BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-05
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019, I was served with a citation on a lawsuit from Barclays Bank Delaware with XXXX XXXX XXXX listed as the attorney for the plaintiff. After much research, I discovered that Barclays had actually referred the account ( they still own the debt ) to XXXX XXXX, a collection agency, per Barclays. XXXX XXXX claims that they are not a collection agency and that they referred the account to XXXX XXXX XXXX, a collection agency law firm. I never received any type of communication from XXXX XXXX XXXX prior to being served with a citation. I sent XXXX XXXX XXXX a request for debt validation. The only thing they sent me was a few of the bills from Barclays and where I had applied for a credit card with Barclays on the Internet. That in no way validated that they had the authority to collect the debt. 

I hired an attorney to represent me. I could never verify with the court whether or not he responded to the suit, since I said I had an attorney, and could also never get the attorney to call me back. I have filed a complaint with the State Bar Association of Texas due to the attorney 's negligence. 

Today, XX/XX/2019, I received a letter from the court stating that a default judgment was decreed since there had been no response to the summons. I will be filing a separate complaint with the FTC against the attorney. 

My complaint against XXXX XXXX XXXX is their violations of the Fair Debt Collections Act, by not sending me any communications of my right to dispute the debt nor validating the debt. I have not signed any contract with 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 2023-06-17
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:
I reviewed my Consumer Reports and noticed that I had few late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
U have been disputing this item for over a year this is not my account removed this tradeline immediately it is affecting my credit score and I cant take out a mortgage if this is still on my credit..you guys sent me a letter saying it was deemed fraudulent so please remove this off my credit report I can sue for damages for inaccurate reporting by federal law you have 30 days to investigate this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I can not get my credit report from Equifax. I have tried to talk with about 25 people at Equifax Customer Service over the last week ( XX/XX/XXXX-XX/XX/XXXX ) and Equifax refuses to assist me. I have reason to believe they are showing me as XXXX because my credit report from a third party aggregator of three credit reports shows a note about me being XXXX. I am not XXXX. I have confirmed with the Social Security Administration that they do not show me as XXXX. I need this cleared up yesterday, as I am trying to close on a home loan that is now in jeopardy. I need Equifax to respond to me, but they refuse to talk to me, let alone check with SSA to confirm the record with SSA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX - XXXX there was multiple inquiries on my consumer report which id like monetary value for since i never authorized. This is a result of identity theft and happened without my knowledge. 

XXXX ( Inquiry XXXX ) XXXX XXXX XXXX ( Inquiry ) XXXX XXXXXXXX ( Inquiry ) XXXX XXXX XXXXXXXX ( Inquiry ) XXXX XXXX XXXX ( INQUIRY ) XXXX XXXX XXXX  XXXX The FCRA that the only data which is factually documented to be physically verified as fully truly, correct, complete, timely reported of a known responsibility and ownership. I would like a physical original document of my signature giving to your company to furnish on my 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 explanation
Consumer complaint received 2021-09-13
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debit is not mine.

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 2021-10-06
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
L J ROSS ASSOCIATES at XXXX XXXX XXXX XXXX, MI XXXX has been sending me collection notices in the amount of {$550.00}. The collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: NJ
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2019-11-05
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX S.S XXXX DOB XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX , XXXX GA XXXX XXXX XXXX XXXX   XXXX , GA XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX , GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE! It is possible a family member or work address but none of them belong to me never lived at these addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Innovis
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX S.S XXXX DOB XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX   XXXX, GA XXXX XXXX XXXX XXXX   XXXX  XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE! It is possible a family member or work address but none of them belong to me never lived at these addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: CORELOGIC 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX S.S XXXX DOB XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX   XXXX, GA XXXX XXXX XXXX XXXX   XXXX  XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE! It is possible a family member or work address but none of them belong to me never lived at these addresses.

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 2020-11-30
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:
I searched deeper into my credit reports and I discovered even more egregious violations of the FDCPA the FCRA by the CRA, Transunion LLC.. Transunion LLC is just standing by with a blind eye allowing & enabling these rogue preditatory debt collection agencies just destroy peoples ' lives with impunity because they know Transunion will not hardly delete anything even it's illegal behavior. Examples below : 1. ) Transunion is allowing XXXX XXXX XXXX ( aPhantom unlicensed debt collector ) and XXXX XXXX XXXX Plus ( a Phantom unlicensed original creditor ) just keep an illegal debt-parking scam acct # XXXX 
on my credit reports for ( 4 ) four years even though I proven factually in writing that this fraudulent acct # XXXX needs to be deleted due violation ofFDCPA & FCRA 2 ) Both ofthese companiesknowingly lack licenses to operate in GA. when they illegally placed this fraudulent acct # XXXX on my credit reports!!! I brought evidence in writing for that also.. 
3. ) Transunion LLC knows that XXXX XXXX XXXX pretended to be an attorney when wrecking credit with these violations & They still wouldn't delete this acct # XXXX!! 
4. ) Transunion LLC is well aware of the fact that " XXXX XXXX XXXX '' is a " fake '' name original creditor name it has no license to operate in GA! 5 min look on GA. Secretary of State website shows anyone that fact!! 
5. ) Transunion LLC knows that these 2 Companies illegally increased their " fake '' collection amt from {$8000.00} to {$10000.00}!!! 
Transunion LLC is well aware of all these issues are violations of the FDCPA & the FCRA!! Transunion should be neutral and siding with the truth but they are not!! 
CFPB and FTC please help with these Bullies ...

