BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-21
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Have received several phone calls, emails, and USPS letters requesting payment on a Credit Card I don't own and have never heard of. When I requested explanation was never told what the charge was for. The charge came from a collection agency, XXXX XXXX XXXX, who claim they are collecting for a credit card from XXXX XXXX XXXX for a charge of {$410.00} for something called XXXX. Have never heard of any of these entities. Have never had a credit card from XXXX and so never received any bill from them until I got the call from XXXX. Totally baffled about all of this. Only thing I can think of is that someone opened an account in my name. But with my address why didn't I get the notices in the first place? I checked my credit report and this is the only bad mark on my credit. Am understandably very upset about this.I haven't saved all the correspondence but will send the earlier response to a former dunning notice. Sorry don't know how to scan the bill. I did report to the local police who told me to contact you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The balance due for this account is not the correct amount that is reporting on my credit report. The last statement for this card was {$650.00}, which has already been settled and discharged with the IRS. I'd like to ask for the original creditor to verify with the last statement for this account under UCC Article 9 that shows {$700.00} as the balance due on this account with the proper remittance so that I can properly settle this account or please delete this account immediately as it is inaccurately reporting under the FCRA.

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 2023-11-22
Company: ResidentCollect, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my 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 2023-11-22
Company: P&B Capital Group, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: SC
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
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: Information belongs to someone else

Complaint:
To whom this may concern My name is XXXX XXXX, and I am wiring this statement on my own behalf. I recently discovered that I am a victim of identity theft. My reports reflect inaccurate things. My identity was used to obtain XXXX services and goods. I request that the listed items in this report and statement be removed immediately. Accounts opened without consent : XXXXXXXX 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 XXXXXXXX

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 2017-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I received a state tax lien in 2011 and it was immediately paid. NY state removed the account from my experian and equifax credit reports last year, but left it on trans union. 

This is impacting my ability to get a car loan and refinance my debts. It is also impacting my ability to change jobs.

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 2023-02-10
Company: Experian Information Solutions Inc.
State: OH
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 contacted XXXX XXXX XX/XX/XXXX stating that a card was opened fraudulently in New Jersey but I live in Ohio. I gave them my police report. It was under investigation until XX/XX/XXXX to which they informed me that they are still holding me liable for this card as well as the charge of {$640.00}. I am appalled that the credit card company does not have the resources to review the case further and realize that it is geographically impossible for me to open a card in New Jersey if I live in Ohio.

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 2016-05-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently reviewed my Equifax credit report and viewed a XXXX XXXX account that is over XXXX XXXX XXXX. I respectfully request that the XXXX XXXX account be permanently removed from my credit report. Furthermore, I also observed the Hard Inquiries that I do n't recall authorizing. XXXX XXXX/XXXX/2016, Florida XXXX XXXX & XXXX XXXX XXXX XXXX/XXXX/2016. I respectfully request that these hard inquiries be removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, 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:
I XXXX XXXX currently have XXXX fraudulent accounts appearing on my credit report and XXXX inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have contacted Equifax and disputed the XXXX card entry on my credit report several times. Equifax states that XXXX Card refuses to release the entry for 10 years. The final payment made on this XXXX Card balance was in XXXX, 2008 and delinquency began in XXXX, 2008. ( see attached documentation ). I am trying to secure a home loan at a favorable interest rate and this erroneous entry is preventing that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: EQUIFAX, 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:
I XXXX XXXX Currently have Fraudulent Inquiries in Accounts appearing on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My credit report are inaccurate with account that are over 7 years oldthis impacts me and cause unfair treatment when I haveapplied for credit, all old information over 7 years must bedeleted especially when the when loan are current andoff

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Here is the recurring problem the credit bureau has been called XXXX XXXX about there handling of my credit report. This company transunion. Has for years taken my XXXX XXXX down for no credit being used. Never goes up when cards are paid off or accounts. They just lower score at least XXXX to XXXX points and never raises for months just reduced score

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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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: Investigation took more than 30 days

Complaint:
If you check the documents you will see all the letters I have sent, please read everything. I need you to help me

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 2023-04-08
Company: EQUIFAX, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: NJ
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. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : 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 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 non-monetary relief
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XXXX. I disputed XXXX Account. Transunion is reporting inaccurate, and incomplete information. The account was opened on XX/XX/XXXX. Transunion didn't report my payment history until XX/XX/XXXX. I have received no response from Transunion regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights. 

