BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific items 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 items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$610.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is PORTFOLIO RC was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOVERY failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PORTFOLIO RECOVERY ASSOCIATES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation PORTFOLIO RECOVERY ASSOCIATES is  held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PORTFOLIO RECOVERY ASSOCIATES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX  Police Dept.I need this collection account to be removed from my credit  report.PORTFOLIO RECOVERY ASSOCIATES has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today XX/XX/21 I set out to freeze my credit with the 3 major credit reporting agencies. As I understand it, to protect my identity without having to pay for it, I need to freeze my credit with these 3 companies. This process was difficult and time consuming. In addition, it didn't work with one of the agencies. Below are my comments/complaints about each : Experian was by far the worst. I created my free credit report account. This went easy. However, when I tried to freeze my credit they wanted to sell me expensive identity theft products and wouldn't give me the ability to perform this task. Instead, they sent me to another website and ask for all the same information. I gave them all my data and then they came back with a message that they couldn't freeze it and that I had to mail personal information to them. Why can I open an account that shows my credit report, allows them to market products to me but yet they will not freeze my account like the other two agencies do? 

XXXX doesn't make it easy to find the free credit report and freeze service. I went down the wrong path and ended up subscribing to a $ XXXX service. Their customer service center was good about canceling it and telling me the secret URL for the free service. Once I had that all went well. 

XXXX - This was by far a much easier organization to work with. The home page directed me to the free service and I was able to get my free report and add the freeze all in one location without any hassle.

It is my opinion that there should be one website that handles this for consumers. These agencies should be required to work together and make and manage this site. This is a cost of using my data to sell products.

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 2023-01-21
Company: CITIBANK, N.A.
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 is missing that should be on the report

Complaint:
Citibank has reported XXXX of my credit card accounts as Past Due but none of my credit reports contain the required XXXX XXXX field of Date of First Delinquency to comply with the FCRA and XXXX XXXX. Citibank is NOT XXXX XXXX Compliant mandating deletion of my accounts at least until the required field of Date of First Delinquency is entered into XXXX XXXX and displayed on my paper credit reports. Failure to promptly update my file with the Date of First Delinquency for each account of Citibank shall be considered to constitute separate and distinct willful violations of the FCRA and deliberate disregard for XXXX XXXX Reporting obligations.

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 2020-01-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I do not recall all of the dates. However, Ive requested for the last 4-6 months that this company please stop calling my sons phone. 

The persons of interest that are being asked for. ( XXXX XXXX ) Ive informed that I dont know who they are, Ive never heard of them, and I am not them. 

This particular phone call a lot of regulations were broken. I do not know your companies rules. But there are federal, state laws, and regulations and procedures that have to be followed. 

I am fed up with how this call even went. The agent was very rude after I told her that she was calling my XXXX yr olds phone. I didnt appreciate it, at all. Then to question me after I told her that it was my sons phone number. She said I didnt give a yes or no answer. Um, excuse me I pay this phone bill. I clearly said no that wasnt who I was and she continued on. I dont handle business this way. It was completely unprofessional. the agents id number XXXX. 

She went back and forth with me. At this point I have told this company multiple times that it was a XXXX yr olds phone. I asked for her employee Id. She gave it to me, but I needed to get something to write it down. She argued with me that she already gave it to me. 

I then requested a manager XXXX XXXX, which came on the phone. I explained to her, but quite frankly Im sick of my son getting these calls. Secondly, I asked the manager for the agents id number she said she couldnt give that. Now thats a refusal. As a manager how do you refuse that information. I didnt ask for her full name. As matter of fact I do not recall asking for her name. I asked for her id number. 
I do not know what your company is used to dealing with. I know the laws, and I am not stupid. 

I do not want his number on an automated dialer and I didnt want manual calls. 

So, with all of that being said. I will contact an attorney for harassment unless you have something else to offer for a resolution. Making sure his telephone number is off. Was the first resolution. It wasnt taken care of after the first request. So now, you guys can come up with a resolution that is meaningful. 

Have a great evening, Portfolio Recovery Assc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: MI
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 sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not a request for a dispute this debt was involved in IDENTITY THEFT. 

This collection company is acting in an illegal manner. This is a part of the stall tactics that they use. They are not the original creditor. 

They continue to report a debt that was involved in identity theft. I prefer to document my contact in writing with this collection agency because they are very abusive and make threats when you call them. 

