I have been a victim of Fraud and I sent in a police report as my proof my identity was stolen there has been different names address and emails and my information has been sold by the 3 credit agencies when I also opt out, I have submitted numerous disputes to remove and investigate this bt nothing has been done, I have rights under the FTC law to fight against this and XXXX, XXXX and equifax are aware. from the beginning of 2013 there has been inaccurate reporting, not updated reported information, and discrepencies, harassing calls, from XXXX XXXX, XXXX XXXX, medical billing companies when I have medical insurance. XXXX XXXX  and I am up to date but they put me as late and I have credit protection as well to bring me up to date. My credit score has been affected by this and this has caused tremendous hardship. XXXX has also allowed someone to have a tradeline on my new established XXXX I have not even established credit history and there are tradelines already please help me to find a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I have been a victim of Fraud and I sent in a police report as my proof my identity was stolen there has been different names address and emails and my information has been sold by the 3 credit agencies when I also opt out, I have submitted numerous disputes to remove and investigate this bt nothing has been done, I have rights under the FTC law to fight against this and XXXX, transunion and XXXX are aware. from the beginning of 2013 there has been inaccurate reporting, not updated reported information, and discrepencies, harassing calls, from XXXX XXXX, XXXX XXXX, medical billing companies when I have medical insurance. XXXX XXXX  and I am up to date but they put me as late and I have credit protection as well to bring me up to date. My credit score has been affected by this and this has caused tremendous hardship. XXXX has also allowed someone to have a tradeline on my new established XXXX I have not even established credit history and there are tradelines already please help me to find a solution.

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 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been attempting to make payments on my Comenity cards. I have New York & Company, Victorias Secret, Express, Ulta and BJs. The website to make payments has been down for almost a week, they wont accept payments online, called the company and get a message saying the call center is closed due to unforeseen circumstances. This is unacceptable!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A company called XXXX XXXX  XXXX called me from XXXX attempting to collect a debt I dont owe. They called my mother and gave her information and said they didnt know why they didnt call me and the proceeds to tell me I dont sound like I have an education, didnt graduate high school and needed to go to work to pay my debts. He hung up and Ive tried calling again with just a voicemail option. There were no recordings saying this is an attempt to collect debt or anything. Ive never even had an account with Bank of America!

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 2022-07-28
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: Investigation took more than 30 days

Complaint:
As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XXXX, as well as a follow-up letter, dated XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and my letters have went unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: BARCLAYS BANK DELAWARE
State: MO
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There were multiple fraudulent charges on my Barclays credit card on XX/XX/XXXX & XXXX. Barclays flagged these charges and contacted me. I went through the charges with a Barclays representative and two of the fraudulent charges I noted were from a merchant called XXXX XXXX XXXX. There were two charges from this merchant - one on XX/XX/XXXX for {$30.00} and one on XX/XX/XXXX for {$30.00}. Barclays closed my account and issued a new card. Initially only one of the fraudulent XXXX XXXX XXXX charges was removed. So I called back and asked for the other charge to also be removed. The representative I spoke with assured me that it would be removed. However, instead of removing the remaining fraudulent charge, Barclays added back the second fraudulent charge. Barclays also sent me a letter stating that I had personally confirmed the validity of both charges. I called back multiple times attempting to get the two charges removed. Eventually, I was given two {$30.00} credits to compensate for the fraud charges, but Barclays never actually removed them or deemed them fraudulent. The following week another {$30.00} XXXX XXXX XXXX charge was posted to my account and back-dated to XX/XX/XXXX. So at this point, I had three fraudulent charges posted on my account. After calling Barclays, they issued another {$30.00} credit, but again wouldn't remove the fraudulent charge. Now this week, Barclays posted a fourth fraudulent {$30.00} XXXX XXXX XXXX charge, also back-dated to XX/XX/XXXX. At this point, I have no choice but to close the card. However, it is clear to me that Barclays has a relationship with the fraudulent XXXX XXXX XXXX merchant. They repeatedly refuse to remove these fraudulent charges and keep adding a new one every week. I don't understand how they can be so brazen about defrauding their customers.

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 monetary relief
Consumer complaint received 2022-04-25
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:
In accordance with the Fair Credit Reporting Act, The following accounts have violated my rights : XXXX AccountXXXX XXXXXXXX XXXX XXXX- Account # XXXXXXXX XXXX- Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 states that a consumer reporting agency can not furnish an account with 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 non-monetary relief
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The website I use to pay my Ulta XXXX  card has been under repairs for nearly a week now and I cant access my card to pay it off and to get ahold of customer service is near impossible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions 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 information incorrect

Complaint:
Experian has put information back on my credit report from XXXX, which is in accurate and falsely reflects that I had a late payment history with this company. I am attaching the supporting documentation I have already written an affidavit which stated that this was false reporting done by XXXX. Experian continues to report this false information which makes it fraudulent. 
I have attached copies of the billing which I requested from XXXX. This clearly shows that I had no minimum payment due, and no late payments. The account was closed in XX/XX/XXXX. They continued to hold the account on an open status after I was told that it was closed and they terminated their banking relationship with me. This is where it created the so-called late payment however, how could I make a payment for something that I wasnt even aware it was due? This is truly deceptive. Note that the statement with a due date of XX/XX/XXXX says XXXX balance and payments of {$4800.00} that was the last payment made as of XX/XX/XXXX. XXXX is also reporting this false information. I enclosed a copy of my XXXX report, which does not correlate to the billing from XXXX. This is false reporting. The XXXX report says the account was late from XX/XX/XXXX to XX/XX/XXXX, however that contradicts the billing furnished by XXXX. It also contradicts the date closed reported by XXXX of XX/XX/XXXX, and below that it says XXXX of XX/XX/XXXX! Clearly this is false.

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 2022-06-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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