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 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 XXXX 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 XXXX years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06
Company: U.S. BANCORP
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: Card was charged for something you did not purchase with the card

Complaint:
I discovered my US Bank Credit Card was stolen in XXXX and fraudulent transactions were made on the credit card. 

On XX/XX/XXXX, I called US Bank to dispute these transactions and informed them my credit card was stolen. 

However, on XX/XX/XXXX, I receive threXXXX letters from US Bank claiming that I " benefited '' from these transactions and the following were not fraudulent, and the credits were reversed in my account for : XXXX XXXX XXXX : {$15.00} XXXX XXXXXXXX XXXX : {$14.00} XXXX XXXX  : {$16.00} I immediately called US Bank and they informed they would " look into '' the issue and contact their fraud investigation team. 

Three weeks passed and no action was taken. I called again and a representative informed me that for these three transactions specifically, they were incorrectly coded in their internal system. Rather than marking these charges for a stolen credit card, they had incorrectly marked it as for " duplicate/copied card. '' Another two weeks have passed and no action has been taken. This is extremely dissatisfying service and complete negligence on US Bank 's part.

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 monetary relief
Consumer complaint received 2022-09-13
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off a balance to a credit card company 6 days late. I called them and asked them to remove the late fee and they told me they could not remove it due to it being a closed account. First of all the account is showing as an open account and I have an available balance. They then charged me another late fee and interest on the previous late fee, I called them again and they offered to remove one late fee, now had they done this with the first late fee none of this would be happening. They are adding a late fee every month and interest on the late fees. The credit card is for a store that does not even exist anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-30
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:
There are 13 Accounts on my credit report that do not belong to me I have disputed this with the bureaus and furnishers and I am getting nothing back. I am spending so much time on these accounts and they dont even belong to me I am trying to see why nothing is being done for this. 

XXXX/XXXX  - XXXX - Amt {$1600.00} XXXX  XXXX XXXX - XXXX  - Amt {$4300.00} XXXX  XXXX XXXX - XXXX  - Amt {$5800.00} XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX XXXX {$4200.00} XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$2400.00} XXXX  XXXX XXXX XXXX - Acct # XXXX Amt {$10000.00} XXXX  XXXX  - Acct # XXXX Amt {$26000.00} XXXX XXXX  XXXX/XXXX  - Acct # XXXX Amt {$590.00} XXXX XXXX XXXX - Acct # XXXX Amt {$870.00} XXXX XXXX XXXX - Acct # XXXX Amt {$3000.00} XXXX XXXX XXXX - Acct # XXXX Amt {$700.00} XXXX - ACCT # XXXX Amt {$3000.00} XXXX XXXX XXXX - ACCT # XXXX AMT {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Nelnet, Inc.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/2020 Called XXXX XXXX XXXX at XXXX, was told that they had requested my loans from Great Lakes Education in XXXX of 2020 in order to place me on the public service loan forgiveness program. 

XX/XX/2020 Called Great Lakes Education at XXXX, was told that XXXX  XXXX XXXX is not accepting new transfers of loans until after the COVID pandemic and that I would be required to make standard repayments which is over {$2000.00} a month. 

XX/XX/2020 Called XXXX  XXXX XXXX at XXXX to inquire about this, they stated this information is not accurate. 

I need Great Lakes Education to release my loans to XXXX  XXXX so I can be placed on an income driven repayment plan with public service loan forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
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:
I have contacted this credit bureau on countless occasions this year regarding a XXXX XXXX account that does not belong to me. I have requested they block and delete the information from my report according to the FCRA 605B ( 15 U.S.C. & 1681 C-2 ) which states that these accounts must be removed within 4 Business Days of receipt. The credit bureau has yet to verify the account and have yet to remove it from my credit profile despite my several disputes, that included proper identity verification, and a formal complaint I filed with Federal Trade commission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: EQUIFAX, INC.
State: RI
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'm a victim of identity fraud, my identity and personal information was used to fraudulently open accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 
o 15 U.S.C 1681 section 602 A : I have the right to privacy.

o 15 U.S.C 1681 section 602 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions o 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 the records of conviction of crimes which antedates the report by more than XXXX years o 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief