BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-13
Company: SLM CORPORATION
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: Investigation took more than 30 days

Complaint:
I sent an validation of debt letters on XX/XX/2021 to both sallie mae and XXXX. they have yet to send me anything validating the alleged debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: Experian Information Solutions 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:
On XX/XX/2018 I sent a request to Experian asking them to verify the account being reported on my report by XXXX XXXX XXXX XXXX for XXXX in the amount of XXXX. I asked for copies of documents. They responded within 30 days without documentation saying that the account had been verified. I sent a second request on XX/XX/2018 asking for a demand for validation with documentation. On XX/XX/2018 I received notice from Experian that the company that reported the information has certified with Experian that the information is accurate. XXXX was sent a letter requesting validation and documentation on XX/XX/XXXX, as I believe the reporting is in error. On XX/XX/2018 I received a XXXX bill from them. One in the amount of {$1000.00} and another for XXXX. This does not prove the account is mine. I am asking for original documentation or contract that validates the account being mine, as I believe this account is being reported in error and negatively impacting my credit worthiness.

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 2022-11-24
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXX XXXX XXXX XXXX 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 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 2021-02-10
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION TO CLARK COUNTY COLLECTIONS I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1500.00} does not belong to me. This account was fraudulently opened through this company CLARK COUNTY COLLECTIONS in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Credit Bureau Collection Services, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I owed a debt with XXXX of approximately {$900.00} for services provided in XX/XX/XXXX. 
In the end of XXXX I received the first statement dated XX/XX/XXXX. 
On XX/XX/XXXX I contacted XXXX and put this debt on a payment plan of 12 payments of {$78.00}. This amount was debited on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for a total of {$310.00}. 
On XX/XX/XXXX I received a notice from the company XXXX XXXX stating that this account was overdue and it was sent to collections. 
On XX/XX/XXXX I called XXXX ' billing department, spoke with XXXX XXXX ( supervisor 's name is XXXX XXXX ). XXXX was able to verify that I setup a payment plan via phone on XX/XX/XXXX and informed me that due to a XXXX ' internal accounting mistake this debt was sent to collections even though I was making the payments on time, per the agreed upon payment plan. 
I believe that this was done in bad faith, and that XXXX sent my debt to collections with the intent to intimidate me, giving me no option but pay the debt in full, even though we had agreed on a 12 month payment plan. 
I felt threatened and afraid that this debt would be reported to the credit reporting bureaus and therefore paid the remaining debt in full on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
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:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: TX
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 inform you that I have been a victim of identity theft, and as a result, my credit report has been affected. I have previously notified the company of this issue and requested that the fraudulent information be removed from my credit report. However, it has come to my attention that the information is still present on my report. 

I have already taken steps to address this matter, and it has been reported to the relevant authorities. I have also provided your company with all the necessary documentation to prove that the information is fraudulent. 

I urge you to take immediate action to remove the fraudulent reporting from my credit report. Failure to do so will result in legal action against your company for negligence and non-compliance with the Fair Credit Reporting Act. 

I request that you confirm in writing that you have removed the fraudulent reporting from my credit report within 10 days of receiving this letter. If I do not receive your response by this date, I will assume that you are unwilling or unable to comply with my request, and I will proceed with legal action. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
This issue is related to ID FOR COMPLAINT SENT TO XXXX XXXX XXXX Tried to resolve problems that XXXX XXXX didn't resolve. 
Bank of America customer service told me that transaction will be declined because I don't have to withdraw protection. 
My checking account is negative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: 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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
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 belongs to someone else

Complaint:
TO WHOM IT MAY CONCERN, IM REACHING OUT BECAUSE MY CREDIT REPORTS SHOWS THAT I HAVE SOME INFOMATION THE IS AN ERROR AND I HAVE REACHED OUT THE BUREAUS AND INFORMED THEM BY MAIL AND I HAVE NOT BEEN NOTIFIED OF ANY UPDATES IN ALMOST 30 DAYS. I WANT TO MAKE A COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: JPMORGAN CHASE & CO.
State: NJ
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:
On XX/XX/XXXX I book vacation thru website XXXX for a trip to XXXX XXXX XX/XX/XXXX to XX/XX/XXXX. I used my Chase Visa debit card to make payments of 6 equal payment of {$350.00} to XXXX. First charge was XX/XX/XXXX, second charge XX/XX/XXXX, third charge XX/XX/XXXX, fourth charge XX/XX/XXXX, Fifth charge XX/XX/XXXX. The last final charge was not done because XXXX XXXX  on XX/XX/XXXX issued a notice on their website that my resort booking was cancelled automatically and my last will not be taken. No one at XXXX has answered their phone, texts, or email. I filed with Chase debit back in XXXX, got provisional refund but Chase reversed the charges 2 weeks ago. I contacted Chase again to day and agin was denied because chase stated thats Visa not Chase is not liable for any charges beyond 120 days from the first charge back on XX/XX/XXXX. I stated that XXXX closed their doors and stop answering any questions on XX/XX/XXXX. I filed services rendered in XXXX. Chase still insisted that i didnt file in a timely matter, which is 120 from first charge. My total amount is 5 chase debit payments of {$350.00} = {$1700.00} and a initial {$40.00} payment to XXXX on the initial confrontation. Total of {$1800.00}. 
I have all Chase Visa debit transaction details printed and also XXXX statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-16
Company: Eagle Accounts Group, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed an error on my credit report please remove.

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 2020-07-14
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: Account information incorrect

Complaint:
XXXX XXXX Account ending in XXXX has not been updated from the creditor for months the last time they were updated was XX/XX/2020 because of my credit disputes, This company has not been updating my correct balance and payment history for months before this non update was happening my XXXX XXXX account would update on the XXXX of Every Month and it had stopped, I reached out to the XXXX XXXX XXXX XXXX ( The Creditor for this Acct ) to no Avail My payments and balances are not being reported to the 3 credit Bureaus like they once were

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Sent out certified letter did not hear nothing back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Global Lending Services LLC
State: NJ
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:
THESE ARE INQUIRIES THAT WAS NOT AUTHORIZED : XXXX XXXX GLOBAL LENDING SERVICES XX/XX/2022 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I recently won suit against XXXX XXXX XXXX XXXX  for Misreporting and Violating FCRA by reporting incorrect information. Account that was incorrectly reported is : XXXX Home Equity Loan # XXXX. Open : XX/XX/XXXX. I have court order that XXXX was reporting in violation of law, and that account needs to be deleted I tried to fix this issue with Experian back on XX/XX/XXXX by sending to this credit reporting agency a notice that I won the case and requested them to please BLOCK this account. I eve attached the lawsuit judgment as proof of case won. 

Please help me to block this information since its my right because I won the case and this credit bureau is still reporting this account. 

Please review the ATTACEHD LAWSUIT JUDGMENT.

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 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX Account ending in XXXX has not been updated from the creditor for months the last time they were updated was XX/XX/2020 because of my credit disputes, This company has not been updating my correct balance and payment history for months before this non update was happening my XXXX XXXX account would update on the XXXX of Every Month and it had stopped, I reached out to the XXXX XXXX XXXX XXXX ( The Creditor for this Acct ) to no Avail My payments and balances are not being reported to the 3 credit Bureaus like they once were

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 2019-06-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates, ( XXXX ) from the original creditor : XXXX XXXX. 
Account Number : XXXX Merchant : XXXX They have failed to show anything bearing my signature with a valid Identification. They will not work with creditors to take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
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: Information belongs to someone else

Complaint:
XXXX is participating in deceptive practices I have reached out to the company numerous times about fraudulent accounts that are on my consumer report. I even educated them on the federal laws that they were violating and they still decided to violate my rights.

They are in violation pursuant to 15 U.S code 1681 b permissible purposes. They are also in violation pursuant to 15 U.S code 1681i ( 5 ) ( B ) ( ii ) ( iii ) deleting items off of my report and putting them back on without sending a reinsertion letter. Furthermore, they are reporting an account on my report that is not only fraudulent but it is being reported incompletely because it has no account number. I've sent over my Ftc report that they said they could not accept I've sent over an affidavit of truth and i have sent my letter to them certified with a return receipt so I know they have received my demands in writing. Federal law also states that when an account is being reported as the fraud it needs to be removed within 5 business days but XXXX keeps telling me that they won't take it off. I already have enough evidence to sue XXXX in a federal courtroom for the multiple violations but I want to give them one last chance to fix there wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX   XXXX {$430.00} DEPTEDXXXX XXXX {$3500.00} XXXX XXXX XXXXXXXX {$1700.00} XXXX   XXXX XXXX {$14000.00} XXXX XXXX {$1600.00}

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 explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: PA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: NJ
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 15USC 1681 Equifax and XXXX is governed by 15 USC 1681. And they violated my rights numerous of times. I demand this account listed below to be removed because according to 15 USC 1681 : I have the rights to privacy and did not give Equifax and XXXX any written permission to furnish this account : XXXXXXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: DE
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:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX //LATE close - Balance $ XXXX-Date Opened : XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it.

Company response to consumer: Closed with non-monetary relief