BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: Bread Financial Holdings, Inc.
State: SC
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 am writing to bring to your attention a concerning issue I have encountered with Comenity Bank regarding the re-aging of my account, which I believe to be in violation of consumer protection laws. 

In XX/XX/XXXX, I obtained a copy of my credit report. According to that report, the Date of First Delinquency ( DOFD ) for my account with Comenity Bank was listed as XX/XX/XXXX. However, upon reviewing my most recent credit report from XX/XX/XXXX, I discovered that the DOFD had been inexplicably changed to XX/XX/XXXX. 

This sudden alteration of the DOFD by Comenity Bank raises serious concerns about the accuracy and integrity of my credit report, as well as potential violations of the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. Re-aging an account, which involves changing the reported date of delinquency to extend the time period for which negative information remains on a credit report, is widely recognized as an unfair and deceptive practice. 

I wish to emphasize that I have not engaged in any activity or made any agreement with Comenity Bank that would justify a change in the DOFD on my account. The XX/XX/XXXX credit report accurately reflected the original delinquency date of XX/XX/XXXX, and there have been no new incidents of delinquency or default since that time. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against Comenity Bank if it is determined that they have indeed engaged in illegal re-aging practices. Additionally, I would appreciate your guidance on the steps I can take to rectify this issue and ensure that my credit report reflects accurate and lawful information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: KY
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 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  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 an 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 or 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. 

ID FOR COMPLAINT SENT TO XXXX XXXX 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 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
fraudulent inquiries and address on my credit report, and the credit bureaus are reporting it without a permissible purpose. 

The inquiries and address are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-23
Company: FirstPoint Collection Resources
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter stating that I owe XXXX XXXX XXXX of XXXX on the date of XX/XX/2022. This collection is false due to the fact I've moved out in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: SC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: Bread Financial Holdings, Inc.
State: NV
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 am deeply concerned about the derogatory rating attached to the account that is being reported. This situation is troubling as it has already had adverse effects on my credit. I recently experienced a loan denial, and my existing credit accounts have also seen an increase in interest rates. It is important to highlight that this negative rating has resulted in significant financial distress for me, and if left unresolved, it will continue to affect me both financially and emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My Credit Report is inaccurate With multiple attempts to fix the inaccurate accounts listed below - XXXX XXXX XXXXXXXX XXXX XXXX Collection Status showing Active Open account inaccurate data - XXXX XXXXXXXX XXXX XXXXXXXX Show account balance on a closed write off account 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 2022-12-14
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX account was paid off and closed XX/XX/2022. I keep getting phone calls about charges owed like interest fees and threatening phone calls about them making my life a living XXXX like wrecking my credit score. This has gone too far. XXXX is a bunch of crooks and this has to stop.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-23
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A bank account was opened by Frost Bank that was not authorized by me. I received a debit card in XXXX and bank statement on XXXX with a total of XXXX. A second bank statement issued on XXXX shows activity that I did not do or initiate. There are XXXX electronic deposits through XXXX for account verification of XXXX and XXXX on XXXX. There is a electronic deposit transfer of XXXX for XXXX. I never authorized opening this account and plan to contact the bank to investigate how it was opened and to cancel the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Bread Financial Holdings, Inc.
State: LA
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 submitted investigations with the credit bureau agency as well as the companies. There is to be a fraud alert on my account that if any account is to be open in my name I am to be called to confirm identity. My credit report was pulled and there are addresses, accounts, and loans in my name unauthorized by me. There accounts out of state that I don't or never resided in. I am asking that due to the FCRA section 604 this information be removed as I have not opened these accounts or given permissible purpose for these accounts to be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company lied through the CFPB response- sent a bill from almost one year ago as proof that money is owed. Debt had been paid to original creditor a long time ago. I have attached XXXX response letter through CFPB as well as 10 months of bills showing that nothing is owed until XX/XX/06 for my monthly bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: OneMain Finance Corporation
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: Account information incorrect

