BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: UT
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 XXXX credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
Hello This is a formal complaint that inaccurate credit information is being reported. I am very distressed that the information in my credit profile is damaging my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a loan which was highly embarrassing and has negatively impacted my lifestyle. optional In accordance with 15 U.S. Code 1681b, 15 U.S. Code 1681c, and 15 U.S. Code 1681c2 along with the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed ASAP. The following information, therefore, needs to be verified and deleted from the report as soon as possible : PORTFOLIO RECOVERY A {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Credit Systems International, 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:
I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet. I never had this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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: Investigation took more than 30 days

Complaint:
I have been disputing erroneous items in my credit for quite some time and I have not received any response from the bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Per last report to Equifax on XX/XX/XXXX XXXX XXXX opened XXXX XXXX. 
Per Equifax report last payment made on XX/XX/XXXX. 
Per Equifax report shows balance of {$2500.00}. 

I have continuously been disputing XXXX XXXX opened XXXX XXXX however, have not received original contract with my signature. I need to obtain verification from XXXX XXXX verifying the debt belongs to be with proof of contact. 

*On XX/XX/XXXX XXXX XXXX telephone service was open in my name that was approved by me and I had no issues obtaining services. 

Thank you for your prompt response. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX my wife and I filed for bankruptcy. Navient was collecting your discharged debt during the entire time we were in bankruptcy. We were successfully discharged from bankruptcy in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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:
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 bureausmust 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 removal of the following erroneous information 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: NAVY FEDERAL CREDIT UNION
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I was contacted by XXXX offering a job for XXXX XXXX with data collection. On XX/XX/2022 I received an atm check for purchasing supplies and sending money to suppliers, then on XXXX XXXX I deposited the check and the funds were available in my Navy Federal accounting XXXX XXXX. I was then asked to send 3 XXXX transactions of {$200.00}, {$450.00}, and {$550.00}. I am now aware that i might have been used in a fraud scam and the check deposited into my account might not even be real and the funds not actually in my account. Navy federal is a good bank but approved my check and now froze all of my assets due to a potential scam. I do see how I might have been gullible for accepting this job and not looking more into it but I firgued it is 2022 and remote work is so common and a check was sent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX Balance {$770.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX XXXX Balance : {$2400.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX Balance : {$5100.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX Balance : {$1900.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX XXXX Balance : {$11000.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: CITIBANK, N.A.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As of XX/XX/2020, I was laid off from my job and salary due to the lockdown caused by Covid-19, being unable to assume my financial responsibilities. I proceed to call the creditors looking for alternatives such as payment arrears and they all offered me moratoriums and alternatives in payments with the exception of Best Buy ( Citibank ) which indicated that due to the account in arrears, I did not qualify for alternatives or any other assistance and to make the payments while he could. In XXXX 2020, I received a letter from XXXX XXXX XXXX XXXX ( XXXX ) collecting the total debt of {$2500.00} from Best Buy. I proceed to call Best Buy and Mr. XXXX attends me indicating that the account is Charge Off and that he had to manage the pending payment with the XXXX XXXX company. I proceeded to call XXXX XXXX and they tell me that if I paid the amount of {$1300.00} at the moment the account would be settled and resolved. We proceeded with the payment at the time for the indicated amount of {$1300.00} after one week I received the letter of agreement indicating that the balance was canceled. I made a claim to Best Buy on XX/XX/2020 and they only credited the amount of {$1300.00} leaving the account with an outstanding balance, when the letter indicates that the account was resolved and settled.

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 2021-01-20
Company: ERC
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:
The Company named ERC Enhanced Recovery Company also known as Enhanced Resource Centers sent me a bill of {$220.00} for an account they claimed I owed to XXXX in 2011! They record the call and force you to agree with them about the addresses they have on file in order for them to continue with the call, but then turn around as use your recorded voice as if fraudulently you agree that you owe the debt. I AM NOT DELINQUENT WITH ANYONE. You can not speculate or falsely claim I owe a debt as well and falsely report this debt as current from more than 10 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Bread Financial Holdings, Inc.
State: OR
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 signed up for automatic payments a few times and for some reason they are stopped. I do not stop them myself and my account has plenty of money to go through. I currently tried to refinance my home and my financer told me that my score was low due to the fact that I have all of these late payment records on my report. When I went online to see where my status was at because I go Paperless for my statements it told me I had a {$10.00} minimum to pay to be caught up. The financer could see my account and told me that I also had an additional {$25.00} for that payment to make. No where did Victorias Secret tell me I had all of these extra fees to pay so I continuously have been behind and they have been reporting it to the credit bureau which has made my score lower. I made the appropriate amount today and they said I am up-to-date and will no longer receive late fees or late reports on my credit however they refused to take off all of the late charges or late reporting to my credit. I do not feel that this is my fault as I signed up for automatic payments and on my end did everything correct to pay and I was never notified that I was behind or late it wasnt until my creditor told me what was affecting my score. I also feel it isnt right that they arent truly telling me the required amount to be caught up which makes me continuously behind. They are unwilling to delete or remove the late reportings. I would like to fight that and get those late recordings taken off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: National Credit Adjusters, LLC
State: DE
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for PMI removal at the end of XX/XX/XXXX with Santander. They cashed the check for an appraisal on XX/XX/XXXX. They put the funds in the wrong account and did not order appraisal until I called to understand delay. They then realized the funds went in the wrong account and fixed it with another delay to move funds. Finally on XX/XX/XXXX they ordered the appraisal. Again I did not hear until I received a letter from the appraiser that they could not contact me, the phone number they were given in the letter was incorrect. I called the appraiser first thing Monday since I received that letter on a Saturday. He informed me they canceled the appraisal due to length of time. I then made multiple calls to the customer service line and several trips to one of their branches always assured they saw all of this interaction and would reinitiate the appraisal and PMI application for removal. I'm still waiting for any response from the bank 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 2021-10-28
Company: PNC Bank N.A.
State: DC
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:
I WENT TO PNC BANK LOCATED ON XXXX XXXX XXXX BECAUSE SOMEONE WITHDREW {$190.00} OUT OF MY BANK ACCOUNT I DID NOT AUTHORIZE IN AUGUST 0F 2021. I DEPOSITED THIS MONEY IN XX/XX/2021. THE BANK MANAGER WAS TO CALL XXXX AND EMAIL THE COMPANY REGARDING THIS TRANSACTION. A PROVISIONAL DEPOSIT WAS GIVEN TO ME. IT HAPPENED AGAIN, I WENT TO THE BANK THREE WEEKS AGO AND THE MANAGER SAID HE WOULD LOOK INTO THIS AND GIVE ME A CALL, I HAVE NOT RECEIVED A CALL. 
I WENT TO XXXX TWICE AND WAS TOLD THEY DID NOT TAKE THE MONEY OUT OF MY ACCOUNT. THE GENERAL MANAGER AT XXXX CONFIRMED THEY DID NOT TAKE THE PAYMENT OF {$190.00}. I WANT PROOF XXXX GOT MY MONEY. I WANT PROOF WHERE MY MONEY WENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On approximately Saturday, XX/XX/XXXX I reviewed my XXXX credit report. Upon reviewing examining the file in further detail I noticed that an old credit card account from " Citicards CBNA '' was still reporting as a " current account '' despite being closed nearly three years ago. On my credit report, under " Payment History '', XXXX XXXX 's comments indicate this account was closed in XX/XX/XXXX ( a comment of XXXX is noted ). I disputed the status of this account with XXXX on approximately Sunday, XX/XX/XXXX. XXXX responded saying that they verified the account status as accurate based on information provided by the creditor ( despite my credit report from the other two reporting bureaus showing this account as closed ). I am therefore submitting this complaint against Citibank since they have submitted inaccurate information regarding my closed credit card account to XXXX XXXX. I have attached a copy of my XXXX XXXX credit report for documentation.

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 2022-10-12
Company: Experian Information Solutions 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. 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 : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX University : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2021-01-21
Company: Collection Service of Nevada
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was disputing this information on my credit report demanding these items be removed from my credit report.as I have done my research on the laws I feel these companies have violated my rights as consumer. And have not provided and proven information that the alleged debt is mine. Ive never done business with these companies or have I agreed to pay them anything Ive never done business with them. I want to state a few of the violationsu that have been committed by these companies XXXX. Harassment or abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received the attached letter which again makes no sense whatsoever. I see this account is still not handled. I have gone round and round with you for years on this account and this is very wrong. 
I still have the original letter you sent advising you researched this account and found it does not belong to me and now you are changing your mind again? This has gone back and forth so many times. 


We never authorized the payments from an account ending in XXXX and the account was made and accessed by the person who opened and accessed this account. The hospital and doctor records we sent you confirmed we had no way to open an account in XX/XX/2020 as we were incapacitated and hospitalized for the entire period of XXXX  XXXX XXXX 

You are harassing and violating many laws and regulations against a XXXX military family. This is very wrong and the effort you put into helping me is awful. 

I have tried time and time again to get help from your offices. 

XXXX and XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX XXXX has sent my private payment information to the credit bureaus with out my consent violating my privacy rights as a consumer. It states in the 15USC 1681 ( a ) ( 4 ) and ( b ) that consumer reporting agencies should exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, ( b ) and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. The credit bureaus should not be allowed to add my private payment information to any report sent by a creditor who is also violating my privacy rights by sharing my information without my consent. Therefore I demand that this account be removed immediately from my credit report.

Company response to consumer: Closed with explanation