BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-19
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
National Credit Systems is reporting fraudulent information on my credit report. I did not sign any renewal agreement with the rental property listed on my credit report. I have never been notified of the debt, and I have disputed the matter. The dispute was closed and the credit reporting agencies have simply listed that I disagree. My co-signer, at the time, reached out to inform me that the property I used to live in sent a balance to collections. She then requested they verify the debt. National Credit Systems sent my co-signer an itemized breakdown of the balance owed. Our rights have also been violated in requesting verification of the alleged debt. Based on 1006.34 ( c ) ( 3 ) ( v ) - They did not provide any documentation showing that I signed a lease with the property listed. They did not provide any information on how to dispute the matter, and they did not provide insight on the appropriate address to send disputes to. They also did not provide insight on how to request the original-creditor information electronically. This validation was sent electronically in 2019!! It has been a horrible experience to have my information stolen and misused by a property. Please help! National Credit Systems has failed to provide accurate information and I really need assistance in resolving this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-01-29
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently called and submitted a letter to Medical Data Systems Inc asking them to validate a debt. I never received information on the stated amount or that it be reported on my credit report. I asked them to provide the following information : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of  Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in Georgia ; and 7. Your license numbers and Registered Agent finally I ask Medical Data Systems Inc to remove the collection from my credit report until the debt is validated.

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 2021-02-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
a credit fraud alert was placed on my credit with EQUIFAX over 7 years ago. I have tried to remove this fraud alert with equifax numerous times, after 7 years this fraud alert should no longer be active, it causing harm to my ability to open credit and it is inconvenient. Equifax does makes it hard for fraud alerts to be removed, I am not able to get my free credit report as the law allows it due to this fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX AUT XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried to work with the three credit bureaus to remove these false, negative accounts from my credit file without any progress. I found the accounts listed below have been using the same debt several different accounts with different amounts, different open dates and false information. 

XXXX Act # XXXX This is the creditors thats listed below are also using. The same debt but with different amounts and dates XXXX  Act # XXXX XXXX Act # XXXX XXXX holdings Act # XXXX XXXX  Act # XXXX These creditors have used the same debt with different amounts, reporting different open dates, activity dates and last payment dates. 
I have attached documents to prove my claim. 
XXXX  also has one open on my credit file with the same account # as the ones listed as negative. I have the right to be treated fairly according to the law creditors must report accurately and if not the accounts must be removed. 

The original creditor that these are using was paid long before this was reported. 
The original creditor is XXXX which is XXXX XXXX. I have attached my bank statements that show I paid. The balance that I paid is far from the balance thats being reported. This is damaging my credit and preventing me from moving forward in rebuilding my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: ONLINE Information Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
ONLINE INFORMATION SERVICES violated my consumer rights under the Fair Debt Collections Practices Act. I'm not sure where ONLINE INFORMATION SERVICES received information that I, XXXX, consumer in natural person reported identity theft or fraud. 
I am refusing the debt. ONLINE INFORMATION SERVICES violated Title 15 usc 1692 ( b ). They violated 15 USC 1692 ( c ) ( a ) ( 1 ). They violated Title 15 USC 1692 ( b ) ( 2 ). I will attached the other violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, INC.
State: MO
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 appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Equifax and XXXX are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ; If Equifax and XXXX feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If Equifax and XXXX do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: AL
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:
My credit report for XXXX and Equafax has the wrong addressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The following accounts were opened fraudulent in my name without my consent. 

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 explanation
Consumer complaint received 2022-05-05
Company: Nelson Cruz & Associates LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Company called me at work and wantes to verify it was me and said thus was an attempt to collect a debt. I asked them to remove that number from their list, that i was at work and could not receive phone calls like that at work. I asked them to stop. Gave them an alternate number to contact, don't know what it is about except they are saying a debt. I have no debts in collections according to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My work establishment had a customer pay for bottle service and a private room at our work establishment, using XXXX as a form of payment. This customer signed a contract, fingerprinted the document, took a photo with it, and allowed us to scan his ID for proof of identity. This customer signed a contract stating he would not dispute the charge of {$1400.00}. This amount was sent to my bank account via XXXX, and I paid out my work establishment their portion of {$440.00}. Wells Fargo reversed the transaction of {$1400.00} back to the man who signed the documents ( he claimed it wasn't him ). This puts me out a total of $ XXXX have documentation to support the case. This is not a civil matter.

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 2017-06-16
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am deeply disappointed by CitiBanks poor communication and lack of respect for their customers. My experience could not have been worse. They closed my both business and personal accounts recently without giving me a reason and made me lose much of my time for trying to communicate with their personnel to resolve the issue. They made me cover expenses I was n't ready for because my accountants had to work extra hours to open new accounts for me and to reorganize financial flow.  <P/> The person responsible for my accounts closing is  XXXX   XXXX . Not only she failed to deliver a clear message that CitiBank decided to close my accounts ( she lives in  East Coast Time Zone  and used to call me when peopl e in Pacific Time Zone usua lly sleep ). She refused to handle the issue at all after I asked her to take into consideration our time zone difference. It is unclear wh y CitiBank creates the illusion that its local branches are a helping hand. Those branches are absolutely helpless and simply waste more of your time by holding on while an important person from East Coast makes   a decision.  <P/> This poor communication and unwillingness to reply questions made me feel that I am a mere rascal who was not even worthy of communicating with. All that comes into my mind is that they thought my account activity was illegal. I withdrew cash to pay salaries to my  XXXX  employees several times. If that became a real reason of kicking me out, then they took away my constitutional right for freedom. I have freedom of choice and I chose to use cash to pay salaries. If that is not a real reason they closed my accounts then everything is completely obscure. They never spent some time to explain me why I was treated as no one. Nor they did let me know they would close my credit account. I found myself in a completely miserable situation when my payment was declined in the shop. I 've made LOTS of attempts and spent many hours to resolve these issues over the phone, by email, and commuting to the local branches.  One of the Citibank local branch managers said that California is considered to be a fraud state by Citibank top managers and they used to simply close people 's accounts when they think there is something wrong. I value my time and I want Citibank make an appropriate refund and apologize for inconvenience. I will consider my company 's reputation and my personal reputation restored then. If needed, I can go to court and stand out for myself so other people would n't be treated like that. CitiBank re quires their customers to be transparent but are not to be transparent as well. This reminds me totalitarian regime and leaves a bitter taste of disappointment and frustration.

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 2023-02-24
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX 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 non-monetary relief
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-10-21
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Credit card company ignored exhibits I submitted as evidence of my dispute with merchant, their on line dispute platform failed to upload documents I submitted as evidence of my dispute. I had to reload documents after confirming with them that documents were not uploaded as their online platform relating false and incorrect data. 
The credit card company advised me of was an arbitration procedure which they refused to excercise and allow me the opportunity defend my dispute with the merchant. Included with this process the credit card company also failed to provide me with any exhibits they were provided by the merchant as a part of the dispute process. I have requested those exhibits which they have failed to provide as required. 

I was told by their billing dispute Dept that they would not accept exhibits from me in audio format from recordings I had provided them as evidence to support my dispute claim. They rejected my audio files and indicated to me that I would need to provide transcripts in pdf format of those files if I was submitting them with my claim dispute I provided those files and they ignored them as is evident by their dispute resolution result. 
I was also told that any pics previously submitted to support my claim even if submitted in pdf format would not be considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received my consumer report and was shocked to see that information on my Report was incorrect I didnt give anyone permission to run my credit so I contacted my bank to freeze all my accounts until further notice

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 2023-10-17
Company: Experian Information Solutions Inc.
State: TX
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 was dealing with only one account that's in question on my Credit Report. i don't know where did they get this information and why they furnished this on my files. 

XXXX XXXX XXXXXXXX Account # : XXXX I have been raising and escalating this to Consumer Reporting Agencies on multiple occasions and I haven't received any updates from them until 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
Consumer complaint received 2022-05-05
Company: EQUIFAX, 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, the following have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation