BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-21
Company: Collection Bureau of Fort Walton Beach, Inc
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After monitoring my credit reports from all three bureaus I noticed a collection for {$120.00} from COLLBURXXXX  and dated they received XX/XX/XXXX so I called to request details so i could determine if this was a true bill or not and the person was informed I was recording the call as well and that this was not my bill and could she give me the any information the account number, dates, amounts, coverage of insurance, anything that could prove it was a bill owned by me or send me what she had be cause that wasn't enough etc. and she sent me a link to " virtu '' pdf and on this was NO INFORMATION except my name, date of visit, a date 9 days later when it was filed and nothing else no social, no DOB, no address nothing. then I started researching what to do and I learned about " XXXX debts '' and debit collector scams and that this COLLBURXXXX  had not contacted me and had no information and stated there computers had been down is the reasoning for not reporting to bureaus or contacting me, so I went further and background checked the individual that the email came from and needless to say if its the same person which it only pulled one who sent the email she has been arrested for theft a few times. 
The Email was sent from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Did know what to do other than send a certified letter requesting debit validation but wanted to also contact you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have received phone calls from unknown numbers saying they are taking legal action against me. They said they were Portfolio Recovery. They were leaving me harassing voicemails. I had to block these unknown numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I HAVE SEVERAL ACCOUNT I DO NOT KNOW ABOUT THEY WERE OPEN UP FRAUDLENTLY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2022-04-11
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Above-mentioned Accounts have 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 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 2016-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XX/XX/XXXX, I contacted Kohl 's in reference to never receiving a credit limit increase after having the account for over a year. After hearing what the representative had to say, I stated that I would more than likely close my account once I have reached a {$0.00} balance. At a later date, XX/XX/XXXX, I was attempting to log-in to my account to make a payment. Online was n't working so I called the automated service, only to learn that my account was closed. I was completely surprised, and needless to say, furious! I immediately selected the option to speak to a representative so that I could get to the bottom of this. First, the representative stated the my account was closed, but there was no explanation. Minutes later, he returned to the phone, telling me that my account was closed at my request. I knew without a doubt that I did not make that request. After speaking to the representative and a supervisor, I was told that it could take days for them to retrieve the recording of the XX/XX/XXXX conversation. Days later, I contacted customer service again. This time, I was told that it could take weeks to retrieve the recording. After contacting the corporate office, I finally received a call back from XXXX in the executive office on XX/XX/XXXX. She was pleasant and assured me that she would pull the recording and that I would hear from her no later than XX/XX/XXXX. I never received a call back on Monday so I called her. XX/XX/XXXX, I received a call from XXXX. She stated that the conversation from XX/XX/XXXX was pulled and that I was correct, the employee did in fact close my account without my consent. I was told that my account had been reopened and that someone will speak with that employee. 
With my account being closed for 30 days, a negative reflect on my credit and not being able to use my credit card calls for more than a {$25.00} gift card, which is what she offered after I asked what Kohl 's was going to do to accommodate me for the inconvenience. When asked what I thought was fair, I suggested a line of credit increase or a {$500.00} gift card. I was told that they would not be able to do either, and that the decision was coming from the president 's office. I contacted the corporate office one last time and left a message with XXXX on XX/XX/XXXX. I never received a call back. I have never in my life experienced such horrible customer service, especially when the company is at fault. This is unacceptable!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-09
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Other

Complaint:
Barclay Bank Barclaycard, I went online to review my account and discovered my credit limit was reduced from {$2000.00} to {$1200.00} without any notification from Barclay Bank! I called them and they said because of credit usage on other cards NOT Barclaycard that they reduced my credit line because of that. I spoke to one of their credit representatives at Barclay Bank and did not get any positive response from her ( XXXX ). My account with Barclay Bank has always been paid on time and more than the minimum payment due! All my other credit accounts are always paid on time and with NO derogatory information on my credit reports! This practice of reducing ones credit limit for NO reason should be illegal and furthermore the bank NOT notifying the person of the reduction is WRONG! With Barclay Banks action this now may effect my credit score because with the reduction my balance is now 75 % of my credit usage on this credit card! I am XXXX and have NEVER had a credit limit reduced from any credit card company!

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 2021-04-20
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, I became aware there were fraudulent accounts on my credit report and wrote to Experian a certified letter with my affidavit to dispute and correct this information on my credit report. I spent approximately {$38.00} on XXXX tracking. I have a family to provide for and did not review my credit again until XX/XX/XXXX and noticed I had not received any correspondance from the credit bureau Experian nor emails pertaining to my dispute of this fraudulent account. On XX/XX/XXXX, I sent a second certified letter to Experian for another cost of {$38.00} and here is the tracking information for your reference : XXXX Tracking : XXXX Sent out XX/XX/XXXX, Del XX/XX/XXXX. Upon reviewing my credit report today, XX/XX/XXXX, it has been well over 30 business days and this is a violation of my rights under the Fair Credit Reporting Act.

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 2023-07-24
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent many letters in regards to errors on my credit reports .... They have not responded to my request ....

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 2023-07-24
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE SEVERAL ACCOUNT I DO NOT KNOW ABOUT THEY WERE OPEN UP FRAUDLENTLY I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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 do not understand why and how the Credit Reporting Agencies are even able to continue reporting the fraudulent accounts and information on my Credit File. On XX/XX/XXXX, I sent a dispute letter to the Credit reporting Agencies requesting that they investigate and remove the accounts and information from my Credit File that resulted due to fraudulent activities. However, I happen to check my updated Credit Report and was shocked to see that despite my efforts, the disputed items are still being reported. I demand the Credit reporting Agencies to send me copies of proof of verification or any documents giving these items the rights to exist on my Credit Report. Under the protection of the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required by federal law to remove the accounts and information from my Credit File that resulted due to fraudulent activity and yet the Credit Bureaus still indicated the disputed items on my Credit file without properly verifying the items ' accuracy. Onace again, I need the following items removed completely from my Credit File without any excuse nor exception : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX. I demand the Credit Reporting Agencies to send me copies of their so-called " investigation '', that is if they conducted any at all. In the event that the Credit Bureaus are unable to provide these documents within the time allowed by law ( 30 days ), I expect nothing but immediate deletion of the disputed items from my Credit File.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03
Company: Byrider Franchising, LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I received a car loan in XX/XX/XXXX. It was co-signed with an ex-boyfriend. In my stupidity, I thought that the split was going to be civil and we were going to help each other out. However, this was not the case. After telling me he would make the payments until I got on my feet, he defaulted on the payments and the car was repossessed XX/XX/XXXX. However, CNAC reported that there were late payments all the way up till XX/XX/XXXX. This was not the case by any means. I had spoke with the company personally and all I received were threats and no resolution to the problem. They refused to answer any questions I had or removed the incorrect information from my credit report. Also, they say a payment was made in XX/XX/XXXX and there was no payment made by me since XX/XX/XXXX. The gentleman I dealt with was extremely rude and just flat out hateful. On top of that I was emailed by the company with someone else 's personal information that included their name, address, birth date and social security number. When I called them very concerned that my personal information as well I was brushed off and was basically told they would not talk to me about it. They have done nothing to fix any of the problems that I have had with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
The credit reporting agency EQUIFAX INFORMATION SERVICES , LLC has been informed of several UNAUTHORIZED INQUIRIES currently being furnished on the consumer credit report belonging to the consumer XXXX XXXX and has failed to remove or block these unauthorized inquires as required by Federal Law pursuant to the Fair Credit Reporting Act [ 15 USC 1681c-2 ( a ) ]. The term Identity Theft is defined under 12 CFR 1022.3 ( h ) as a fraud committed or attempted using the identifying information of another person without authority. The consumer has identified the unauthorized inquiries provided herein have resulted from Identity Theft and unauthorized use of the consumers personal identifying information and has given notice that these unauthorized inquiries have not resulted from any authorized consumer credit transaction. The credit reporting agency EQUIFAX INFORMATION SERVICES, LLC is in violation of the Fair Credit Reporting Act [ 15 USC 1681c-2 ( a ) ] for failure to block from reporting the unauthorized inquiries no later than XXXX business days after receipt and delivery of the notice delivered on Sunday XX/XX/2022 at XXXX sent by way of USPS Priority Express Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with Federal Law under the Fair Credit Reporting Act I demand that this agency immediately remove or block from reporting the following unauthorized inquiries : UNAUTHORIZED INQUIRIES TO BE REMOVED : 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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
There are 2 unauthorized inquiries from XXXX XXXX on my Transunion report XX/XX/2022 and XX/XX/2022. I have been going back and forth between companies since XX/XX/2022 we regarding these 2 unauthorized inquiries. Transunion tells me that XXXX XXXX is supposed to investigate and XXXX XXXX tells me that transunion is supposed to investigate. I filled a police report and sent the information to the credit union. I did not get a response until XX/XX/2022. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2020-03-26
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: Account information incorrect

Complaint:
XXXX reported to the Credit Bureau incorrect information. They reported 2 late payments - XXXX and XX/XX/2018 creating a " 90 day past due '' when in fact both payments were electronically made. I have reported to both XXXX and the Credit Bureau several times and still remains unresolved. This affected my credit score significantly, bringing it from high XXXX 's score to low XXXX 's ( from Very Good to Fair credit ). Totally unfair to say the least.

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 2022-04-11
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 following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : 1. XXXX XXXX XX/XX/XXXX {XXXX} XXXX. XXXX XXXX XXXX XX/XX/XXXX {XXXX} XXXX. XXXX XXXX XXXX XX/XX/XXXX {XXXX} XXXX. XXXX XXXX XX/XX/XXXX {XXXX} XXXX. XXXX XXXX XXXX XX/XX/XXXX {XXXX} Inquiries : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief