BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-12
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 would like to file two FCRA violations against Equifax. On XX/XX/XXXX, Equifax got from me a ''Request For There Method Of Verification '' as pertains to an account that I allegedly had with XXXX  XXXX XXXX account number XXXX. I requested there method of verification as this account was not been reported accurately on my credit report and I asked them to delete it from my credit report but they refused and so I asked them for ''There Method Of Verification '' and once again they refuse to provide me with that information. With this complaint I am submitting proof that Equifax got my request for the method of verification on XX/XX/XXXX. XXXX. On XX/XX/XXXX I got a letter from Equifax stating that they will not investigate the matter further and that the matter is been reported accurately on my credit report AND THEY DID NOT INCLUDE THERE METHOD OF VERIFICATION AS REQUESTED OF THEM ON XX/XX/XXXX. 
This is a clear FCRA violation as the Fair Credit Reporting Act states that the credit bureau should provide me with there method of verification within 15 days of the request. 
I have uploaded a copy of the Fair Credit Reporting Act and highlighted the areas in which Equifax has committed a violation of the Fair Credit Reporting Act. 
The Fair Credit Reporting Act also states that if the account information is incomplete or inaccurate then the credit Bureau should delete the account from the person 's credit report. This account is incomplete as there is no payment/account information between the periods of XX/XX/XXXX and XX/XX/XXXX. The current status of the account is that the account has been paid off but this information is not reflected in the payment and account section. Equifax is unable to provide me with there method of verification and the Fair Credit Reporting Act states that if the item is unverifiable then it should be deleted. It seems as if they are unable to verify the matter as they are unable to provide me with there method of verification but refuse to delete the item from my credit report and that is illegal. I have highlighted the areas in which there is a FCRA violation. 
This is the final time that I will file a complaint against Equifax as it relates to this matter. This complaint will serve as evidence in a court of law that I brought the matter to Equifax and they did nothing about it. If Equifax fails to delete this item from my credit report then I will be forced to take legal action against them so as to recover damages

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
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: Information belongs to someone else

Complaint:
I was a victim of identity theft and accounts was applied for and opened with out my knowledge or consent. I am not liable fotr any debt that occurred or was created due to this fraudulent activity

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2022-12-13
Company: Experian Information Solutions Inc.
State: VA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2023-10-07
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These accounts are ran as a charge off But i never receive any of the 1099 cancellation of debt form. 

In accordance with the fair credit reporting act XX/XX/XXXX account numbers I C SYSTEM- Account # XXXXXX/XX/XXXX- Account # XXXX Has violated my rights 15 U.S.C16 81 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 : also states a consumer reporting agency can not furnish an account with my information.

The accounts listed above not only are in accurate but also reporting as ( PAST DUE ) on my report which is a VIOLATIONS.

Continuing to collect on a closed ( debt ) account after it has been sold unlawfully theres also a violation to a third-party damaging why credit leading me further to financial hardship. 

In accordance with the fair credit reporting actXX/XX/XXXX account numbers I C SYSTEM- Account # XXXXXX/XX/XXXX- Account # XXXXXX/XX/XXXX- Account # XXXXXX/XX/XXXX- Account # XXXX All accounts from these companies Has violated my rights 15 U.S.C16 81 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 : also states a consumer reporting agency can not furnish an account with my consent. 

The accounts listed above not only are in accurate but also reporting as ( PAST DUE ) on my report which is a VIOLATIONS. 

Continuing to collect on a closed ( debt ) account after it has been sold unlawfully theres also a violation to a third-party damaging why credit leading me further to financial hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-01-12
Company: CBC Companies, Inc.
State: AL
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:
It has been brought to my attention that XXXX XXXX has gathered my personal information ( pubic records/criminal history ) from the Alabama court house or some data furnisher without my consent, it is my personal data and private information, sharing this information has caused me to lose jobs i was already working, and prevented me from getting potential jobs ; the court system is not authorized to release, sale, promote this information because it is against the law, disposals of records, cause adverse actions in my life for years on my behalf, unauthorized, defamation of character, invasion of privacy, accurate reporting is required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I disputed all the inaccurate accounts on all three consumer reports. XXXX was the only company to respond and delete the accounts. The other two companies are still reporting the fraudulent information. These other two companies also have not responded via mail with my full file discloser which violated the law. Below are attachments with proof of deletions and time stamps.

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 2017-08-22
Company: Bread Financial Holdings, Inc.
State: PR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XXXX 2017 a card from commenty bank was send to me which I did not received it was used by someone else. On XX/XX/XXXX they send another card and the cards was stolen and used again. I call commenity bank and they stated that they can not credit the statement because every card I get someone stoles. Now they want me to send an old police report that I have saying that someone has pamper with my mailbox. My police reports saids that I have been a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
account.

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 1881. 

Accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights 15 U.S.C 1681 section 802 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. 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the

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 2023-01-04
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2022-09-12
Company: Pollack & Rosen, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Pollack and Rosen P.A. on XX/XX/XXXX claim to have mailed an Affidavit of Amount Due to me which included a claim of default of payment. This AOD never arrived at my address and a Final Judgement for Payment and Fact Information sheet was ordered in favor of Pollack and Rosen P.A.. I was shocked when I received this Final Judgment and FIS on XX/XX/XXXX. Pollack and Rosen P.A. has been notified several times by me from XX/XX/XXXX- XX/XX/XXXX that they made mistakes and asked to correct the mistake, and amount with the courts, or send me the date of the allegid default. I was not in default and the amount Pollack and Rosen is asking for is more than I owe. I make/made my payments No default exhists, that the A.O.D. never arrived to my address and was never scheduled for delivery. I was unaware of this new court action. Pollack and Rosen P.A. has not responded to any communication from me, and because of no response I was Forced under stress and duress to Pay {$440.00} within 45 days or return the Fact Information sheet which required I provide under oath the social security numbers and birth dates of myself and spouse, the names and address of my children, ALL finacial accounts including spouses ( who never had a connection to the credit card ). with account numbers, auto titles, property deeds, names and addresses of anyone I sold items to of {$100.00}. or more and names and addresses of anyone who owed money to me. This FIS is extream asking for public and non public private information and on an amount under {$500.00} and in my personal oppinion an invasion of privacy and questionable what is done with this information since the information would have no gurantee of protection. At the moment defamation of my charcter and unfair dept collection practices seem reasonable. Pollack and Rosen P.A. intent in my eyes since they have been advised several times of the mistake and asked to correct their mistake seems clear to me. The intent is not a mistake and appears to me to unfairly collect money or personal non public very detailed financial information by way of missing mail, order of FIS return or pay Final Judgement, and breech of court agreement ( Order Directing Payments XX/XX/XXXX ) by forcing me to pay all now instead of the court ordered monthly payment and asking for more than I owe. I paid what was owed. Personallyl I would like the {$440.00} returned to me and I resume the court ordered payments as Described in the Order Directing Payments XX/XX/XXXX and the court records corrected to show no default.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
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: Their investigation did not fix an error on your report

Complaint:
I am writing to file a complaint regarding inaccurate accounts on my credit report that are still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. The credit bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. These accounts should be corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-10-03
Company: CITIBANK, N.A.
State: NV
Product: Credit 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:
I used my credit card to purchase XXXX XXXX XXXX XXXX size XXXX shoes from online vendor XXXX on XX/XX/2023, for {$220.00} through XXXX. After the purchase I immediately contacted my credit card company to rescind the purchase because I suspected fraud on the part of the vendor. This suspicion was based on other customers who complained online that the company never responded to their complaints after failing to receive purchased goods. My credit card company initially reversed my {$220.00} charge pending a fraud investigation. I followed up with the credit card company in writing on XX/XX/2023, that I never received the shoes, even though the vendor claimed to have delivered them to my residence via XXXX XXXX XXXX on XX/XX/XXXX. I learned about this so-called XXXX delivery not from the vendor but from the credit card company. The vendor never acknowledged receipt of my {$220.00} purchase via email, never sent me the XXXX tracking number, and I never received the tracking number from UPS even though I am a member of XXXX XXXX, which is supposed to deliver such notifications to me via text or email. I first received the tracking number from my credit card company more than a month after the package was supposedly delivered. When I tried to plug in the tracking number through the XXXX website, it wouldn't allow me to file a complaint about a missing package. In late XXXX my credit card company rejected my fraud claim for lack of evidence and posted the {$220.00} charge back on my card, even though I had also complained that I never received the shoes. So on XX/XX/2023, I wrote back to the credit card company demanding a full {$220.00} refund because I still had not received the shoes. I also emailed XXXX on XXXX, XXXXXXXX XXXX demanding a full refund and never got a response. In addition to the letters I sent I also had phone correspondence with the credit card company 's fraud department on XX/XX/XXXX and XX/XX/XXXX in which I complained about not receiving the shoes. Both calls to my knowledge were recorded. I am seeking a full {$220.00} refund because I never received the shoes I purchased.

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 2022-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I had applied for a new credit card with the bank, and got approved, and a physical card was sent to my home address ; however, I had to go abroad, and so I could not access the physical card. I then got the bank to issue me a replacement card to be sent to a XXXX office in the city I am in. I was assured that I would be sent notification when this would happen, but I have not received any notification, and when I called to ask about the tracking number ( i.e., so that I could contact XXXX ), I was given the royal run-around. The representatives that I have spoken to are all woefully trained to deal with my case, and I have no idea what's going on. I have tried contacting the bank 's executives, but all that does is get some incompetent customer-service rep to call me, and I still get no resolution. 

I was also promised that I could set up a virtual card that would be used with a phone, but when I tried to do so, I got an error, and the " senior technical assistant '' told me that the bank would not do a work-around while its error gets fixed. 

Both of these situations are counter to the marketing that the bank says that it can do for its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
CITIZENSONE CONTINUES TO VIOLATE THE DODD-FRANK WALL STREET REFROM AND CONSUMER PROTECTION ACT. FALSELY THREATENING LEGAL ACTION, WAGE GARNISHMENT, AND VERBAL THREATS OF LEGAL ACTION. ALSO MISREPRESENTING ITS INFLUENCE ON A CONSUMERS CREDIT RATING BY IMPLYING THAT ID COULD RAISE OR LOWER THE RATING OR AFFECT A CONSUMERS ACCESS TO CREDIT, IT HAS BEEN IMPOSSIBLE TO OBTAIN FURTHER CREDIT BECAUSE OF THE XXXX XXXX IDENTITY THEFT ACCOUNT ON MY CREDIT REPORT. 


PLEASE DISCONTINUE THE THREATS AND VIOLATIONS OF THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT, AND REMOVE THE CITIZENSONE FRAUDULENT IDENTITY THEFT ACCOUNT FROM MY CREDIT XXXX REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected 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 XXXXXXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 section 604 ; It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes whish antedates the report by more than seven years.

! 5 USC 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 resonable 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