BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: EQUIFAX, 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:
These companies have violated my rights of privacy. I did not give written consent to these companies... 
XXXX bank XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX card XXXXXXXX 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 2022-12-09
Company: Convergent Resources, Inc.
State: MI
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 not my account. This is a formal complaint that Convergent Outscoring & XXXX have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. The information must be deleted from my report as soon as possible. I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.

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 2022-09-27
Company: Experian Information Solutions 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:
XXXX loans reported my account past due to credit reporting bureau for the month of XXXX and XXXX. Even though my payments were automatically debited from my account for years prior, XXXX stopped debiting my after balance were payed off from original loan, but not the deferred balance from a previous company and automatically report my account as delinquent without notification the deferred balance would not be automatically taken from account like all other payments and I wasnt aware of this I feel they should of made me aware that deferred balance doesnt qualify for automatic payments

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 2022-09-27
Company: EQUIFAX, INC.
State: PA
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:
Equifax and XXXX have refused to properly investigate I the consumers credit file regarding a collection that has been effecting my financial life, XXXX has deleted the inaccuracy but the other two CRAs haven't. 

The debt collection agency ( XXXX XXXX XXXX  ) has failed to validate the debt after I requested a validation via mail certified, which is a violation of 15 U.S. Code 1692g - Validation of debts. being so such information shouldn't be furnished in the first place SEE ATTACHED-

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: ENOVA INTERNATIONAL, INC.
State: AZ
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:
This company has been paid in full through XXXX debt settlement for the amount they agreed to settle at. However, instead of showing this on my credit report, Net Credit is claiming I still owe them money in the original full amount which is completely false. I can get the XXXX credit repair service involved if needed. Net Credit has refused to update this information that they signed documents agreeing to with XXXX. I have been making payments to them for months through XXXX and they have lied about being paid the full amount of the settlement. I have a document from XXXX debt settlement I would like to attach if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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:
I am waiting to delete the following information In my life. 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 commission identity theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX : {$1900.00} XXXX XXXX 81125537****Balance : {$1900.00} XXXX  XXXX Balance : {$3800.00} XXXX XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX NC ) XXXX Balance : {$140.00} XXXX ( Original Creditor : XXXX NC ) XXXX Balance XXXX {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$920.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX  XXXX Original Creditor XXXX XXXX XXXX PA ) XXXX Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX PA ) XXXXBalance : {$210.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX*Balance : {$1400.00} XXXX XXXX  XXXX XXXX Balance : {$3500.00}

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 2022-06-09
Company: Majority USA, LLC
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been using Majority bank checking account which was opened and approved on XX/XX/2022. I had initial issues with not being able to use my funds in the account but they sorted the technical error and I could start using my account from XX/XX/XXXX. The account allowed me to use my credit card and fund the account which was a feature of the account and I used it till XX/XX/XXXX. On XX/XX/XXXX, I sent an email to the support team of Majority that I am not able to deposit funds using my card that was added to the account. They asked me if the card is a debit or credit card to which I responded that it was a credit card. They said that its not allowed to deposit funds using credit card. However, I was able to do it for the past 15 days without any issue. Finally, on XX/XX/XXXX, they sent me an email that they will be closing my account without giving me any reasons and asked me to withdraw funds from the account by XX/XX/XXXX. I found it unfair and disrespectful for abruptly asking me to withdraw funds as they solely decided to close my account without any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Chime Financial Inc
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My Checking, Savings, and Credit Builder accounts with Chime were closed without my permission and I can not access the funds within them. I had a total of over XXXX dollars in savings that this company is denying me access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Upgrade, Inc.
State: OR
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:
I have a line of credit of {$4000.00} with Upgrade. My issue is that they do not file my credit limit but just my negative balance. By doing this they are making my credit file inaccurate every month. My credit file shows I'm using a higher percentage of my available credit. This is making it more difficult to get credit and competitive rates for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I got a derogatory note on my credit report from PennCredit ( Collection agency used XXXX XXXX ) for an amount of {$600.00} ( balance ). It was reported XX/XX/2022. I have spoken with two representatives from XXXX XXXX and PennCredit to validate the debt. The services for this debt were provided in Texas ( XXXX XXXX XXXX XXXX, XXXX, TX ). I have never lived or visited Texas. I can prove I've been living in Florida for the last 6 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting a complaint to you today to inform you that I was the victim of identity theft. I studied on how to DELETE the fraudulent inquiries from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE these inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of inquiries which do not belong to me or were opened without my permission : 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-08-01
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 2022-09-27
Company: EQUIFAX, 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:
XXXX XXXXXXXX account ending XXXX, in accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy,15 USC 1681section 6 0 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting a complaint to you today to inform you that I was the victim of identity theft. I studied on how to DELETE the fraudulent inquiries from my file and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE these inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX Date of inquiry : XX/XX/2021 ; XXXX Date of inquiry XXXX XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$560.00} XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX* Balance Owed XXXX {$0.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX  I Inquiry Date XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-12-09
Company: UNIVERSAL COLLECTION SYSTEMS, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022 I filed a complaint that detailed the debt collectors attempt to collect on a debt that was bogus and attempting to collect damages without a court judgment. 
Complaint No : XXXX. The company responded to CFPB stating they would respond to my complaint directly to me by mail. As of XX/XX/2022 the debt collector has failed to contact me either by mail or by phone. The debt is still active on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Dear Regulator, A Company ( the details provided below ) having and account in Bank of America running an XXXX scam. I am living in XXXX XXXX, where I work in XXXX XXXX The below company offer education courses ( as per their marketing emails ), and once information provided by me they have sent me an email for courses details which i never responded not agreed to take part in this program. Later the people engaged with this account called me ( XXXX XXXX  ) and threatened me over the call that we have arrangement with XXXX XXXX XXXX ( Government ) and on behalf of XXXX XXXX XXXX we have booked a seat for you. If you haven't paid the fee there will be legal consequence from Finance Division of United States Education Dept ( as they mentioned on your letter head as attached ). Under this pressure I have paid a cancellation fee XXXX XXXX XXXX and just after the call I released that its scam. I called my Bank and logged the complaint in XXXX XXXX ( XXXX XXXX Bank ) to stop the XXXX transfer. I am following up with the XXXX however the funds has already been remitted to bank of America at below account. I have attached the the fraudulent cancellation invoice and payment details for your reference and seeking your support.

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 2022-09-27
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I have been a victim of identity theft. Please see the attached documents for reference.

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 2022-09-27
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I used a Barclays Bank Wyndham rewards credit card to stay at a XXXX hotel in XXXX, XXXX. I am supposed to get 5 points per dollar when using at a XXXX, but was only awarded 2 points per dollar. Barclays said the hotel is not a XXXX, which is incorrect, so we did a three way call with a Barclays supervisor and the hotel who confirmed that the property is a XXXX. She stated she would accelerate the issue and six weeks later I still have no response from them. The account number is XXXX The transaction date was XX/XX/2022. The transaction amount was {$670.00}.

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 2022-08-01
Company: Experian Information Solutions 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:
Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my authorization. 
US SM BUS ADMIN ODA - Inquiry Date : XXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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