BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: NV
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 recently a copy of my consumer credit report and noticed and error In accordance with the Fair Credit Reporting act XXXX Account 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 XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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 submitted a letter to the 3 Credit Bureaus on XX/XX/23 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX : {$66000.00} ; XXXX XXXXXXXX. XXXX Balance : {$330.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX : {$2600.00} ; XXXX XXXX XXXX XXXX : {$28000.00}

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 2023-01-25
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance {$370000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Certified mailing was sent to Midland and dated XX/XX/2021 requesting that they verity the debt and the requested information requested to verify the debt was never received from Midland and then I noticed when pulling my credit report in XX/XX/2021, Midland had placed the UNVERIFIED and INACCURATE account information on all 3 of my credit report. 
( Please see a copy of certified letter send to Midland requesting that they verify the debit. 
( Please see a copy of printout from USPS showing that Midland received the certified letter requesting the verification of the debt )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Caller call me XXXX XXXX, XX/XX/2018 ; stating the call was being recorded and requesting me to verify who I am, and my address.. Caller refuses to tell me who they were or what the call was about.

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 2019-05-10
Company: Bread Financial Holdings, 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:
In XX/XX/XXXX XXXX states that they dropped ALL my retail credit card available credit to 95 % utilization because XXXX  shows a credit score of XXXX. I contacted XXXX and according to them they do not run and submit  credit scores to companies without approval from the client. Two. I receive monthly updates from all 3 credit bureaus and I HAVE never had this credit  score. I have called XXXX and they refer me to XXXX. Very interesting tactics. So where do they get credit scores, XXXX, not likely? XXXX XXXX   maybe, and you do realize that XXXX XXXX scores were compromised a few months back. No response from XXXX. No response at all. Nothing. Absolute garbage. This looks like we may have a repetitive pattern from XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: AZ
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:
They have accounts Ive never applied for on my account. Theres so many address associated with my credit file it shows theres a lot going on. I need my credit profile completely whipped as I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, 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 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 a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
From my understanding I had an account with XXXX Fargo which I did not an to my surprise now that I was trying to open an account it not giving me the option due to me having a account that was open fraudulent an with thaT being said I'm not able to open an account I been victim of this so now I hVe to be on my XXXX XXXX to try to fix this situation that I shouldn't have to be going thru

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 2021-12-29
Company: U.S. BANCORP
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX and my complaint number is XXXX. I spoke to someone who took my statement earlier today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: NC
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 writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
hard inquiry made by 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 2023-03-09
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:
TransUnion Late Payment Removal XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Late Payments : XX/XX/2021 This item is inaccurate because the CARES Act provided protection to consumers who were affected during the COVID-19 pandemic. These late payments occurred during a forbearance period and according to this Act, you allowed me to temporarily pause my payments. 

I believe this adverse information has been incorrectly added on my credit report. 
Please remove the negative payment history from my credit report.

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 2019-10-05
Company: Professional Recovery Management
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Fox Collection Center is attempting to collect a debt in the amount of {$110.00} from me for a radiologic ( medical ) service I did not receive in 2015. I have disputed this collection with all 3 credit bureaus resulting in both XXXX and XXXX deleting the collection. XXXX refuses to delete or help me in validating this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/19, I received a credit card from First Citizens Bank with a Credit Limit of {$15000.00} that I never filled out an application for, submitted a SSN for the card, sign my name to an application for a card, and never asked First Citizens for a credit card for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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:
This claim is in reference to the existing claim XXXX on the Consumer Financial Protection Bureau XXXX The response from Equifax does not resolve the issue that I presented and was handled carelessly. The initial investigation regarding the following accounts were requested to be verified which was done by Equifax. Now I am challenging these items due to the inaccurate and discrepancies of the accounts : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX I am trying to legally clean my credit report and Equifax has violated a numerous amount of my rights according to the Federal Credit Act and Consumer Law and has made it extremely hard for me to do so. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. After requesting a numerous amount of times for validation and reinvestigation from XXXX, XXXX and Equifax via mail and phone, my results have came back verbally and through mail that these accounts were verified. This is ground for removal IMMEDIATELY. 

15 U.S. CODE 1681 states my right to removal of inaccurate information.

- 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. 

I have exercised the Consumer Law and if this investigation is not completed properly by EQUIFAX I will take further action. 

In result of the continuous violations and disregard, according to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want XXXX XXXX  per violation and for the accounts to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: NE
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 have connected with this company and the bureaus multiple times to have myself removed as an authorized user, and it has not been done by the credit card company or the bureaus. I have requested proof that I am a co-signer on the account and have been told I am not, I am simply an authorized user. Copies of any agreement that list me as a co-signer would be falsified as I did not agree to those terms, and they have stated I am not responsible for the debt. Yet they will not remove me. If I am not responsible, why continue to report on my credit unless with malicious intent. I have disputed with the bureaus no less than 4 times between XXXX. Most recently on XX/XX/2023. It is tearing down my credit and I am not legally responsible for this debt. Not to mention their own terms & conditions state that an authorized user may be terminated or removed simply by saying so in writing. That has been done as recently as XX/XX/2023 and it has not been granted. 

