BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-15
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021, I received an alert from my credit monitoring app, XXXX, in regards to a collection that has been reported by Radius Global Solutions for the amount of {$51.00}, account # XXXX. My spouse called the collection agency in an attempt to rectify this matter by having it removed from my credit so we could pay it. RGS refused to do so and claims can only report it as paid. While I understand there are certain aspects that are governed by the FCRA when it comes to credit reporting, I am also understanding of the fact that as unsophisticated consumers, we were not given the chance to reasonably resolve this debt. After all, it is only {$51.00} and are able to pay it. However, the damage to the credit has been done and paying will do nothing. 

We never received a validation notice or even a phone call advising that they had received the account at their agency. If we would have been made aware that it was owed, we would have been more than happy to resolve the debt. While I am not disputing the debt at this time, I am submitting this complaint in regards to never receiving the validation letter at the correct address which would have notified me of my rights under the FDCPA and for this matter I feel that the company his performing abusive and deceptive acts and practices.

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: EQUIFAX, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The balance on the credit cards have been reduced. The credit card providers indicated that the updates on the card balances were sent to the 3 credit reporting agencies however, my card balances haven't been updated and I need my report to reflect a lower credit utilization since I am applying for a mortgage. The delay in updating my balance is also delaying my ability to apply for a new mortgage.

If I were 30-day late on any credit card payment, the 3 credit reporting agencies would've immediately update my credit report. I am requesting that the credit card balance on 5 credit cards be updated to reflect the lower amount which will increase my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have repeatedly attempted to prevent NAVY FEDERAL CREDIT UNION from removing funds from my checking account to pay for credit debt owed to them. I am aware I am behind, as I was laid off from my previous job and have only just began a new one, but I've yet to receive a paycheck. I do not have money to spare to pay for the late credit cards. Attempts to prevent removal of funds from my checking account proved unsuccessful even after I had explained that they were taking the last XXXX dollars to my name that was going to be used for gas to make it to and from work. I was told I should have " taken a better look at the credit card policies '' by the representative. I was never informed of these collection methods as it is federally unlawful to remove funds to pay for credit cards without my authorization. But I was fooled by the fine print, I'm sure I was not the only one. I planned to pay the owed amount as soon as possible, within the month, as I have more pressing debts to pay such as rent, car note and insurance. This seems to be a bully tactic and I hope for some sort of resolution as I am now backed into a corner and can't even afford to make it to my place of employment. Attempts to stop the unauthorized removal of funds took place on XX/XX/2019 and XX/XX/2019 on a recorded line with their collection services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: PNC Bank N.A.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s 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 account/s below PNC BANK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: TX
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
My visa credit card with Bank of America was used for fraudulent transactions between XX/XX/XXXX and XX/XX/XXXX. 

There were 20+ fraudulent transactions that happened in just a couple of days ( card used across multiple states on same day ) and I had informed BoA about all the fraud transactions after I got alerted through the the fraud alert on phone for one of the transaction on my phone. BOA had immediately reversed all the transactions ( thank you to them ) and had blocked my card. I was informed that a new card is being dispatched. 

However, a couple of days ago, I checked online and noticed that all the fraud claim charges were put back on my new card. When I called the BOA helpline, they told me that based on the information received from merchant they reversed the fraud claim. I had asked them to share the information but as per them they are not able to share the details. The card was used across multiple state ( NJ, CA, MA etc. ) on same day and physically also at car dealerships, hotels, along with some online orders. For example 1 ) XX/XX/13 - two transactions of {$700.00} and {$400.00} at XXXX XXXX XXXX XXXX CA using Physical card 2 ) Same day i.e. XX/XX/13 - two transactions at XXXX XXXX XXXX XXXX NJ using physical card ( {$650.00} and {$460.00} ) 3 ) Same day i.e. XX/XX/13 - two transactions at XXXX XXXX XXXX XXXX NJ using physical card ( {$400.00} and {$550.00} ) I had asked BoA to recheck through an appeal process officially. I have requested them to get photos from merchants of people who physically used the card across NJ, CA on same day as this is a criminal activity. 

Please also note that physical card was in my possession all throughout which I had also informed BoA during fraud claim process. They had recently dispatched a wireless card to me ( just before this fraud started happening ) which I was yet to open and use. Looks like either a duplicate physical copy of card is created through the new card while it was in mail transit. Or a copy of old card is created using data theft at one of the merchants where I have used it in past or a data theft from some companies data online base. 

While BOA has taken an appeal, they are not reversing the transactions and they have told they will not be able to share any details received from merchants about my claim. 

Therefore, I am concerned as the amount of fraud is significant ( close to {$5000.00} ). I can share more details whatever is required to find the culprits and resolve the fraud. Please help guide me on next steps as BOA is currently not reversing the transactions. Thank you in advance for help and guidance! 

Regards, A Bank of America Credit card customer

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 2023-04-10
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$1800.00}

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 non-monetary relief
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: NY
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 Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-07-19
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:
My credit report is showing late payments to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or creditors customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
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 disputed a Collection Account with Portfolio Recovery that they say they sent me a letter in 2015 advising me of this debt, I would like a copy of the contract that I am suppose to have with XXXX  XXXX in reference to this invalid debt. Portfolio has not provided me with anything but a 6 year old collection letter fro XXXX XXXX, which I also did not receive from them. I would like a copy of the agreement that is authorizing Portfolio Recovery to collect this account and a copy of the documentation showing this account was sold to them and how much they paid.If the original creditor sold a debt to a collection agency, they also wrote off your debt on their taxes which wrote off your obligation to pay. As I still dispute this debt, and Portfolio can not get the documentation required to Validate and or verify this debt, and send me copies of such information, if the debt was mine, I still would not pay it as it does not exist, so why would I pay a debt that can not be proven?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  ( Original Creditor : 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 a account without my written instructions 15 U.S.C 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 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 2023-11-07
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ICS said the account was opened XX/XX/2023 but I had been with XXXX for at least 2 or three years. The account status says open but when I called XXXXXXXX XXXX fraud dept, they said there was no information on my account that I owe anything. 

I talked to customer service and they said the same. I had a debt like this years ago and it was paid because I had XXXX  ( now XXXX ) after that, which wouldn't 've have happened if the debt wasn't paid. Again, years ago. 

This is fraudulent. I only received the debt from ICS and then they appeared on my credit report. I can provide my service provider billing info at the time for XX/XX/XXXX because I wouldnt have two different internet companies at the same time. 

I told them to prove i owe it to which they said i owe them in response. I disputed and they said in the email, " thank you XXXX XXXX for your help, you can set up payment arrangements for the amount. 

Back when they were billing me this- I called XXXX and the lady said someone at my old address racked up the bill. She said she would take care of it and I heard nothing for months until I had it on my credit. I don't mind paying what I owe, but not what I don't owe. I was part of the XXXX compromise and have had numerous problems since.

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 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

I need this item removed from my credit report immediately or further legal action will be taken.

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 2023-03-11
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:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX : XXXX has violated my rights. Or a list of Inquiries : 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24
Company: Experian Information Solutions Inc.
State: LA
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've contacted the original creditor ( XXXX XXXX XXXX ) and all 3 credit bureaus XXXX, XXXX, and Experian about inaccurate information that they're continuing to report on my credit reports. 
Please Verify and Validate all data for the account, every notation, dates and balances whether reported or not. I've been ignored and is in violation of my consumer rights according to the FCRA. This account needs to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

All 3 credit bureaus are reporting incorrect dates of when the account was opened, and the amount owed. I would like to be provided with proof of where and when the vehicle was RESOLD and the amount it was sold for. According to FRC section ( 609 ) if you have no proof of any one, I would like it removed immediately. I would like an update mailed to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: DISCOVER BANK
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Date : XX/XX/2021 Amounts : 0 Actions : Close my account by Discover Bank I applied for a credit card on XX/XX/2021, and I provided all the information for the verification process. However, since I received the card on XX/XX/2021, this card was placed on hold and I never have an opportunity to use it. On XX/XX/2021, Discover Bank just send an email to me stating that " we have closed your Discover card account effective immediately ... We will report to the credit bureaus that the account was Closed by Grantor. '' Such closure was made without any details. 

Due to such closure, my credit score will be negatively affected. It is unfair because I do not have an opportunity to enjoy the benefit on this card while Discover bank puts my credit score at risk. 

Even though I have talked with Customer Service many times, they failed and refused to provide any details about the reason for closing. It will unfair for me to suffer from a reduction of credit rating without knowing the reason. 

Besides, such closing was made without any prior notification to me. I do not have an opportunity to provide further information to the Bank in order to protect my right to fair credit rating.

Such action has infringed my rights under Fair Credit Reporting Act. Such a report on closing my accounts will damage my credit score and further assessment of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Charges made without my knowledge.

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 2023-09-15
Company: Experian Information Solutions Inc.
State: FL
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:
It all started with a change in my credit report about a charge on a XXXX Bank credit card associated with an address that is not mine, after that we contacted Experian and began the procedures with the fraud report, we also contacted XXXX Bank and they removed that account from my history to protect my identity and sent me a letter with all the information. XXXX informed me that I should file a police report at : XXXX, and that is what I am doing.

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