BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: FL
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 mailed certified letters to XXXX and Experian on XX/XX/XXXX, requesting for them to send me documentation that prove that these accounts belong to me. I also spoke via telephone with representatives of credit bureaus in XXXX, XXXX, XXXX, and XXXX of XXXX in attempts to get these accounts removed because they are not mine. I have an active account with XXXX XXXX Bank, who reported a XX/XX/XXXX day late payment ; however, I was never late. Also. XXXX XXXX ( formerly XXXX ) is reporting late payments that I was never late on. 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 # XXXX ; Account name : XXXX XXXX XXXX # XXXX ; Account Name : XXXX XXXX XXXX XXXX # XXXX ; Account Name : XXXX XXXX XXXX XXXX # XXXX ; Account Name : XXXX XXXX XXXX # XXXX ; Account Name : XXXX XXXX Bank # XXXX ; Account Name : XXXX XXXX  ( formerly XXXX ) # Unknown, 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 convictio
ns 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 explanation
Consumer complaint received 2021-03-03
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company is garnishing my wages for a debt that I believed to have been discharged. I received a 1099 form and claimed it on my taxes. I have reached out to the company via telephone and was told that I needed to email them, I emailed them and have not received a response. In my email, I questioned the validity of the debt since I had previously received a 1099. I informed them that if I legitimately owed the debt, I would pay but that my husband is out of work currently, so the amount that they are withdrawing, close to $ XXXXmonth is TOO MUCH! I requested that they send me information regarding the debt, an itemized breakdown of what I owe, how much they claim that I owe entirely and a complete breakdown of the debt and the amount of time that they are expecting me to pay. I have not received an email back, nor a phone call, nor anything via the mail. I am asking CFPB to assist before seeking a lawyer and having to pay addl fees. Any help would be greatly appreciated. The HHL file # is 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 2023-06-14
Company: EQUIFAX, INC.
State: NJ
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, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
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: Account information incorrect

Complaint:
XXXX XXXX should not be reporting to Experian and XXXX  that I was ( 30 ) days late in XXXX, XXXX on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) On XX/XX/2020 I sent a letter to the XXXX XXXX Dispute Center ( please see attached for reference ) and requested they withdraw the negative credit information reporting. I outlined in detail the facts surrounding our lease return of the vehicle. The return of the vehicle had been accepted with no issues. During the entire term of my lease on the vehicle there was never any missed payments. The lates that XXXX is reporting is for a missing key payment, which I specifically addressed in my letter to the XXXX XXXX Dispute Center. I was not aware that XXXX had reported this account late until I obtained my most recent copy of my credit report. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have tried on multiple occasions to reach a representative at XXXX as well as the bureaus to remove these lates however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and this false reporting is causing a hardship on my family to obtain a home mortgage loan. I graciously request, again, that these lates reporting be 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 explanation
Consumer complaint received 2022-08-11
Company: Colony Brands, Inc.
State: WI
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/2022 Montgomery Ward told me they WILL NOT remove my mother 's account from my credit report even after they identified in their letter that the account is not mine. How is this fair?? THEY REFUSED TO VALIDATE THE ACCOUNT AND CONDUCT A PROPER INVESTIGATION. THEY REFUSED TO SEND ME DOCUMENTS SUCH AS APPLICATION, CONTRACTS AND BILLS. IF THEY WOULD HAVE WENT THROUGHT THE VALIDATION OF THE ACCOUNT LIKE THE LAW TOLD THEM TO I WOULDN'T HAVE WASTED AN ENTIRE YEAR FIGHTING TO GET THEM TO REMOVE THE ACCOUNTS THAT BELONG TO MY MOM FROM MY CREDIT REPORT. THey can't base that an account is my responsibility when it clearly has someone else name and birthday because it was shipped to the same address. CLEARLY IN MY STATEMENT I SHOWED MY MOTHER HAS A SIMILAR NAME AND MONTGOMERY WARD ALSO SHOWED OUR NAME IS DIFFERENT ON THE ACCOUNT. This is really against the fair credit reporting act. How can they get away with putting an account that belongs to my mom on my credit report? What proof is there that I am responsible for my mother 's bills??? My name is XXXX, My mom is XXXX and they know this. We don't have the same birthday or the same social security number so why is it so hard for this to be corrected??? I sent my ID, Social Security Card and utility bill. Montgomery Ward CLEARLY SEE the difference with our name birthday and social security number!!!! XXXX also SEE the difference. I want this account deleted from my credit report as I have proven more than 10 times that it is not mine and it belongs to my mother. I did not cosign, and I am not listed on the credit application or any contracts!!!! 
These accounts do NOT BELONG TO ME and my driver 's license is attached again to show my birthday and name!!!!! 
SEVENTH AVENUE XXXX MONTGOMERY WARD XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Experian Information Solutions Inc.
State: AR
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:
On XX/XX/ I was in a car accident that almost killed me and totaled my vehicle. Since the other driver was put at fault in the accident that driver is supposed to assume responsibility and liability for my damaged vehicle. Since that person was uninsured I communicated to XXXX XXXX XXXX what happened and they had no sympathy for my incident and still report the vehicle on my credit as if I still have it. This is unacceptable and is keeping me from getting another vehicle. My consumer rights are being violated. My balance is being listed as {$19000.00} as of XXXX XXXX  on my credit file and this item is negatively impacting my credit 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 explanation
Consumer complaint received 2021-03-03
Company: EQUIFAX, INC.
State: FL
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 have provided my ID social and a bill confirming myself. Equifax sent a notice stating they needed this information. I have uploaded the information and mailed it to Equifax. I am attaching the information again because I have uploaded to Equifax and to the CFPB and mailed it to Equifax. Why is the information still showing?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
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: Personal information incorrect

Complaint:
on XX/XX/2021 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX  XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX these addresses are undeliverable by the US Postal Service AND SHOULD BE DELETED/REMOVED IMMEDIATLEY to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX of XXXX, I received a letter in the mail from Portfolio Recovery Associates LLC Account Number- XXXX they have attempted to state I owe them a debt incorrectly. As of XX/XX/XXXX XXXX I am contacting them to inform them of my consumer rights under federal code 15 USC 1692k and 1692CA. This company is more interested in verifying my information instead of understanding my federal rights. I have never given consent to this company to contact me over a debt and there is not a good time to discuss this debt. I want this company to cease and desist from contacting me and not report to any credit reporting agencies, and I want to know how they got additional information 15 USC 1692B. I am also requesting a visual contract with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: EQUIFAX, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
in reference number complaint with your agency COMPLAINT # XXXX XXXX XXXX and trying to still collect monies NOT owed. XXXX XXXX has already been paid in full on XXXX. XXXX XXXX keeps trying to extort monies from me and will not contact Equifax to inform credit bureau that debt has been paid since XX/XX/XXXX, XXXX continues to keep trying to trash my credit report by refusing to list the debt paid in full. Equifax is no better. they are conspiring with XXXXXXXX XXXXy to keep trashing my credit report right along with these XXXX XXXX fake collection agency. this matter has been reported to federal trade agency as extortion and fraud. Please demand this XXXXXXXX XXXX  update its info o n my credit report asap. Requesting info on XXXX XXXX  collections to start civil litigation against this collection agency asap. As far as Equifax I have contact higher credit authorities because your agency did not one XXXX thing to enforce your laws against unfair credit laws act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On the evening of Wednesday XX/XX/XXXX, my personal PC notified me that there was an infection. My computer was slow sluggish with multiple processes active that I had no idea about. The infection allowed remote control of my pc. I did my very best to use whatever software I had to help clean the infection over the next few days days. 

On Thursday XX/XX/XXXX, my personal email address that I use for multiple account was flooded with thousands of emails per hour. This was a red flag. 

Also on XX/XX/XXXX, my XXXX account was compromised and there were 2 orders placed that were unauthorized as claimed by XXXX. 1 was a a gift card for {$50.00} to an unknown person and email address. The other was an item purchase ( {$34.00} ) that was sent to myself as a cover up. XXXX has addressed the item for {$39.00} claiming it was unauthorized but not the purchase of the gift card. This all was discovered that night. 

Also on XX/XX/XXXX, my Chase account was accessed and sent a {$500.00} quickpay transaction and tried to spoof it according to my 2 other quickpay historical transactions. I send money on rare occasions to my fiance. The hacker used the same name but instead of sending it to her email ( linked to her chase account ) like I typically do, it was sent to a random phone number. 
I noticed the transaction with an alaert on Sunday XX/XX/2019. Chase took immediate action, refunded my money and investigated. 

I had a fresh install of XXXX on XX/XX/XXXX to remove any last traces of an infection. 

On today XX/XX/19 I discovered that Chase did a reversal of the money and withdrew that {$500.00} back out of my account. At no time did a Chase representative call me to ask me my story during their investigation. I went to a branch to see what they could do. They claimed that the transaction came from my same IP address. This would make sense seeing as my computer had been compromised and remotely accessed. 

What Chase is not considering is that the hacker had access to my computer and made transaction while I was not at it. I will ask them for times associated with the transaction and will use my XXXX location history to prove I was not indeed at my computer at those times. 

I am in the middle of submitting a reclaim with chase and providing documentation to support it. 

I have since increased my security, changed all my passwords, had chase issue a debit card and put XXXX security on all my accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-18
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Unauthorized balance transfer on XX/XX/XXXX of {$9300.00} plus fees of {$460.00} for the unauthorized transfer. XXXX plus months in attempts to resolve. Now there are late fees and interest of another approx {$500.00}. as of XX/XX/XXXX. Also, some real charges of {$5000.00} by me that I have offered to pay should the resolve the matter. XXXX plus hours on the phone with both their fraud department and the dispute department have brought the promise that a XXXX will call me back. As of XX/XX/XXXX ( today ) no call to resolve matter.wr are past 100 days and I see XXXX 's as a predator. Thank you. 
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 2021-03-18
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
i was to recieve my stimulus payment to my account via IRS, and was told that my money can not be deposited in my account because i am married and have XXXX dependants. this is how the IRS sent the ACH in. it has been mishandled and is now the banks problem to fix this issue on a timely manner. i had no issues in XXXX when a married couples stimulus payment of XXXXx2 was deposited. i would like this matter fixed in a timely manner and at no time was BBVA BANK encouraged to fix the problem in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Respected Sir/Madam, I am very well customer of Bank of America since XXXX. I have student checking account with them. On XX/XX/XXXX ( Friday ), i noticed that somebody used my debit card details and made transaction of {$2500.00} and {$500.00}. As soon as i got this details, i called customer representative and told them this transaction is not made by me. At that time, she told me that transaction in under process state, as soon as they deduct they will file claim for it. i was ok with that. Than i suddenly noticed that, on XX/XX/XXXX XXXX Saturday ), There were more three transaction made of {$100.00} with the same details. I called customer representative and told them this transaction is not also made by me. So, he file claim for that as well ( total claim money {$3300.00} ). And i requested for issue new debit card because some was using my debit card details. After one week, i got letter from bank of america indicating that my claim is denied and they think this transactions are made by me. But i did not make a single transaction of that. I am very worried about my money because i have to pay tuition fees as well. please kindly help me in this situation. 

Thank you

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 2023-02-01
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: Information belongs to someone else

Complaint:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 following items immediately. 

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 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

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