BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: FL
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.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2022-09-28
Company: Experian Information Solutions 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:
My Experian credit report shows there is a bank account that not belongs to me, and I submitted my first dispute on XX/XX/XXXX. However, after multiple " verified and accurate '' dispute results, I contacted XXXX XXXX the one Experian said reported this account on my report. However, they can not find anything according to my social security number, and my name is super common in their database, so they can not locate any specific account related to me. That result makes sense because I have never stepped into XXXX XXXX  and had any business with them. XXXX XXXX finally said they needed the last four digits of that account to locate the information, so I contacted Experian again. They said they could not provide me with the last four digits of that account due to privacy policy. How ridiculous! They said that the account was mine but refused to let me know what the account was! That is a DEAD LOCK now, Experian said they need XXXX XXXX  to report inaccurate account linkage, and XXXX XXXX requires me to provide the last four digits of the account to locate it, which Experian refused to provide! It's NOT my account. How could I know the last four digits of that account? If XXXX XXXX can not find anything in their system according to my social, how Experian " verified '' my information with them?

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 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 2022-10-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-03-24
Company: Receivables Management Partners, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got the bill from RMP <LLc for XXXX what should i paid since I have the bill always paid by online by XXXX XXXX I have XXXX XXXX and medical... I don't undertand the bill since XXXX XXXX XXXX # XXXX and I change to XXXX # XXXX Since I don't known what the bill for and send me the collection

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Convergent has been attempting to collect {$850.00} since XXXX. They re-aged this debt in XXXX, making it look newer and having a significant impact on my credit. The correct amount for this debt is {$450.00}. Convergent has been reporting the wrong date AND amount. This has caused huge financial strain and loan denials.

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The attached items are reporting on my credit report illegally as they do not belong to me. I have submitted previous forms indicating that such accounts do not belong to me. The credit bureau is continuing to illegally report these accounts and violating my consumer rights. I have obtained legal counsel through XXXX XXXX XXXX, Attorney at Law who is prepared to sue the bureau attached to this complaint, on behalf of XXXX XXXX XXXX, if a proper reinvestigation and deletion of these accounts is not completed. 

If not removed within 15 days of receipt of this notice, XXXX XXXX XXXX, XXXX XXXX XXXX will begin court filing in which civil penalties for violating consumer rights will be addressed. 

In addition, XXXX XXXX XXXX states the following : Under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. 

In a reasonable effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, and proof of your authority in this matter. Absent such evidence, you must terminate and remove this account and correct any erroneous reports of this debt as mine.

For the record, I state again : I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. Please provide evidence of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and promptly will work as a waiver to any of your claims in this matter and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed.

Your continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from all sources you have reported it to.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.

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 2015-07-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent the company a letter for verification of debt an as well I disputed it with my credit bureau as well an they stated its been verified however I have never received any documentation. I would like the debt deleted from my credit reports due to noncompliance of the Section 809 of the Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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:
There seems to be an error. Please remove this account because this is not mine. This is so disappointing!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Company is sending me a collection notice from an closed account from 2003. Statue of limitation in the State of California has been more than 4 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove the account. This is an error made by the company and i'm the one suffering.

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 2023-01-09
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:
I received your response Last XX/XX/2022 that you Close the COMPLAINT # that I sent on XX/XX/2022 to Investigate the Erroneous Accounts : XXXX XXXX XXXX that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days, and yet the problem is still reported in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.

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 2023-04-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As a consumer, I am writing to express my deep concern and frustration regarding the violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am absolutely appalled to discover that my privacy has been blatantly disregarded and my personal information has been mishandled without my consent. 
In accordance with the FCRA, I have discovered that XXXX. XXXX XXXX XXXX- Accounts # # # # # # XXXX, # # # # # # XXXX, # # # # # # XXXX, # # # # # # XXXX. 
XXXX. XXXX And XXXX - Accounts # # # # # # XXXX, # # # # # # XXXX, # # # # # # XXXX, # # # # # # XXXX. 
XXXX. XXXX - Accounts # # # # # # XXXX, # # # # # # XXXX. 
Have all violated my rights as a consumer. This is a serious matter that should not be taken lightly. My fundamental right to privacy has been breached, and my sensitive information has been exposed without my permission. This is a clear violation of 15 U.S.C. 1681 section 602 A, which explicitly states that I have a right to privacy.

Moreover, 15 U.S.C. 1681 section 604A section 2 clearly outlines that a consumer reporting agency can not furnish accounts without the written permission of the consumer. This means that these accounts should not have been reported without my explicit consent, and the fact that they were is a clear violation of the FCRA. 
In addition, the same accounts are being reported by different companies with balances, which is another violation that is extremely damaging to say the least. 
A Companies Policies and practices DO NOT override Federal Laws. 
I urge you to take this matter seriously and take immediate action to rectify the situation. My rights as a consumer should not be disregarded, and I expect to be treated with the respect and dignity that I deserve. This violation of my rights is unacceptable, and I expect a prompt and satisfactory resolution to this issue.

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 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 went to my bank to get a loan to help my grandma and they did not approve me. I looked at my credit and I see some things on there that is not mine XXXX  XXXX XXXX, XXXX XXXX. Please help me with getting these items removed. I have contacted the FTC and local police.

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I did not authorize or consent to the following accounts being furnished on my consumer reports. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2023-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
i was paying my best buy cc with my bank of America bank account. 
when i was paying my XXXX XXXX cc, i was trying to pay XXXX on my account, my phone glitched and paid the full balance of my cc which was over {$1000.00}. at the time i only had {$300.00} in my bank of America checking acct. and Bank of America allowed the charge to go through instead of declining for insufficient funds. like it would have if i tried to buy something at a store or if i went to an Atm and tried to take {$50.00} out when i only had {$5.00} in my account. I have been with Bank of America for 28 years. I have never had this happen to me, they have always been good about declining things. I don't understand how this could even be allowed. I get paid ever two week, that will me getting a lot of over draft fees from the bank and higher once because of the large amount over draft. this is fraud because i never asked for them to allow them to cover the XXXX that i don't have ever. i don't care if i authorized the payment I didn't have the fund to cover it. and the bank get to make out with all the over charge fees. I am a single mother of XXXX kids. ever if in two week my direct depots come in it only XXXX so now that is 4 weeks with out money to feed and pay my bills. this i out rages and if this doesn't get fixed i will be getting a lawyer and sueing bank of America for allowing this tow happen.

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 2023-01-25
Company: Experian Information Solutions 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:
Pursuant to 15 U.S. Code 1681i ( 1 ) ( A ) ( B ) ( C ) this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 

Pursuant to 15 U.S. C. 1681n - Civil liability for willful noncompliance. This is a DEMAND FOR MONETARY RELIEF as prescribed by law for EXPERIAN violating the FCRA XXXXection 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy.

Firstly, and foremost, I am a consumer as defined under 15 USC 1681a ( c ). The term Consumer means an individual. 

I mailed a dispute via Certified U.S. Mail ( XXXX XXXX XXXX XXXX XXXX ) to Experian requesting that Experian DELETE two accounts from Experian consumer report due to FCRA violations. The Certified Mail Receipt shows that Experian received my dispute on XX/XX/XXXX. According to the FCRA Experian had 15 days to comply with 15 U.S. Code 1681i ( 1 ) ( A ) ( B ) ( C ).

I have already disputed the two accounts several times in the past, so, therefore Experian does not get another 30 days to reinvestigate a previous dispute. 

According to the FCRA Experian was required to conduct a reasonable reinvestigation of the disputed information as I requested per U.S. Code 15 U.S.C. 1681 et seq. Section 604 of the FCRA. ACDV form is not sufficient as per the above sited laws. 

On XXXX XXXX, The XXXX XXXX XXXX XXXX XXXX ruled that CRAs can not only use ACDV forms to verify consumer disputes. The Court stated that ACDV forms are not deemed as a reasonable investigation as a matter of law. 

Experian has failed to meet its statutory obligations and is knowingly and willfully reporting false, inaccurate, incomplete, and misleading information on my consumer report. This has resulted in damage to my reputation, character, and credit worthiness. 

EXPERIAN has not conducted a proper reinvestigation of my disputes as mandated by the FCRA. EXPERIAN has violated the FCRA Section 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the disputed information must be DELETED from my Experian consumer report within 5 days of receipt of this NOTICE. 

EXPERIAN is engaging in fraudulent, deceptive, and unfair business practices by violating my Consumer Rights, the FCRA, The Comprehensive Consumer Credit Reporting Reform Act of XXXX. 

Please DELETE the two disputed accounts immediately due to FCRA violations.

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 2023-01-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Debt collectors kept calling me and trying to force me to pay a the balance and disregarded my attempt to let them know that it was identity theft in the XXXX XXXX XXXXXXXX on the day XXXX, in addition calls under different names such as XXXX being portfolio recov assoc And Portfolio with inaccurate amounts way over the fraudulent debt, in accurate and inconsistent information being submitted to the XXXX bureaus and reported on my credit report with in accurate account numbers, account status and missing information and verification and are still visible on my application. I continued to dispute the account because it was an identity theft byproduct and instead the account was reinstalled causing further damage to my credit and profile impacting me mentally and financially and ruining my consumer image because of identity theft.

Company response to consumer: Closed with non-monetary relief