BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: MD
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:
The credit bureau keep disrespecting the laws. I showed them multiple times of how they are violating the FCRA. 
They are not doing a full investigation, i asked for investigation and description of investigation according to 15 usc168i7 and they never provided it ( over 60 days ago ) Also according to 15 usc1681 s2 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 tgat the information is inaccurate This is violation after violation causing me to stress because i have no hope with this system In accordance with the Fair Credit Reporting act. accounts below has violated my federally protected consumer rights to accurately report information 15 USC 1681. Account : XXXX Account number : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States In accordance with the irs/fcr canceled debts ( charge off ) is gross or ordinary income Income does not get reported on my consumer report Which makes the charge off an inaccurate report 15usc 1681e ( b ) 15usc1681 s2 XXXX  has written it off as a lost and can no longer collect from me As defined by the IRS you must Report canceled that as gross as income on tax return and use a 1099c The IRS clearly defined charge off as gross or ordinary income. income does not get reported on consumer report which in fact makes you reporting on this account in accurate! Also see law 15 USC 1681 s-2 its requied you follow this law after investigation 15usc1681i, i have already contacted this company and they have not properly investigated this matter 15usc1681n My next step will be to collect monetary relief for this crime

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 2018-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX -- Use of credit card issued by Bank of America was denied by merchant although card was current in payments. Call to BOA customer service who informed me that I am deceased, and provided number to BOA estate unit. I have two BOA credit cards, and since it is a separate customer service number I called it, was given the same information except was told that the estate unit does not have a direct line ( WRONG ). 
XX/XX/ -- called the estate unit, asked who reported my death and could receive no answer to that question. Was told that BOA does not need a death certificate to verify the report. Was told that credit to the cards would be restored in 45 minutes ( WRONG ). Several hours later I attempted to use one of the cards, it was refused, called customer service again and after a long time on hold was informed that it takes 24 hours to restore credit. 
XXXX XXXX XXXX -- BOA mailed out condolences on my passing. Although dated XX/XX/XXXX on the letter, postmark on the envelope was XX/XX/XXXX. Letter attached. 
XX/XX/XXXX -- received letter from BOA dated XX/XX/XXXX, apologizing for the error, and saying to call if I have any questions. I asked the following questions to the BOA representative XXXX : 1 ) BOA has my phone number and my email address. Why did noone from BOA attempt to verify my demise? 2 )  Who reported my death to BOA? 3 ) Which consumer reporting agencies did BOA contact? XXXX had no answers, I asked to talk to his supervisor, and he said " You can talk to my supervisor, my supervisor 's supervisor, and my supervisor 's supervisor 's supervisor and they can not answer your questions. 
XX/XX/XXXX-- I went online to BOA to pay the bills on the two credit cards, was denied access to do so, had to contact customer service to correct the problem because BOA never cleared electronic access.

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 2023-09-15
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction with XXXX made on XX/XX/2023 in the amount of {$220.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.

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 2023-07-07
Company: LCS FINANCIAL SERVICES CORPORATION
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I mailed a certified letter to the company to cease and desist any and all communication due to my not owing any debt currently and no idea what this is or why they are contacting me. According to the post office the certified letter would be received by the company on XX/XX/XXXX In addition, I mailed a copy via regular mail with normal postage. 

Since XX/XX/ I have received calls from phone number XXXX ( which reports show belongs to this company ) on the following dates : 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: KS
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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
Consumer complaint received 2023-08-10
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Enhanced recovery co l is reporting a account on my credit report thats keep removing and update every year with a new account number each time account number XXXX does not belong on my credit report this is a fraud account this account need to be removed within 30 days else I would have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: ERC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I am getting multiple calls from ERC representatives, and Ive now received mail from them at my new address. They arent looking for metheyre looking for my ex-husband who Ive been divorced from for two years now. He has never had my phone number ( and Ive been on my own account for at least 3 years now ), and he has never lived at my current address ( which I bought as new construction 4 months ago with my new husband ). I have told them that I am not him, he is my ex, and Ive provided them the correct address. Sadly I dont have his current phone number or I would give them that, too. Every time they call and I explain the situation, they tell me that theyre removing my number and information from their list but I continue to get calls and correspondence from them. I dont understand how theyre getting my contact information but cant seem to find his to contact him since hes the one in debt. They also disclosed how much money he owes them even though I told them I am not who theyre looking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: MI
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've been fighting XXXX XXXX credit card that I didn't open that continues to report on my credit report. It's reporting on my record as charged off of sold to another company after our being already removed only to be replaced after a year! I put in the last request for is to be validated on the XXXX of XXXX for them to tell me that Experian told them the information was correct. I contacted Experian and they told me that the credit card company told them the information was correct.

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 2023-07-08
Company: Consumer Portfolio Services, Inc.
State: OH
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:
This account is unauthorized and has invalid information and violates my privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 Section 602 States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Yakima County Credit Service, INC
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This was traffic ticket fine. By the time they added there interest it was almost XXXX $ I set up a contract but if something happens like an earth quack or no money because I live on SS they default you then have to pay another set up fee and then they add there 12 % interest again on what's owed so I'm back at square one. I have paid on this fine for years. They are holding my drivers license. I'm XXXX I live out in the country with no bus and I can't get my license. I had tried when Yakima had a fine forgiveness going on to get my debt out of collections but they refuse to work with me. I can't afford the extra bill. but I need my license. They do not even try to work with me. I have paid this fine 4 times over but it is still not paid. I believe it started out as the fine was maybe XXXX $ but with there interest it became 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 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Ive reached out to transunion on multiple occasions explaining there are inquiries on my report that I dont recognize nor gave permission to any of those particular creditors to access my file. I have been told by transunion that I have to wait until the XXXX yr mark to have them removed when in fact I explained they were unauthorized and violates my consumer rights. I wrote multiple letters, Ive called as well and they keep refusing to take care of my 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 non-monetary relief
Consumer complaint received 2023-07-08
Company: United PanAm Financial Corp.
State: OH
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:
This account is unauthorized and has invalid information and violates my privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 Section 602 States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Company: EQUIFAX, INC.
State: ME
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:
The original creditor was XXXX back in XXXX, however it was purchased by multiple agencies and finally ended up with XXXX XXXX XXXX. However, they have reported the creation date for this account in XXXX as " new debt ''. And now they have sold it of to a new company XXXX and yet creating a new account as if they debt is brand new. This debt is XXXX XXXX XXXX and should have fallen off my credit. We have reported multiple times to remove the debt and only to receive letters from the creditor not to and then selling off to a different agency. This is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: SC
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 non-monetary relief
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: DC
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:
Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. By law, unverifiable accounts must be removed. The accounts listed below are not mine. They each are associated with inaccurate personal information. Please remove them from my credit profile and credit report immediately. XXXXXXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX. These are not my accounts.

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 2020-07-10
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I like to use trading apps like XXXX and XXXX but they use systems like XXXX to link your bank to the apps and currently PNC. Does not permit it, and its restricting my ability to invest and grow a portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 
XXXX XXXX XXXX XXXX XXXX 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 account without my written instructions.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I already submitted a complaint to the XXXX Credit Bureaus regarding my concern. I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The XXXX, XXXX, and TransUnion Credit Bureaus must comply with the Fair Credit Reporting Act, 15 USC Sections 1681i, and stop reporting as unverified information without any proof provided, within the time allowed by law. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00}.

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