This company has been in litigation before for malicious and unlawful practices and I fear without consequences, they will continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-03
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This complaint is about a Barclays Bank Delaware AAdvantage Aviator Red Mastercard. 
I was on an XXXX XXXX flight in XXXX and they were offering a deal to open an Advantage Aviator card without the {$99.00} fee for the first year. When I got home I tried to access the deal online to apply for the card. After signing up for the card I realized they were going to charge me the fee to open the account. I called to try to correct it within the hour. I closed the account within an hour of opening it. I was assured that the account was closed. 
Following that I began getting calls about a small balance. I think the balance was the yearly charge of {$99.00}. I spoke with multiple persons and told them the account was closed less than an hour after I opened it. I never saw the card in the mail. I did not receive statements. I never put any charges on the account and repeatedly tried to close it. Then in XXXX I was told there was a balance of over {$5000.00} on the card from a balance transfer. I never transferred any balance from any other account and told them that. I again told them I had been trying to close the account since less than an hour after it was opened. I would be repeatedly transferred from person to person when trying to dispute the charges. I was asked personal information such as my social security number and card number, which I didnt know since I never received the card. I was repeatedly assured that the account was closed, including an hour after opening the account. I was never given any information as to what account the balance was transferred from. I believe my information was used by someone else unknown to me to make a fraudulent transfer. 
Now they have referred the account to a collection agency and I received a letter stating I owe {$5400.00} to XXXX XXXX XXXX, XXXX. for an account ending in XXXX. 
Please help! I believe this is a scam. 
Sincerely, 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 2023-01-25
Company: EQUIFAX, 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 discovered that some of the accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: PA
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
IN XXXX OF XXXX .I CONTACTED XXXX ABOUT MY CHARGE ACCOUNT .I TOLD THEM MY HUSBAND LOST HIS JOB IN XXXX.BUT I STILL CONTINUED TO PAY THIS CREDIT CARD IN GOOD FAITH .TO REPAY DEBT.I MADE.I TOLD THEM MY HARDSHIP CAME DOWN TO PAYING TO KEEP THE ROOF OVER MY FAMILIES HEAD. I ASKED THEM IF THEY COULD LOWER MY PAYMENTS.I TRIED TO MAKE A {$100.00} PAYMENT THEY REFUSED THE PAYMENT.I CONTINUED TO TELL THEM I COULD NO LONGER AFFORD TO PAY ALMOST {$200.00} A MONTH WHICH I PAID THAT AMOUNT EVERY MONTH FOR ALMOST 2 YEARS.I MADE THE PAYMENT XXXX TURNED AROUND AND GAVE ME A NEGATIVE REPORT THE SAME DAY WITH THE CREDIT BUREAU .I MADE THE PAYMENT.THERE REPORT AFFECTED MY CREDIT SCORE.LYING AND SAYING NO PAYMENT WAS EVER RECEIVED WHEN THEY TOOK THE MONEY OUT OF MY ACCOUNT.IN XXXX I TALKED TO 3 DIFFERENT PEOPLE TRYING TO NEGOTIATE THIS ACCOUNT .MY BALANCE DOESNT LOOK CORRECT FROM ALL THE PAYMENTS MADE. I EVEN HAD PROMOTIONS STARTING FROM XXXX FROM XXXX AND XXXX THAT WERE NEVER HONORED.I NEVER REFUSED TO PAY MY DEBT. XXXX REFUSED TO LOOK AT MY ACCOUNT AND REFUSED TO ACCEPT A LOWER PAYMENT FOR ME.AT THE END OF XXXX THEY SENT A STATEMENT ABOUT A PAYMENT FOR {$57.00} AND THEN SAYING THEY WOULD OFFER ME PAYMENT ARRANGMENTS WHICH IS A LIE .AND THEY THREATENED TO TURN ME INTO A COLLECTION AGENCY..IF THERE PHONE CONVERSATIONS ARE RECORDED.IT WILL BE NOTED ALL THE TIMES I CALLED TO NEGOTIATE MY ACCOUNT.THEN A FEW DAYS AGO XXXX XXXX I RECEIVED A NOTICE FROM XXXX ABOUT A CREDIT TO MY ACCOUNT FOR {$36.00} FOR A DEBT PROTECTION PROGRAM.THAT XXXX REFUSED TO GIVE ME BECAUSE OF ALL THE INTEREST THEY WERE MAKING OFF OF MY ACCOUNT.AND THE XXXX STATEMENT SAYS I 'M 4 MONTHS BEHIND HOW IS THAT WHEN I MADE A PAYMENT IN XXXX AND MY PAYMENT DUE DATE ISNT UNTIL THE XXXX OF EACH MONTH.

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