BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 XXXX  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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
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:
I have been trying to resolve this issue with the XXXX bureaus for months in this account XXXX XXXX  XXXX {$18000.00} Account number XXXX. At one point the XXXX bureaus reported it as being in collection for XXXX month then they reported it being late and now closed. I have never been late as I take this matter seriously. I have requested by certified mail for the XXXX bureaus to provide full validation under FCRA and also requested them to provide documents on the company right to collect or deem its late. I have not received any such documentation. Because of this inaccuracies, I can't apply for a home loan. All my children are an adult and I have even continuously provided {$200.00} per month to help them out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04
Company: EQUIFAX, 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:
Equifax, XXXX XXXX XXXX has violated all of my The Fair Credit Reporting Act ( FCRA ) Rights by repeatedly reporting an account that is both inaccurate and fraud! XXXX XXXX is reporting different information to each consumer reporting agency. With Equifax they are reporting A balance owed of XXXX & A charge off date of XX/XX/XXXX. With XXXX they have reported XXXX balance. I have attached screen shots of this inaccurate info. They've reported to both XXXX and XXXX different dates also. XXXX show XX/XX/XXXX & XXXX Says XX/XX/XXXX. This account is fraud and has been reporting inaccurate information across the 3 consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Bread Financial Holdings, Inc.
State: PA
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:
To whom this may concern : I would like to state that according to 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. These companies are blatantly violating federal law ( 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information can be held liable ). I noticed unauthorized accounts on my consumer report. I have not signed any documents authorizing the organization to report any accounts on my consumer report therefore, the reporting of accounts on my consumer report violates the Fair Credit Reporting Act. I am requesting that your company blocks and remove all disputed fraudulent accounts from my consumer report pursuant to [ 15 U.S.C. 1681c-2 ] ( a ) Block Except as otherwise provided in this section, a consumer reporting agency SHALL block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I DID NOT GIVE MY WRITTEN CONSENT TO THESE COMPANIES TO OBTAIN MY PERSONAL INFORMATION. Therefore you furnishing accounts onto my consumer report is fraudulent and it is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX : {$81000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$190.00} XXXX  XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$0.00}

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 2021-05-06
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I got an alert on my XXXX credit report saying I had collection accounts effecting my credit score. There were 3 accounts with a total of about XXXX. So I did some investigating and found the company Dynamic Recovery Solution as the collection company. There is no original lender listed and there is no company listed as the entity that sold these false accounts to Dynamic Recovery Solution. So I disputed this info directly on the XXXX website ( am waiting results ). I reached out to Dynamic and requested the original loan docs for the 3 accounts that they were reporting for me, and they have failed to provide any type of proper documentation to show proof that the acts were mine. No loan docs, no promissory note, or any type of paperwork showing my signature or date. I am not even able to contact the original lender because there is not one listed!! I explained this to XXXX and am hoping they can remove these accounts asap, but I wanted to make a formal complaint with the CFPB to make this issue known on a larger scale. How are these companies able to reflect false information on my credit report while the " reporting agencies '' willingly accept the info without proper documentation? If proper documentation is not available to show proof that I own these accounts then they should not be on my credit report. PLEASE HELP!! 

The accounts in question that are falsely reported on my XXXX Credit Report are listed below. No original loan docs have been supplied and the Original Lender listed as Educational Loans is not a company at all. Please advise. 4 accounts totaling {$110000.00} All accounts start with the following number sequence. 

Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: Valor Intelligent Processing, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
In a recent interaction with a debt collector from Valor Debt Collection, I experienced unprofessional and disrespectful behavior that I believe violates the Fair Debt Collection Practices Act ( FDCPA ) guidelines. The debt collector, who did not provide their name, asked me if I had a job in a condescending tone and then abruptly hung up the call, preventing me from discussing my situation as a XXXX veteran. This conduct not only demonstrated a lack of professionalism, but also constituted abusive practices prohibited under the FDCPA.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, INC.
State: TX
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 is reporting the following XXXX debts that have not been validated and updated with the company name or contract informations. I do not know 1 ) if this is my debt 2 ) if it my debt WHO I Owe and where to pay. 
I have already disputed with Equifax multiple times over 4-6 months and still I do not have further information about the alleged debt listed below. 

I have a right to an accurate credit file and this type of inaccuracies is unacceptable. 

Account XXXX. XXXX XXXX {$110.00} Account XXXX. XXXX XXXX {$2000.00} Account XXXX. XXXX XXXX {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: CCS Financial Services, Inc.
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:
CREDIT COLL has been reporting a collection on my account in the amount of {$190.00} The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I hope your day is going well, but I need your help. I noticed the following issues with this account on my credit report. I did not authorize nor know anything bout this account listed. These are fraudalent accounts. i know my rights. this is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I submitted an online request for a credit line increase on XX/XX/21. I was sent an email on XX/XX/21 denying the increase due to recent use of this account 's existing credit line being too low. I call the company on XX/XX/21 to speak to someone for clarity on this situation. I spoke to a Rep named XXXX and she then spoke to that department that handles this and their response was to go to the Captial one link for any information regarding the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 Norstrom send a letter blocking my credit until they confirmed my identity and giving me a phone number to call, please referred for that letter previous complaint, I called the number to confirmed my info and when they ask me about my legal status I XXXX I say I have credit for tax id and a process to get legal resident, they ask me by when and I say around end of the year, they say unfortunately you was approved by mistake after almost 8 months they say because I don't have a social security number, I say I have more than 5 credit cards including store credits and credit by the credit bureau, I just recently find out I have a rights and protection by CFBP because Nordstrom denied and closed my credit card for no legal status in the country .I offered to provided my stated ID, electric bill and my passport and they say its not sufficient because my legal status in the country I don't have social security number, totally unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In reviewing my credit reports, I noticed a collections account from Jefferson Capital for a XXXX XXXX account that is not mine. The original creditor listed is XXXX XXXX. The amount shows as {$2100.00} I have no knowledge of this account. I have never had an account with XXXX XXXX. Upon contacting XXXX, they confirmed that they have no account associated with my name, phone number, or address. This is clearly an unauthorized and fraudulent account. 

I contacted Jefferson Capital and disputed this collection account. They have failed to provide validation of the debt and have not removed it from my credit report. 

This inaccurate information is damaging my credit score and ability to obtain credit. I am requesting that the CFPB immediately open an investigation into this fraudulent account and require Jefferson Capital to validate the debt or remove it from my credit report. Please also require the credit bureaus to delete any reference to this unauthorized collection. 

I have attached copies of my my correspondence with XXXX XXXX, and my dispute letters to Jefferson Capital as evidence. 

Thank you for your assistance in resolving this matter. Please let me know if you need any additional information from me. I look forward to your help correcting this unlawful entry on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX, is appearing on my XXXX Credit Report and the agency has refused to remove this item

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: Upgrade, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023 Upgrade sent a XXXX to my mortgage company on my behalf in the amount of XXXX. The mortgage company rejected the payment on the same day. Upgrade has yet to return my funds to my account. I forwarded the requested information to them on XXXX at XXXXXXXX XXXX CST, but they are now asking for that information again. I have been patient, however 10 business days is a long time to wait.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have two accounts one for XXXX and one for XXXX from PROTFOLIO RECOVERY they called me telling me that they are going to my job with papers to take me to court many many many times

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: PENTAGON FEDERAL CREDIT UNION
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: Account information incorrect

Complaint:
I am writing this due to non-complaince with the CRA ( XXXX, XXXX, XXXX ). 
They have failed to remove information that was affiliated with personal details that w ere chalenged in a past. 
I strongly beleve that they are in violotion of the FCRA and are outright refusing to uphold the law Futher more they continue to report late payments on closed and charge off account.

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 2023-11-10
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted this company after seeing if show up on my credit report! I told the company Ive never dealt with this company or the original company. The customer service did not give me any information and said the debt was mine, but couldnt give me information on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: LEXISNEXIS
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Over the past six months or so, I have written numerous times and have called requesting that my Personal Information be corrected for accuracy to avoid misidentification. I requested that reported name and address on credit report be corrected, per my submission of Identification Documentation, i.e., Driver 's License, Social Security Card and Auto Registration Card. Company has failed to completely correct my personal information, despite Identity Verification. Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Fnbo bank his black ball me by saying my information is fraudulent and denying me credit whenever I apply with them

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 2021-03-05
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Ive got my money stolen from me from my cash app because this person watched me put in my pin. 
This person is named XXXX XXXX $ XXXX is her Cashtag.She stolen {$220.00} and i didnt authorize this payment on XX/XX/2020 Although i did pay her {$25.00}, this person watched me put in my pin and waited until i was away from my phone to access my account from my phone and sent herself $ XXXX.I didn't notice this until later when this person had left the premises. 
I did not authorize this and I've brought this to the attention of cash app support with no real results. 
As a customer. I'm totally aware of the cash I send and receive and would label it as a mistake if that were the case. 
This was a person who stole from me and I requested a 'Right to refund from square. 
I don't feel like support is understanding that i dont make a lot of transactions so i know exactly what goes in or out. 
I have to record this for business purposes. I can not afford to send anyone large amounts of money without a label in the subject line. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
PAYMENTS WAS NEVER LATE. MISTAKE DUE TO MORTGAGE COMPANY SWITCHED COMPANIES. SHELLPOINT COMPANY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: AL
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:
Unauthorized inquiries 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 XX/XX/XXXX : Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX High Balance : {$1000.00} Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX High Balance : {$1000.00} Account Name : XXXX XXXX Account # : XXXX XXXX High Balance : {$720.00} Account Name : XXXX XXXX  Account # : XXXX XXXX High Balance : {$720.00} XXXX  Account # : XXXX 15 U.S.C 1681 section 602 A States i have the right to privacy.

15. U.S.C 1681 SECTION 2 : It also states a consumer reporting Agency Can not Furnish A Account without my written instructions.

Company response to consumer: Closed with explanation