On XXXX I disputed the XXXX account with XXXX for reporting incomplete, and inaccurate information regarding this account. The account was opened on XX/XX/XXXX, and XXXX didn't report my payment history until XXXX have received no response from XXXX regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights. 

On XXXX I disputed the XXXX account with XXXX for reporting incomplete, and inaccurate information on my credit report. The account was opened on XX/XX/XXXX, and XXXX has my payment history starting XX/XX/XXXX. I have received no response from XXXX regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my 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 non-monetary relief
Consumer complaint received 2018-08-21
Company: BARCLAYS BANK DELAWARE
State: NY
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:
On Friday XX/XX/2018 I noticed a {$160.00} charge from XXXX that I did not make, authorize, or have anything to do with. On Friday XX/XX/XXXX I called Barclays and reported the fraudulent charge and my credit card was cancelled and I was sent a new credit card. This was a pleasant phone call. On Tuesday XX/XX/2018 at XXXX XXXX I received a phone call on a recorded line from a fraud investigator from Barclays. I believe that I offended him when I asked him some questions to verify who he was because he started asking personal questions. The person was rude and accusatory. Though I repeatedly on the recorded line told him that I had nothing to do with the fraudulent charge he said he could not accept the charge as fraud. The conversation became unpleasant and I ended it. I called back a few minutes later and spoke with another fraud representative and that person reviewed the recorded conversation and came back on the line and apologized and said that she did believe the charge was fraud and stated that my account would be noted. On Monday XX/XX/XXXX I received a letter from Barclays dated XX/XX/2018 stating that the {$160.00} charge by XXXX was valid. I called Barclays again and unfortunately I was connected with another rude and accusatory fraud investigator. He many times did not let me finish my sentence. He eventually read the notes and listed to both conversations from my previous calls and removed the fraudulent charge. In addition to being rude and accusatory he was condescending. The fraud " investigators '' are poorly trained and not very good at their job if they though that this {$160.00} charge from a company based on another continent was a valid charge. I had no prior history of disputing charges. If there is a profile for consumers fraudulently claiming charges are valid I assure you that I do not fit this profile. This was a terrible experience and I am hopeful that others share their stories.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-09
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed XXXX chapter bankruptcies on my credit report thru Equifax starting XX/XX/XXXX I have done the inline disputes as well as the disputes via USPS. Each time Equifax continues to verify these and other things on my report without proof. I recieved notifications from equifax stating to call or mail The BK court here in Massachusetts on XXXX XXXX then 2 weeks later at anothr address at XXXX in XXXX, ma. I called the BK court and asked the clerk about Validation and Verification with the Credit bureaus. The clerk told me that they do not report, inform, validate or verify anything to credit bureaus or any other outside enitities. If that is the case then how are they verfifying this information. They also violated the FCRA by not adding the term consumer disputes on my credit report, i have proof of these things. Equifax also continues to validate and verifyother account and inquiries on my credit report that are lowering my credit rating, things that should n't be there as well. I have sent many letters to them, and have called, theyre very unprofessional and semi corrupt in the way they do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : BK OF XXXX XXXX # XXXX XXXX XXXX XXXX ACC # XXXX XXXX IN ACC # XXXX ACC # XXXXXXXX XXXX ACC XXXX XXXX XXXX XXXX XXXX XXXXI 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: OH
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  # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: Seterus, Inc.
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage loan with XXXX XXXX in which I received a loan modification. The mortgage servicer is Seterus. In XXXX I filed for bankruptcy in court with my lawyer. 
My lawyer asked for a reaffirmation for the mortgage because I did not file the residence as part of the bankruptcy. I want to continue to live in my condo and pay my payments. 
The lawyer has not been able to get them to send the reaffirmation papers so the we filed a continuance on the Bankruptcy until those papers could be presented to the Court. 
We can not give them a date to complete the hearing without the reaffirmation papers. The lawyer has called several times with no response. 
I have also filed a complaint with XXXX XXXX on the mortgage servicer ( Seterus ) handling of this issue. The lawyer said he never saw any papers take that long or any company not respond they way they have. 
I am hoping to put this behind me soon. Can you help by getting Seterus to send the lawyer the papers. They have all the information to get the papers in the mail. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX, GA ( XXXX ) XXXX

Company response to consumer: Closed with explanation