BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent an affidavit of legal notice and conditional acceptance upon proof of claim dated XX/XX/2022 which is evidenced by green certified mail receipt ( attached ). Also attached is a copy of the correspondence I sent. All are equal under the law, truth is expressed in the form of an affidavit and an unrebutted affidavit stands as truth in commerce. They have not responded, sent an affidavit to rebut the one I sent, neither have they answered my proof of claim, therefore they are estopped. They continue to call me and harass me and have not responded to the affidavit I sent them and continue to post information on my credit report that they will not swear to as being true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
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 accounts have violated my rights : XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2022-08-22
Company: BARCLAYS BANK DELAWARE
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/22 I ordered merchandise from XXXX XXXX totaling XXXX. I never received this package ( confirmed via security camera at my front door ) and reported it to XXXX XXXX by phone. XXXX informed me that it would promptly remove the charge. However, it failed to do so. When I followed up, XXXX said I would have to dispute the charge with the bank servicing its credit card ( Barclays ). 

On or about XX/XX/22, I reported the issue to Barclays and received a case number for its investigation ( XXXX XXXX ). 

On XX/XX/22 I contacted Barclays for an update and was informed that the investigation had not been initiated and promptly would be started. After receiving another account statement with the disputed charge still being billed, I contacted Barclays on XX/XX/22 and was told the investigation with the merchant was not complete and that Barclays would remove the disputed charge while the investigation was underway. This charge has NOT been removed by the Barclays and is still on my bill along with two billing cycles of interest charges on it.

Further, Barclays never informed me in writing about the disputed charge or the investigation, in violation of federal regulation. Also, it has not completed its investigation within the required 2-billing cycle timeframe.

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 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX -XXXX  XXXX XXXX XXXX # XXXX -XXXX XXXX Account # XXXX -XXXX  Account # XXXX -XXXX XXXX  Account # XXXX, has violated my rights. 
15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2 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 non-monetary relief
Consumer complaint received 2022-06-25
Company: EQUIFAX, INC.
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:
Equifax is not updating my credit score I have several accounts and for the past few months on myequifax.com it been the same credit score for MONTHS and i want my credit score refreshed and updated i always have issues with equifax its bad enough they not reporting my XXXX XXXX  with a XXXX limit at all but XXXX and XXXX are reporting it CORRECTLY I ENCLOSED MY MORTGAGE AND MY LICENSE SO YOU ALL WONT SEND ME A STALL LETTER

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: NY
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: Problem getting your free annual credit report

Complaint:
I have been trying to access my free Equifax credit report on XXXX and it provides me with information that is NOT a part of my credit report and when I answer " None of the above '' to all of the questions, I get a message stating they can not provide my credit report and list mailing instructions. I am NOT sending this personal information through the mail! 

I go online to myequifax.com and XXXX though I have removed a 2017 freeze several times XXXX, it states that there is a freeze. I assume that was the reason I was unable to get my report on XXXX, but when I click on " Manage a freeze, '' I get the same type of message, that they are " temporarily unable to retrieve the status of your security freeze. '' I call and follow the automated system trying to remove the freeze there, I also get an automated message saying they could not process the request. I just stay on hold waiting for an agent who never comes on the line. So, essentially, I have no access to my own information and the freeze I have requested to lift multiple times in the past several years is still on my account with me being unable to remove it myself. 

I need my free Equifax credit report, I need any freeze on my account lifted, and I need to be able to fully access my own account on myequifax.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is incomprehensible to me how my PLEAS FOR JUSTICE AND ASSISTANCE IN THE FACE OF IDENTITY THEFT HAVE BEEN REPEATEDLY MET WITH A SEEMINGLY CALLOUS DISREGARD FOR MY PLIGHT. The nonchalant DISMISSAL OF MY CLAIMS HAS LEFT ME BOTH ASTOUNDED AND DEEPLY TROUBLED. Deep-seated emotions that words alone can not fully convey - emotions encompassing annoyance, distress, anger, and profound sadness. These emotions have been triggered by the persistent denials of my legitimate identity theft claim by your bureau. The relentless denial of my identity theft claim has subjected me to prolonged anguish and turmoil. I have been wronged, and my life has been marred by the consequences of unauthorized accounts and transactions that have taken a severe toll on my financial stability and emotional well-being. XXXX XXXX XXXX XXXX. Please delete these account ASAP.

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 2023-08-17
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:
Regardless of the previous written requests, the fraudulent items listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous items reporting on my Credit Report : XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$190.00} ; XXXX XXXX Balance : {$110.00} ; XXXXXXXX  XXXX Balance : {$610.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$730.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$190.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$610.00} ; XXXX XXXX Balance : {$550.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$90.00} ; XXXX  XXXX Balance : {$730.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$190.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX Balance : {$550.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$730.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX {$330.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$450.00} ; Chapter 13 Bankruptcy Date Filed/ReportedXXXX ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XX/XX/2022.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting 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. 
Account Name : 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 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.

