BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I attempted to make a {$920.00} check deposit and the ATM ate my check and locked down on my ATM card. I walked inside the bank, explained what happened, filed a dispute, and called corporate and filed one there too. I was told a couple days, a few days before it would be investigated. I've called every day and no one can tell me anything. Two months ago this same thing happened, I avoided the ATM, but was told someone came out and fixed it. Obviously they didn't. No one seems to care about me getting my money. I am switching banks because of this. I banked at Huntington for 20 years, my account has ALWAYS been in good standing yet they won't even issue a temporary credit like they did two months ago. This is their fault 100 %. They took my money, they're keeping it, it shows no one is investigating this yet. Can you help.? I made the deposit XX/XX/2023 XXXX XXXX at Huntington Bank XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The original credit card company charged off my account as bad debt, meaning they can not collect on it. If they do it would be fraudulent. Portfolio Recovery Associates , LLC claims to have paid off my debt and now wants me to pay them. I did not authorize whatever the agreement my previous credit card company has with Portfolio Recovery Associates , LLC, I DID NOT ASK for it nor are they privy to contract with me. Portfolio Recovery Associates , LLC has been negatively reporting on my credit report for 4 YEARS, 11 MONTHS and I am done being harassed and bullied by them, trying to trick me into contracting with them. I've disputed many times and the credit reporting agency refuses to listen to me. Portfolio Recovery Associates , LLC only responds to my dispute with old bills from previous company. NOT THEM. And because the original creditor sold my account and information to Portfolio Recovery Associates , LLC they violated the Privacy Act and is an automatic {$5000.00} fine, so therefore I DO NOT OWE Portfolio Recovery Associates , LLC and original creditor anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Stellar Recovery, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
on XX/XX/15, I received a claim against my credit score for a debt belonging to XXXX XXXX. I tried to contact Stellar Recovery INC and they have no phone number or website. I called XXXX XXXX and they said they show no records of my debt.

Company response to consumer: Untimely response
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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely UPDATED : XXXXXXXX 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 2023-08-24
Company: Idaho Housing And Finance Association
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:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors.

15 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing.

15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. 

The following items on my credit report are inaccurate and need to be addressed : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I ask that they be removed or corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. 

Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: SC
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:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Experian Information Solutions Inc.
State: AR
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$510.00} XXXX XXXX   XXXX {$7500.00} XXXX XXXX {$800.00} XXXX XXXX  XXXX {$670.00} XXXX   XXXX {$3800.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$560.00} XXXX XXXX {$570.00}

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 2023-10-03
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 status incorrect

Complaint:
There are 3 credit cards in my credit report that looks like were open years ago and is affecting my credit. I have a police report when i found out my identity was stollen. These credit cards are : Bank : XXXX XXXX  : XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( They told me that there was another company that handles this account in my name. This is the information ) : XXXX - XXXX XXXX XXXX XXXXXXXX XXXX  XXXX : XXXX ( XXXX ) XXXX ( It seem that this one was opened and never used but, for some reason is in my credit like it was never payed ).

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 2023-08-24
Company: ID Analytics, 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 am submitting this complaint to SAGESTREAM due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable accounts, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, accounts status and payment history are still reporting. 

My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: AMERICAN EXPRESS COMPANY
State: OH
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:
Fraudulent inquiries:
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: FIRST HORIZON BANK
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 previously filed a complaint about a credit card showing up on my credit report. 
First Horizon says that they do not have me as an authorized user on a credit card. 

Yet, on the credit report it shows a card from First Horizon indicating that I am an Authorized User. 

If First Horizon states that I am not, no relation to any bank account, credit card or debit card, then there must be a reporting error? Or did they issue a card and can not close it for some odd reason? 

I want to avoid any fraudulent risks. 

If I am not an authorized user on any accounts or cards, on what basis are they reporting?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent in several disputes demanding Proof / Documents from Experian and yet they haven't sent me anything. Experian Keeps replying online saying that it Remains, without them sending me any Proof/ Documents showing that I owe this debt. I need this Removed Immediately. My rights as a consumer have been taken advantage of, I know that Experian is obligated to Send Me Proof /Documents as I have requested several times. I want this Debt Removed Immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: VA
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 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: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I set up a payment from Huntington online bill pay to XXXX XXXX credit card for {$76.00}. It was removed from my checking account and sent on XX/XX/2023 to be delivered by XX/XX/2023 as guaranteed. The payment due date was XX/XX/2023. When I received my credit card statement the following month with a due date of XX/XX/2023 for a late fee and interest charged of {$29.00} I called both Huntington and XXXX XXXX credit card immediately. XXXX XXXX told me the payment didnt arrive until after XX/XX/2023, the closing date of the next statement. Huntington told me they had no control over the mail but they guarantee the the payment will arrive on time if made by XX/XX/2023. This credit card payment always took 5-7 days and informed me each time that I set up payments. I spoke to XXXX and supervisor, XXXX. The supervisor refused to work with me. They would not reimburse me for the late fee and interest charges. I also called XXXX XXXX and they refused to refund the late fees and interest charges. Since neither one would work with me I quit using the credit card and paid the fee and interest charged by phone by the due date in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03
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:
Experian is currently reporting information that is incorrect and publishing it on my consumer credit report. I have contacted them several times in reference to this matter and they have not provided the requested information with my signature on it. Also, the balances on the accounts and the payment history are incorrect. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 6048 A, Section 2, 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. 

The following accounts should not show late payments and the status of the account should be positive. 

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 2023-08-24
Company: LEXISNEXIS
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 am submitting this complaint to LEXISNEXIS due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable accounts, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, accounts status and payment history are still reporting. My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, INC.
State: MI
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 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 XXXX XXXX XXXX XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions 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 hope this complaint finds you well. I am writing to bring to your attention a matter of utmost importance regarding my personal information on record with your organization. I have recently discovered an erroneous address listed under my name, and I believe it to be the result of identity theft or a data entry error. 

The incorrect address in question is : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I want to make it abundantly clear that this address does not belong to me, nor have I ever resided at this location. My only legitimate address is : XXXX XXXX XXXX XXXX, GA XXXX I am deeply concerned about this discrepancy and its potential implications. I suspect that my personal information may have been compromised, leading to this unauthorized address appearing in your records. To protect my identity and prevent any further issues, I kindly request that you investigate this matter promptly and take the necessary steps to remove the incorrect address XXXX XXXX XXXX XXXX , XXXX XXXX, GA XXXX from your records. 

Furthermore, I would appreciate it if you could provide me with any information or assistance regarding the source of this discrepancy and any actions taken to rectify it. My primary goal is to ensure the accuracy of my personal information and prevent any future instances of identity theft. 

Please treat this matter with the utmost urgency, and I kindly request your prompt response to confirm the removal of the incorrect address from your records I appreciate your immediate attention to this matter and thank you for your assistance in resolving this issue. I trust that your organization will take the necessary steps to safeguard my personal information and prevent any further unauthorized changes to my records.

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