BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
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:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$86.00}, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/2020 These items are reporting on my personal credit file with ( XXXX/ExperianXXXX ) credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me

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 2022-01-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: FL
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 act XXXX XXXX account # XXXX was paid off XXXX XXXX is violating my rights. 

15 U.SC 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2017-07-25
Company: Bread Financial Holdings, 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: Account information incorrect

Complaint:
Comenity Capital Bank has filed fraudulent information on my credit report which showed up on XXXX. XXXX has been notified and a dispute filed on XX/XX/XXXX. They reported on XX/XX/XXXX a " new bankruptcy-Comenity Bank/XXXX '' This account was paid on XX/XX/XXXX and included in a bankrupty filing back in XX/XX/XXXX. Upon reviewing my XXXX XXXX report, Comenity 's falsifying information and reporting actions to XXXX resulted in my credit score dropping over XXXX points in one day! I have worked diligently and improved my credit score over the last 3 years significantly. This is extremely damaging to my credit profile and must be corrected immediately. Please have this information removed and updated so that my credit score is back in the XXXX 's as it legally should be and inform me by letter : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. My attorney has been contacted and can provide the filing or any other information needed to resolve the actions of XXXX and Comenity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been calling this bank daily and attempting to close my account. I am accruing a $ XXXX overdraft fee, which the bank refuses to refund, despite my repeated attempts to bring the balance back to zero. Service at the branch is not helpful, as I am told employees there ( including managers ) do not have the authority to issue the necessary refund to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
My phone was stolen and someone hacked into my phone/online banking and used my information to buy tickets to a hockey game. The transaction is for {$110.00}. I have contacted the seller, the tickets were never used. Apparently the thiefs used my email to try and get a refund as well through XXXX. I contacted my bank and disputed the charge, however capital one stated that I am still responsible for the tickets. I do not feel that I should have to pay for this charge as this is not my fault and my account has a {$0.00} fraud liability agreement. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This company promised me that if I paid off a debt that my score would increase by at least XXXX points it did not when I paid off this debt a debt which was not mine a debt which no one could prove to me was mine legitimately no XXXX could send me paperwork no XXXX could do anything to prove that this was my get yet I paid it off because I was promised an increase in my score by at least XXXX points I watched a man get XXXX XXXX XXXX XXXX XXXX XXXX I'm trying to get out of this neighborhood I'm trying to buy a house that is why I paid off the debt so I could get the increase of the XXXX points They have not done what they said they were going to do I want them held accountable Only positive things have occurred on my credit report in the last XXXX  years and my score only goes down my Income to debt ratio is 7 % there are no collections there are no new hard inquiries almost everyone 's about to fall off my installment loan is up-to-date this is insane I am being targeted I want being targeted I want them to do what they said they were going to do. I You've talked to text so sorry you might need to decipher some of this because this is like the XXXX year that I've been doing this with you guys so I'm tired of checking for typos for you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have conducted several Experian disputes and my account is not reporting correctly. I have submitted my statements from XXXX XXXX and XXXX has even tried to correct the reporting. My current dispute is Report Number XXXX. 

All that has happened is a 60 day late has been reported more recently. My account is closed and current and I have submitted proof. I have even submitted correspondence from XXXX XXXX agents. I uploaded information again this morning to correct the error that is listed and I received an email stating the results are available within 2 hours of disputing. The email instructed me to call an agent ( Experian Dispute Specialist ) at XXXX between the hours of XXXX XXXX XXXX XXXX for assistance because the results were not yet available online. 

The first customer service agent went to investigate my claim and returned stating that he had a bad signal and could not hear me, so he would terminate the call. The second that I spoke with went to investigate and came back stating when they receive information they would dispute, so I tried to explain that I uploaded it to which he responded very rudely speaking over me and hung up in my face. 

