BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: TX
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 XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-31
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 

XXXX XXXX ( XXXX ) XXXX Collection XXXX XXXX Collection account. {$3000.00} past due as of XX/XX/XXXX. 
( XXXX ) XXXX Public Record XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine

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 2020-12-30
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
on XX/XX/2020 I received an unemployment card at my home address. 
This card does not belong to myself or anyone in my household. I reached out to US Bank as that is who this reliacard is through, the person that I spoke with at US bank told me that this was a big scam that was going on with the unemployment cards right now.

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 2023-05-04
Company: DISCOVER BANK
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased XXXX XXXX XXXX in the Fiscal Year XXXX using my Discover Credit Card that expired XX/XX/XXXX. XXXX sent me numerous reminders that the card needed to be updated for renewal to continue the agreement for the software. 

However, I chose not to renew the agreement. I have never purchased any software directly from XXXX other resources have been utilized. 

On XX/XX/XXXX I received an alert text notification from Discover that {$99.00} had been deducted for XXXX XXXX. A telephone call was placed to Discover to inquire about the transaction. 

The Discover representative requested that I contact XXXX concerning the issue. During my conversation with Discover I question as to why I was billed on XX/XX/XXXX although the card date on file for XXXX expired XX/XX/XXXX. 

To avoid any late charge fees for any pending disputes payments are rendered timely. On XX/XX/XXXX the Discover outstanding balance was paid in full. 

A Discover notification informed me on XX/XX/XXXX that I have an outstanding balance of {$55.00} although the full balance was paid on XX/XX/XXXX. 

Again, I called Discover fully explained that the full balance had been paid. The representative stated that the issue was concerning the XXXX XXXX. 

I stated that they illegally allowed the transaction of {$99.00} because the card XXXX had on file expired XX/XX/XXXX and I had never updated the information to continue with the renewal. 

The representative justified the XXXX deduction until I informed her to research her files to see the expiration date of XX/XX/XXXX. However, she refused to correct the balance of {$55.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I was going over my credit file and I just notice that there are over 20 inquires on my credit report. I did have a few new credit cards and they are fine. However, I never applied for any loans or business apps for the following companies : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, I do not have any accounts or any dealings with these companies please delete them at once. 
Fair Credit Reporting Act - Fair Credit Reporting Act ... 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] .Sec . 604. Permissible purposes of consumer reports Please send me any copies of my signature or something showing that I had submitted app because this is an obvious error.

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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
Company: Paypal Holdings, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This is a debt from Paypal that was sold to XXXX XXXX XXXX account number XXXX. I should in fact be filing multiple claims against them. A company claiming to be a debt collector but was Paypal asked me over the phone if I wanted to make payments to this account to bring it to XXXX. I explained that I didn't authorize, sign, or provide authorization for this account to be charged after it had been charge {$100.00} twice, overdrawing my Venmo debit card ( a subsidiarie of PayPal ) that no company had the right to withdrawrl one cent. They did and it overdrew my account so I had to call in to have the money returned which it was three weeks later. Three weeks later they reverse their decision without any notification causing that account to be overdrawn again and more fines to mibe incurred. When I called to see why they 6 weeks later decided that the charges were legit and to charge my account twice once again, this appears to show itself as just fraud and not is with a real debt collector. I kindly ask they go back to be original decision reimburse me for the {$200.00} in unauthorized charges and the additional funds returned be returned immediately, you can XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: FirstPoint Collection Resources
State: NC
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:
XX/XX/2019 ( 2 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Original creditor name XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This particular collection has been on my report since XX/XX/XXXX. According to the statute of limitations, a collection can only be on your report XXXX XXXX XXXX XXXX XXXX from when it became past due. NCA purchased this debt in XXXX and it is still on my credit report, also they are still updating when it should be coming off. this year XX/XX/XXXX is when it should have came off. 
I am requesting for this account to be removed completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: IL
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 have been notified that these accounts have been verified accounts on my credit report. Despite my initial dispute, the items listed below remain on my credit report, negatively impacting my creditworthiness : * XXXX XXXX XXXX XXXXXXXX, Balance : {$1000.00}, Opened : XX/XX/XXXX * XXXX XXXX  - XXXX, Balance : {$620.00}, Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$1700.00}, Opened : XX/XX/XXXX These accounts were previously disputed based on my belief that they contain inaccuracies, and despite the guidelines outlined in the Fair Credit Reporting Act ( FCRA ), you have failed to adhere to the regulations. According to the FCRA, it is mandatory for credit reporting agencies to provide consumers with a fair and accurate summary of their credit history. 
Upon reviewing my credit report, it has become evident that the continued presence of these accounts is not only damaging my credit score but is also in violation of the following sections of the FCRA : * Section 611 - Procedure in case of disputed accuracy * Section 623 - Responsibilities of furnishers of information to consumer reporting agencies I demand that Experian/TransUnion immediately remove the aforementioned collection accounts from my credit report, as they have failed to provide evidence of the accuracy of these items within the required time frame, thereby violating my rights under the FCRA. Additionally, I request that you provide written documentation of the removal of these accounts from my credit report within thirty ( 30 ) days of the receipt of this letter.

