BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: FL
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXXXX/XX/XXXXXXXX, XXXX XXXX **** Balance Owed : {$4600.00} XX/XX/1121 Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}XX/XX/XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXX/XX/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have called the company time and time again over the past years to get this account fixed. I have paid both account in full within the time frame they initially told me I could without any negative backlash as I was in a bad financial situation at the time of the accounts being open and active. They proceeded to still charge off the accounts and take full payment from me. I feel as if this is just how they had planned to hurt me in a personal way because I could not make my payments on time due to my situation at the time.I have been fighting to have these account fixed on my consumer reports for years to no avail. I recently learned about the CFPB as I'm working to get my credit reports fixed to be able to buy a home soon in the future. The account numbers are as follows XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX Below I will also include screen shots from my credit reports showing the account information in more detail.

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 2021-04-01
Company: Source Receivables Management LLC
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: Account information incorrect

Complaint:
On the XXXX of XXXX, XXXX I bought a phone and a line from XXXX XXXX, the term of purchase was that I can return the phone within 30 days. The nature of my job is delivery of goods and services and one major reason I bought the phone was ro help me navigate the road with the GPS but this phone was a total failure and disappointment as it could not perform my intended need. 
I returned the phone on XX/XX/XXXX which was within the 30 days of agreement and i paid the return fee of {$45.00} and i have the receipt with me and this was settled but this XX/XX/XXXX, I got a call from Source RM alleging that I am owing XXXX XXXX on the same phone that I have returned and paid return fee on. 
I had called XXXX XXXX about this and was told that i have returned the phone and that i do not owe any money. 
Please Source RM has reported me to the Credit bureau and this has destroyed my credit rating and i am going through a lot of untold inconveniences from Source RM. Please help me as i have all hardcopy and soft copy receipts. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
AGAIN XX/XX/20 EXPERIAN IS NOT INVESTIGATING MY ISSUE THEY ARE CLOSING OUT MY COMPLAINTS IN ONE DAY OF RECEIVING IT STATING IT IS NOT ME XXXX XXXX FILING THESE COMPLAINTS! I WANT THIS MATTER FIXED ASAP! I HAVE SUBMITTED MY POLICE AND IDENTITY THIEF REPORT TO EXPERIAN CONCERING TWO ACCOUNTS WITH XXXX  XXXX  XXXX  XXXX  AND XXXX  XXXX  SOMEONE OPEN THESE ACCOUNTS IN MY NAME WHICH ARE APPEARING ON MY CREDIT REPORT THE REP STATED THEY RECEIVED AN APPLICATION IN MY NAME WHICH IS FRAUDULENT EXPERIAN IS TELLING ME I OPEN THE ACCOUNT IN WHICH I DID NOT MY IDENTITY WAS STOLEN. THEY REMOVED AN DELETED THIS ACCOUNT FROM MY REPORT AN IT REAPPEARED ON XX/XX/XXXX THE COMPANY SUPPLIED FRAUDULENT DOCUMENTS. EXPERIAN IS NOT THE POLICE OR FTC WHOM HAS INVESTIGATED AN DETERMINED I AM NOT LIABLE AN I AM A VICTIM OF IDENTITY THIEF!

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 2021-11-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Have sent me demanding letters saying a debt is owed. Information that they are reporting wasnt validated and when asked to validated provided same exact response to the validation. This company is reporting false information and degrading my credit. 
PORTFOLIO RECOVERY A Last reported XX/XX/XXXX {$3000.00} Open balance XXXX XXXX XXXX  XXXX XXXX A Original creditor XXXX  Opened XX/XX/XXXX ( 3 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes after resolution Collection account Original creditor name XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: TN
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:
My information has been taken and used several times to get different accounts. I have reported this. I have an police report and a federal trade commissioner report as well. The credit bureau yet still reports inaccurate information on my file with no urgency to remove. This has effected me very bad because I cant even use my own credit effectively I pay all my bills on time and struggled to maintain a good credit to my credit being destroyed by someone else. The bureaus be no help to people effect by identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Problem with personal statement of dispute

Complaint:
Last week when applying for a home loan, I was asked about a closed XXXX XXXX account with a balance of {$980.00}. My XXXX XXXX account has a balance of about {$400.00}, so I was confused and called synchrony bank to have the problem resolved. Synchrony bank used my social security number ( SSN ) to try to identify the account and said they could not find it. I then had them look under my husbands SSN, and they said they could see the account, and that he had paid off/closed it. They would not send me any information on the account because they said my SSN was not associated with it, and that I wasnt even an authorized user. So I asked if they could notify the credit bureaus to have it removed. After ending the call, I also filed a dispute on the account with TransUnion and XXXX. A few days later, my husband received a letter from XXXX XXXX saying they had updated the account and alerted the credit bureaus on his behalf. 
Today, I received notification from TransUnion that they had finished the investigation on my dispute, and that XXXX bank had found the information on my credit report to be accurate. So I called XXXX XXXX to figure out what happened, and this time they were able to find an account with my social for the exact same amount. When I tried asking how no one could find the account last week and asked for someone to pull up the recorded call, I was hung up on. This account was apparently closed in XXXX, and XXXX has continued to report it as 90+ days late for the past 4 years.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: NY
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-01-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXX Portfolio Recovery Associates purchased my private information from XXXX XXXX Bank XXXX Portfolio Recovery is allegedly claiming that I owe them {$1500.00}. I do not owe this company nor do I have a contract with them for anything. Both Portfolio Recovery and XXXX XXXX Bank are in violation of consumer code 18 usc 1028a aggravated identity theft and 15 usc 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THIS COMPANY IS XXXX  AND XXXX!!! ... .I HAVE JUST RECENTLY TRIED TO GET INFORMATION ABOUT WHAT I " ACTUALLY '' OWE SO I CAN PAY. I CALLED EVERGREEN XXXX LOCATED IN XXXX WASHINGTON ON XX/XX/2019 AND SPOKE TO A REPRESENTATIVE AND TOLD THEM I WANT TO PAY WHAT I OWE BUT I WOULD LIKE A " FULL '' PRINT OUT/COPY " FROM THE HOSPITAL '' OF ALL THE SERVICES THEY SAY I RECEIVED WITH AN AMOUNT BREAK DOWN!! AND GAVE THEM MY ADDRESS TO FORWARD THE DOCUMENTS/BILL TO. I HAVE NEVER RECEIVED ANYTHING!!! I'VE BEEN WAITING OVER A MONTH NOW! YET SOME HOW THEY RENEWED THE AMOUNTS " THEY '' SAY I OWE ON MY CREDIT REPORT!! THIS IS AGAINST THE LAW!! THEY CANT KEEP ADDING IT EVERY MONTH SO MANY TIMES!! THEY KEEP DOING THIS! THEY MUS STOP!! OR I WILL TAKE THEM TO COURT THIS TIME FOR HARASSMENT!!! THIS COMPANY IS AWARE THAT THEY ARE DOING ILLEGAL ACTIVITY BY CONTINUALLY PUTTING THIS ON MY CREST REPORT AND STATING THAT IT IT NEW!! IT IS NOT!!!! EVERGREEN XXXX IS CONSTANTLY VIOLATING THE FDPCA ACT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
on XXXX i submitted through register mail my FTC Identity Theft report along with a cover letter, 609 B letter, copy of my driver licensee explain that the hard inquires and 4 closed and open accounts were not mine. i mentioned that i was a victim of identity theft and they just keep ignoring my disputes and documents. i called all 3 credit agencies and they mentioned that they did not received it. i have the copies of the registration mail and i tracked it where i know they received the complete package for these disputes. 

please i was reading that you guys the CFPB can help me and hopefully all 3 bureaus can finally get these fraudulent accounts deleted on XXXX i submitted online the same information and uploaded all the same documents. they said they never received it please i need some help ASAP i'm closing on my home

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 2022-12-19
Company: Experian Information Solutions Inc.
State: NY
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:
My credit report stipulates that the credit card company noted my credit card was over the limit by {$38.00}. First off, no transaction should go through if I had a limit ; that's on them! Secondary, they reported this 3 weeks before the next billing statement oppose to contacting me or cancelling the actual transaction. I've had this card for nearly 12 years, never late and they contacted the credit reporting agency prior to the due date of the next statement. I am outraged! This is not the first credit card to do this and it won't be the last because any credit card company will continue to do the same after viewing my credit report. Furthermore, I know the credit cards have increased their interest charges and this notation on my credit report will only lead to the other companies raising my interest rates, denying me any future credit cards as well as lowering my credit score. I've had XXXX lower my XXXX XXXX dollar credit limit to {$2200.00} and they imposed 2 separate interest rate fees for the same balance on the billing statement while raising my interest from XXXX to XXXX percent. I received no notice whatsoever and while demanding that they forward the statements to me, it took 8 months to do so when I told them I would contact you. They did this in a sneaky way considering everyone has gone paperless in todays world. I have never been late with any of my credit card companies, I have a great standing on my report with all credit card companies being paid on time, never late and they had the audacity to imposed limitations on me and try to destroy my credit. Because of this nonsense I am now a target for anyone who reviews my credit report. It will become discriminatory! They have scarred my name and any time I will need to apply for any card or loan I will be the subject of a review. 
This needs to be resolved immediately because I am not the only one going through this. I've had 2 other credit card companies lower my credit limit while raising my interest rates and imposing a " over the credit limit on my report '' without having any knowledge of such. I wasn't informed! This is an obstruction of Justice and they should be reprimanded and fined. They are all following the same pattern because they are getting away with 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 2023-09-22
Company: Experian Information Solutions Inc.
State: LA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance XXXX {$810.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX  Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$810.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX . Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: GA
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 filed a XXXX XXXX XXXX petition on XX/XX/2023. The XXXX account is part of my XXXX XXXX XXXX. This company keeps reporting inaccurate information of late payments to my Experian credit bureau from XXXX, XXXX. The XXXX  was XXXX in XX/XX/2023. I have produced the XXXX  XXXX information and Recission document which shows XXXX is included in the XXXX. The late payments should be removed, and it showed show on my end XXXX  XXXX. The Experian rep said he could see from his end that the file does indicate a XXXX  XXXX XXXX  for this account. However, when I pull the report it shows with past due payments from XXXX until current with a balance owing. I have tried several attempts in speaking with XXXX collections and XXXX  department with no success. The other XXXX reports are updated according at XXXX and 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 2023-12-07
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving repeated and unwanted telephone calls from representatives of Synchrony BankXXXX regarding an account that I have never owned or been associated with. These calls have become a source of harassment and inconvenience, and I am not the debtor in question.

Company response to consumer: In progress
Consumer complaint received 2021-11-07
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I run an XXXX XXXX XXXX that requires heavy capital and constant rotation of money. My bank, citibank, closed my account without any notice at all, and when i tried to contact people in person at my local branch, they said that i had to contact the fraud department. Whenever, i ask them for a time span of when i am most likely to receive my funds, they say 30-60 DAYS, which is an insane amount of time, that XXXX is stuck inside my account, that cant be touched by me. They are unwilling to help me in anyway and are very disrespectful and vague in their answers. When I call the fraud department of citibank, they say that i just need to wait for the letter, which again, can arrive within 30-60 days. I will never do business with this bank again, i just want my money. Not only, am i ruining my own credibility from my suppliers in my business because of bounced checks and wires. Not only has this incident damaged my own personal savings and ability to generate money, but also my credibility as a well established business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In XXXX of 2011, I filed for a chapter XXXX bankruptcy protection. Included in the bankruptcy was an account from a dental office. The office notified me of the unpaid account and I told them that I had unfortunately filed for a chapter XXXX bankruptcy protection and that the account was included. They ended up selling the account to a collection agency. I told the agency that the account was included in a bankruptcy protection. 

I have been trying to dispute it with all three credit bureaus since the inception of the bankruptcy but they keep telling me that the account was accurately reported on my credit. 

The account is now past the statute of limitations, ( four years ) according to the California law. I asked the credit bureaus to remove the account as it is too old to be on my credit file, they did not. Instead, they allowed the collection agency to continue reporting old outdated and bankrupt account to continue causing damages to my credit.

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 2021-11-07
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Negatively reporting unfair and information that isnt validated. I have personally asked this company to validate information 5 times and they will not validate anything on the account. 
LVNV FUNDING LLC Last reported XX/XX/XXXX {$640.00} Open balance XXXX  XXXX XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 4 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation