BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-17
Company: BARCLAYS BANK DELAWARE
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 XXXX XXXX, XX/XX/XXXX, BARCLAYS BANK DELAWARE add a hard inquiry on my credit report per XX/XX/XXXX and XX/XX/XXXX 
On XXXX XXXX, XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/XX/XX/XXXX XX/XX/XXXXXXXX add a hard inquiry on my credit report per XX/XX/XXXX, XX/XX/XXXX and 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 2023-02-28
Company: EQUIFAX, 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:
contacted XXXX XXXX XXXX XXXX to report that my apartment had been robbed in XXXX XXXX XXXXnd Id filed a police report. I also explained that I had additional hardships due to the COVID pandemic and a recent car accident, and that prior to the robbery which occurred in XX/XX/XXXX, I had made timely payments and my account had been in good standing for over 2 years. I was told by a XXXX XXXX customer service representative that I qualified for emergency assistance and interest accrual could be paused/ no payments would be due for 6 months. Assuming theyd keep their word, I used the money I was planning on using to pay off my citi card to pay off all my other debts and relace my cell phone/ laptop which had been stolen during the robbery. My decision to use my savings to pay off debts and replace my stolen belongings was 100 % a result of my assumption that XXXX would honor their promise and that I had 6 months to save up more and pay off my XXXX XXXX card. However, a few months later when I went to check my account, I noticed that XXXX XXXX had closed my card due to non-payment. After calling XXXX XXXX, I was informed by customer service staff that there was no record of my call on XX/XX/XXXX there was not thing they could do to reverse my late fees and delinquent report on the account even though I had made previous arrangements with their customer service staff. I requested to speak with a supervisor and who told me theyd be able to assist, and after 2+ hours on hold, they hung up on me and never called me back! After that, I was no longer able to access my XXXX account online to make online payments, and calling to make payments sometimes took HOURS. As a result, I got even further behind and my interest kept accruing and now, XXXX years later I owe more than I did back in XXXX Prior to XX/XX/XXXX, I had an impeccable credit history and record of timely payments, but after XXXX closed my card, my credit score dropped significantly and I havent been able to get out of hole they put me in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX is falsely representing my account as a charge off and previously pass due though the account was in a hold period and all debts on the account were paid in full in 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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sc, XXXX XXXX You are in Direct Violation of The Fair Credit ReportingAct and have violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Therefore XXXX XXXX account # XXXX Should not be reporting any late payments on my credit profile furthermore, I did not give you written consent. 

Remove these late payments and update them to ( PAANL ) paid as agreed never late immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2021-11-30
Company: Galaxy Capital Acquisitions, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Galaxy International Purchasing has violated pursuant to section XXXX ( a ) ( XXXX ) of the FCRA requirements failure to notify the credit reporting agency that this account XXXX is being disputed. Failure to put the notice of dispute in the comments of credit report is a violation of the FCRA requirements by Galaxy International Purchasing. 

I have attached a copy of my credit report that doesnt show the required notice of dispute as required in comments on my report after I have disputed this account multiple times times over the past serval months. 

I have also attached a copy of the XXXX ( a ) ( XXXX ) section of the FCRA requirements for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: JPMORGAN CHASE & CO.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Spoke to the with payment arrangement XX/XX/XXXX at XXXX XXXX. The calls have been nonstop since that day using various numbers from different states. Today I had 4 by XXXX. I told them that payment arrangement was already made and they had no right to call me nonstop. I have them logged in my cell but it's alot of calls and can't write them all on here due to disability. I probably have 20+ calls from them since the XXXX. I tod them I will sue them for harrassment. I'm fed up. The bill is around {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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:
NONE OF THESE INQUIRIES ARE MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE OF THESE ACCOUNTS ARE MINE XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date Opened 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 non-monetary relief
Consumer complaint received 2021-02-16
Company: The Bureaus, 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: Account information incorrect

Complaint:
This collection company, The Bureaus Inc, is reporting incorrect information on my credit reports from an account with XXXX XXXX. The balance is incorrect. I have disputed the information with the credit bureaus. The company has verified the information as accurate, but failed to provide documents proving the balance. I also sent a letter to the company requesting a full accounting record of the account that proves the balance. The company failed to send me this information. The balance reported is not correct. The company is reporting the balance higher than the high credit amount, which is never correct. Again, I have disputed this information several times and it has not been corrected or deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Fay Servicing, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Faye servicing was my mortgage servicer. I did a refinance with another company and they recorded my lien release in the wrong jurisdiction ( XXXX instead of City of XXXX VA ) my house is under contract with a closing date of XX/XX/22 ( which i have now missed ) and the purchasers attorney will not close until the lien release is recorded in the proper jurisdiction. I and my settlement company have been run in circles trying to get this resolved with no cohesive response. the contact persons involved are not helpful or have a sense of urgency. my main contact there is XXXX XXXX that has gone dark in his responsesXXXX, email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted all 3 bureaus after discovering some accounts that were not correct. I asked them to do an investigation and verify the information. I sent in a letter to Experian, XXXX, and XXXX containing the accounts along with my verification of my identity a bill my id and my ss number card. The accounts came back verified, which is incorrect I never had any dealings with XXXX XXXX and the XXXX account was paid three years early in full, this is really affecting my credit score and it is inaccurate 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
Consumer complaint received 2021-03-15
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: Old information reappears or never goes away

