BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: MN
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, Account name : 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 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 2023-09-25
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 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 non-monetary relief
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I disputed a bankruptcy on my consumer report, and the consumer reporting agency claimed it was through a third-party vendor XXXX. That information was false. My XXXX XXXX consumer report has a freeze, and the information on the report is also in dispute. I have a recorded conversation with an agent from XXXX XXXX confirming they did not verify the alleged bankruptcy with any consumer reporting agency because my account has a freeze, and the alleged bankruptcy is in dispute. I disputed the alleged bankruptcy again and they claim the alleged bankruptcy was verified through LCI. This is inaccurate information.

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 2023-11-09
Company: FISERV INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Today, XXXX I attempted.to write a check to XXXX XXXX in XXXX, Az. I had cancelled my debit card and a new one is in the mail. I have had the same bank for years and never bounce payments. 
The transaction was declined. I was so humiliated. I thought their has to be a mistake. I had my ID. I called the number that was handed to me. After putting in all these numbers it said fraud indicators. I spike to a rep and verified everything. It did no good. Why do rhey ask for personal information and then tell you that you have no credit with THEM? I didnt even know who they were until this happened. My check was good! They should never ask for personal information when they know it won't help the situation.

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 2023-02-24
Company: EQUIFAX, INC.
State: TN
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 asked the credit bureaus to do a VERIFICATION of everything on my credit report and they did and also stated that everything was ACCURATE. I further did a research myself and found INACCURACIES on my credit report even after they said they did a FULL RESEARCH. In accordance with the FAIR CREDIT REPORTING ACT, XXXX  Account # XXXX, # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, all have violated my consumer rights. 15 U.S.C 1681 602 A 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. See attached documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: U.S. BANCORP
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a call from a XXXX XXXX stating she was from a company based out of XXXX called XXXX XXXX. She gave me an account number of XXXX stating it was a checking account opened with u.s. bank on XX/XX/2007. She threatened to take me to court and have me arrested if I didn't pay thw amount owed on an overdraft in the amount of {$4300.00} XXXX called from phone number XXXX extension XXXX. I called U.S. Bank fraud department and they stated that I did not have any account with them based on my social security number which XXXX provided but I did not verify whether she was correct or not. They provided me with actual addresses of mine and places that I have worked.

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 2020-12-31
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.

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 2020-05-13
Company: Pacific Retrieval LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I have purchased a vehicle for the total of {$500.00} my car stop running in front of a XX/XX/XXXX in XXXX XXXX. This happen about five months ago. About a week after my car was towed i received a letter from the tow company names XXXX XXXX and XXXX. They stated mt bill and recommended me to come pick up the vehicle. I went the the company and picked up my belongings and informed the company i couldn't afford a bill at the amount that they were asking for. I ask if i could get my belongings. They let me get my belonging and informed me the vehicle would be sold. Today date is XX/XX/XXXX. I'm receiving a letter from a collection agency stating i own {$2900.00} due to the vehicle that wasn't release from the tow yard. I called the tow yard and ask them why wasn't I informed that i would still have to pay regardless if i left the car onsite. The company stated i was sent a lien packet. I never received a lien packet regarding my car. I feel like i was scammed into thinking my car would just be sold. Instead i am being charge a daily fee that i was unaware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
To whom it may concern, XXXX is violating my rights and the Fair Credit Reporting Act in particular 15 USC 1681 s-2 which governs furnishers if information. The law prevents furnishers of information from reporting income which is what XXXX is doing in the form of reporting a charge off which they reported bad debt and therefore deducted as income. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes their reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge off is Income.

The reporting of this account as a debt is in accurate. 15 USC 1681 s-2 Says XXXX is a furnisher of information to a consumer reporting agency. 

XXXX is PROHIBITED BY LAW to furnish inaccurate information. 

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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 And in addition they are continuing to report my account as late payments as well which is another violation. 

After seeing the inaccuracies On or around XXXX XXXX I sent a dispute letter to XXXX expecting for my concerns to be taken seriously and corrected as the law specifies. On XXXX I received a form letter back with a blanket denial which one of them stating that I had sent a dispute before, which I had for an unrelated issue. Instead of giving my correspondence the respect that it deserved they systematically denied it. 

XXXX has been in violation of the Fair Credit Reporting laws numerous times in the past and in fact recently just lost a large judgement for similar behavior which shows a pattern of intent to damage and defraud the public and is not learning from past judgments.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I do not recognize how this collections account # XXXX is reporting on my credit report. I do not recognize the account number, account status, account high balance, or any late payments associated with it. Everything reported here does not meet FCRA. 

