BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are multiple inaccuracies in all of these reports from Experian, XXXX, and XXXX such as dates for payments such as XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, balances. XXXX XXXX dates account opened on, and inaccurate reporting dates XXXX, XXXX, XXXX, the date opened in different transunion. XXXX XXXX reported inaccurate open date in transunion, XXXX XXXX is inaccurate dates for late payments in Experian, transunion, and XXXX. XXXX XXXX XXXX ( different account ) XX/XX/XXXX has inaccurate dates for when account was opened. XXXX XXXX has inaccurate late payments dates and open dates.

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 2023-08-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Requested that Portfolio Recovery Associates ( PRA ) provide contract with my authentic signature that started this alleged debt. PRA only provided computer screen print-out which is unacceptable. 

PRA conducted unreasonable investigation.

Moreover, received dispute resolution past the 30 days time limit which is a violation of the FDCPA. Other times when I submitted dispute and never received a response.

PRA has continued violating the law through intimidation, deception, and illegal debt collection.

PRA are in violation Fair Debt Collection Practices Act and the Consumer Financial Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Nelnet, Inc.
State: MI
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:
my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. This is false and misleading.

This alleged debt has not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Purchased 2 leather recliners from XXXX XXXX on XX/XX/XXXX. XXXX was supposed to be delivered in XXXX. Got several emails stated delivery date was pushed for ward several times. XXXX XXXX XXXX on XX/XX/XXXX and spoke with XXXX and cancelled order. She stated she had cancelled order. Furthermore, I contacted the credit card company Comenity Bank that issues XXXX XXXX Credit card and closed the account. and was assured that no charges would appear. However the charges of {$3500.00} appeared on a statement for XX/XX/XXXX for the order I had not only cancelled on XX/XX/XXXX but the ordered merchandise was never shipped and the order tracking number indicated order has never been shipped to my address. To further document my intent to cancel this order I also filled XXXX XXXX XXXX complaint ( case # XXXX XXXX on XX/XX/XXXX. I also closed the Comenity Bank XXXX XXXX credit card before the items were charged. I was assured when by Comenity Bank when I closed the account that no further charges would be allowed after the closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I have this bank called U.S. Bank and I have a focus prepaid card that I have received from an old employer. I had just gotten a new job a few months ago and normally I receive my payments on time with them but for the past two weeks I have not received my two paychecks in that card. I was told by my bank on XXXX that they were conducting a maintenance system update, which is why a lot of people who used this bank have not had their balances updated received deposits, or have been able to use their cards. They said that the issue would be resolved between XX/XX/XXXX and XX/XX/XXXX but I still have not seen any changes in my balance because my two checks did not go through. I had called the bank two days later in the beginning of XXXX to ask if the maintenance has been resolved and they said that they dont know when it would be resolved. I waited two more weeks to call because I didnt receive another check and they told me that they didnt understand what I was talking about, that Im talking about a system maintenance that happened in XXXX, that there is not system maintenance and that I need to talk to my employer about the issue. My employer told me yesterday that they had emailed my pay provider company and they said my two checks are pending because they didnt go through. The banker on the phone was rude to me and did not help me at all with my issue. I was suppose to receive my checks on XX/XX/XXXX and XX/XX/XXXX. A lot of people have been having issues with this bank playing games with their money and accounts. I hope that this issue gets resolved and that the bank receives consequences for their actions.

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 2023-05-09
Company: EQUIFAX, 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:
This is my second 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5800.00XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5800.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: EQUIFAX, INC.
State: LA
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:
I have disputed with Equifax that I was a victim if identity theft and that these are accounts and inquiries that are reported on my FTC report are fraudulent accounts. I would greatly appreciate your assistance in this matter. XXXX and XXXX have since removed these fraudulent accounts and inquiries. These is always an issue with Equifax following the FCRA guidelines and laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my chime account due to hackers and was assured I would receive a check for XXXX it's been 3 months and now they tell me that since the account was closed I am not entitled to receive any money left in the account. Also the hackers somehow got access to the. Account and started a new account in my name. Chime gives me a different response each time I call and does not answer emails sent to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: GA
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. 

