BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-01
Company: Monterey Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2021 2nd CONSUMER COMPLAINT FOR FDCPA VIOLATION I am Consumer and I filed an initial Consumer complaint against Monterey Financial Services ( aka Monterey Collections ) under complaint number XXXX for violating various sections of the FDCPA and The Truth in Lending Act. 
After communicating with Monterey in an attempt at achieving complete resolution to the violations committed against me ( the Consumer XXXX by Monterey, they committed yet another separate violation to the FDCPA. 
On XX/XX/XXXX, XXXXI sent Monterey a letter ( Exhibit 1 ) notifying them that they committed violations of various sections of the FDCPA and The Truth in Lending Act while attempting to collect an alleged consumer debt from me via USPS priority mail ( Exhibit 2 ). 
The letter was received in their office on XX/XX/2021 XXXX Exhibit 3 ) Monterey responded to me on XX/XX/2021 XXXX Exhibit 4 & 5 ) via thus violating the communication directions outlined in the letter attempting to come to a resolution ( Exhibit 1 ) that they received on XX/XX/2021 Montereys violation entailed disregarding my most recent instructions for communicating with me ( the Consumer ). Monterey ignored my request for them ONLY to respond to me via email at XXXX pertaining to this. Any other form of communication was nullified with the last and most recent communications instructions from me ( the Consumer ). Instead Monterey mailed their response to my home address via US Postal Service ( Exhibit 4 & 5 ) despite my instructions to only communicate with me via email. violating the Federal Debt Collections Practices Act 15 U.S. Code 1692 ( c ) and harassing me by disregarding my instructions only to communicate via email violating 15 U.S. Code 1692g

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: IL
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:
I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft report. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: AL
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 15USC1681 Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account 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 2023-06-03
Company: Experian Information Solutions Inc.
State: IL
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.

The letters are stated with items and issues.

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 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: EQUIFAX, INC.
State: RI
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06
Company: Experian Information Solutions Inc.
State: GA
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:
There are incorrect Information reporting on my credit report. There are fraud accounts reporting and incorrect personal Information. 

Incorrect Address Information : XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX The following account is reporting as a result of fraud : - XXXXXXXX XXXX  ( Experian & XXXX ) ; Bal : {$640.00} - XXXX XXXX XXXX  XXXX - ( Experian ) ; Bal : {$270.00} - XXXX - ( Experian ) ; Bal : {$0.00} - XXXX XXXX XXXX  - ( Experian ) ; Bal : {$990.00} The following public records are not mine : Chapter XXXX - Dismissed XXXX date : XX/XX/2015

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 2023-09-14
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: PLAID INC.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I chose the closest issue to my complaint. 
I have had issues for over a year with Plaid.Many financial institutions use Plaid to connect your banking acct info to other financial institutions ti be able to receive money. Im unable to get access to many financial institutions that holds my funds or allows me to borrow funds because of issues with Plaids Sys.Since many financial institutions use Plaid to connect to your banking acct, if your unable to get through the login process with Plaid you have no access to your money.My issue is that the security answers to my security questions that are set up in their Sys are not being accepted even though they are correct.It took at least 6mos for the situation to kinda get rectified but its happened again. This has caused me to lose my lines of credit with several places and its causing me to not be able to access my funds because my bank info can not be authenticated through the security questions which is the only way to connect to get my money.This has is causing me so much stress and financial hardship because I cant access my money.Plaid has no telephone no and no email address and no mailing address.Youre required to submit tickets online which should be answered within 2 business days but they are not.Now, when trying to submit a ticket it gives an error message saying that the app is no longer supported.I dont know what app they are referring to because Im on their website looking for assistance.This is ridiculous and a beyond serious matter because several financial institutions uses them and theres nothing that can be done to bypass them.I can lose my home, car, credit cards, etc. because of their system issues and theres no way to contact them.Ive even reached out on their social media platforms with no response.I cant function in any way because I cant access my needed funds.They should be shut down.I have several screenshots and emails XXXX from 2022 up until now with the same issue.Now the only way to try to contact them does not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: EQUIFAX, INC.
State: IL
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'M THE VICTIM OF IDENTITY THEFT. i CONTACTED THE FTC AND FILED A COMPLAINT. I SUBMITTED ALL THE PROPER DOCUMENTS TO THE CREDIT REPORTING AGENCIES, YET THEY REFUSED TO REMOVE THE INACCURATE INFORMATION FROM MY FILES

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
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 have an account with XXXX that has now been closed for over 2 years. Ive attempted to contact XXXX and pay the outstanding balance, to no avail I was told that the account was moved to collections. So I contacted the collection agencys phone number XXXX once I got ahold of a rep for this agency I was told that the account is so old that I can not pay the balance and he can not help me pay off the XXXX $ balance. After that I filed a dispute with XXXX  and they did nothing to help my report or the situation. Ive tired every route.

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 2023-05-25
Company: BARCLAYS BANK DELAWARE
State: WV
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: Card was charged for something you did not purchase with the card

Complaint:
Barclays Bank has said they can not help me regarding this dispute. I provided them with the credit vouchers that I found in my contract documents with XXXX XXXX, both of which were not signed by me. 

This card was not authorized by me nor were these charges. 

My contracts with XXXX XXXX have been cancelled. If Barclays Bank can do business with such a scam as XXXX, it puts them in the same category, scam artists. 

Barclays said to take it up with XXXX. Since Barclays is harassing me for payment when they were never given authorization to open a card for me or put any charges on it.

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 2021-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are several items that are reporting on my credit that do not belong to me. 

Incorrect Names : XXXX, XXXX, XXXX, XXXX XXXX ( Transunion ) Incorrect Address : XXXX XXXX XXXX  ( Transunion ) Incorrect Address : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX, XXXX XXXX ( XXXX ) The following items do not belong to me ( Fraud Account ) - XXXX XXXX  ( Transunion ) - Bal : {$21000.00} - XXXX XXXX  ( XXXX  ) - Bal : {$21000.00} - XXXX XXXX  ( XXXX ) - Bal : {$21000.00} - XXXX XXXX  ( TU, XXXX, XXXX ) - {$52000.00} - XXXX XXXX  ( TU, XXXX, XXXX ) - {$36000.00} - XXXX XXXX ( TU, XXXX, XXXX ) - {$1300.00}

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 2018-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
THIS SAID COMPANY CHARGED MY VISA BANK OF AMERICA CREDIT CARD XXXX ON XX/XX/2010 WHEN I SAW THE CHARGE ON MY STATEMENTS I REPORTED IT TO CREDIT CARD AND I WAS TOLD FROM AT REP THAT THEY WOULD CREDIT MY ACCOUNT WELL THEY NEVER DID. I TRIED TO CALL IN AGAIN TO REPORT THIS SAME CHARGE AND THEY ARE NOW SAYING THAT THE CHARGE IS TOO OLD AND THEY CANT DO ANYTHING FOR ME. IM REPORTING TO YOU BECAUSE THEY SHOULD BACK THERE CLIENTS AND REFUND MONEY THAT WAS TAKEN OUT OF MY ACCOUNT THAT IS FRAUD. PLEASE HELP ME GET MY MONEY BACK

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 2023-09-07
Company: Experian Information Solutions Inc.
State: NJ
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance :

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 2023-02-08
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted the company back in XXXX to close my account, and received a message saying they would take care of it. 
Starting around XX/XX/XXXX and from that point on, I have been receiving calls from them ; I was not sure why since I was told they would close my account. 
Recently I saw that my credit score changed and saw that I had missed a payment to Comenity Bank which I thought was not right since my account was closed. I started a dispute through XXXX in XXXX to figure out what was going on, but from the results, the account is still on my credit report. 
I have tried logging in to my Comenity account to see what I could do, but they have no record of me when I try to reset my password/username. 
What I am trying to figure out is if they do not have a record of me currently banking with them, why is my account apparently still " active '' and I am having to continue to make payments even though I am no longer attached to them?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In the Summer and Fall of XX/XX/2020, I was a victim of identity theft ; while living in XXXX on XXXX XXXX orders, a criminal stole my identity to open a XXXX account in XXXX TX, which then was left unpaid for the amount of {$740.00} and change. To make a long story short, it took me a month of staying awake in the middle of the night to contact the XXXX XXXX police department ( of which I was a resident before moving to XXXX XXXX, the XXXX police department, the three credit bureaus, and XXXX itself to follow up on my case. 
Eventually, the fraudulent charges were taken off my credit reports, and I was advised by XXXX and XXXX to activate a free service, which would allow me to lock and unlock my credit report at my convenience. When I contacted Experian regarding this service, they advised me that the very same service cost {$25.00} per month. After contacting them again today XX/XX/XXXX at XXXX XXXX XXXX, XXXX from the XXXX XXXX Department, reported Experian will not provide me access to this service for free, regardless of being an XXXX XXXX identity theft victim. She suggested I, instead, keep a freeze on my account, but that is not a feasible solution for me because I still want to have the ability to request credit at my convenience. Ultimately, as a " forced '' consumer, I would like to have the ability to provide access to my credit to whichever company I decide I want to share the information with, at my convenience, not Experian 's convenience, and it is ludicrous to me that I have to pay a {$25.00} to do so, especially when the other two bureaus offer this service for free. In addition, living overseas makes my attempts at monitoring my credit harder because of the differences in time zones XXXX XXXX to CONUS ), and being able to manage my own credit would provide me with some needed relief and peace of mind.

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 2023-10-02
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My student loan was forgiven in XXXX. XXXX report incorrect amount as forgiven, and stated they would send a correction letter. they never did that, but now account shows online as XXXX balance. No history is allowed to be accessed. XXXX promised to contact the credit reporting agencies to have the errors removed and report the XXXX balance as of XXXX, but there's no evidence they ever did, despite weekly phone calls and promised from them to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief