BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
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: Information belongs to someone else

Complaint:
I sent a letter on ( insert date letter was sent to bureaus ) to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX EXPERIAN XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX 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 2019-12-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is with respect to Equifax. I have a security freeze on my file and wanted to lift it temporarily to access my file. 

These credit bureaus are making it extremely difficult to work with their websites. Equifax for example keeps locking my account out. I have spent 2 hours today trying to get hold of someone to unlock my login credentials and the person on the other end claims he did it.

I tried to log in again and it is still locked. I am not going to waste another 2 hours trying to get this fixed.

How can I get this resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$940.00}

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 explanation
Consumer complaint received 2023-01-05
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid 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:
After performing a minor audit I realized that on XX/XX/XXXX I was charged {$9700.00} by XXXX XXXX XXXX On XX/XX/XXXX I reached out to Barclays credit card to file a fraudulent claim with them for this fraud. After two weeks I received a letter from Barclay credit card stating that this was not a fraud. I then proceeded to call them again to refile my claim and was told that it was denied because Barclay credit card fraud department was unable to reach the merchant ( XXXX XXXX  ) and because my account is in good standing this must not be a fraud, and that I should call them directly and ask them for a refund. As I explained to them when I originally filed my claim I have reached out to the merchant numerous times and I'm unable to reach anyone. I don't understand if the bank can't reach the merchant. How do they expect me to? When I explained this they told me there is nothing they can do for me to call the merchant. I am a senior citizen and don't always stay on top of my finances so I didn't catch this earlier. I am now staying more aware of my accounts but as a customer for this credit card I find it hard to believe they are protecting the Merchant and not their customers.

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 2019-11-11
Company: Reliant Capital Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 Reliant Capital Solutions sent a collections notice. A validation of debt notice was sent and received by Reliant. 
Tracking number XXXX Delivered XX/XX/XXXX, XXXX XXXX , OH So Reliant received my dispute in XXXX. Today XX/XX/2019 Reliant posted this account to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: KS
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:
Through my regular credit monitoring on XX/XX/XXXX, I found that a collections had been placed on my credit in XXXX. I immediately reported/disputed the account with all three credit bureaus because I had no knowledge of this collection and had never received any sort of bill or opportunity to pay from them. I found that the collection was from XX/XX/2021 from an apartment I vacated in XXXX of XXXX. I have since lived in another state. XXXX and XXXX removed the collection immediately. Experian reported it as accurate. I disputed their results. I have absolutely nothing to submit for evidence because I have never received anything from this company, which is impersonating a lawyer with its name, a known collection fraud tactic. I have tried uploading my power bill in my new state showing I moved in XXXX of XXXX as well as email correspondence showing my notice to vacate in XXXX XXXX the payments I would be responsible for, and proof of payment, as well as emails from the apartment complex giving me a final statement and me telling them they did not send anything. Experian has provided nothing to show that this debt is accurate, even though they claim it is.