This has been a very stressful ordeal and I have not been treated fairly as a consumer who is only trying to have accurate credit reporting. Experian is reporting a 60 day late payment for XX/XX/2022, which is incorrect. They have previously reported XX/XX/2022 as 60 days late and that is incorrect, also. It was paid on time and paypal credit can verify this.

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 2022-01-22
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX account was closed and paid in full. There was actually a over payment that the company owed me. 

A collection agency is trying to collect on an amount that is not owed. In fact this is the second collection company that has tried to collect money not owed to XXXX. 

I have contacted XXXX to dispute and they supposedly checked and collection is correct. It is not! 

I have documentation to prove

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have tried several times with this company to resolve my disputes and have had a couple EMPLOYEES even admit that they see no reason as to why my disputes we're denied and now the bank is telling me that in outta luck and that they will not help me any longer. Awful company, supposed to be protecting my money yet are helping fraudsters steal it and not returning it. I just want my money back but they claim that there's nothing they will do ( not that there's nothing they can do but that there's nothing they WILL do ). This is a joke. The fact that even their employees admit that there's no reason for them to deny the disputes speaks volumes. If they fail to resolve this I am taking my business elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: NC
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 Account # XXXX, Address 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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 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 2017-07-25
Company: LEXISNEXIS
State: TX
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:
I was denied insurance coverage based on information provided by XXXX XXXX. I was informed that I was entitled to receive a free copy of a consumer report from XXXX if I requested the report within 60 days of receipt of the credit denial. I requested a copy in writing on XXXX XXXX, 2017, 10 days after I received the denial letter ; from the agency listed on the denial letter, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Georgia XXXX. This request went unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: AR
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:
The Credit Bureaus did not perform a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did NOT do this! Furthermore, violating my rights. 

In accordance with XXXX Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my accounts where properly investigated but how is this so if the open date is inaccurate, the date last active is inaccurate, the reporting dates are inaccurate, the payment dates are inaccurate, the status is inaccurate. This is grounds for removal. 

XXXX, XXXX and Experian all violated the laws below ; 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 states a consumer reporting agency can not furnish a account without my written instructions. 
Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-04-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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 a victim of identity theft and have numerous police reports on file with Chex Systems in regards to fraudulent accounts and inquiries listed on my Chex Systems Consumer Report ID # : XXXX. The following inquiries viewed by others currently listed on my Chex Systems Consumer Report are fraudulent, unauthorized and is the result of identity theft : XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX, XX/XX/2022, and XXXX XXXX XXXX XXXX, XX/XX/2022. The inquiries viewed by others, are not my inquiries.

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 2017-02-16
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been unemployed since XXXX : Navient has been sending me harassing letters and calls every week saying they will take me to court if I ca n't come up with {$300.00} a month for their payments. I have contacted this company several times to tell them I am unemployed and have still received

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX Account Number XXXX is only reporting on my Experian credit report. This account does not meet the XXXX XXXX XXXX in that it is only reporting on Experian. e-OSCAR dictates that all three credit reporting agencies meet uniform alignment. 

I have filled numerous disputes of inaccuracies regarding this alleged account with Experian. However, my disputes have not been respected and my information not preserved in an integral way. Furthermore, the systems and laws have also not been respected when it comes to preserving my personal and financial information. In addition, Experian took more than 30 days to investigate and respond to me about this alleged account. When they have, they failed to fix any errors. 

I request CFPB to intercede on my behalf for a speedy resolution because this oversight is affecting me financially, as well as my mental well-being. 

Attached is evidence of the dispute.

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 2022-05-03
Company: Experian Information Solutions Inc.
State: FL
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 Account # XXXX has violated my rights XXXX  XXXX Accounts # XXXX and # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX  XXXX XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX Account 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 2020-04-30
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$360.00} COLLECTIONS XXXX {$150.00}

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 2022-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This company has obtained my personal identification under false pretenses.This debt is damaging my credit report. Pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. These companies has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b.Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

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