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 2022-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
1 ) On or about XX/XX/2022 I reported XXXX obviously fraudulent charges from oXXXX XXXX. I was assured they were in dispute and no payment was due. 

2 ) On or about XX/XX/2022 Bank of America withdrew the entire amount from my checking account. I don't need to explain the financial distress this caused.

3 ) I have called and emailed almost every day to get my money back.

4 ) BOA has even assigned someone from their regulatory team to address the issue, no luck.

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 2023-11-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: LA
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:
Equifax has been reporting an inaccurate charged off account on my consumer report which has highly affected me from getting a home loan. I'm aware of the recent coding issue with this credit reporting agency as well as the Equifax data breach. According to the Fair Credit Reporting Act all information on a consumer report must be 100 % accurate or else it must be deleted. I want the inaccurate charged off account deleted. It is no way they have verified this account as accurate. How did they verify and who did they talk to according to the Fair Credit Reporting Act? I am holding the credit reporting agency accountable in resolving the issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: KS
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:
Account Number : XXXX XXXX XXXX is reporting this account as a " Legally paid in full for less than the full balance '', which should not be any derogatory mark. I paid this account in full, then requested the account to be closed when I joined the XXXX XXXX and the account should be closed, without any negative marks. Please remove this account from my credit report as it is a misrepresentation of a derogatory account. The balance shown is an erroneous amount that was caused by the company 's flawed reporting records. As I joined the XXXX XXXX ( XXXX XXXX ), I obviously moved and updated my address, in which, but XXXX  XXXX failed to notify me of the account 'NOT '' being closed. The XXXX XXXX sales representative sales manager stated my account was at a XXXX balance and my account was closed, in XXXX XXXX XXXX before my planned XXXX, and it was not updated on their end. This account is damaging my creditability and providing emotional hardships to remain employed in the XXXX XXXX. I have disputed this account numerous times within the past 3 years and I have not received any instrument of indebtedness, contracts with my signatures, or statements of agreement. This company has continuously violated my consumer rights with incorrect account reporting and negligent account reporting. Please update this account to " paid '' and remove all associated late payments or delete the account in its ' entirety.

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 2023-09-28
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been trying to get my teacher loan forgiveness app submitted/ approved by Edfinancial for over 2 months. Throughout the month of XX/XX/XXXX, their upload inbox for the signed application materials would not work and I consistently received error messages, including " The requested URL was rejected. Please contact your administrator. '' Support ID # is XXXX. '' I finally got my application items submitted on XX/XX/XXXX. The inbox said it would take 10 business days to review and I never heard back. I sent a message using their email system on XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX and have never heard back. I have tried to call multiple times. One time I was quoted 240 minutes and that I could " request a call back '' - they never called. Today I was quoted 180 minutes, 4 hours and 16 minutes later, they still have not answered the phone and I continue to wait .... I need them to please process/approve my Teacher Loan Forgiveness app. I am eligible for XXXX in loans to be waived due to my 5+ years teaching in a low-income school. Every day that they continue to ignore me, my loan collects interest. Not only do they ignore my TLF application, emails and calls, but they sent me " ecorrespondence '' on XX/XX/XXXXXXXX  about my interest and need to repay the loan, with no option to reply...

Company response to consumer: In progress
Consumer complaint received 2022-06-25
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 is missing that should be on the report

Complaint:
on XX/XX/2022 Letter to Remove Inaccurate Credit Information To whom it may concern : I received a copy of my credit report and found the following items to be errors. 
The following addresses are reporting incorrectly & must be removed immediately : The following aliases are reporting incorrectly & need to be removed immediately : The following employers are reporting incorrectly & need to be removed immediately : By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated 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 2022-07-28
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my multiple 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
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:
Since early XXXX I have been disputing inquiries from business agencies I do not recognize. I have contacted each business and they verified they had never received any online application or received personally any personal data from me at their local offices. I asked if it was possible to remove the unauthorized pull and they advised to reach out to credit bureau. I disputed through each credit bureau under section 607. Compliance procedures [ 15 U.S.C. 1681e ] and See also 16 CFR 698, App G-H 69 Fed . Reg. 69776 ( XX/XX/XXXX ) ( 2 ) Content of notice. The credit bureau only responded with the inquiries will remain for 24 months until deletion date. I have continuously sent dispute letters and they have not promptly responded within the law required time of 30 days. By law if they do not verify the information is accurate by evidence, then under the FCRA they must promptly delete inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was never my account! I'm not aware of this account. I never signed a contract with this account. I should not be held accountable for this account because it is not mine! I have already asked this account to validate this account, and it has failed to do so.

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 2023-10-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed these accounts that were fraudulently opened in my name with Experian multiple times. These accounts have been removed from XXXX and XXXX already. Experian refuses to remove them. Someone opened numerous car loans and credit card accounts in my name over a couple of months. I have attached all documentation I sent to them. I have been fighting this for over two years now.

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