If you fail to comply with my request, I will have no choice but to seek legal counsel and file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) as well as pursue further legal actions in accordance with the FCRA and other applicable laws.

Please provide a written confirmation of the receipt of this letter and the subsequent actions taken at your earliest convenience.

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 2023-07-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to formally dispute certain information contained in my consumer credit report. These items are incorrect and do not reflect accurate information regarding my credit history. 

-- -- -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 -- -- -Equifax -- -- - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I obtained my XXXX/Equifax/XXXX credit report online . There was a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The Bankruptcy Courts have given me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U. S. Bankruptcy Courts confirmed XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
I got XXXX dollars of gas this morning. XXXX  put a {$40.00} hold on my account. They have done this before. I asked them to release it ; they have released it before. Today they told me the previous releases were a courtesy ( never told that previously ) and they would not release the fees today. They told me the fees would release on the XXXX, five days from now. I am a XXXX  and I can not afford to loan a large company {$30.00} for five days. I only got 3 gallons of gas because I have a bill that I need to pay today and I needed that money to pay the bill. I am confident that this practice is unnecessary. Why? Because I have used this prepaid card before at times when I only had {$5.00} to {$10.00} on this card. At those times, at the same gas station, the pump has stopped working when I get to the exact XXXX balance of this XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Experian Information Solutions Inc.
State: NC
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 have sent in proof multiple times proving I do not nor have not lived at the XXXX XXXX address associated with this account. This account has been removed then placed back only my credit multiple times and I would like to see it removed permanently with the ability to be added back removed as well. There is an address and derogatory closed account attached to this complaint that I would like resolved.

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 2023-09-25
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:
Despite multiple written requests, the unverified account listed below continues to report on my file. The late payment is inaccurate, the payment was made on time. Please update the late payment markings to show the correct payment history. Update the account below : 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 2023-05-23
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems continues to unlawfully collect on a debt that is not owed and belongs to a deceased Veteran. The Department of Veterans Affairs has barred the collection of this frivolous debt. This money is a security bond that is owed to the estates heirs of the Veteran descendant by the leasing company that contracted national credit systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: LFG Data Services Holdings, LP
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

the Fair Credit Reporting Act ( FCRA ) is codified at 15 U.S.C. 1681 et seq.

Section 1681e of the FCRA sets forth the requirements for accuracy in credit reporting, and includes provisions related to the reporting of bankruptcies. Specifically, subsection ( b ) of Section 1681e states that a credit reporting agency may not furnish a consumer report containing information on a bankruptcy case that is more than 10 years old.

Additionally, Section 1681i of the FCRA provides consumers with the right to dispute inaccurate information in their credit reports, including information related to bankruptcies. The credit reporting agency is required to investigate and correct any inaccuracies found during the dispute process.

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: PA
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:
XXXX case response this company is reporting inaccurate info on my credit profile that needs to be updated and removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I paid off my XXXX Mortgage Account XXXX. XXXX in XX/XX/2018. XXXX is still reporting that I owe money on this account to EXPERIAN and XXXX. By incorrectly reporting this amount to EXPERIAN and XXXX, XXXX is driving down my credit score with EXPERIAN and XXXX. Could CPFB please get XXXX to correct this? Thank you for your assistance with this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: VA
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:
XX/XX/2022 COMPANY VIOLATED MY CONSUMER RIGHTS UNDER 15 U.S. 1601,1602, 1605

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 non-monetary relief