BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am filing this complaint because I'm going through a really stressful time due to Portfolio Recovery Associates , LLC 's actions. I filed an arbitration case against Portfolio, which is reporting the account involved in this matter. Portfolio has refused to arbitrate the matter thereby violating the contractual agreement that was in place with XXXX ( the original creditor ). Portfolio has been overly aggressive and has harassed me in trying to collect this debt, for which I wanted to take legal action, and the contract only allows for arbitration. 

So my purpose with this complaint is that the CFPB opens an investigation so this company does not continue to evade its responsibility to respond to arbitrations filed by consumers. I am attaching the proof of the filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
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 Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 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 non-monetary relief
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Problem with personal statement of dispute

Complaint:
I got a response from TransUnion and XXXX one stating information I provided has been updated and the other saying no credit report file in data base so Im totally confused to why they wont delete these dinosaur accounts thats affecting my credit score and holding me back from progressing in life. And I still havent heard anything from 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 2023-05-05
Company: EQUIFAX, INC.
State: GA
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:
The credit bureaus do not respect the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this 1. " XXXX XXXX XXXX '' Is Inaccurate. I Have tried multiple times to have them fix the situation. I also provided proof that the credit bureaus do not match with each other. 
Amount : {$15000.00} 2. " XXXX XXXX '' Was paid In full, Is inaccurate. Is Inaccurate. I Have tried multiple times to have them fix the situation. I also provided proof that the credit bureaus do not match with each other. 
Amount : {$140.00} 3. " XXXX XXXX '' Is Inaccurate. I Have tried multiple times to have them fix the situation. I also provided proof that the credit bureaus do not match with each other. 
Amount : {$1400.00} 4. " Account Number XXXX '' Is inaccurate Has no listed information for this account just a debt. Is Inaccurate. I Have tried multiple times to have them fix the situation. I also provided proof that the credit bureaus do not match with each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Affirm Holdings, 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, Affirm Loan 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 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 account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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, XXXX XXXX Account # XXXX, WI BANKRUPTCY 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 2017-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit card payment to XXXX on credit report marked late. Not in fact late. Confirmed that XXXX did not report the payment as late. See attached. One credit bureau already removed the entry.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof for the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.

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 2023-10-19
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 requesting that your bureau reevaluate my identity theft dispute and conduct a thorough and unbiased investigation in compliance with federal law. I expect a response that adheres to the legal requirements of the FCRA, including notification of the results and any necessary corrections or deletions to my credit report. I trust that your bureau will take this matter seriously and act promptly to rectify the unjust denial of my identity theft claims. Failure to do so may compel me to pursue legal action and report your noncompliance with federal law to the appropriate regulatory authorities. The identity theft claims in question pertain to fraudulent activities on my credit report. These fraudulent activities include : 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  Please delete these fraudulent accounts 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 non-monetary relief
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint is being made by the consumer XXXX XXXX XXXX XXXX XXXX Please see identity theft report. I have Consistently disputed fraudulent accounts that result from identity theft on my credit profile. Experian has ignored my verified claims and is unlawfully, illegally, and conspiring with the furnishers reporting fraudulent accounts on my credit profile. Experian, XXXX, and XXXX each have not provided me with the results of the recent Investigation within the allotted time provided in the FAIR CREDIT REPORTING ACT. My person and household have been affected tremendously by the inaccurate credit reporting that these companies have been doing against me. I also feel discriminated against as I have disputed these items a multitude of times and cooperated with the guidelines of the FAIR CREDIT REPORTING ACT and have not been fairly treated. Am alleging that these companies are not in compliance with all applicable laws.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 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 2023-08-23
Company: Experian Information Solutions Inc.
State: PA
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, Experian has violating my rights. Under 15 U.S.C. 1681 section 602, states, I have the right to privacy. 15 U.S.C. 1681 section 604a section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666b, a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose. 15 U.S. Code 1681a - Definitions : rules of construction, The term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency ( Experian ) bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living... Further, under ( 2 ) EXCLUSIONS, it clearly states except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; the reporting of XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX XX/XX/2023, as having late payment and being charged off is a violation of my 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 explanation
Consumer complaint received 2022-05-22
Company: EQUIFAX, INC.
State: IN
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 filed a dispute with Equifax concerning XXXX XXXX XXXX. 
I stated that the company has failed to give me a verification of debt or notice of the bill, I also filed a CFPB report on this company, they have not replied to the complaint. 

Equifax has said the debt has been verified which is a lie. Equifax has not went through the proper steps to verify a debt according to the Consumer Credit Protection Act. 
This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2023 I logged into Experian to check my credit score like I always do and as they always do they suggest a free 10 day trial for a paid membership to see all my credit scores. I selected the free trial and looked at my scores. On the same night I canceled the membership but I was still able to see the upgraded features until the trial ends. I received a cancellation email and I thought I was all set. 

On XXXX when my free trial membership was set to end I received yet another email from Experian confirming that I had cancelled and that my membership was downgraded to FREE. That same day I received a charge on my credit card from Experian. Concerned I wrote to them online asking that they remove my credit card from file. I also let them know that I had cancelled. Their response basically blamed me for not cancelling my membership on time and gave me a " one time, courtesy refund ''. I wrote back to them with screenshots that I had cancelled my membership and asked a second time for my credit card be removed from file. 

They completely ignored the cancellation proof by me, didn't acknowledge it and is refusing to remove my credit card from file citing internal policies and reassuring me that my card is protected from unauthorized use. I emailed them another time again, this time directly accusing them as the one with the unauthorized use and they have continued to refuse to remove my credit card from file. The only recourse I appear to have is to cancel my credit card which will cause me other inconveniences that I shouldn't have to endure.

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 2023-08-23
Company: Experian Information Solutions Inc.
State: GA
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-10-01
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:
It has been brought to my attention that the Credit Reporting Agencies are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this CFPB complaint to help establish a legal recourse. If the Credit Bureaus choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge : 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 XXXX XXXX XXXX XXXX XXXX. If the Credit Bureau claim these items are 100 % accurate and verifiable then I need the Credit Bureaus to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file they maintain under my Social Security number.

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 2022-01-07
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Synchrony BankXXXX has been violating my rights as a natural person and federally protected consumer under 15 USC Chapter 41. They have been claiming to be the creditor and claim that I owe fraudulent debts. I am the Original Creditor- Per 15 USC 1602 ( g ). I filed an identity theft report on XX/XX/XXXX ( date shows differently because I printed it out again on XX/XX/XXXX ). I was sent back a letter on XX/XX/XXXX stating that the alleged debt was mine and they couldn't approve my fraud claim ( file attached labeled " XXXX XXXX Exhibit XXXX '' ). I sent an Affidavit of Truth to them via certified mail informing them of the violations ( & proof of each- which are attached ) they have committed that have caused much harm to myself, reputation, and overall quality of life. The Affidavit of Truth was received and I got back the green return slip letting me know it was in the hands of the CFO of the company XX/XX/XXXX. I did all steps needed to exercise my rights and Synchrony Bank/XXXX XXXX not complying. This is not my debt to pay back!

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 2023-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/2023 at XXXX XXXX  I started receiving emails from Bank of America stating I needed to verify my email, that my online application was in process, I was enrolled in mobile banking, and lastly that my application was approved. 

To be clear, I do not have a Bank of America account at all. 

Anyway, then I went to the login to see if I could do forget password to see WHO was trying to use this account. I did forgot password which asked for the last six of this new account. I had that in one of the emails and then it asked for your SS #. I used mine and it worked to get me to the request a auth code to your phone number. The number was not mine. I then called Bank of America and closed this account as I did not make it and someone is using my information.

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