Complaint:
I am writing in about the credit bureau Experian. I have written in to the Agency on multiple occasions to have OLD personal information ( previous addresses and names that does not apply to me that is no longer associated or does not apply to me to be removed from my report. I have already submitted the current info that applies to me that need to appear on my credit file, but despite multiple request to correct it they continue to send update reports with the same information. As I have researched previously that only one name one address one employers should be listed on a report unless otherwise requested by the consumer. Please if you would investigate this matter and please have Experian to correct this matter as it is seriously and negatively impacting my credit profile and causing me to not be able get my credit corrected and cleared of negative items, therefore impacting my chances of obtaining the needed opportunity to obtain credit from vendors/ credit lenders and causing thousands of dollars in interest each year. Please help Your Regards 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
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Experian requested that I send documents for identity theft, I did send them through their website, their upload system doesn't seem to work well. I am sending them again to address the identity theft issue on my credit file reported by XXXX as they requested via email today..

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am confused why I do not receive any response from the letters I am sending to the bureaus. I recently discovered that they are shredding letters that they think came from credit repair services. This is unlawful, they are violating my consumer 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 2022-10-26
Company: Credit Karma, LLC
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I signed up through Credit Karma with XXXX  to help improve my credit score. I deposited money into my XXXX account until I had deposited {$500.00} and they would refund that money to me. After I started to us me XXXX, I stopped using credit karma as my main bank due to issues with their product. I removed all links to my credit karma account and swapped them to my checking account with XXXX and XXXX Bank. I wanted the {$500.00} returned to me quickly so I made a deposit of {$140.00} on XX/XX/XXXX to bring my account to the {$500.00} threshold and have my {$500.00} returned to me. XXXX did not do so. On XX/XX/XXXX I made a {$70.00} deposit. On XX/XX/XXXX I was told the money would be deposited to my Credit Karma Spend account. That account was closed XX/XX/XXXX because I was unable to deposit {$3.00} from my XXXX account to keep the account open. I reached out to Credit Karma to XXXX ) see if they would RE open my spend account and XXXX ) when the funded would be deposited into my account. I was told they could not reopen my account. I also was told that my deposit issue would be escalated to a new team. This was on Saturday XX/XX/XXXX. I have not received a response from Credit Karma yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: VA
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, accounts : XXXX XXXX  XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the right of privacy.

15 U.S.C. 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2021-06-14
Company: WELLS FARGO & COMPANY
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft WF CRD SVC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

5. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/2019 This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine.

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 2019-07-04
Company: SYNCHRONY FINANCIAL
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 first noticed a credit card on my credit report when I started to get negative remarks added to my credit report by the bank this credit card is with. The bank name is Synchrony XXXX. This account has made my credit drop over 100 points. When I call the only number I have for Synchrony XXXX   which is provided on my credit report it will NOT let me talk to anyone unless I have a credit card number or account number, how am I supposed to have a account number when I did not open this account. I finally hired a credit report dispute law firm. This firm sent a dispute letter to this company. When I noticed on my credit report that this Synchrony XXXX account is noted being disputed this bank started stacking the negative remarks on my credit every other day. And still not word from Synchrony XXXX. On my credit report there are now remarks saying this creditor is following a credit reporting guide lines. How? I have never applied or have had a account with them. Obviously this account is fraudulent or put on my account in error but they dont seem to care. Instead they see I am disputing it they start hitting my credit report with as much negative remarks as they can without even reaching out to me. I've found it impossible to reach them without any account info.

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 2023-10-05
Company: ECMC GROUP, INC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
XXXX Email was received from ECMC, who has already been placed under severe restrictions regarding their previous illegal harassment of lendees such as myself They state my acct is 60 days past due with XXXX, even though XXXX has shut down and handed over all loans to XXXX Whats more, your site 's security appears compromised, my password did not work, although when I tried to use it for a new password when starting the password change process, it stated the " old password '' could not be used. 

It stated the password had already been changed, TODAY.

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