BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$0.00}

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 2023-04-01
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: JPMORGAN CHASE & CO.
State: NY
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:
Obtained updated copy of my credit report on XX/XX/23 and found the following inconsistencies The " Date Opened '' is also inconsistent across all three bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. 
The date of " Last Payment '' is also inconsistently reported across all three bureaus, This is also a violation. There is a " Balance '' amount listed that is higher than the actual " High Balance '' amount, which is a violation. If an account was previously a credit card, there MUST be a " High Balance '' listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 is in violation of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
XXXX may not disclose nonpublic personal information to a nonaffiliated third parties. XXXX has provided Transunion, XXXX, and XXXX with information without providing me the consumer with disclosure in writing or electronic form or other form permitted by the regulations prescribed under section 6804 of this title. XXXX has not given me the consumer time that such information is initially disclosed, to direct that such information is not disclosed to such a third party. XXXX has also failed to give me the consumer an explanation on how I can exercise that nondisclosure option.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX  XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX  XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX  XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX {$980.00} XXXX XXXX Original creditor XXXX Balance : {$1200.00} XXXX XXXX XXXX Original creditor XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$520.00} XXXX XXXX Creditor : ) XXXX Balance : {$500.00} ( Original Creditor : ) XXXX Balance : {$500.00} XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX 2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance XXXX {$76.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$680.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$59.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$59.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$750.00} XXXX XXXX XXXX Creditor : ) XXXX Balance : {$84.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, GA 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
Consumer complaint received 2023-04-01
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2023 I received a text alert from XXXX XXXX  indicating that my XXXX XXXX 's account had a purchase attempt in the amount of {$7700.00}. A few days later, it was discovered to be a fraudulent attempt of an out of state purchase at an outlet store that was declined. I requested further action to be pursued as this is an attempt at Grand Larceny. I have heard nothing since of such resolution. Shortly thereafter, I noticed a Hard Inquiry on my credit profile for a credit line increase from XXXX XXXX. I attempted to dispute this thru the credit bureau, with no luck. I disputed this thru XXXX XXXX  and was informed that it was I who indeed made the request for a credit line increase on XX/XX/2023. This is absolutely not true, and correlates to the date of the fraudulent purchase attempt. I tried to explain this to 3 different representatives on the phone today. Nobody would assist me. I demanded my account be closed. It is still open. This company is irresponsible with my credit and security.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 consent.

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 2023-04-01
Company: EQUIFAX, 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 have sent several disputes to Equifax, XXXX, XXXX stating that an account was not mine and it was due to fraud. I showed proof that this fraud was done by an apartment complex and I showed proof of taking them to court to sue them over fraud. XXXX and XXXX deleted it off my credit report but Equifax refuses to remove it. I even hired a credit repair company to dispute it and they still denied the dispute. I will like XXXX XXXX of {$270.00} removed from my credit report. Also on XXXX XXXX XXXX I sent all XXXX credit bureau my accurate name and address along with social and employment and phone number. I asked that any inaccurate information on my credit report to be removed because I fear for future fraudulent activity. I am trying to correct my credit so I can be able to purchase a home in my near future. I sent letters to XXXX, XXXX, Equifax. 
XXXX still has inaccurate information on my credit report even after me showing proof. I also will like this inaccurate information removed. It has reached the 30 day mark for all corrections since the disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
NOTICE AND DEMAND EQUIFAX is reporting erroneous information of comments by XXXX BANK Credit Card. This information is incorrect and liable us, and may lead to a repairable damage. This needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Bread Financial Holdings, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been called nonstop from XXXX XXXX XXXX plus the main number at least 10 times a day over one missed payment for weeks now. I will be logging in to fix whatever billing issue there is, but calling me at the peak of dawn AND from private numbers while I am at work CONSTANTLY is borderline harassment. I have never had any other credit card agency do this to this extent before. Insane.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of the West ran a promotion stating they would credit {$250.00} to my account if I had 3 consecutive months with direct deposits totaling {$1000.00} or more for each month. The terms stated only that they needed to be direct deposits from my employer, not that they needed to be ACHs. 

I had deposits totaling over {$1000.00} from my employer for each month of XXXX, XXXX and XXXX. For some of my payments, they paid me through my Bank of the West debit card, which are still direct deposits from my employer. The amounts for those payroll direct deposit payments were {$380.00}, {$430.00} and {$630.00} and I have corresponding payment history from my employer. 

I met the qualifications, however they have refused to payout the bonus. I appreciate any help you can provide. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, Account name : Portfolio Recovery Associates # Account Number XXXX XXXXXXXX has violated my rights. They have not produce documentation showing how they got my information. They have place a debt collection on my credit report which is hurting me the account is falsely obtain by PRA. When I called customer service they said a 1099 was never done on the account but on my credit report is says written off bad debt. Portfolio Recovery Associates collector can not provide proof that I owe this debt and that they are now owner of this debt. They have harassed me over and over they haver called me repetitively via phone calls. I have called and send certified letter requesting the following : Alleged account number Name on file for the alleged debtor Date the alleged debt became payable Date of original charge-off and delinquency A complete accounting of debt Any judgment obtained by the creditor To date they have not respond or mail me back. In accordance with the Fair Credit Reporting act Portfolio Recovery Associates violated my federally protected consumer rights to privacy and cocnfidentiality under 15 USC 1681. 
Portfolio Recovery Associates 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.

I have sent certified mail with copies of my credit report to all three credit bureau several times about these inaccuracies on my on my credit report with no resolution. In the mean time this is hurting me and my family please help. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 non-monetary relief
Consumer complaint received 2023-04-02
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I requested credit bureau m

ultiple times for bankruptcy validation from the court/original creditor under 15 USC 1692g Sec. 809 ( b ) of The Fair Debt Collection Practices Act ( FDCPA ). Debt validation is my federal right granted under the FDCPA.

They failed to verify the information from the court so they should remove it from my record. " The United States Bankruptcy Court does not report any information to the credit bureaus. The U.S. Bankruptcy Court is not responsible for verifying or validating information from consumers credit files. 

Please provide validation from the court or delete all the bankruptcies from my record. XXXX doesn't show any bankruptcies.

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 2023-04-02
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 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 a account without my written instructions COLLECTION ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HARD INQUIRIES : XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SOFT INQUIRIES : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Promotional Inquiry XXXX XXXX XXXX XXXX  Prequalification for Credit Card XXXX XXXX  XXXX XXXX XXXX to XXXX Report XXXX XXXX XXXX XXXX  Promotional Inquiry XXXX XXXX XXXXXXXX XXXX to XXXX Report XXXX XXXXXXXX XXXX XXXX  Promotional Inquiry XXXX XXXX XXXX Prequalification for Mortgage XXXX. XXXX XXXX XXXX Automated Consumer Interview System XXXX XXXX  XXXX Automated Consumer Interview System XXXX XXXX Account Review Inquiry 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