Complaint:
Recent hard pull on credit file. Their website strictly states soft pull, got a preauthorization, then when calling to check on info, I did not sign or authorize anything, nor asked, for the hard pull, told what I needed to submit, told them I would get back with them, then seen on credit report, I already have an account with this company and was looking into adding more funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: DISCOVER BANK
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Our Discover Card payment was due on XX/XX/XXXX. On XX/XX/XXXX I paid off the entire balance of {$8500.00}. On XX/XX/XXXX I noticed there was another balance on the account and paid the full balance of {$250.00}. The very next day, they had a balance of {$63.00} for interest. I contacted them about the never-ending scheme they had going on and they ignored me. 
I paid it off again today, XX/XX/XXXX. I have made three payments, in FULL, this month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-07
Company: ROBINHOOD MARKETS INC.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XXXX XXXX XXXX XXXX # XXXX This company has drained all of the funds out of my account and i have requested multiple times to have them contact me. They call me at XXXX ; XXXX XXXX  XXXX and after 5 minutes place me on hold to transfer to another department. 
my account is currently locked and no one can tell me what happened to the funds in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
On XXXX  XX/XX/XXXX I received several credit alerts that I was 31 days past due on a {$2.00} XXXX charge for storage on my XXXX XXXX which negatively impacted my credit score causing it to go from XXXX to XXXX overnight. I take my credit extremely seriously and had never had a late payment in over 20 years of credit history. I was devastated when I received the notifications and called Apple support and GS Bank USA who owns the rights to the card. I spoke with several representatives at GS Bank who claim they escalated my dispute.. They claimed to have sent notifications to an XXXX email account that was set up when I purchased the phone. I knew nothing about this email acct I would receive monthly notices of a {$2.00} charge and would simply pay it through my XXXX credit card which I have a {$6500.00} limit. I am a XXXX XXXX XXXX man and admittedly not always knowledgeable on the latest wireless technology.. That being said had I known I was behind on a payment of only {$2.00} I surely would have paid it. The effects of that missed payment has spiraled my credit rating XXXX  points! This is inexcusable on the part of GS Bank USA. I am requesting this be taken off my credit report asap as I have also filed a dispute with XXXX case # XXXX. When I called XXXX on XX/XX/XXXX I spoke to two specialist that had me on hold at different times during the conversation for well over 90 minutes only to tell me at the end I was sent notifications to my wallet. My wallet! I use my phone to make and receive calls check my email at XXXX XXXX not familiar with a wallet or XXXX  etc when explained to me about the XXXX I found I had over 200 emails sent to this account. Which I never knew anything about! Im reaching out to your organization to make sure that this doesnt happen to anyone else especially those of us that are getting up in age and arent familiar with certain apps wallets XXXX  etc My request is having this {$2.00} missed payment removed from my credit report as Ive stated earlier I had a perfect rating on my payment history. If theres anything your organization can do to assist me I would be greatly appreciative. I can be reached at XXXX address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
There are XXXX inquiries on my credit reports that I don't recognize. XXXX is recent, XX/XX/XXXX from XXXX XXXX XXXX. Another inquiry was, XXXX XXXX, from XXXX. I did not give authorization for these companies to receive 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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Recently, I began taking my credit more seriously and noticed a few items on my credit report that were reporting inaccurately. I have tried to contact Transunion to resolve those issue but no luck. I was faced financial hardship losing my job due to the pandemic layoff. The CARES Act, passed in XX/XX/2020, gave legal protection to consumers by providing loan forbearance. Under the act, consumers were given the option of not making payments on their loans without suffering any credit-related consequences, like late payments and delinquencies. Also, creditors must make accommodations for people having trouble making payments. But I was never contacted. Due to XXXX forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of XXXX forbearance period. I have late payments on my report that I want to be removed because I am a victim of XXXX XXXX and legally you should not have put them there. The program regulations 15 USC 13 ( a ) states that no late payments are to be reported to the financial credit bureau during the time of XXXX forbearance 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 non-monetary relief
Consumer complaint received 2023-07-10
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: Personal information incorrect

Complaint:
As i took a look at my Credit report i noticed i have several names and several addresses that shouldnt be linked to me I am highly afraid of identity theft and would like my personal information updated i should only have XXXX name ( XXXX XXXX XXXX ) XXXX address ( XXXX XXXX XXXX XXXX fl XXXX XXXX ) and XXXX phone number ( XXXX ) any other name address and phone number should be deleted expeditiously do to the possibilities of identity theft please and thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received a copy of my credit report and found the following items to be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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