Additionally, this account is listed as a collections account stemming from a charge-off from XXXX originally XXXX I never received a 1099-C for this account. 

Furthermore, this account has been removed from XXXX and XXXX but is still being reported by TransUnion. This is unfair, deceptive, and inaccurate information being furnished on my credit report. This collections account has never verified any of this information and needs to removed 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 non-monetary relief
Consumer complaint received 2018-03-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I agreed with portfolio recovery associates to settle my debt and have it removed from my credit report for XXXX dollars and they left a balance on my credit report for XXXX. 
Totally illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX modification wrongful amount on deferred principal from XXXX modification. Per lenders recent response to you once again they are being deceptive. I have tried endlessly to have this corrective

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was contacted by a representative of XXXX, on XX/XX/2023 at XXXX XXXX  ( XXXXXXXX XXXX central  ) as I was traveling on business on the XXXX XXXX. I was asleep when the call came in, so I was not able to answer before the call rolled to voicemail. At XXXXXXXX XXXX ( XXXXXXXX XXXX CDT ) I called the number back, not knowing who the caller was. When my call was answered, I stated that someone had called me from this number and I was returning the call. The female on the line immediately wanted my name, but since I did not know who I was speaking to, I'll asked her who she was with. Her response was, " I told you when I answered the phone, now what's your name ''. I told her again, " I don't know who you are or what company you represent, so let me know who you are and then I will tell you who I am. '' She then told me very rudely, " well whenever you're ready to identify yourself, you can call back '', then she hung up on me. I called back again and determined that this company is called XXXX, a debt collector, and called me from phone number XXXX. This representative was very rude and disrespectful. I understand they have a job to do, however there is no excuse for being rude and disrespectful. There was no reason for this behavior towards anyone for any reason. I immediately contacted the doctors office who referred this account to them, and it was quickly determined that this account was sent over in error as there was an error in billing on their part, which has been resolved. I also notified the doctors office of how I was treated by XXXX, as I know how much pride they take in providing a respectful and service oriented atmosphere for their patients. My expectation is that I receive a genuine apology from XXXX for how I was so rudely disrespected by their firm, as well as what steps will be taken so that others do not have to deal with the abusive tactics that this company appears to use to intimidate the people in which they contact. I have no patience or tolerance for these unethical and unprofessional tactics. I expect to be treated professionally and respectfully at all times, and I will provide the same in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: LEXISNEXIS
State: IL
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 can not accept the presence of public records on my credit report. It is causing significant XXXX  and distress, and I implore you to remove them without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THE COMPANY IS ATTEMPTING TO COLLECT DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION ON TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: CITIBANK, N.A.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
3 years ago purchased a PC from Best buy when I was ready to pay the sales person told me that I can save 15 % if I used their credit card. I agree got home and cut their credit card, two weeks latter they send me bill for the PC, I paid the full amount with my credit card that I have for more than 10 years. Last year when I was overseas  keep getting messages that I was late in my payments to Citibank I keep ignoring it because I never had any purchase with their card since I don't have a credit card with them. At my return went to Best Buy and complained of the charges from Best Buy that I never had, the attendant went to talk to someone an at his return he said do not worry they think it is a scam. 
Thank you XXXX XXXX XXXX. 
The collecting agency is XXXX XXXX XXXX XXXX, CA XXXX Ph ( XXXX ) XXXX REF 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 2023-04-10
Company: Experian Information Solutions Inc.
State: WA
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 has sent me to collection 3 times. Most recently XX/XX/XXXX I was a full time salary employee until XX/XX/XXXX. XXXX is claiming overpayment which is incorrect. 

I thought this was taken care of XX/XX/XXXX when I emailed XXXX XXXX with collection agency. 

I called the school directly after the initial dispute of overpayment to try to clarify with little communication with HR. 

The forms sent to collection by XXXX are fraudulent I do not believe they are the originals. I see on the bottom of pages 16 and 17 " * original lost in mail '' The signature is mine on page 16 and 17 but none of the other writing on it is mine. 
It also does not make sense that I would sign and date it for XX/XX/XXXX and it would be sent to payroll on XX/XX/XXXX Page 16 and 17 also both are completed with " sick leave '' and " leave without pay '' marked however I do not recognize this writing- I DID NOT FILL THAT OUT. 

was working during the time paid and was paid appropriately. I The originals were misplaced by XXXX and completed by someone else, NOT MYSELF. Not sure how they can legally support this. 

I am tired of this harassment and plan to seek out legal assistance to resolve this matter. 

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 non-monetary relief
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: NY
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: NJ
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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