Account name : XXXX  XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX  XXXX, Account name : XXXX 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 an 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 2023-07-28
Company: Experian Information Solutions Inc.
State: IN
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:
See attached documents. Remove this personal information that does not belong to me.

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 2022-12-07
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:
I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING, I HAVE RIGHTS UNDER 15 USC 1681 EQUIFAX IF GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE EQUIFAX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ACCOUNT NAME : FXXXX 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 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 XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 was charged for purchases I did not make. I did not get anything from the merchant.

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 2023-06-11
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
the courts told me they don't do any business with any credit agency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 non-monetary relief
Consumer complaint received 2023-07-28
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: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries 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 2023-07-28
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: Credit inquiries on your report that you don't recognize

Complaint:
More inquires that I did not authorize 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 of XXXX, XXXXXXXX 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 non-monetary relief
Consumer complaint received 2018-08-31
Company: Navient Solutions, LLC.
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: Information belongs to someone else

Complaint:
Navient made several false reports to credit buruaes concerning my private student loans serviced by Navient. 

On or around XX/XX/2018, I enrolled in a reduced payment plan with Navient. I scheduled a payment at that time, to be debited towards the end of XX/XX/2018, for the reduced amount. That amount was to be debited from my checking account monthly for the next 9 months. I was told that no negative reporting would be made to credit bureaus as long as I was current with the reduced payments. 

In XXXX, no payment was debited from my checking account. I called Navient on XX/XX/2018 to discover the reason for this. It was then that I was told that the Navient representative I spoke with on or around XX/XX/2018 did not properly enroll me into the program. 

I spoke to Navient representatives on XX/XX/2018, XX/XX/2018, and XX/XX/2018. All the representative I spoke with have admitted that the false reporting to credit bureaus occurred due to Navient 's errors. However, they have all decried their inability to retract the false reporting, citing Navient 's policy. 

On XX/XX/2018, I received a call from XXXX in the Ombudsman 's department of Navient. He stated that the phone call was recorded. On the recorded call, XXXX admitted that at the time the report was made to the credit bureaus, ( 1 ) I should have been enrolled in the reduced payment program but for Navient 's employee 's error, and ( 2 ) even though I was not enrolled in the reduced payment program, my account was NOT in a past due status warranting credit reporting. 

XXXX admitted that it was Navient 's error that caused the false reporting to the credit bureaus. XXXX XXXX stated that another internal Navient department had reviewed my request for retraction and granted it. However, XXXX stated that the retraction would not take place until my account was no longer delinquent. 

My account is only delinquent at this time because of an error by Navient which caused my XX/XX/2018 payment to not be considered a full payment, caused me to miss my XX/XX/2018 payment, and caused my XX/XX/2018 payment to be the first payment in the payment reduction program I should have been enrolled in starting XX/XX/2018. 

On XX/XX/2018, XXXX informed me that the employee who did not properly enroll me in the reduced payment program on XX/XX/2018 is no longer employed by Navient. As I told XXXX, that takes care of Navient 's problem, but it does not address mine. That employee 's damaging actions will only be corrected when Navient retracts the false reporting. 

Navient 's policy should be overwritten immediately due to Navient 's error in causing the false credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Requested that Portfolio Recovery Associates ( PRA ) provide contract with my authentic signature that started this alleged debt. PRA only provided computer screen print-out which is unacceptable.

PRA conducted unreasonable investigation.

Moreover, received dispute resolution past the 30 days time limit which is a violation of the FDCPA. Other times when I submitted dispute and never received a response.

PRA has continued violating the law through intimidation, deception, and illegal debt collection.

PRA are in violation Fair Debt Collection Practices Act and the Consumer Financial Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: CL Holdings LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson Capital Systems is a scam and is a company based in XXXX. They are trying to say I owe them {$410.00} for XXXX XXXX phone service - a company that Ive never dealt with. There are no stores by me and I have never even been in one. Im not sure how theyre doing this but the debt is not legit. All of the complaints say that they scam people in this way frequently. And their debts always have to do with cellphone service companies. Their sister company XXXX XXXX XXXX does the same thing. That is strange. The debt is ruining my credit and the company is not doing anything to remove it. This cant be legal ... can it?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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