BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: NV
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 multiple written requests, the ACCOUNT listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the account below in my file : XXXX XXXX XXXX XXXX : {$810.00}.

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 2023-03-24
Company: EQUIFAX, INC.
State: TN
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 am interested in processing disputes on my credit report with Equifax to clear my credit report of all the invalid data listed that needs to be removed. review all information listed an correct my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TrueAccord Corp.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On my credit report, I saw a negativeaccountfrom XXXX XXXX, I went ahead and contacted the creditor, but I never receivedany responses. I went ahead and filed a complaint with CFPB, which then I finallyreceived a responsefrom them. In their response they failedto provide the proof that the account belongs to me. They failed to prove that I saw the trueowner of said debt. Insteadthey informedme that this alleged debt was now sold to a third party collection agency, untildate I have never receivedany communicationfrom them that the account was sold. I also never receivedany communication from Ture Accord ( the company XXXXsaid they sold the debt to ) that is a violationof federal law.I can assumethat both XXXXand TrueAccord know that under federal law they are required to inform the alleged person that the debt is being sold and that that person has 30 day to validate the debt, I have never receivedany of that communication. 
Becausenow XXXX and TrueAccord are in violation of federal law I am requesting this false account be removed from my credit report immediatelyas it does not belong to me. 

This is no way that a XXXX XXXX XXXX, XXXXXXXX XXXX all parties involved should be ashamed of themselves

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 2023-03-23
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phoenix Financial Services sent me a letter to collect a debt I do not owe. I don't have any accounts that are due other than what's on my credit report. I tried to file a police report but the police department said they can not help me. I am a victim of identity theft so Phoenix Financial Services may have obtained my information that way. I filed a dispute with XXXX because Phoenix Financial Services reported me as delinquent on the debt I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
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:
Someone has assumed my identity to apply and receive credit without my knowledge or consent. This has caused financial hardship to my credit profile

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 2023-03-23
Company: CBC Companies, Inc.
State: TN
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 been disputing my Innovis credit report for over six months both in writing and over the telephone regarding XXXX XXXX. My disputes have been repetitively ignored. According to the FCRA, Innovis is responsible for reporting accurate and complete information on credit reports. Unfortunately they have continue to fail that requirement and have ignored my requests to correct and complete my credit report so it is not in violation of FCRA requirements. First, The account is missing any Payment History, both good and bad. There is actually nothing listed on the report, it is blank. That is an FCRA violation. Second, both the Date of Last Activity and the Date of 1st Delinquency are missing from the report, again both are FCRA violations as these dates are required so as to determine the correct date the account drops off my credit report, and third, this account was settled back in XXXX between the account holder and XXXX. It is no longer a charge off but considered income by the IRS. The XXXX  was filed with the IRS back in XXXX and therefore the Balance on this account is inaccurate. There should be no balance because it is a settled account. Again, this is an FCRA violation. I have included a highlighted copy of my latest Innovis credit report, the XXXX XXXX and for brevity sake, my last dispute letter sent to Innovis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a checking account with PNC bank with a bonus promotion of {$400.00} with meeting a direct deposit requirement of {$5000.00} or more within 60 days, which I did and got email confirmation from PNC bank that I met the direct deposit requirement but I am yet to get my {$400.00} bonus even after raising a complaint with PNC and no one from PNC cared to talk to me. Hence, I am raising this CFPB complaint to help me get my {$400.00} bonus. 

Thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-17
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
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: Personal information incorrect

Complaint:
I received an email about my information being in the XXXX data breach so I pulled my credit reports and found there were multiple addresses that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The incorrect addresses are XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX, FL XXXX XXXX 

The incorrect names are : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX and there is XXXX XXXX XXXX. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-03-23
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I applied for unemployment in XXXX. I was told it would be 5-10 business days from when my card would be delivered. After a month of no care I called during spring break, XX/XX/23, to see where my card was. I was told it was just sent out that day and would be 5-10 business days. It is now XX/XX/XXXX and I still havent received anything ; I try using the hotline to speak to a live person and the hotline changed so no person is accessible, there is literally no option to speak to a customer service agent and the automated number hangs up on you. I am beyond livid with this way2go program that Florida forced me into. I pf it wasnt for the kindness of others I would be starving in a ditch thanks to the ineptitude that is Floridas unemployment program and way2go horrendous policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
The recipient said that he could increase my sales through a web hosting site as well as several different social media platforms. I was told that I would see progress within a day 's time. I have included a screenshot of the XXXX website where the recipient said that he would create a website to boost sales. I logged in today to check the status of the website and there was nothing there. I also included the conversations held by myself and XXXX XXXX XXXX. Since then, the recipient has changed his PayPal information. I am very uncomfortable with this transaction. I am a victim of fraudulent activity. A scam. And I have a right to dispute this transaction. The service for the item I purchased was not as described. I have yet to see any product, progress, or communication of any kind from the recipient mentioned. I demand to have the funds returned back to my account or the card on file. The email : XXXX  is my email. If there be any questions or concerns, please contact me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Credit Control, LLC
State: NC
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: Investigation took more than 30 days

Complaint:
XXXX XXXX, XXXX, I sent an email to Credit-Control requesting verification of an account with XXXX XXXX  XXXX Their reference number is XXXX. I requested proof/verification of the debt within 30 days per the Fair Credit Reporting Act. They never responded in any manner. 

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX cc : XXXX XXXX XXXX I am writing to inform you that this charge-off has not been proven. I have tried to resolve this with XXXX XXXX  to no avail. 
I am requesting proof for the charge-off : 1. Reason for charge-off ( which reason supports the decision ) 2. Date delinquency started 3. Dates of payments from that time until the charge-off was placed on the credit report 4. How many days from last payment to charge-off date 5. Full details and explanation that supports the charge-off 6. The accuracy of the amount owed Please provide copies of all documents to me supporting your findings.

According to the Federal Credit Reporting Act, you must prove the requested information. If proof of ALL of the above is not provided to me within 30 days ( by XX/XX/XXXX ), I am requesting that the account is not to be reported to the credit bureaus by you or any other collection agency ( meaning that you will not transfer or sell it to other agencies ) and no further collection attempts. 
Thank you, in advance, for your timely response.

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 2023-03-23
Company: Experian Information Solutions 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:
EXPERIAN is reporting an account on XX/XX/2023 on my credit report : Potential Account numberXXXX showing on EXPERIAN report. 

The report states a balance still owed, but this account have been paid off and closed as shown on all my other report from XXXX, XXXX and even experian prior to XX/XX/2023! 

on XX/XX/2023, report as well witch shows you are reporting inaccurate information that are affecting my credit worthiness without verifying accounts and my consent!. all other credit burau are reporting properly that all my student loan accounts have been paid of as agreed and with no balance owed including this account amount, you are even providing a different account number. 

Per 15 U.S. Code 1681 Without you being able to provide me with the original contract with my signature, I am requesting that U S DEPT OF ED and EXPERIAN to have the incorrect item removed immediately from my credit report that is causing damage to my name and credit worthiness. 

i need to make sure they not keep reporting inaccurate information and need the CFPB to have them comply with the laws and preserve my rights! 

Thanks for your help

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 2023-03-23
Company: EQUIFAX, INC.
State: TX
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:
according to the law these compainies are reporting improper information on my consumer report late payments or any transaction is againt the law to teport on my consumer report and should be removed asap! immediately. this company has violated me 5 times! 15 usc 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except 15 usc 1681 a-d Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Trust Financial LLC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have been working with the team at Trust Financial on a debt that I owe. They have been good to work with. I still dispute the debt with the original creditor, which has nothing to do with Trust, but know it should be reported to the credit bureaus based on what they have. However, when I saw the debt on my credit report it is being reported by a XXXX XXXX XXXX XXXX. I have never heard of XXXX XXXX before this and have never been contacted by them. I tried to find information on XXXXXXXX XXXX within the state of Idaho and when I did I found documents that show that XXXX XXXX has been dissolved as a company by the state. I did further research and see that the principal names on the documents also own other agencies in the state of Idaho, including a law office as they are lawyers. I tried to call XXXX XXXX and the number was not for XXXXXXXX XXXX, but a number of other collection companies. I spoke with an agent from Trust Financial, and they said that they " bought '' XXXX XXXX. When I asked then why it is XXXX XXXX as the owner of the debt and that I saw it as fraud, the person I was speaking to told me they would hang up on me if I continued. I asked how a company that no longer exists can report to credit bureaus and the agent hung up on me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
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: Account information incorrect

Complaint:
XXXX XXXX, Experian, XXXX, and XXXX have all failed to help correct the inaccuracies in my consumer report. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I will attach all three different accounts that is reporting inaccurate information on the XXXX XXXX XXXXXXXX XXXX. If you can fix the information please do so if you can not figure out why all three Reporting agencies are furnishing inaccurate information YOU SHALL DELETE/REMOVE THE XXXXXXXX XXXX ACCOUNT ON ALL THREE CONSUMER REPORTS.

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 2023-03-24
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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 XXXX 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 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 XXXX1400.00}.

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 2023-03-24
Company: EQUIFAX, INC.
State: PA
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation