BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

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. 
XXXX Account # XXXX commonwealth financial XXXX common wealth financial, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: REGIONS FINANCIAL CORPORATION
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:
I'm sending this letter to have inaccurate information deleted that's reporting to XXXX, XXXX and XXXX. I've tried to have Regions Bank and the credit bureaus to delete numerous 90 day late from XX/XX/XXXX to XX/XX/XXXX when my account was closed on 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 2023-07-04
Company: W&A Intermediate Co., LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX verified a medical debt that is open but that is also a collection account. 
With a balance that is increasing daily. This is not my debt. I want it validated. Where is my signature. It's wrong to come after me with fraudulent debt/information..My credit score is hurting from the Lies of Wakefield & Association . I didn't open any debt in XXXX of any year. Balance on this collection is going up and my credit score is hurting. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
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:
Date : On XX/XX/2017. Someone stole my information and applied for loans. Now i have 6 inquiries on my credit report. I never applied for, co-sign, or gave any of my information to XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and Huntington Bank. Please help my get these off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TrueAccord Corp.
State: MO
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:
XX/XX/2023 Request for Deletion of Charge-off with Forward Follow Agreement I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between True Accord LLC and Affirm INC As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the charge-off is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process.

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details.

I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. 

Thank you for your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: ERC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE. I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION. I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
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: Old information reappears or never goes away

Complaint:
I have received all credit agency credit report in XX/XX/XXXX. I started to send letters to begin the disputing process upon the inaccurate information. Nothing happened, so on XX/XX/XXXX I started to make phone calls to each bureaus, I realized that there were addresses that did not belong to me. As like, XXXX XXXX XXXX, XXXX, Florida XXXX is one of them. I have disputed these with all three, XXXX, XXXX, and Experian. Added a Fraud Alert on  each credit bureaus account. 

As of XX/XX/XXXX The address was removed from all three credit bureaus either by a phone call or by a letter. 

XX/XX/XXXX I reviewed my credit report and realized this address XXXX XXXX XXXX, XXXX, Florida XXXX has reappeared on my credit report. i did not receive any notification as to why this address re-appeared on my credit. 

I have attached proof of notation of removal or the report is shown the address is removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I was staying at the. XXXX XXXX XXXX in XXXX, ME at room XXXX. I was told to leave. right away. I later found out that there was a fire at the hotel. I left many items in the room. And I there were other items that I ordered which I had to leave due to the fire I am now being charged for these items. I explain this to XXXX and XXXX who I ordered it from. And they told me I would not be charged. I also explain this to AAdvantage So told me they would not charge me, yet they are charging me. I had a conversation on the phone with XXXX who threatened to lower my credit score, which I. do not believe is illegal. I also had a conversation on the phone with someone named XXXX who I explained the situation to and I told him that in this situation. they are supposed to have an investigation and remove and remove the charge until the investigation is done. Yet I see these charges as valid. It's not pending, which is not what they are supposed to do. I'm going to I will list the total charges below which I'm being charged for. 

My card number at the time was. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 investigate this and get back to me when you can. I appreciate your assistance in this matter. 
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 2019-02-01
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have received all credit agency credit report in XX/XX/XXXX. I started to send letters to begin the disputing process upon the inaccurate information. Nothing happened, so on XX/XX/XXXX I started to make phone calls to each bureaus, I realized that there were addresses that did not belong to me. As like, XXXX XXXX XXXX, XXXX, Florida XXXX is one of them. I have disputed these with all three, Equifax, XXXX, and XXXX. Added a Fraud Alert on each credit bureaus account. 

As of XX/XX/XXXX The address was removed from all three credit bureaus either by a phone call or by a letter. 

XX/XX/XXXX I reviewed my credit report and realized this address XXXX XXXX XXXX, XXXX, Florida XXXX has reappeared on my credit report. i did not receive any notification as to why this address re-appeared on my credit. 

I have attached proof of notation of removal or the report is shown the address is removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18
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 and XXXX are reporting me 30 plus  days late on XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. It is impossible to be 30 plus days past due on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. I have contacted the two bureaus to fix this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Portfolio Recovery Associates Account : XXXX XXXX This account is reporting inaccurate and incomplete across all 3 consumer reporting agencies. This is a violation of my rights and 15 USC 1681 s-2 as well as 15 USC 1681 e. 

After asking for method of verification from XXXX, XXXX, and XXXX whom have failed to provide any response. This account is reporting inaccurate according to the Metro 2 Compliance Standard. 

After stating the account has been updated or verified, how is that possible if the account numbers are different, as well as different open dates, different payment history, and last activity dates are different as well. This shows the account is incomplete and inaccurate. 

I also mailed Portfolio Recovery Associates and they have failed to provide the information I requested. I requested Notice for validation of debt per se 12 CFR 1006.34c. 

I have attached below all Exhibits Certified Mail sent to data furnishers of information below. 

This account needs to deleted from my account because it is incomplete and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I contacted XXXX XXXX which then became Navient without my knowledge until I received an email from Navient. XXXX XXXX did not warn me about the company changing over, nor did they update me with contact information for Navient. I have received SEVERAL emails that I still poses forcing me to make payments while I was in school. I was always told payments are to be in derferment if the student is enrolled in a certain amount of credits for the semester. Well, I received emails telling me I was delinquent on payments, and how I needed to contact them right away. The emails told me payment was coming due because of the terms changing on my loan. I tried to call them to work out a plan a while back, but they told me they had no plans to fit my needs. All I constantly received was emails telling me the term for my loans have changed and I had to pay this amount by this date. This was unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Paypal Holdings, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an email from PayPal saying I owed {$960.00} which they needed to take out of my account for cryptocurrency. I do not have a PayPal account that I have used in the last year or so and I did not purchase any XXXX account. When I tried calling the number they became abusive and wanted to log into my computer and get my personal information to stop the payment. I contacted XXXX and PayPal because the email came from XXXX and PayPal. They have both been made aware of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Social Finance, 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:
I Had Noticed the Hard Inquiries that I had never authorized to Pull from creditors. 
Someone stole my information and used them XXXX  1. Sofi lending XXXX 2.  XXXX XXXX XXXX XXXX, 3.XXXX XXXX XXXX XXXX 4.XXXX  XXXX XXXX XXXX 5.XXXX XXXX XXXX XXXX XXXX 6.XXXX XXXX 7.XXXX XXXX XXXX XXXX 8.XXXX XXXX XXXX XXXX 1.XXXX XXXX XXXX 1.XXXX XXXX and XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A full walk through was completed when I moved out of this apartment with the leasing staff present. No damages were mentioned, charged, or recorded. XXXX XXXX XXXX nor the new owner of this alleged debt has not submitted photos of alleged damages, a copy of the maintenance requests I reported months PRIOR to my move out date, or the rental inspection checklist that was completed when I moved out as I have been requesting for years. The apartment complex was also provided my forwarding address. National Credit Audit did not send notice of any alleged debt to that address nor did XXXX XXXX Apartments. An official letter from the apartment complex would have ALSO included the amount of my deposit and that it would be applied to any fees owed.

As a tenant, I am not responsible for repairs to old appliances because of normal wear and tear according to my lease agreement. The only evidence submitted was a list of all itemized expenses in TOTAL that the apartment spent to prepare my unit for a new lessee. That itemized list that was typed up on a word documents. It was not in the leasing companys letterhead. Nor was it dated or signed. The NAME of the leasing agent who TYPED the document wasnt even printed or typed! A sheet of paper without a NAME, DATE, SIGNATURE, OR COMPANY LETTERHEAD sufficed for the credit burueas to VERIFY this debt? The evidence submitted I believe was fradulent. This apartment complex was in the process of renovating ALL of its landscape and rental units. I know this for a fact because I still visited those apatments after I moved out since I had a relative and a friend that lived there! The landscape, leasing office, signs, gym, and every unit was upgraded! Those are typical business expenses. Charges for new carpet and appliances that were needed for complex wide upgrades were unfairly and incorrectly listed on my credit report. My apartment carpet was also undamaged and stain free. 

I am requesting this company provide the following evidence : Photos of alleged damages or a copy of an awarded court judgement. 
Copy of the maintenance requests I reported for 2 old appliances MONTHS PRIOR to my move out date. 
DATED rental inspection checklist that was completed when I moved out that lists all damages. 
Notice of any alleged debt from National Credit Audit to the forwarding address I provided XXXX XXXX. I can not dispute or pay a debt I am unaware of! 
A letter from my apartment complex would have ALSO included the amount of my deposit and that it would be applied to any fees owed. An official document would have a letterhead, date, and name.

Or delete this from all 3 credit bureaus! I have sent them several letters requesting them to verify this debt over the past 6 months with no response to date!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
Company: Albert Corporation
State: IN
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:
Albert banking. Signed up for this through a referral. Never got the {$20.00} referral bonus either. Since then, I was charged {$6.00} weekly, and then another charge of {$9.00} XX/XX/XXXX. Tried to close account and was REFUSED for XXXX business days and would still be charged the {$6.00} again in meantime. Then after trying to close multiple times, I was then charged a yearly subscription fee of {$140.00} that I did not authorize. There is no actual customer support over the phone, only via text and this is unacceptable. They are saying they'll refund me for the overdraft fees, but am not counting on it. Now I'm out over {$170.00} for a card that I did not authorize any of these transactions for.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I recently submitted a complaint with the CFPB about my federal student loans form navient. I asked for 40 % reduction on my student loans because my school was closed down due to false advertising and other laws that were broken for the For profit school XXXX XXXX. I submitted the response from the CFPB to navient along with the school loan application and was denied because I did graduate the school. Although I did graduate it still does not take away the XXXX payment that navient is asking me to pay monthly or the other loans that I had to take out while attending this school. it was over XXXX XXXX given back for the students that were affected and I was one of the many students effected by the XXXX scam and I feel I am entitled to my 40 % reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items:XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation