BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery has been calling my work several times a week since I cleared my credit report of false reports and debts with a company called XXXX XXXX XXXX. They sent a notice stating that I owed them- Portfolio Recovery- a sum of over {$17000.00}. This is false. The agent that I spoke to said that this is an old credit card debt that has passed the statute of limitations and can not be sued for. The agent would not listen to me stating that I do not owe them this money, the debt is not mine, to stop calling me and cease all communications. He continued to interrogate me with personal and financial questions, I refused to continue answering him beyond my name, address and birthdate. He kept trying to prevent me from speaking, talked over me and I demanded mail me proof that it was my debt and that I did owe his company so that I may give it to my attorney because I do not. I get approximately 2-3 calls a day at work and the mail is also delivered to my office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX I lost my job due to covid, I worked at a XXXX  and applied for unemployment. I did not receive my first unemployment check until XXXX. I reached out to XXXX when I got my first check and they asked for {$160.00} and I gave {$200.00} and was told that since I lost my job due to Covid 19 they won't charge me a late fee and it won't show up on my credit report. Also they put on my account that I was affected by a natural disaster. A month later in may I see that they marked my credit as delinquency and called them right away. I spoke to the manager and they said it was a mistake on their end and will wave the late fee and will let all three credit agencies know that it was their fault and that I was not late. I also received a letter from the manger XXXX stating that they will inform all three major credit reporting on updating. I waited a month and still nothing was deleted. I have tried to depute it with the credit agencies for months now and nothing has changed. XXXX told me that I was not going to be punished since I lost my job and since were are in a pandemic and recession. I keep calling XXXX and they keep telling me that it will be deleted and still don't see it deleted 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 explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
About 3 years ago, I started receiving credit card statements for a credit card from First Niagara Bank, XXXX. To be clear, I have never opened an account with, or done business with First Niagara Bank. They took over the former XXXX branches in our area. I used to have accounts with XXXX, but closed all of them out before First Niagara took over. When I tried to call about this mysterious credit card in my name, I could n't get information because my credit card # on the account is all " X 's '' except the last XXXX numbers ( XXXX XXXX XXXX XXXX ). I do n't even know if this is a XXXX or XXXX - but I was charged an annual fee & interest. I finally spoke to a local branch about this. Nobody could tell me how I came to have this credit card acct with no actual number or application attached to it. I told them to close it immediately. They said they would - and they did ... EXCEPT ... I then ended up with a XXXX cent credit, which kept the account alive. I have tried several times to get them to close this account and send me a check for the XXXX cents, or keep the XXXX cents. I do n't care which. That has never happened & it has been a few years now. I 'm still receiving the statements. More importantly, I recently noticed that this " account '' is showing up as a negative on my credit report. It is actually the ONLY negative on my credit report - and it says " pays as agreed '' next to it ( as if I have made some kind of payment agreement with First Niagara ) - when actually they owe ME XXXX cents - not to mention the fraud they have been committing against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/2019, I requested copies of my credit reports due to XXXX breeches- there were several accounts listed I had no knowledge of. I disputed each unknown account to each of the credit reporting agencies and all of the accounts were removed, with the exception of a XXXX account on my Experian report. I have subsequently disputed the Petal account with Experian on numerous occasions and have requested investigations into the method Experian used in determining if the debt was valid. Experian/XXXX   have neglected to provide me with an original signed application that was used to open the account nor have either of them provided any itemized billing statements detailing the charges supposedly on the XXXX account. The only information I have been able to obtain is the partial account number listed on the Experian report. Due to Experian 's negligence, I have suffered account limit reductions on legitimate credit accounts, denial of new credit/loan and overall drastic drop of credit score.

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 2017-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The bank sent me a solicitation to open new checking account that would issue a {$200.00} bonus after compliance with several steps. The exclusion listed in XXXX XXXX XXXX was listed as it has to be available only to new customers including holders of the so-called XXXX XXXX accounts. The offer pertains to ING online bank products which CapitalOne acquired several years earlier. The listing pertains only to XXXX XXXX accounts and it does n't mention INC XXXX accounts. When I contacted the bank supervisor about this I was told that my name was on the list although I admitted that I do not qualify for the offer extended to me. He then reaffirm his position that I should apply for the account anyway and that the bank will make an exception to its restriction on case by case basis. When I requested that email be sent to that effect, reaffirming this position, he refused to do so. 
Questions : 1 ) Why Capital One sends offers to people stating that they were pre-selected for the offer while in the same time knowing well they do n't qualify for it? 
2 ) Why the XXXX do not clearly state that ING XXXX accounts held prior are the disqualifying factors putting instead the " XXXX XXXX & gt ; ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, 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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. I need the following items removed from my Credit Report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX Balance {$7.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. I need the following items removed from my Credit Report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX  XXXX Balance {$460.00} XXXX XXXX XXXXXXXX Balance {$7.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
upon revieing my credit report to try to obtain a rental property i noticed that there were numerous items on my report that did not belong to me. XXXX acount # XXXX for {$84.00}, XXXX account # XXXX for {$98.00} and XXXX XXXX account # XXXX for {$830.00}. Theses account are not mine and do not belong to me i have never had these acoounts before. I have also made a report with identitytheft .gov report # XXXX please remove these account from my credit report immediately.

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 2017-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The account was opened without my consent. I want it removed immediately form my credit report. They are showing   XXXX   different reports to the credit bureaus.
  XXXX   XXXX   XXXX   XXXX   Account Number  XXXX  Account Type Credit Card Terms Revolving Date Opened  XX/XX/XXXX  Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days two times Status Updated XX/XX/XXXX  Balance {$430.00} Balance Updated - Credit Limit {$200.00} Past Due Amount - High Balance {$430.00} Monthly Payment {$20.00} Balloon Payment - Contact Phone BYMAILONLY Contact Address   XXXX   XXXX   XXXX  ,  XXXX , DE   XXXX   Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments -

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 2022-03-14
Company: Experian Information Solutions 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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX has violated my rights. 



Inquires : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 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 2020-08-28
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:
XXXX XXXX  on my credit report was do to the Equifax data breach was already removed from XXXX Report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
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: Account information incorrect

Complaint:
in the month od XX/XX/2020, I made my monthly call to XXXX XXXX to make payment on my auto loan and ask for a payoff. Agent told me the payoff was {$200.00} dollars. I asked was she sure, she said yes. She asked did I want to make payment by agent or automated system. I chose to use the automated system for which there is no astronomical fee. On XXXX XXXX, I made a payment of {$200.00} cents for the final payment with my XXXX XXXX XXXX XXXX debit card. The {$3.00} cents is the automated sytem fees. It has now been one month, I checked my credit only to find XXXX reports I still owe {$190.00} dollars. This loan is paid in full, my credit score is affected, and I want this strickend from my report. along with the 3 late payments XXXX said i made. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
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:
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. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Billing statement

Complaint:
JC PENNEY has completely failed to established the information you are reporting for the following account is accurate : Instead, JC PENNEY have provided is merely a computer screen print out that establishes nothing. I suggest JC PENNEY familiarize themselves with the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. XX/XX/XXXX et. seq. ) before proceeding any further. I suggest JC PENNEY review the applicable regulations which can be found at www.ftc.gov, the website for the Federal Trade Commission ( FTC ), the oversight and regulating agency for your industry. 

There JC PENNEY will find that, in accordance with the FCBA ( see specifically 15 U.S.C. XXXX XXXX, it is your responsibility to establish the following : No unauthorized charges occurred. 
charges do not list the wrong date or amount ; there were no charges for goods and services that I did n't accept or were n't delivered as agreed ; you did not make any math errors ; you did not fail to post payments and other credits, such as returns ; you did not fail to send bills to my current address ; and charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XX/XX/2020 a communication was sent out to XXXX, Transunion and XXXX  for identity theft after a report was filed with the Federal Trade Commission on XX/XX/2020. The communication indicated these reporting agencies to block/remove all fraudulent information appearing on my consumer report for debts I did not owe and accounts that were created through identity theft. Said credit reporting agencies have failed to completely remove the fraudulent accounts from my consumer file. This is defamation of character and a violation of my consumer rights.

Article I Section 10 of the constitution for the united States of America states, " No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post
facto law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. '' Per Title 12 Sub Section 411 of the United States Code, Federal reserve notes, to be issued at the discretion of the Board of Governors of Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the
Treasury Department of the United States, in the city of Washington, District of Columbia, or at any Federal reserve bank.

Any note constituting a " promise to pay '' is not legitimate. Due to House Joint Resolution 192, Set Off and equitable relief are asserted.

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 2022-07-20
Company: Experian Information Solutions Inc.
State: PA
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:
upon revieing my credit report to try to obtain a rental property i noticed that there were numerous items on my report that did not belong to me. XXXX acount # XXXX for {$84.00}, XXXX account # XXXX for {$98.00} and XXXX XXXX account # XXXX for {$830.00}. Theses account are not mine and do not belong to me i have never had these acoounts before. I have also made a report with identitytheft .gov report # XXXX please remove these account from my credit report immediately.

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 2022-03-14
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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