BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-16
Company: Alliance One, Inc.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following information is the account information and the amount that is supposedly owed by me. 

The account is from XXXX Acct # XXXX with a balance of {$1100.00} I am a victim of identity theft and fraud and have never had XXXX. I have been a customer of XXXX and XXXX XXXX XXXX. I am submitting a copy of my police report with my local police department. 

Please verify and validate all data for this account, every notation, dates and balances, whether reported or not and I would like to be provided proof of the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per fcra. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt and that all their details match the original creditor. Without it, it must be removed as per fcra. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter or email communication. 

I look forward to hearing from you soon. Have a wonderful day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: FL
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:
I am writing to file a formal complaint against [ Credit Reporting Agency Name ] concerning multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding adverse accounts that have been closed, the reporting of late payments, and the reporting of charged-off accounts.

Details of the Complaint : 1. Reporting Adverse Accounts That Have Been Closed : XXXX, Equifax and XXXX has continued to report adverse accounts on my credit report that have already been closed. This practice is in direct violation of the FCRA, which mandates that adverse accounts that have been closed should not be reported on a consumer 's credit report. This incorrect reporting misrepresents my financial history and negatively impacts my creditworthiness. 
2. Reporting of Late Payments : I have discovered that XXXX, Equifax and XXXX has reported late payments on my credit report, which is a clear violation of 15 USC 1666B. The FCRA requires credit reporting agencies to ensure the accuracy of the information they report. The reporting of late payments when no such late payments occurred is a significant breach of this requirement. 
3. Reporting of Charged-Off Accounts : XXXX, Equifax and XXXX has reported charged-off accounts on my credit report. According to the Internal Revenue Service ( IRS ), charged-off accounts are considered income, and they should not be reported as outstanding debts on a consumer 's credit report. This practice misrepresents my financial status and creates an inaccurate reflection of my creditworthiness. 
I have attempted to resolve these issues with XXXX, Equifax and XXXX directly, but my efforts have been unsuccessful in rectifying these violations. I am turning to the CFPB to seek assistance in resolving these matters and to ensure that my rights as a consumer under the FCRA are protected and upheld. 
I kindly request that the CFPB investigates these violations and takes appropriate action to address and rectify the inaccuracies on my credit report. I also ask that XXXX, Equifax and XXXX be held accountable for its failure to comply with federal regulations and its impact on my creditworthiness. 
Enclosed with this letter are copies of my credit reports reflecting the inaccurate information, as well as any related documentation that supports my complaint. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: PA
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 OPM 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 XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$64000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$21000.00}

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 2023-05-03
Company: Experian Information Solutions Inc.
State: MD
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:
Dear Experian, I am writing to dispute the accuracy of the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX accounts that have been reported on my credit report. After reviewing my credit report, I have noticed that these accounts contain inaccuracies and errors that need to be investigated. 
I am requesting an extensive investigation into these accounts and information on how these debts have been verified as accurate. Specifically, I would like to know which tools were used to validate these alleged debts and what evidence was used to certify them. I believe that this information is necessary to ensure that all relevant information was taken into account and that these accounts are accurately reflected on my credit report.

I also believe that the reporting of these accounts may be in violation of various sections of the Fair Credit Reporting Act ( FCRA ) and other relevant laws. Therefore, I request that you investigate these matters thoroughly and take appropriate steps to correct any inaccuracies in the reporting of these accounts.

Please keep me informed of the progress of your investigation and any actions taken as a result. If any of these accounts can not be verified as accurate, I request that they be removed from my credit report.

Thank you for your attention to this matter. I look forward to hearing back from you soon. 
Sincerely, 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 2022-12-18
Company: EQUIFAX, 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  # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have a BlueBird American Express Prepaid Debit Card. Log-in would not accept a saved username and password on a card I have had for 10 years. We changed the password, used it, and then it locked us out permanently holding my minor child 's money ( MY MONEY ) essentially XXXX. I have tried changing the password, I have tried opening a new account, but it doesn't port the money over. There is no customer service to call because it's automated and it only asks me to activate my card as if it is new and it's over 10 years old. I do not have a 4 digit number to give them to activate it because it is not new, then the automated service simply hangs up on me. There is no chat feature, and there is no email contact. This is not a credit card. I have not defaulted on anything. I need to get into my child 's account. They are keeping me from MY MONEY with absolutely no way to reach them. This is my child 's chore money and her card. Don't they realize this is illegal?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
I closed my credit card with Capital One more than two years ago. Last month Capital One reported to the credit bureau that I had outstanding, unpaid balance. After researching, I found out it was annual fee, interest and fees being charged for a closed account. I never received a bill By mail, nor any notice to my email or telephone. I noticed when I needed to purchase a car that my credit score went down from 800s to 600s. I called capital one and they stated that it was a mistake and that they would correct the negative report to the credit bureaus, in which they did not do it. My credit score is still in the low 600s. I need capital one to correct the mistake they make and take responsibility for their incompetence. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
THE HOME DEPOT APPROVED ME FOR A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) AND ON THE APPROVAL LETTER ITS STATING THAT GIFT CARDS CAN BE PURCHASED WHEN I RECEIVED MY PERMANENT CARD ( XXXX ) IN THE MAIL. THE HOME DEPOT IS TELLING ME OVER AND OVER VIA PHONE CONVERSATION THAT MY ACCOUNT CANT BE USED FOR GIFT CARDS. THIS IS A VIOLATION OF MY CONSUMER RIGHTS WITH ARIZONA LAW AND FALSE ADVERTISEMENT ON THE COMPANY BEHALF.

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 2023-01-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Around XX/XX/XXXX, I attempted making an online payment on the website of my loan company. The menu showed a standard amount of XXXX and I wished to round it to XXXX or XXXX. Upon choosing the " other amount '' and typing my payment, and submitting for processing, the website appear to make an error and ADD both my " other amount '' and the standard amount... 
This amounted to about {$3600.00} and my bank account did not have such funds, but only about XXXX. The bank returned the payment without funding the loan company. 
I contacted both the bank and the mortgage company to fix the problem. A stop payent for {$3600.00} was advised by XXXX and the mortgage company advised me to pay the correct amount separately after the returned incorrect amount. 
However, since that time of XX/XX/XXXX, my payments have been either acknowledged with a confirmation number, but not processed correctly and in a timely manner, causing the appearance of more months of delinquency and receiving a 'default notice '. 
Numerous emails and phone calls have been made to the mortgage company and finally the bank agreed to send them a letter documenting the protocol of payments and credits issued including details of the stop payment. 
I would like your help to ask XXXX to remove delinquency reporting after the Trial Modification payments were made as agreed in XXXX, XXXX, XXXX, XXXX .... accurately reflect any and all payments made and received/posted from the bank on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: MARINER FINANCE, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Mariner Finance LLC violated our contract as well as the XXXX XXXX XXXX XXXX by giving my personal information to a 3rd party company in which I had no dealings with nor a contract with, in which I believe that could lead to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Innovate Managed Holdings, LLC
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:
I was recently a victim of identity theft, and have numerous inquiries on my report that I do not recognize. The perpetrators also broke into my XXXX XXXX account, and my XXXX bank account but my accounts were frozen before they were able to withdraw money. These are a list of the inquires and the dates. 
XXXX Report -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: NV
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 U.S.C 1681. 

XXXX XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 602 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 reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more then 7 years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the persons know or have reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance : {$12000.00} ; XXXX  XXXX Balance : {$1500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/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 2023-09-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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: Was not notified of investigation status or results

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-04
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, the following creditors have violated my rights : ( XXXX XXXX XXXX XXXX Acct # XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX ) XXXX XXXX  Acct # XXXX ( XXXX XXXX XXXX XXXX XXXX  Acct # XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX  Acct # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX ( XXXX XXXX XXXX  Acct # XXXX ( XXXX ) XXXX XXXX Acct # XXXX ( XXXX ) XXXX XXXX XXXX Acct # XXXX ( XXXX ) XXXX Acct # XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX ( XXXX ) XXXX XXXX XXXX Acct # XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXXx 15 USC 1681 Section 602 states that I have the right to privacy .

15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B states that a creditor may not treat a payment on any account this is open as a consumer or revolving account as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: IL
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft I been trying for many months to resolve a few errors on my credit profile that is inaccurate. The accounts that have been challenging to resolve with XXXX, Equifax, and XXXX are XXXX, XXXX XXXX, XXXX XXXX and hard inquiries XXXX  ( listed twice ), XXXX XXXX, and XXXX XXXX. I've spoken with XXXX in regard to the hard inquires and attempted to have them removed within 3 consecutive months, but I'm being told they can not remove these hard inquires without a written letter from the companies.

Company response to consumer: Closed with non-monetary relief