BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: NY
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 disputed accounts as attached with both XXXX And EXPERIAN, these accounts were inaccurate were all removed by XXXX by the same companies as inaccurate.But Experian saying the companies as accurate. 
I have being trying for XXXX yrs now with Experian. 

How can accounts be accurate in XXXX bureau and not in the others bureaus after investigation. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Also they inaccurately listed a residential address on my report which I never live there I asked them to verify that or delete any account associated with that, still listed. 
XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX New York 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 non-monetary relief
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: NJ
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 noticed a couple inquiries on my report

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 2023-11-14
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Reached out to the creditors regarding the validity of the debt, but they did not provide any. I have undertaken the necessary steps to address this matter promptly, reporting the identity theft to relevant authorities and disputing these fraudulent accounts directly with the creditors. However, the lack of cooperation and information from both the creditors and your bureau is unacceptable. Considering the severity of identity theft and my rights under the Fair Credit Reporting Act ( FCRA ), I insist that you take immediate action to remove these dubious accounts from my credit report. I demand prompt confirmation of the removal and a detailed account of the measures taken to prevent such occurrences in the future. The accounts in question are creating unwarranted havoc on my financial standing, and I demand their immediate removal. 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 deletet these fraudulent accounts from my credit file ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
We had a sychrony store card ( Mattress Firm ) since XXXX, never missed a payment, never late on a payment. They reported XX/XX/XXXX late payment even though the due date has not even arrived yet and then they closed my account. Them closing my account dropped my score XXXX points.

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 2022-12-14
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected or removed immediately : 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 2021-05-25
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$750.00} ''. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022, Citibank closed my account. They did not notify me of the account closure ( no email, no letter, no call ). 

I found out about the closure on XX/XX/XXXX when I couldn't log into my online portal. When I called Citibank to help me reset my password, I was met with a response that Citibank would be closing my account- they did not want to provide banking services for me anymore - and service members were not allowed to talk to me anymore followed by a prompt hang-up of the phone. After this, I called the Citibank branch in my hometown, and the banker there kept me on the line and called customer service on my behalf. He found out that the account was closed for " Fraud Absue '' despite there being no fraudulent activity. 

In the few days after XX/XX/XXXX, ( XX/XX/XXXX - XX/XX/XXXX ) I attempted calling customer service 6 times to get an answer. I eventually got to a supervisor who told me that the money would be sent to me within 60 days of the account closure and I would receive a letter detailing why the account was closed. 

I waited 61 days until XX/XX/XXXX to receive my money/letter. These never arrived so II began calling Citibank customer service again. Over the course of 3 weeks I had the issue escalated at least 5 times and was told to wait 2-5 days before calling back. I called every 2 days from XX/XX/XXXX - XX/XX/XXXX to see if there was an update and every single response I have received has been the same. The service reps or account supervisors all tell me that they have been trying to get in touch with the " back office '' but they have not been receiving a response. 

As far as I understand, the only thing the customer service/supervisors can do while sitting in the XXXX department is to send an email to the " back office '' asking them to send me a check. I have gotten confirmation from service reps that there has been no response from the " back office '' and that the issue should have been resolved by now. 

To this day, XX/XX/XXXX ( 89 days since closure ) I have still not received the funds from my wrongful account closure and have had no word that the back office has made any progress in issuing me a check. 

Please 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 monetary relief
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the XXXX Account listed as items 1, 2, 3, 4, & 5, has violated my rights.

Pursuant to 15 U.S.C. 1681 ( a ) ( 4 ) I have a right to privacy.

Pursuant to 15 U.S.C. 1681 ( b ) ( a ) ( 2 ) a consumer reporting agency can not furnish an account without my written instructions. 

1. ) XXXX  XXXX XXXX  {$920.00} Closed XXXX potentially negative months Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Payment Info Status Charge-off 2. XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$460.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer XXXX. XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX {$8400.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection XXXX. ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$240.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Debt Buyer XXXX. ) XXXX XXXX XXXX Original creditor : XXXX XXXX {$1300.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection

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 2023-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
On XX/XX/2023, through a credit report, I found out that my down payment of approximately {$14000.00} was misapplied to my loan. It was supposed to be paid forward as 39 months of payments, but was applied incorrectly. Bank of America, without any communication whatsoever charged off my account and marked 6 months of payments as being " late, '' when it was their error to begin with. This caused my credit score to drop around XXXX points, which is detrimental as I am trying to apply for a home rental. I am becoming extremely livid with the sluggish pace of the " resolution, '' which has take over a month to even UPDATE the charge-off reversal status. It's been in limbo for OVER A MONTH without official reversal even though it's supposedly been " approved. '' Every representative I speak to acknowledges that it's Bank of America 's error, but the issue at hand is not being taken nearly as seriously as it should be, nor is action being taken quickly enough. I'm teetering on the line of whether to seek legal recourse for the issue because of how greatly they've royally screwed up my excellent credit and put me at risk of having my car potentially REPOSSESSED for incorrectly charging-off my auto loan and not even informing me that there was an issue with how the original representative supposedly " fixed '' my initial issue. Oh yeah, that's right they screwed it up TWICE, and the second time didn't notify 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 2023-02-10
Company: Experian Information Solutions Inc.
State: SC
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:
I have collections on my consumer report that are against the law. As determined by Congress, the credit reporting agencies are all violating the accuracy and fairness of credit reporting of my information. By not adhering to their grave responsibilities with fairness, impartiality, and a respect to my privacy, 15 U.S. Code 1681 ( a ) ( 4 ).

Due the willful and knowingly violation of the law, my rights as been violated getting credit under 12 CFR Part 1002 of the Equal Opportunity Act ( Regulation B ) that protects me from discrimination in getting open and closed end credit, this has done harm to me and my Family. 15 U.S. Code 1681 c ( a ) ( 4 ) explicitly said no consumer reporting agency may make any consumer report contained Accounts placed for collection.

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 2018-05-02
Company: LEXISNEXIS
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: Credit inquiries on your report that you don't recognize

Complaint:
There are several issues I have with Lexis Nexis : Problem with a credit reporting company 's investigation into an existing problem and Improper use of your report ( shared without consent, credit inquiries from unknown sources. 

A Freeze and a Suppression was placed with Lexis Nexis last year. Lexis Nexis continues to sell/share my information with the XXXX and XXXX. Lexis Nexis has also released my information to creditors, well after the freeze and suppression. Lexis Nexis continue to state that the US Federal Court has given them Bankruptcy information. The Court has sent me a letter stating it doesn't share information with credit reporting agencies, due to privacy laws. Per my Lexis Nexis report, Lexis Nexis states that it contacted the bankruptcy court directly and was told that I had a bankruptcy. I requested information from Lexis Nexis to  disclose to me who at court told them I had a bankruptcy ; but Lexis Nexis has ignored my requests and have failed to properly investigate. LN has released information to several creditors, such as XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX for insurance. I have sent subsequent investigation letters, and I feel that I have been ignored. My LN reports shows that I have a business. I HAVE NEVER OWNED OR CO-OWNED ANY BUSINESS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: CO
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 recently pulled my credit report to find an account that is not mine. I sent a letter to XXXX to validate and send me verification that the alleged account was indeed linked to me. I have received no response since XX/XX/2022. I have called XXXX customer service twice to talk to a human, and both times no one could locate an account that was in collections linked to me. 

I've sent the credit reporting agencies letters to verify the validity of the account and I have received no response and no investigation has even been done.

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 2019-01-31
Company: Patriot Finance, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I attempted to get a personal loan from this company. I was appalled when they asked me for sensitive documents ( i.e. with Pii ) via *** email ***. Email is pretty much the worst way of transferring data, as it is not secure. Please look into the practices of this Patriot Finance company regarding how they handle their potential client 's personal information. In fact, I wonder if they are even legit ... because any legit company these days would have a secure portal for providing sensitive documents. ( they did provide a fax option, but who really does that anymore? ) The following is a copy/paste of their email to me ...

XXXX Thank you for your recent application.

In order to begin processing your loan, our underwriting team will need you to please provide the following documents : 1 ) Copy of your state issued ID ( Drivers license, etc. ) 2 ) Copy of your most recent pay stub.

3 ) Copy of your most recent bank statement. 

Please either respond to this email with the documents or, you can send via fax at XXXX. 

If you have any questions about your application, please call us at XXXX. We look forward to working with you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company have called and told family members about my debt that I owe and this is a violation with my privacy. They have called my job and did the same thing and this is no one else business but mine. They are in violation for doing this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: NJ
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 1681. 

Account name : XXXX XXXX XXXX, Account name 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief