BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: OK
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 notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: AZ
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:
Dear Equifax I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
- XX/XX/22 - Opened a XXXX XXXX XXXX Credit Card ( AMEX ) -Since then I have been trying to connect that card to my XXXX XXXX Account -I have earned over 80k XXXX  points XXXX however, AMEX and XXXX are unable to connect my accounts. If they can't connect the accounts, they are unable to give me the points. 
-In addition, I have already paid the credit card membership fee and have been unable to use any of the card benefits. 
-I have contacted AMEX and XXXX XXXX XXXX times ( in chat and phone ). They promised that they would get this issue resolved. However, they have not done anything yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: BARCLAYS BANK DELAWARE
State: MA
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:
Without my knowledge or consent, someone charged {$8800.00} to my XXXX XXXX XXXX XXXX Barclays credit card. When I called Barclays to file a dispute, XX/XX/XXXX immediately after discovering this, Barclays refused to open a dispute. They said they do not do this, first I have to wait 2 weeks and try to resolve my self. XX/XX/XXXX, I attempted to resolve with the business ( I do not know which employee committed the act. ). One manager initially acknowledged a mistake had been made and was going to refund my card. When I went in for credit, a different person was there and threatened me ( I have a witness ). XX/XX/XXXX I submitted a written dispute letter with a case number, to Barclays. Barclays never sent a letter acknowledging the total inn spite of repeated requests for one. XX/XX/XXXX I received a letter, but it had a different case number. In XXXX I did receive a partial credit ( {$3200.00} ) Barclays said there had been no response from the merchant. In XXXX I continued to call asking why a different case number but no one knew. A 3rd number was assigned in XXXX where the representative said she would attach the new file number to the original XX/XX/XXXX letter. I sent several written letters and have attached all evidence in section 3 with specifics and my original dispute letters, proof of on time notice ( Fax company ) and Barclays response.

Barclays assigned two more case numbers following the original assigned case number and dispute letter. In XXXX I received notice from Barclays that said I had not filed in time. During all the months I was told the " back office '' was investigating this, I called and checked in and believed Barclays was doing something. Please read my attached detailed chronological list of events. Worse now, is I have to pay interest on a fraudulent charge.

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 2023-08-15
Company: EQUIFAX, INC.
State: IN
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I will take further actions if these were not solved as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: MA
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 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 2019-09-19
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 I received a letter of a debt I have never heard of from XXXX XXXX  collection for XXXX. I never have in my life had a XXXX account. NEVER NEVER. 

The letter is misleading. This is the first time I have heard of this. I have contacted FTC, there identity thief division, I filed a police report, I have contacted the attorney general regarding this. I have sent a letter to them which they should be getting any day now and I also sent a letter to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), it is imperative to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. XXXX and XXXX, being consumer reporting agencies, interact with me as the consumer. I possess the right to safeguard my private information, as reinforced by 15 USC 6801, which dictates that financial institutions have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information. XXXX XXXX XXXX  falls under the definition of a financial institution in compliance with this policy. Under 15 USC 1681, Section 604a, Subsection 2, it is stated that a consumer reporting agency may furnish a consumer report only upon the written instructions of the relevant consumer. Both XXXX XXXX XXXX and the consumer reporting agencies, XXXX and XXXX, do not possess my consent to disclose this information, nor do they possess my written consent. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise a nondisclosure option. XXXX XXXX XXXX  never informed me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is being reported as adverse without my permission, which is in violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the furnishing of inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of Section 1681c and restrict the furnishing of consumer reports to specified purposes. XXXX and XXXX appear to be failing to maintain reasonable procedures. Moreover, 12 CFR 1016.7 affirms my right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services

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 2023-08-15
Company: EQUIFAX, 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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: KY
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 have been advised by my credit card companies that my credit score ( usually over XXXX ) dropped significantly in XXXX, XXXX, as reported by XXXX and Experian. On checking my scores, they seem to have dropped by approximately XXXX points in a single month. I have checked my credit reports with both companies and have no issues that would have caused such a drop. 

I did get within {$500.00} of the {$5000.00} limit on one credit card - unusual for me- but that's the only factor I can see that might have caused the drop in my score. Again, that amount was UNDER my limit, not over it. 

It seems to me that such a drop is unfair to myself and other consumers, given the facts I've stated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Amsher Collection Services, 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: Was not notified of investigation status or results

Complaint:
This company is claiming that I owe a debt, but I have never had a relationship with Amsher Collection. They are illegally reporting an incorrect account to the credit bureaus, and this is affecting me tremendously. I sent a letter on XX/XX/22 requesting validation, but this request fell on deaf ears, yet it is still on my credit report. My question is why have I yet to receive any validation of this account? The balance is not the same balance I have with the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that you've not legally verified this account and have allowed for incorrect and possibly fraudulent information to continue reporting on my credit file, you are required to remove this account immediately from my credit report. If I am forced to take this to court and hire an attorney, I will be seeking {$2000.00} per violation. I will attach the letter that was sent 2 months ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: U.S. BANCORP
State: MO
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:
Some money transfers were made through XXXX, money transfers that I did not authorize, I indicated this to the bank ( in one of their branch ) and the bank said it could not do anything because the account is frozen. Around XXXX dollars were lost in two days thanks to their poor security management with the accounts and the checks that are deposited, they hold a check XXXX h and they do not inspect if is a real check or is a fraud, they just put money in your account and if the check is not legit they just charge you for that when is their fault because they should review the checks carefully before accept them and give to the customer the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Professional Credit Management, Inc
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit report and noticed XXXX XXXX from Professional Credit Management. I was unfamiliar with the debt so I reached out to them to get more information. They noted some medical bills. XXXX was very old from XXXX that I don't recall. XXXX others were from during the pandemic in XXXX. I asked for an itemized statement and they sent me a collection letter with XXXX line items noting only the original creditor and amount due. I then contacted the original creditor to get additional details. The agent there said that one of the bills in question did not match my identity information she had on file. She was unable to provide much more information. I called the collection agency back and informed them that I was questioning the validity of the bill. During the time in question, I was pregnant and on state provided XXXX. I should not have been responsible for any medical bills at all. However, in talking to both the original creditor and the collection agency, neither can prove that the debt does in fact belong to me. They want to keep putting the responsibility on the other to rectify. I have disputed with the credit reporting agencies to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: LEXISNEXIS
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 2022-11-07
Company: Specialized Loan Servicing Holdings LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Cfpb disappointed in your level of service & support of XXXX, XXXX borrowers like myself. On two separate occasions I have FILED COMPLAINTS with CFPB identifying REAL complaints against specialized loan servicing. Complaint # XXXX & # XXXX for XXXX # XXXX. The LOAN business & financial products ARE full of biases AGAINST XXXX NOT too mention the XXXX XXXX XXXX XXXX WHICH practice XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
These issues WHICH I brought to your attention HAVE not been " FIXED '' IN XXXX NOR in XXXX. This complaint process is little MORE than a red flag for companies LIKE XXXX  XXXX XXXX whom issued ( me ) a XXXX XXXX loan on XXXX. Then began increasing INTEREST RATE & Payment in XXXX. Only two years after modification began. In XXXX, I was provided a LOAN modification with the SERVICER SLS loan XXXX & new payment WAS too begin on XXXX for {$910.00}. Instead of this payment AMOUNT which I agreed too, my payment was @ least {$1100.00} per month & I made new complaint # XXXX. The company ( SLS ) MAILED a letter in XXXX, XXXX agreeing to " Resolve '' issue in ( 15 ) business days. YET, XX/XX/XXXX I am filling a NEW complaint. 
Instead OF ONLY filling this complaint WITH your organization I WILL be ALSO contacting the XXXX XXXX XXXX too notify them of my displeasure. Again, my XXXX complaint servicer should NOT have been able to increase my payment for @ least ( 5 ) years NOT 24 MONTHS. SECOND complaint with CFPB notified them if A {$200.00} per month increase on agreed upon payment & SLS agreed to resolve in ( 15 ) business days of XX/XX/XXXX. Issues STILL not RESOLVED. DOCUMENTATION TO FOLLOW.

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 2018-08-19
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I disputed an inaccurate item on my credit report. However, I NEVER received any response back from Transunion concerning this matter ; therefore, I sent them a letter on XX/XX/XXXX requesting XXXX for them violating FCRA rules. Due to the fact, IT TOOK MORE THAN ( 160 ) DAYS AND TRANSUNION NEVER RESPONDED TO MY DISPUTE ; EVEN THOUGH THEY ONLY HAD ( 30 ) DAYS TO COMPLETE THEIR INVESTIGATION. Consequently, Transunion responded to my letter on XX/XX/XXXX by stating that the item was VERIFIED, which INDICATES that they NEVER read my letter because if they would have they would have none that I DID NOT file a dispute ; yet, I was requesting XXXX dollars because Transunion DID NOT complete their original investigation within the allotted time frame of ( 30 ) days. Therefore, I mailed a 2nd request for damages in the amount of XXXX on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: LEXISNEXIS
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I informed LexisNexis of inaccurate and incomplete information as it relates to a reported bankruptcy on my consumer report and requested that it be deleted. I also obtained court documents stating that the court in question does not furnish information to credit or consumer companies. No actions have taken at this time by LexisNexus.

Company response to consumer: Closed with explanation