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 2019-12-08
Company: Strategic Alliances, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: BARCLAYS BANK DELAWARE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I have had an XXXX XXXX XXXX issued by Barcklays Bank of Delaware for some years. Since the card was approaching its expiration date of XX/XX/2022, I contacted the company in XXXX and asked them to send a replacement card to my address in XXXX. They said they had sent one earlier but it never arrived. I asked them to send it express, since the expiration date was near, and they agreed on XX/XX/XXXX to do so, charged me {$15.00} for it, and then said they could not send it express after all and sent it by regular mail on XX/XX/XXXX. I waited weeks, called several times, but it never arrived. On XX/XX/XXXX they agreed to send another card, did nothing until XX/XX/XXXX, and then sent it express by XXXX -- exactly what they had claimed they could not do -- but did it WITHOUT GETTING A TRACKING NUMBER even though I had EXPXRESSLY told them to get one so I could know where it was. It has not arrived XXXX weeks later, and with no tracking number I have no way of knowing if it was held by customs, was lost, or anything else. I have had no usable card this entire time, since they cancelled the existing account when they sent the first card in XXXX ; I can not pay my bills, my monthly payments are being denied and services cut off XXXX after another, my credit rating is suffering because I am delinquent on payments, and despite REPEATED calls to Barclays all they do is tell me to wait and offer to start the whole process over again from the beginning by sending yet ANOTHER card. I can not afford to start over with this long process another time and watch my credit collapse while I wait for the card to arrive. I know how bad they are -- last time I needed a new card they put the XXXX XXXX XXXX on the address instead of XXXX  and it went to XXXX instead of XXXX. They did contact my family in the United States XXXX weeks ago, then sent me an email with a phone number to call. I have called it over and over and over and over and never get anything but an answering machine saying to leave my number and they will call back within 48 hours. I have been leaving the number for XXXX weeks and have not yet received a call back. I told their agents in live conversation at a different number -- and I AM SERIOUS -- to send a courrier to XXXX with the card in his or her pocket ; if they had done so when I asked, this matter would have been settled by now. But they have done nothing, and tell me that if they sent yet another card, it would again be with NO TRACKING NUMBER, leading to the same problem. I need to pay my bills and I need compensation for the damage they have done. Please help me with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Zions Debt Holdings
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Zion debt holdings continues to report a collection for an account that have not been able to verify. This collection was removed from my credit when mountain run solutions reported it because it was inaccurate and does not belong on my credit report. They have not been able to produce anything that verifies the amount of the debt they are reporting or gives authorization to even report any debt. When asked for a final bill, nothing was produced. There was also nothing from XXXX provided to authorize this company to report anything on my credit. The account I had with XXXX was taken care of when I moved out of the home and the owner took over use of the equipment.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Choice Recovery, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I asked for a contract proving that these accounts held me contractually liable to pay them. They failed to send any information requested. they only sent a letter stating the amount owed. This in in violation of my consumer rights and the FDCPA/ Federal Rules of Civil procedure. I have contacted this company on numerous occasions requesting that they delete these false accounts. I know that the FCRA requires them to have proof the account is mines in order to report it to the bureau. CHOICE RECOVERY INC is reporting this false information. This company continues to contact without any proof or validity of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The file I will upload are fraud accounts and inquiries, I have submitted this information over and over in still no response for over 5 months. Im a victim of theft and they need to remove these 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 2022-06-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 
XXXXXXXX XXXX XXXXXXXX # #, 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 ) X1 ) 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 information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have Banking with regions Bank for many years, suddenly when I started having issues depositing my personal money, Bank refused to send me information 's why and where is my money. XXXX, XXXX I made transfer XXXX $ from my unemployment account to my personal regions bank account over night i lost everything. with in week or so regions send me express mail to letting me know they are closing my account Regions stated how they have full rights to close my account with me and refuse to service me. i contact them i chased my lost money i had all proof of money but they refused me and Regions closed my account with out my consent.. I paid off in full My loan with then From XXXX Lean. from them show negative impact on my XXXX credit I was in Regions Bank Personaly I talk to Bankers they Made copy of Paid off loan and Bad reputation from them to my XXXX credit, when I was right with all documents they closed my account Not me. I provided them original documents from my credit from my transfer money and what balance should be. how ever this is used against me when i give them copy what they Have done. They hurt my financial freedom my credit and reputation for future financial comfort. I lost money with them they Turn Against me some how they forwarded my account to collection agencies XXXX m having issue on todays day to stabilize my financial situation Because my Identity has been stolen and compromised for so long to This Agency @ XXXX XXXX XXXX  XXXX suit XXXX XXXX Ohio XXXX XXXX Fraudulently calling me and threaten me with my own Identity. this company have no right to contacting me on behalf of stolen account. I need Help. I need help Please help me. I lost thousands of dollars during the past years by Scammers and fraudulent charges. Thanks

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 2022-06-06
Company: EQUIFAX, 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. 
XXXXXXXX XXXX XXXXXXXX # #, 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 ) X1 ) 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 information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Credit Karma, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I disputed transactions on my account and was given a provisional credit after 9 business days. However Credit Karma restricted my account so I am not able to use these funds that were made available to me so that I may have full use of these funds while they investigated my dispute. When I call I am told that that department is not available to speak to and that there is nothing that they can do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
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: Information belongs to someone else

Complaint:
MY CREDIT REPORT IS MIXED UP WITH SOMEONE ELSE FOR POTENTIALLY ALL THREE CREDIT BUREAUS. BUT I ONLY SPOKE TO XXXX BUT ALL THREE ARE SHOWING AN INCORRECT XXXX SCORE AND THE WRONG CONTACT INFORMATION. 

XXXX has my report somehow mixed up with someone else 's. Today I noticed my XXXX Credit Score had suddenly plummeted over 100 points. The only thing that had changed on my report was I had taken out a small student loan for about {$8000.00}. Yet everything else was the same even my delinquent mortgage.

But my score suddenly plummets over 130 points?

And the reasons it gave for the plummeting score had nothing to do with my credit file. 

So I called into XXXX and spoke to an agent in XXXX. The agent kept telling me she had a different phone number for me. My phone number is already on file with XXXX, I had my credit report pulled up in front of me, but the woman kept saying she saw a different number. It was a very strange and frustrating phone call as she would not tell me how to resolve it. All she kept saying was there was a different phone number. 

And worse, the questions that XXXX was asking me when I was accessing my report did not apply to me at all. Although XXXX still gave me entry into my report. 

I have a fraud alert on my credit file because I have repeatedly been the victim of identity theft ( one of them caused by XXXX itself and they are paying for identity protection ). 

But I know that they have the report they release to lenders ( which is different than my personal report ) WRONG. 

The woman told me she saw employment numbers etc. on the report and additional numbers that were not on my personal credit report. 

So the report she accessed on me was different than what I saw. 

XXXX needs to release to me the report they show to lenders so I can verify the information because I did not see any different phone number.

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