BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: LEXISNEXIS
State: FL
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:
Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! The reports are not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened a checking account in my name and I cant do anything about it because Bank of America wont let me talk to a live person unless I input the account number. I dont have the account number because I didnt open the account

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 2019-06-25
Company: CITIBANK, N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On all 3 of my credit reports I have an outstanding account that is negatively reporting information from Macy 's. I have contact Macy ; s about this account and they have indicated the account was sent to a collection agency but are unable to give me the information for said agency. When I asked for a balance and or offered to pay the account they said they can not take my money because I need to pay the agency but they have no information on the agency. I have been getting the run around for years. I have called and written several times and have even offered to pay whatever balance I have bit no one seems to be able to locate the account nor assist me in locating the account. I have every intention of making good on this debt but have been unsuccessful in doing so. Being that no one form Macy ' can help me and that there is nothing I can do I feel it is not fair that this keeps affecting my credit and I have no way of controlling it. I need you help in getting this off 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 2023-11-27
Company: EQUIFAX, INC.
State: MI
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:
I am writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my XXXX XXXX account with the account number XXXX. This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation. 
Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned XXXX XXXX account for the months of XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance : 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 2023-08-03
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX I requested redemption of my Bank of America reward points on my credit card with last 4 digits of XXXX I redeemed the points with XXXX Gift card in the amount of {$440.00} I received confirmation on XXXX online and stated i will receive my gift card in 2 weeks ( XX/XX/XXXX. I live in California. I received the card on or about XX/XX/XXXX. 
Months later, I wanted to give the card to my employee as a gift. I unmasked the Card code to find out the exact amount. I called XXXX. I was told that card 's balance was XXXX! It had been used on XX/XX/XXXX th by another person not my name on XX/XX/XXXX before i had even received the card. I was told they have seen this pattern with Bank of America issuance of gift cards. 
The only two people who would have access to the code of the physical card would be Bank of America employee who issued the XXXX gift card and me. Since the card was wiped out on XXXX before i received it, then it was obvious that Bank of America employee was the culprit. Bank of America needs to secure client confidential data and be held responsible for their lack of safety in securing client data and are at fault for all illegal activity their employee is imposing on unsuspecting clients. 
I discussed by case with Bank of America 4 times and received a letter stating that they will not issue my rewards back case # XXXX. No assurance was given that they would put policy and procedures in place to protect their customers. I am a Physician that works in the hospital working long hours and come home exhausted. To spend hours on the phone on my day off with Bank of America ( whom i have been a loyal customer since 2001 ) was just too much. 

They have breached their contract. They assured i would receive rewards, I signed up with them with that assurance. I spent money on their card, amassed rewards, ordered gift card only to have their employee steal my gift card number and buy merchandise on line.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-21
Company: FIRST PORTFOLIO SERVICING INC
State: MI
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:
Privacy Act of 1974 ( 5 U.S. Code 552a ) According to the record which means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual. 

No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to written request by, or with the prior written consent of, the individual to whom the record pertains. 

Charge off and Closed accounts are in violation of the fair credit Reporting Act and the Privacy Act of 1974. 
Furthermore I was not given notice to make the decision of opting out of the disclosure. 
Every company owes you a privacy notice before they furnish any information to the consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I AM OPTING OUT OF YOUR REPORTING SERVICES. '' Because of this violation and these consumers reporting Agencies have kept private information public. I have been affected. Systems have been breached and my Social Security number was stolen and other personal information like phone numbers, emails, passwords, is being used.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: U.S. BANCORP
State: FL
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:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND EXXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX  AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

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 2021-12-30
Company: EQUIFAX, INC.
State: OK
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am submitting this complaint against Portfolio Recovery Associates , LLC for fraudulent behavior and harassment towards a debt account on my credit report that does not belong to me. I have submitted multiple electronic disputes with all three credit bureaus, XXXX, XXXX, and XXXX against Portfolio Recovery Associates , LLC within the last couple of months. I am a victim of fraud and I have been harassed by Portfolio Recovery Associates , LLC. On XX/XX/ I contacted the Portfolio Recovery disputes department at XXXX. I spoke to the supervisor XXXX and he could not provide me any information or documentation on this account. He stated that all he has on this account is the transfer information from the bank. He asked me to provide my most recent home address and phone number. Since that day I have been harassed day and night by Portfolio Recovery Associates. I receive multiple calls and voicemails from this company every day. Since that day, I decided to take action and I filed the complaint with the Consumer Financial Protection Bureau on XX/XX/. After I disclosed my personal information to this company, they fraudulently added that information to the account and claimed they had taken all the proper steps, which is incorrect. Portfolio Recovery Associates fraudulently added the information that I disclosed over the phone on XX/XX/2023, and added it to this account. This company did not have any of my information prior the call on XX/XX/XXXX. Once I filed the complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX, Portfolio Recovery submitted copies of a letter dated XX/XX/2023 with my information. This clearly shows that the letter was sent after my complaint with the Consumer Financial Protection Bureau to protect themselves from any further actions. This company has lied and fraudedly claimed that they have had this information. This is unacceptable behavior from this company and I am a victim of fraud. I hope the Consumer Financial Protection Bureau takes this complaint seriously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2019-06-25
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is an account on my credit report and I have no knowledge of the debt. I have written to the company and have yet to receive a response. I have previously dealt with this agency on matters from my past and have even filed suit against them for violations of the TCPA by contacting me on my cell phone. This company does not seem to have proper policies and procedures in place when it comes to communication efforts made in attempts to collect on medical debt. The provider of services is wonderful, however, their choice in a vendor is definitely wrong. PMS does not represent the provider in a positive way and it is unfortunate. 

The otherissue is their failure to properly furnish my account number to the credit reporting agency, XXXX. When I review my report all I was able to see if X 's in the amount number so when I wrote to PMS I couldn't even properly reference the alleged account. Their furnishing practices are a joke.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am very disappointed on the development of how credit bureaus fix my credit report. It's as if nothing has changed..I know I don't deserve this erroneous information you are placing on my credit report..I have always been responsible with my payments, no late payments on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit 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:
On XX/XX/XXXX, multiple charges were attempted on my Barclaycard, several from merchant showing as XXXX. I was notified via text by the credit card company to call to confirm. I called in and advised an agent the charges were fraudulent. My card was closed, I was issued another one with a new number. The transactions never posted to my account. That is until XX/XX/XXXX, when I noticed that a charge from XXXX appeared on my acct for {$580.00}. I clicked on a button that said " dispute charge '' multiple times as there was no indication or confirmation that the claim was filed. The screen just returned to my account. I assumed I would receive notification that the claim was filed in the mail. 

Today, XX/XX/XXXX, I received a letter stating that a provisional credit had been placed on my acct previously for the full disputed amount for the transaction. It also stated the transaction was deemed valid based on merchant information provided and the provisional credit was removed. 

1. This is not an authorized charge. I have never made a purchase with XXXX. Multiple charges of varying amounts were attempted by XXXX on XXXX, all of which were disputed when called in. According to an agent I just spoke with, the others were " approved '' as valid claims, the one listed above was not. 

2. I was never provided a provisional credit, although the letter says I did and that it was reversed. I was never charged on XXXX, or on any subsequent date until XX/XX/XXXX for the {$580.00} purchase. When I asked the agent why I received an inaccurate letter, she stated that it was a general letter that applies to " most claims '' but acknowledged that it did not apply to my claim, as I was never provided a provisional credit nor did the transaction post. 

I've asked to receive the merchant documentation and to have the claim reviewed again. I'm currently pending the results of both requests.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: VA
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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