BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
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: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX, Experian, and XXXX has been reported as follows : XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$2200.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. 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 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 2022-09-21
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: EQUIFAX, 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: Account information incorrect

Complaint:
.To Whom It May Concern, The reason for my dispute is XXXX XXXX, XXXX 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, XXXX XXXX, XXXX 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 ) XXXX XXXX, XXXX 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 XXXX XXXX, XXXX 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 whereXXXX XXXX, XXXX 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. XXXX XXXX, XXXX 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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX XX/XX/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 2022-09-21
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: Reporting company used your report improperly

Complaint:
Experian has stated that my accounts in question have been properly investigated and how is that possible if the theirs multiple errors attached below. 

This is grounds for removal and mo

netary relief immediately. My rights where violated under : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] A ) I must be respected and have the right to privacy. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] A ) Section 2 : It also states that a consumer reporting agency can not furnish an account with out my written instructions. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period. 

Account Name XXXX XXXX XXXX Account Number XXXX Account charged off. {$5000.00} written off. {$5900.00} past due as of XX/XX/2022. 
account has no high balance XXXX XXXXXXXX Account Number XXXX Account has no high balance XXXX XXXX XXXXXXXX Account Number XXXX Date XXXX Status Account charged off. {$610.00} written off. {$610.00} past due as of XX/XX/2022. 


XXXXXXXX XXXX XXXX Account Number XXXX Wrong name wrong accont number A collection can not have a balance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, at XXXX XXXX  EST, my XXXX year old son  missed a phone call on his cell. My son has had this phone number for about a year, and he received the phone number from the mobile carrier when we opened his phone account. The call that he received was from Portfolio Recovery Associates ( " PRA '' ), using their phone number of XXXX. My son showed me the missed call, and as his father I called PRA back. I identified myself by first name, explained the situation to the PRA agent, and let him know that we have had other creditors call as well over the past year, and we had had them remove the number from their systems without difficulty. I asked that my minor son receive no more calls from PRA. However, the agent refused to do this unless I provided my own personal information ( full name, address, etc. ) to him. I did not want to do this, and explained this to him, but he insisted that it was PRA policy that I provide my PII in order to get my son 's number removed from their system. We went back and forth like this for a few minutes, at which point I informed him that I would be filing a complaint with the CFPB unless he would commit to removing my son 's number from their system. The call did not end amicably as I terminated the call. 

I feel that this is an unfair or abusive practice. My XXXX year old son should not be receiving collection calls from a debt buyer regarding another person 's debts, nor should I be required to provide my own PII to PRA in order to get my son 's number removed from their system of record ( and run the risk of my own name somehow getting tied to that particular debtor 's account ). 

After I terminated that call, I noted that my son had missed a second call from PRA the day before. So I called that number back, this time XXXX, and spoke with another agent. I again explained the situation. Fortunately, she was willing to remove his phone number from their system without any difficulty and without my providing my own PII. 

In light of this second phone call and the ease with which I was able to remove the number, I now wonder whether the first agent I spoke with was simply untrained, or else if there truly is a policy issue in play at PRA. Either way, at the end of the day, I don't want them trying to collect money that someone else owes from my XXXX year old, and it should not be difficult to get them to stop doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Barclay 's Bank Delaware XXXX XXXX, XXXX XXXX XXXX XXXX filed continuing garnishment under court doc. This company filed the one document in a county where I do not live or work. This court doc. was filed under on county. I tried on several occasions to contact the law firm to work out a settlement on this account amount and they refused to talk. This is putting me in financial hardship by deducting a garnishment of {$320.00} from my paycheck. I am a single parent, working one day a week, and a full-time student, taking care of XXXX  kids and an XXXX parent. My health issues are declining to try to sustain my household. I want to work out a settlement and have this continuing garnishment removed from the court system.

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 2018-01-10
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: Account status incorrect

Complaint:
On XX/XX/XXXX I received an alert notice from XXXX XXXX XXXX, an XXXX  company. They had received a report from Equifax regarding negative activity on my credit report ( attached ). It states that XXXX XXXX had reported my account with the as " Bad Debt '' and " Placed it for collection. '' On XX/XX/XXXX I  received an alert email from XXXX ( attached ) that my FICO rating had changed. My XXXX account details XXXX attached ) show that my credit score dropped 60 point on the XX/XX/XXXX and recommended I contact XXXX. 

