BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Transunion a letter due to 10 fraudulent and unauthorized inquiries on my credit report. I placed a freeze on all three of the credit bureaus because of these and Transunion has yet to remove them.. 

Ive included the letter and a copy of the inquiries from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: Upstart Holdings, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account from upstart damage my credit and it doesnt belongs to me account number XXXX this account need to be remove from my consumer file I have attach a copy of my identity theft report below

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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: Account status incorrect

Complaint:
Transunion refuse the remove old accounts from my credit report which is seriously affecting my credit score. First there are two derogatory marks on my credit report. I tried many times for the past three years to get them remove with no success. Second you can only dispute one of these account for both accounts coincide with one another, but they are two separate accounts. Once is XXXX XXXX XXXX anXXXX XXXX XXXX XXXX ( separate types of companies and balances ). I explain them when this account was open my identity was stolen twice and I was in the hospital XXXX XXXX XXXX from a serious illness. Also, according to a attorney ( consultation ) if account is open fraudulently it needs to be removed asap and an account 180 days old gets removed automatically. Yet this not the case. I can't afford an attorney to fight this because I am XXXX on a fixed income. Please help I need this 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 non-monetary relief
Consumer complaint received 2023-04-10
Company: Atlanticus Services Corporation
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Fortiva Credit Card has assessed me over {$500.00} in late fees since XX/XX/XXXX to XX/XX/XXXX. The late fees are {$41.00} per month, although I have made payments on time. I have been late on two occasions, but NOT a week or more late. The majority ( if not all ) of the payments have been at the beginning of the month where the due date is the XXXX of each month. I'm being told if my payment is one day past the due date or early, I will get assessed a late fee. 

Fortiva Chat has said : XXXX XXXX I see that your statement is only generated on 2nd of every month. Since the payment was received before the statement date, it will only be considered as an additional payment and will be adjusted towards your account balance. This will not impact your minimum payment. 

XXXX XXXX  I see that late fee of {$41.00} assessed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have reached out to Experian regarding all the late payments on my credit report. They keep refusing to do anything about them. I have informed Experian that according to law, I am a consumer and they legally can not put these on my credit reports. This is in accordance with the following laws : 15 USC 1681 2 ( i ) : report containing information solely as a transaction experience between the consumer and the person making the report By definition consumer report is ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

This is the definition of a person : a human being regarded as an individual.

This is illegal and Experian need to comply with the law.

Here are the accounts with late payments. This is illegal, as shown by the law above! 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will providing the actual Federal Law and proof from my updated Experian report from XX/XX/XXXX to show that Experian is still violating Federal law in the 1970 Fair Credit Reporting Act. This company is not above Federal law and it say in black and white the law mentioned above. I will also be providing proof that Experian has knowingly violated this law from the letter I sent months ago. They still are violating this law.

There is no way away around it, the law is the law. Until this law changed, Experian is expected to follow all the laws in the 1970 FCRA and not Experian put their own spin on the law. The law is very clear and must be followed!

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 2023-10-02
Company: Experian Information Solutions Inc.
State: TX
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:
Despite previous written request, the unverified accounts listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the accounts below : 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 explanation
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND 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 explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: NJ
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 XXXX Account # XXXX # XXXX # XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: CITIBANK, N.A.
State: AL
Product: Credit reporting 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:
Information on my credit report that I didnt authorized that was opened on XXXX XXXX with ( 1 ) CBNA balance {$5100.00} / ( 2 ) XX/XX/ with THD/CBNA

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 2022-09-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXXXXXX2022 I received an alert from my credit monitoring services informing me that there was hard hit on my credit report from XXXX XXXX XXXX. I already have an account with them and there was no need for any type of inquiry. This will affect my credit negatively. 
I want this problem 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 2022-12-03
Company: Experian Information Solutions Inc.
State: VA
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:
In accordence with Fair Credit Reporting Act, everything has to be 1000 % accurately reflecting in a credit report. 
But that is not the case here. I have sent sevaral certified mail to all credit reporting agencies. Please see attached receipt for record. 
The credit reporting agency stated that my accountss have been investigated but how is it possible that account holder is not accurate reporte, Last updated amount is not accurate also, original balance is not acurate, past due amount is not accurate in many case, paid off amount is not accurate, account type is not accurate, original creditor is not accurate, and many other inaccuracies in my report. This grounds for removal they also have violated my rights under 15 U.S.C. 1681 602 ( b ) states I have right to privacy.

