BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been disputing my credit report for over ten years. My complaint are agaisnt the three credit bureaus XXXX, XXXX, TransUnion :!. ) reporting Inaccurate history 2. ) Failure to not report disputed iteams 3. ) Refusal to correct information after proof has been giving XXXX. ) Abusive calling of collection agencies 5. ) being harassed by collection agency. 
XXXX XXXX XXXX ( XXXX & XXXX, XXXX ), states I owe them {$7000.00} for a vehicle I was a cosigner on. The vehicle was sold at acution, I had another vehicle that was repossed and sold at acution, they sent me a 1099-G. XXXX XXXXXXXX ( XXXXXXXX XXXX ) says I owe them {$160.00} for car insurance that I did not have with them. I am tired of playing this game with the three credit bureaus and collection agencies. I can ; t get a home, a car or live life at XXXX because of mis reporting and misconduct towards my credit ENOUGH

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$150.00XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX : {$520.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX  Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Self Financial Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had to replace my debit card from which i was making payments to my credit card from and now i cant get ahold of anyone at the credit card company to switch pay methods. When i try to do it in the app it says my bank information is incorrect. When i call the customer service number im told the wait time would be XXXX min. I been on hold now for XXXX min and counting. This is with self inc. And ive been trying everyday waiting on hold for up to XXXX min at times only to get impatient and hang up. Now this is going to affect my credit rating. Not my fault what else can i do i cant even find an address on this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX of the problem is navigants web site to pay your bill. I submitted XXXX payment and the site still showed that I owed a payment. In XXXX I was confused thinking I made the payment ( because it doesnt show pending payment ) so I dont want to make a double payment ( nor enough money ). Unfortunately I did the something in XXXX and as soon as I was notified I was late I made payments ( did not receive notification in XXXX I was late ). I contacted navigants customer service and told them the issues with their non customer payment site is vague and confusing and doesnt provide details or notifications that a payment was made. I asked the if they could fix my credit markers due to this issue and they said they cant do anything about it. This one incident lowered my credit score by XXXX points and now I am unable to consolidate my debt do to the credit score impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
Currently have a BJ 's credit card through Comenity Bank. Been trying to log in online since XX/XX/22 and the website has been " unavailable due to a system upgrade. '' My bill is due on XX/XX/22 and I was trying to pay it since XX/XX/22. On XX/XX/22 reached out to Comenity via XXXX due to the fact that the website and now phone lines are all " unavailable. '' Received generic response that " they are working hard to correct the issue etc ... '' Stated I would " not be charged a late fee as long as I pay my bill before the next statement is generated which is XX/XX/22 '' However the company can not give a time frame to when the website will be up and running. When you call customer service it gives a generic auto response then disconnects you.There are thousands of people on social media complaining about this issue with Comenity Bank as they hold several large store credit cards. I was expecting 3 refunds on my credit card around XXXX and I can not log in to see if those were able to be posted. One refund from XXXX XXXX was for {$1300.00}, one refund was from the XXXX XXXX XXXX for {$220.00}, the third refund was also from the XXXX XXXX XXXX for {$70.00}. This " system upgrade '' has caused a major inconvenience to consumers for 6 days now. I can't use my credit card or pay my bill. I have never been late paying my bill. A " bank '' this large should not be experiencing these issues. Rumor has it they were bought by Bread Financial. I did not receive any correspondence whatsoever about my current credit card being bought out or taken over by another financial institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have a credit card with Comenity Bank, and they apparently have some " system outage '' for almost a week now. You can't get through to customer service. You can't log in online. You can't make a payment. NOTHING. There is zero information posted anywhere other than it's taking longer than normal. 

I've read socials, and hundreds of other customers have had the same issue. 

If I get charged a late Fee, someone else better be paying it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have one account on my credit report that does not belong to me I have not applied for this used or or know where this came from I need this taken care of I have been disputing this since 2019. 

XXXX XXXX - XXXX XXXX {$14000.00}

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 2022-06-16
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: Reporting company used your report improperly

Complaint:
Hello, I sent a letter off on XX/XX/202 to remove personal information that I do not want on my credit report. My tracking numbers are XXXX, XXXX, and XXXX. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information with third-party companies. These are clear violations of my federally protected consumer rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
Company: EQUIFAX, INC.
State: TN
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 called Equifax yesterday concerning multiple disputes that were mailed in, phone calls to the company, and CFPB complaints concerning unauthorized hard inquiries on my Equifax report. I was told that they never received my complaint with my identity theft affidavit attached. ( How is that when they've responded to it? Complaint # XXXX for reference ) I've also mailed this dispute with the affidavit to Equifax. ( Twice ) I am still getting the same response. This issue has been going on for more than 60 days. The company responded on XX/XX/XXXX stating that they've completed an investigation, including contacting the furnisher of the information. This complaint also has the affidavit attached. I've been asked to send in this affidavit again in order to have these inquiries removed. 
-XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: AP
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Comenity Bank 's ( Bread Financial ) NFL Extra Points Credit Card 's web site has been down for over a weeks. Contacting them they say they are doing a scheduled upgrade and have now added that it is taking longer than expected. NO ADVANCE NOTICE WAS GIVEN. I get my statements via online access which I am now unable to do -- my billing DATE WENT BY LAST WEEK. They have offered to only give me my balance over phone. I usually track my balance daily and pay in full just before the statement date. I did send {$7000.00} last week but am unsure of actual balance. I suggest that that they be prohibited from reporting any balances to any credit reporting agency for the period that there is no access and 15 days later to allow opportunity to pay, and that they be prohibited from charging any finance charge for that period plus 30 days. In addition they should recognize the benefit of being more transparent with their customers!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 Submitting a complaint to you regarding account number XXXX from XXXX XXXX XXXX, IN. I am the person making this complaint & I give CFPB authority to investigate this claim. I do not have any such account with that company and I have tried to dispute it directly with the company, to no avail. 
I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal 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 non-monetary relief
Consumer complaint received 2021-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have continuously tried to resolve this issue and have not gotten anywhere the stall tactics that have been used are a mere result of TransUnion not willing to give me a fair investigation that I have the rights to as a consumer. This is my second attempt through you the CFPB to gain a fair honest investigation and has been met with a closed investigation and told " they do not believe this is me or that I am being represented by a company '' I need to mail proof this is me. EVEN THOUGH I SEND A COPY OF MY ID every time. I'm simply a consumer who knows her rights and this inaccurate and seem to me not properly verifiable accounts need to be removed

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: Experian Information Solutions Inc.
State: FL
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:
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.

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

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

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

Company response to consumer: In progress
Consumer complaint received 2023-07-20
Company: WELLS FARGO & COMPANY
State: NC
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:
XX/XX/2023 {$130.00} XX/XX/2023 {$170.00} XX/XX/2023 {$130.00} XX/XX/2023 {$130.00} XX/XX/2023 {$170.00} XX/XX/2023 {$170.00} XX/XX/2023 {$23.00} XX/XX/2023 {$23.00} XX/XX/2023 I called Wells Fargo immediately to verify I did not make these charges. 
XX/XX/2023 Wells Fargo opened a fraud case. 

XX/XX/2023 called an inquired about the extra charges. 

XX/XX/2023 Wells Fargo denied my claim. 

XX/XX/2023 called again asking for help when I received the denial letter XX/XX/2023 Wells Fargo opened a claim XX/XX/2023 Wells Fargo denied my claim XX/XX/2023 called again asking for help after receiving the denial letter. 
XX/XX/2023 Wells Fargo has opened the claim again. Stated I should have filed a police report. 

I've never dealt with fraud before, why wasn't that disclosed on XX/XX/2023 when I called??? Filing police report XX/XX/2023.

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

Complaint:
Comenity XXXX site and phone has been down for the last 5 days. I have been trying to make a payment and call and there is no way to contact them. Hundreds of people are trying to make payments and can not. Dont want to be charged a late fee. 

They have a automatic message on the phone and on their site that says their planned maintenance is taking longer than they expected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-21
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account has been hacked with Navy Federal. I have been a customer with Navy Federal since XXXX. I had XXXX personal accounts with Navy Federal. Along with XXXX business accounts with Navy Federal. Once my account got hacked I have only had problems with this bank. I got paid from a customer and deposited a check in my XXXX account XXXX  XXXX XXXX which made my account negative. That account was cleared up before Navy closed all of my accounts including my credit card which damages my credit. I will be complaining and filing complaint issues to several State entities because this is wrong. I am not the issuer of the check if someone writes me a bad check. This check went into XXXX account which effected all of my accounts. This issue has caused a huge headache with bounced payments and more. I have been treated like this because I am a XXXX man. Everytime I had issue with this bank and I go to any branch it was a problem. I have nothing to do with the banks view on other people. I am jusrt trying to bank responsibly if allowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/2023 I ordered a copy of my credit report and discovered that there were items listed in my consumer report that aren't allowed by law and need them removed immediately. According to the FCRA the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The rules of construction exclude any report containing information solely as to transactions or experiences between the consumer and the person making the report. Therefore, late payments shouldnt be included in the report as stated in sub section 603 ( b ) ( 3 ). I need these transactions removed from my consumer report because I never provided written permission for the consumer report to be furnished in the first place and under the FCRA subsection 604 ( permissible purposes of consumer reports ) ( a ) ( 2 ) my rights have been violated.

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 2022-04-25
Company: RentDebt Automated Collections, LLC
State: FL
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:
XX/XX/22 XXXX XXXX XXXX RNT DEBT XXXX. We have disputed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-01-26
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.

C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 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 2022-11-30
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This debt has passed the statute of limitations and is not on my report, but this company has contacted me via email and threatened to sue me for a debt that I believe is no longer valid. I live in California and I believe this debt no longer applies. But this company emailed me and threatened to sue me.

Company response to consumer: Closed with non-monetary relief