They " have '' been notified on several occasions by telephone and refuse to honor my request. 

They keep referring to me as the " right party '' when in fact I am the " wrong party '' considering this debt was involved in identity theft. 

They are not the original creditor, can not supply an original contract with my legal signature and a copy of my ID that was used for this debt. A statement provided by their client is not a contract with my legal signature and ID. 

In fact this collection agency can not produce a contract with my legal signature and a copy of my ID that was used in this debt that I do not owe. 

Identity Theft Police Report is attached for the tenth time for this company to read.

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2021-12-28
Company: Selene Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My previous Mortgage Servicer, XXXX XXXX, placed me onto a repayment plan that started XXXX. My new Mortgage Servicer, Selene Financing, began officially as my new servicer XXXX. My first repayment was sent to them via USPS certified mail and Selene Financing has since stated that XXXX ) My home is in foreclosure XXXX ) They will not honor the payment plan in place with the previous mortgage servicer as they do not make arrangements of repayment for that many months of past due payments & that I will have to re-apply with them. Then I received a modification application from Selene Financing a few days ago, well over a week after the date it was due to be faxed back to them. This is after I had explained to them that I was not seeking a modification but that I wanted to stick to the repayment plan already agreed to with XXXX XXXX. 
I still have the XXXX payment ready to over-nite to them as they are the same as XXXX XXXX, in that you have until the last day of the month for them to receive it in the month that it is due. But I do not want to send it if they will not confirm and acknowledge my repayment plan made with XXXX XXXX that was already set prior to them taking over my mortgage payments servicing. Otherwise, they will just keep it and state that it is money owed but meanwhile continue on with the foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: IL
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. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # 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 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 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Hello, I am XXXX XXXX. I am making a complaint to Transunion in regards to the account on my credit report called XXXX XXXX XXXX. I finally received the letter of verification/investigation results stating Transunion is not reporting the account. I am disgruntled with Transunion 's professionalism as you stated you are not reporting XXXX XXXX, however, it is still reflecting on my credit report. Again, this violates my rights and is against FCRA and FCDPA. Not to mention this is way out of the 15 day window of validation, yet this is still reporting! I demand Transunion to update my credit report immediately and send proof of so via mail. Thank you,

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 2020-01-13
Company: EQUIFAX, INC.
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:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft company or organization XXXX  card account number XXXX date that I discovered it XX/XX/2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Equifax is reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2019 I went to XXXX  to change and pay for my membership fee. I was told to contact the credit company associated with XXXX  ( XXXX Mastercard from XXXX XXXX  ) to link up the XXXX card with the credit card. I spoke to a representative from the credit card company and told her to link up the cards. Instead she activated the two cards that were coming through the mail and deactivated the cards I had with me. She insisted on doing this and created a problem with me and my Wife 's card. Now I had no cards to use and was furious with this. I called back to fix the issue instead it created more problems that I wanted. The supervisor tried to reactivated the card that was deactivated and that didn't work. Now instead of getting two cards that were activated in the mail I got one good and the other not working. So again I had to call and get another set of cards sent to me and was told when I activate these two one will work and the other won't work. So I listened to the supervisor and the card that was working stop working and the one he told me to cut up would have worked but I listened to him and got me all screwed up. Now I have one card working mine and my wife 's not working. I waiting for another set of cards that should have come today according to the representative. I complained so much that I sick over this. I was compensated {$20.00} which I find an insult to my intelligence. They will not budge on a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
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: Account information incorrect

Complaint:
In XXXX my husband filed bankruptcy on a vehicle HE owned. It has been reported as XXXX on his report but shows I owe them {$3800.00}. I was never on loan. After that was discharged, magically they added the debt to my credit report as owing about {$3800.00}. They then hired a collection attorney in XXXX to sue me. In which I responded with all ORIGINAL ink signed paperwork-none showing my name. XXXX hit and it got delayed. XXXX comes around they re-open the court case. I dispute again. This time actually getting a hearing and it being fully dismissed with predjudice. The company sent a letter XX/XX/XXXX, stating no $ is owed, however, for the last 5 years this has negatively impacted my credit. I have disputed it multiple times via the credit bureaus and by sending them letters. I want this FINALLY deleted from my credit in full, and the business should be fined along with the credit reporting bureaus. Despite a recent dispute they are continuing to leave the information on my report, even with the proof of debt I have provided.

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