BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: CA
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:
Hello my name is XXXX XXXX, and this complaint isn't under any influence of anyone else and this is not a third party. I have been disputing an incorrectly reporting account on my Equifax report, as well as unknown inquiries on my Equifax and XXXX reports. This derogatory account is not on my XXXX or XXXX reports. I am trying to start a business and in order to get funding I want to make sure my credit is being ACCURATELY REPORTED. I have disputed this account and inquiries MULTIPLE TIMES with no fix. I tried calling on the phone but was met with a foreign representative in the fraud department. I asked to speak to an American representative but was put on hold for HOURS. Something is wrong with these bureaus. I do not understand why they are abusing consumers XXXXThey kept lying telling me they disputed it and its not reporting but it kept reporting this inaccurate information without my authorization. They refused or were unable to verify and remove the inquiries and it's been XXXX  days and they record the calls and admitted they had my police report and FTC and affidavit. That was after attempting to contact XXXX more than XXXX times. These companies are supposed to be protecting consumers. They need to be corrected and I wish they would listen. they are causing me severe XXXX and stopping me from getting funding for my business which is horribly stressful PLEASE HELP I'm extremely frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. My correct name is XXXX XXXX but XXXX are reporting it as a XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX. 
Also my current address is XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX, But bureau reported that I have many addresses like XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This account is past the statue of limitations in my state of XXXX  where the initial contract was signed. Also this company is reporting as a brand new opened account with a different date than when the account was opened

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions 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:
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 Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance {$64.00} ; XXXX XXXX XXXX XXXX Balance {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: CAINE & WEINER COMPANY, INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001.

Further these misstatements are punishable as perjury under 18 U.S.C. 1621.

This item found within my credit report is not related to any transaction that I have made. I am alleging that a person or company-without my authorization used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and is defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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  Account # XXXX  XXXX and XXXX XXXX from 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 explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2019-09-17
Company: BB&T CORPORATION
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: Account information incorrect

Complaint:
Dear Consumer Financial Protection Bureau, CFPB : 1. BB & T OWES ME {$1800.00}, ALL BB & T ACCOUNTS CLOSED WITH {$0.00} ( XXXX ) BALANCE. I DO NOT OWE BB & T AND BB & T TRIED TO EMBEZZLE ( STEAL ) {$720.00}. BB & T BANK IS SENDING HARASSING LETTERS TO MY HOME ADDRESS AFTER I HAVE INSTRUCT THEIR XXXX COMPLIANCE GROUP MANAGER VICE PRESIDENT, XXXX XXXX AND SPECIFIC OTHERS TO NOT CONTACT ME. MR. XXXX XXXX XXXX CAN CONTACT ME AND ONLY THROUGH CFPB BUREAU. 2.  XXXX  XXXX XXXX, XXXX, IS FALSELY REPORTING I OWE THEM {$2000.00} WHEN I DO NOT. I DEPOSITED A VALID CASHIERS CHECK IN THE AMOUNT OF {$690.00}, AND I WITHDREW AND MADE PAYMENTS TOTALLING {$690.00}. I DO NOT OWE THEM. ALL XXXX XXXX XXXX, XXXX, NEED TO REFLECT {$0.00} ( XXXX BALANCE ), ALL ACCOUNTS CLOSED. 3. XXXX XXXX IS FALSELY REPORTING I OWE THEM {$34.00}. I DO NOT OWE XXXX. I MADE A DEPOSIT OF A VALID CASHIERS CHECK IN THE AMOUNT OF {$34.00}. XXXX IS REFUSING TO CLOSE MY XXXX  ACCOUNT THAT I TOLD THEIR XXXX I DO NOT NEED NOR WANT. Dear bb & t bank XXXX Mr. XXXX XXXX XXXX : Please do not have your employee, compliance group manager vice president, XXXX XXXX contact me again. I received a third letter from her after requesting she stop contacting me including communication through the consumer financial protection bureau, CFPB. Mr. XXXX, your employees tried to embezzle VALID CASHIERS CHECKS FROM ME TOTALING {$720.00}. THEY GRAVELY INCONVENIENCED ME ( REALLY AN UNDERSTATMENT ) AND CAUSED ME MUCH GRIEF AND HARM. EFFECTIVE IMMEDIATELY : XXXX XXXX IS TO CEASE AND DESIST WITH ANY FURTHER COMMUNICATION INCLUDING BET NOT LIMITED TO MAIL, LETTERS, EMAIL, FAX, PHONE, CFPB PORTAL, ETC. ). HER CORRESPONDENCE IS HARASSING AND ANNOYING. DEMAND : BB & T NEEDS TO PAY ME {$1800.00}. I ATTEST, AFFIRM, AND CERTIFY THE STATEMENT AND INFORMATION IS VERY ACCURATE, VERY TRUTHFUL. Sincerely and Respectfully, XXXX XXXX XXXX  XXXX : XXXX Email : 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 2023-11-02
Company: EQUIFAX, INC.
State: NC
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
It appears that bankruptcy XXXX  XXXX is incomplete and inaccurate on my credit report remain a faurd which close as order by the judge XXXX XXXX stated that XX/XX/2019 bankruptcy have been closed due to non verify information on credit report, so she submitted the documents to XXXX fail to respond. Also department of XXXX submitted that XXXX accounts with XXXX balance and it's been XXXX completely off my credit report. I am requesting a investigation under the FCRA to removal of theses items of my credit report.

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 2022-12-27
Company: EQUIFAX, INC.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. 

This item/account is unknown to me. Also, the information you provided on some item is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some item is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2008 Balance : {$20000.00}

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 non-monetary relief
Consumer complaint received 2020-12-17
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019 and XX/XX/2019, JPMCB CARD SERVICES add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: BARCLAYS BANK DELAWARE
State: NY
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 Navyist Rewards Credit Card is issued by Barclays Bank Delaware, Account ending in XXXX, this creditor has violated my rights. Under 15 USC 1681 Section 602 states : I have the right to privacy, under 15 USC 1681 Section 604A section 2 : it also sates a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

*************************************************************************************************** In accordance with the fair credit reporting act, The Navyist Rewards Credit Card is issued by Barclays Bank Delaware, Account ending in XXXX, this creditor has violated my rights. Under 15 USC 1681 Section 602 states : I have the right to privacy, under 15 USC 1681 Section 604A section 2 : it also sates a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Barclays Bank Delaware, XXXXXXXX XXXX XXXX XXXXXXXX, DE 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 2023-02-02
Company: TRUIST FINANCIAL CORPORATION
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: Personal information incorrect

Complaint:
I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companies updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. I have sent this complaint to 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 2023-08-07
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is a yearly problem with Kohls and their store credit card bank. 
Simply put Every year they send me massive amounts of e-mails trying to get me to go paperless and to increase my limits. Almost, if not to the point of stocking or harassments. And I've been a customer for more than a decade. 
As far as I can remember I have never been late with a payment. 
But still every year in XXXX or around this time they always loose or claim that my payment was never received. And usually being strong-armed into paying the fees and having my interest jacked up, the payment magically shows up as cashed by my bank, and them taking even more money. The is this years XXXX billing occurrence. Please see my attachments ; which show my bank register payments and the corp. letter I sent. and the Kohl 's 30 day to respond letter ; which, they do NOT abide by and had already charged the fees and interest hike XXXX  days after they mailed the letter. 
Thank you

Company response to consumer: Closed with monetary relief