15 U.S.C. 1681 604 ( b ) Section 2 states that consumer reporting agency can not furnish a consumer report without my written permission.

These are the accounts that must be removed- 1. Account Name : XXXX XXXX Account number XXXX XXXX. Account Name : XXXX Account number 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 2022-12-03
Company: Block, Inc.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I XXXX XXXX opened a new account with cash app I tryed gaining access to my old account which I currently have funds on so that I could transfer my money from one to another I'm now being told I can't access my old account which still has money in it. I've been going through this now for over 2 weeks their basically telling me I can't get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: AL
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:
Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX XXXX - XXXXXXXX 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 2022-12-03
Company: Experian Information Solutions Inc.
State: NC
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:
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. 
All Accounts related to the matter : XXXX INQUIRES : XXXX XXXX  on XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX on 02/25/2021 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 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 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 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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 2022-09-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have not been able to obtain my credit report from Equifax since XX/XX/2022. When trying to retrieve and update it continues to say I have a blank file, and nothing is there. When I called Equifax, they asked me questions to verify my identity based on my Equifax history. When the customer service rep tried pulling my credit report, it said blank as well. They told me they will put a ticket in, and I will get an email in 72hrs when the glitch is fixed. Nothing has changed. I called again, and same thing. They will put in a ticket. Here it is months later, and still a blank file. I have multiple loans that have been reporting, and I just want to be able to pull my credit on my own again and apply for a loan without these ridiculous issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
EQUIFAX continues to report the attached XXXX XXXX  account without a date of last activity. 
Remove account, after verification, the XXXX is still not reported. That is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: CITIBANK, N.A.
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:
15 USC 1681 Section 602 I have the right to Privacy.

15 USC 1681 Section 604 It also states a consumer furnish an account without my written instructions.

15USC 1666B A creditor may not treat a payment on a credit card or open-end 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 non-monetary relief
Consumer complaint received 2023-11-19
Company: CNG FINANCIAL CORPORATION
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:
I have had XXXX Derogatory marks on my credit and they have been there for more than 7 years I have tried reaching out but to no avail and I know after 7 years they are suppose to fall off my credit report however they haven't

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02
Company: Bread Financial Holdings, Inc.
State: MD
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 trying to pay my XXXX XXXX and my XXXX XXXX XXXX  XXXX credit card payments since XX/XX/22 and have not been able to login to the website, contact them by phone ( the recorded message just tells you to call back at alter date ) or use the XXXX they have said to use. First I kept getting a blank screen, then when it did come up, it said it couldnt locate my account information. I have tried every day since and I have also posted to their XXXX page and received the same message they are sending everyone else. Here is what I copied from that response : We know the recent system outage has been frustrating and we will work to ensure a fair resolution for impacted customers. Were waiving late fees for customers whose payment due date fell between XXXX XXXX XXXX. Those customers inability to make a payment will not affect their credit score. In the event outages impacting customers ability to make a payment extend beyond XX/XX/XXXX, we will extend the late fee waiver and the pause on credit reporting accordingly. We will continue to work on restoring your ability to manage your account the way you want, and deliver the quality service you expect. Additionally, we're experiencing higher than normal call volume, but our representatives and automated systems are working hard to take all calls that are coming through. Please try calling us again at your earliest convenience to submit your payment. Thank you, They say this is a result of a system update but I never received a notice of an update and the only notice of an outage or update on this outage I have received is from XXXX or XXXX.

Company response to consumer: Closed with explanation