BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
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: Public record information inaccurate

Complaint:
On XX/XX/XXXX I sent a dispute to Equifax about a BankRuptcy and Collection account XXXX and asked them to verify the information. Another Letter was sent on XX/XX/XXXX asking them to provide actual proof that these accounts have been verified and are accurate. And have sent yet another letter on XX/XX/XXXX asking again for proof. 

I have done my own research and still disputing with the Third party computer XXXX which they so happen to get this information from and even got a report that contradicts which Equifax is claiming they verified the date filed is not the same and also Reference # is not the same Also included in the dispute was an account with XXXX XXXX showing an account # and Open Date is different from what XXXX has sent to me as well. Which I am also in a dispute with XXXX Date filed on Equifax for Bankruptcy is XX/XX/XXXX and XXXX Shows an open date of XX/XX/XXXX which contradicts where they say they have verified this information from and have yet from both agencies XXXX XXXX and XXXX to give any actual proof of this information as well as Equifax providing actual proof of the investigation they have done in regard to these accounts still being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Paypal Holdings, Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good evening! 
After reviewed my Bank Statements and Called my Bank too. I figured out that the amount you said I owed was already paid by XX/XX/16 Confirmation number is XXXX. 
XXXX. 

For any other additional information, you can reach me out through my email XXXX regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Resurgent Capital Services L.P.
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:
XXXX XXXX XXXX, XXXX sold my debt to LVNV LLC which I do not owe anything. XXXX XXXX  sold my debt and my sensitive information such as my social security number to XXXX XXXX XXXX , XXXX . 
Without my explicit either written/oral permission I never gave my Social Security Number to LVNV FUNDING LLC which it used my sensitive information and report me to XXXX. 
I'm responsible for the amount XXXX to XXXX XXXX. 
XXXX XXXX  invaded my credit report 10 times starting from XX/XX/2018 to XX/XX/2018. I assume once is good enough but not 10 times. 
They placed my account as derogatory account. They sold out my debt to XXXX XXXX XXXX XXXX which they used LVNV LLC to invade my credit report and report me as Derogatory account. 
I'm responsible for such amount but I don't know how much interests they added that's another thing, however, what makes me vulnerable is the fact my personal information was sold to third parties and they can invade my credit report as much as they like. 
There is no records of phone calls either permission gave to LVNV FUNDING LLC. 

LVNV FUNDING LLC XXXX XXXX XXXX XXXX SC XXXX XXXX PHONE NUMBER XXXX XXXX XXXX XXXX XXXX  , XXXX XXXX XXXX XXXX XXXX IL XXXX PHONE NUMBER XXXX XXXX XXXX XXXX I can prove providing to the Federal Agency this information which is accurate. I can provide my credit report through XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
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:
I have a collection showing on my credit report from XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX. This is not my debt, and I requested validation of the debt repeatedly from the credit bureaus, but have received no validation, or even confirmation of an investigation. I also requested validation directly from XXXX by certified mail. They received that letter at XXXX am on XX/XX/XXXX, and I still have not received any sort of response from this company. I also tried speaking XXXX resolve this issue, and they told me that the address where the service was provided was XXXX XXXX XXXX XXXX, XXXX OR XXXX. I have never lived at that address, and in XXXX my address was XXXX XXXX XXXX XXXX XXXX OR XXXX. This is not my debt, and the bureaus should not be showing it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: OR
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: TX
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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I Want to ask you to remove delinquency in XXXX 's account. 
Creditor has agree to remove the delinquency and a copy of their letter is attach. 

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 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Under the 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] these creditors violated my rights XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Child Support XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures. It is the purpose of this title 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 title.

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 2022-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022 I received a letter from the Bank of America that a credit card had been opened in my name. It was for the Bank of America Unlimited Rewards Signature visa card. I never applied for this card and I never gave them consent to pull my XXXX score. They pulled my credit with XXXX without my consent. 
Reference number 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 2023-04-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to delete the following information in my file. The item I need to be deleted is listed in the report. I am a victim of identity theft and did not make the charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the item as soon as possible. 

I sent a letter to these agencies about a month ago and they still have an inaccurate item listed on my credit report. Please see the attachment for the details of the account still listed. PLEASE SEE ATTACHED. 

Your office is in violation of my consumer report given to me by Congress as a federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, it has come to my attention that your office ( XXXX, Experian, and XXXX ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). You also have placed false inaccurate collection accounts on my consumer credit report that I would like to remove.

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 2022-10-21
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
MOHELA has reviewed my Public Student Loan Forgiveness Application. I received a letter from them today, indicating that my employer did not complete their paperwork to certify my employment correctly. I went back through paperwork from all employers, since MOHELA did not specify each one, and everything looks like it was done appropriately. The letter provides a phone number to call and dispute the outcome. I spent an hour trying to get through to anyone, and a message comes up indicating that they can not take any calls at this time. I'm not sure how I'm supposed to dispute the claim when the agency refuses to talk to anyone. 

Some of us have discussed a class-action lawsuit or something similar if MOHELA continues to not assist with disputes. Please feel free to contact me for more information. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX  XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status. 

I have attached supporting documents that verify the inaccuracies mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law. 

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above. 

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an or my 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 2021-04-06
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My check was stolen in the mail. the party that stole the check altered it. I have filed a report with the bank, postal inspector, my local police department and the local police where the check was cashed. I am pursuing legal recourse on this matter. the check was altered for more than it was written for. I have been in contact with my bank several times to return my money. they are dragging their feet on this issue aand i need it resolve as of my money in the bank. They said it could take up to 30 days to receive my money which is absurd. The bank in question is Regions XXXX Ms . I really just want this bank to know that this is complete garbage and so other people know to boycott regions. It's one thing if I hadn't pursued legal action. I could understand a waiting period but since ive given them all the reports and they are still hesitate to give me my money back is not right ...

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 2023-05-23
Company: ALLY FINANCIAL INC.
State: WV
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ally Financial XXXX XXXX XXXX This company has been calling a number belongs to an elderly family member whom is not included on anything regarding my loan on the vehicle. Therefore they do not need to be involved or contacted with ANY of my information. I realize my payments have been behind but I am making them as I am able to. I do not know how they found this member 's phone number but this is absolutely uncalled for and an invasion of my privacy. I want it stopped NOW.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-04-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2018 chase closed all my credit cards and bank accounts, with no given reason. Further calls escalating the matter and talks with my chase private banker did nothing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: JPMORGAN CHASE & CO.
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 cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX sent debt to XXXX XXXX XXXX. Will not provide original bill showing additional fees. All medical debts were/have been paid in full through XXXX plans XXXX No medical debts should be on my credit reports. I've already contacted doctors and hospitals that show all billing paid in full including the XXXX. I do not owe {$62.00} for any services. I demand removal of this account from my Experian collections/credit report. This follows a complaint to the XXXX as well. XXXX and XXXX have validated and removed accordingly.

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 2023-06-07
Company: Experian Information Solutions Inc.
State: CA
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:
This is a complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due on XX/XX/2023 and XX/XX/2023. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof 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