I have contacted all three credit bureaus and filed disputed with Equifax and XXXX. XXXX referred me to Equifax as the reporting bureau. I will, however, re-attempt to file a dispute / notification with that agency. 

I dispute the negative impact of the " Bad Debt '' classification and the referral to a collection agency, XXXX XXXX, XXXX. I was never informed that such a step was being considered or given an opportunity to payoff my balance with XXXX XXXX, which I would have done. My credit reports ( XXXX 's is attached ) document an unblemished 81-month payment history. I also have routinely paid twice the minimum required monthly payment amount. My latest statement is attached, and I can provide two years of statements if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Ever since. I had XXXX in XXXX, other health issues have been causing problems with me paying. I have sometimes been able to at least make XXXX dollar payment which is under the limit. Victoria Secret Credit card company which is used by Comenity Bank first offered help if I had Covid ( I have documents from XXXX XXXX in mn confirming this ) about me being sick and then the further detestation of my health. However when I would call and ask about the help, agents. Would say that it wasnt true, even though I received letters and text messages saying they could. However this month every day I have anywhere from 5 or more calls from them daily including ones in a row which I know is against regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: Block, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Yea someone been hacking my account for 3 days in a row The were trying to change my info and unlinked all my info while at the same time I was trying to fix it and they just kept trying while I kept trying to fix it they stole {$390.00} the morning of XX/XX/23 i did not make that transaction I was hacked and they tried to yesterday also on XX/XX/23 My wife made a police report yesterday because we think it was someone with in the Colorado areathe day before they tried the same thing and wasnt successful because yall had locked my account due to suspicious activity and the next day they tried it again and were able to take {$390.00} XXXX this the case number It was a card ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: EQUIFAX, 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:
On XX/XX/XXXX I mailed a certified letter to the credit bureau disputing errors and unknown accounts that appeared on my credit file. I have waited well over 30 days for my results as informed by The Federal Reporting Act., However i never received any results or validation of these accounts. At the moment the credit bureau is in violation of the law section 601 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Google Compare Credit Cards Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX HAS BEEN CALLING REPEATEDLY FROM RANDOM NUMBERS ATTEMPTING TO MAKE ME PAY FOR SERVICES THAT WERE NEVER RENDERED BY THE COMPANY. THE NUMBERS HAVE BEEN ADDED TO A BLOCK LIST BY THE CELL PHONE PROVIDER BUT THE NUMBER CONTINUE TO CHANGE AND IT IS IMPOSSIBLE TO BLOCK ALL OF THE NUMBERS THAT ARE BEING USED BY XXXX WHEN THEY ARE CALLING INTO 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 2023-03-26
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian showing credit score decreased to XXXX of XX/XX/2023. I will attach 3 credit reports from my Experian credit file that will show that my credit score not being adjusted after removed items found on my credit file. Also, the late payments with XXXX XXXX XXXX XXXX which shouldn't be reported on my credit file per frca 15 U.S. Code 1681a ( 2 ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681a ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have ongoing disputes with Experian as 3 collections ( and addresses reported by them ) have appeared so far on my credit report that happened due to identity theft. The first collection/address were disputed successfully and I currently have 2 pending collections under dispute. I submitted an FTC report and have submitted several to Experian in the past few weeks ( updated over time as each new collection and address have appeared ). I keep getting the same email from them stating " The identity theft report that you provided to us does not meet the guidelines established by the federal Fair Credit Reporting Act for the following reason ( s ) : It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. '' I have called several times and no rep has ever been clear as why they can not accept it ( is it because I keep updating it and the previous one submitted is no longer valid? or something else? ) .Today, XXXX/XXXX/2021, I called again to get clarification as to why I received the email again and why they can not accept the FTC report I submitted. Rep said " We know the report is fake '' basically accusing me of faking an FTC report when it was literally filed and downloaded directly from the FTC 's website. I asked the rep to clarify why they think the report is fake if it was downloaded from the website ; I explained that the report has been updated by me every time new collections/information has come up and submitted. Rep refused to answer, stating again that they know that the report is fake, that she could not reveal details but that they are aware the report is not real. NO EXPLANATION. I asked if they could send me a letter instead to explain why if she could not do so over the phone and the rep stated she could only send me the same email they keep sending which is NO HELP. Rep stated to contact the collection company directly instead and if they accept the report then they would remove the collection which 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 2023-04-09
Company: EdFinancial Services
State: HI
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. 



EdFinancial Services ( Department of Education ) : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 



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

Company response to consumer: Closed with explanation