BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
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:
I instantly called Equifax the moment I received the copy of my report that I purchased with XXXX XX/XX/2022 and from the time when I saw some UNVERIFIABLE items on my personal profile, I discovered that there were CHARGE OFF and COLLECTION accounts 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 on my credit report which are UNKNOWN to me . This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 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. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these accounts are inadvertently resulting in me being extorted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: CL Holdings LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is the last email I sent them. I received a typed letter stating because of the age of this debit they legally can not report this on my credit or sue me but I could still pay on good faith. 

This is your notice from I, XXXX XXXX stated in my last email You are legally required to provide the following UNDER THE FAIR DEBT COLLECTIONS ACT the original signed contract by me and the original creditor, original documentation from the original creditor assigning you to the debt or original documentation that you own the debt. You have yet to provide original documentation validating the debt. You sent me a generic form that stated this debit was too old to report on my credit and past the timeline of suing because the age of the account and legally you can not report this on my credit. I have been called me multiple times day and night. I was also threatened with arrest and I was cussed out and called nasty names. Where is the original signed agreement with my signature and the original creditor? You have failed to validate this debit. This debit is not mine and its been 3 months so way past allotted time to validate this. You are legally required to provide validation of this debt. Threatening to report this invalid debt on my credit unless I write you in 30 days after I have asked for this information twice and you are ignoring my request for proof is against the fair debt collection practices act. You legally can not report this to the credit bureaus until you validate this debt that Im disputing. If you have already reported this on all of my credit reports you legally have to contact all of them and tell them this debt is being disputed until you validate it. Under the fair debt collections act you legally have to provide me the original documentation from the original creditor and verification that you own or have been assigned the debt by the original creditor. All collections act UNDER THE FAIR DEBIT COLLECTIONS ACT are to stop until YOU VALIDATE THIS DEBT. 
Signed by XXXX XXXX on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
FAIR COLLECTIONS & OUT/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Alleged account XXXX Date opened XX/XX/XXXX {$7400.00} bal I do not owe this company. I never had an account with them and the company they claim to represent is a apartment building that I do not owe and have previously taken to court for overcharging. Court found me in favor back in XXXX but somehow these companies have put this fraud balance and negative collection on my credit report. I have disputed it but they keep putting it back. XXXX states it can only be disputed by cAlling XXXX reference Report # XXXX. But this is an automated system that doesnt allow you to speak to representative.

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 2019-05-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On Sunday, XX/XX/2019 at around XXXX XXXX., I applied online for a XXXX XXXX XXXX   home loan. After completing the online application, I received an immediate phone call back from a very helpful XXXX XXXX XXXX online loan officer. The loan officer told me that I had a " Security Freeze '' on my " Equifax '' credit file and that he therefore could NOT access my " Equifax '' credit file so that I could get a " Prequalified '' letter from XXXX XXXX XXXX   in order to buy a condo for my primary residence. The loan officer then gave me " Equifax '' telephone number to call of XXXX to call to instruct them to " lift my Security Freeze. '' So I then immediately did so. I initially talked with a lady who identified herself to me over the phone as " XXXX '' with a thick/heavy foreign accent that made her so-called English unintelligible to understand. She then asked me several " security questions '' of which she said that I had " Passed. '' Then " XXXX '' asked me some more questions about my " credit card balances. '' I told " XXXX '' that I had NO " credit card balances. '' Because " XXXX '' did NOT like my answer she told me that I had NOW " Failed '' the interview and that she could NOT lift my " security freeze!!! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: PA
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 am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication XXXX  any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received letter for Macys Credit Card ending in XXXX regarding changes to an account in late XXXX, XXXX. This was a huge surprise, as my Macys account was closed many years ago ( I believe XXXX, or earlier ). 
I called the creditor, and learned that there were at least 4 accounts opened in my name ( of which, only 1 was ever authorized by me ; this appears to be similar to the fraud committed by XXXX XXXX a few years back ). 
On XX/XX/XXXX, I made numerous attempts via phone to verify how many accounts were opened, and remained open, and to get the creditor to confirm ALL accounts were closed, but was told differing information depending on the CSR I spoke with, and they continued to be misleading when I inquired whether ALL accounts were closed. I spoke with 5 CSRs ( XXXX, XXXX, XXXX, XXXX, and XXXX XXXX, and none would tell me the exact number of accounts opened in my name, only that there were at least 4. They refused to provide any account numbers for my tracking and reconciliation back to the 1 authorized account. 
They explained that no remaining accounts were open, and I requested formal documentation explaining this explicitly ( i.e., that I had no remaining accounts open, as I could not reconcile because I had only knowledge of the 1 authorized account, and they refused to give account numbers for the other 3 ), which they agreed. I never received that documentation.

For all I know there are still open accounts, or were more than 4 ( who knows!! ).

Regardless, only 1 account was authorized to begin with.

Im looking for confirmation that ALL ACCOUNTS IN MY NAME ARE CLOSED. Not one-off letters for a particular account that was opened without my authorization ; I can not reconcile this if I can not confirm how many unauthorized accounts were opened in my name to begin with. Huge problem here, and Ive seen companies fined millions for this very type of internal sales fraud, just like XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: NY
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:
This is one of 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 accounts 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 inquiries : XXXX XX/XX/2022 and XXXX XX/XX/2022. Please remove these inquiries ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: WESTERN UNION COMPANY, THE
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
XX/XX/XXXX : Purchased {$2100.00} Western Union Financial Services Money Orders at XXXX XXXX in XXXX TN. 3-Money Orders were issued to me in the denominations of $ XXXX + $ XXXX + {$150.00}. 

XX/XX/XXXX : I addressed the money orders to XXXX ( my mortgage company ) to pay my mortgage for XX/XX/XXXX. The money orders were mailed via First Class US Postal Service to XXXX XXXX XXXX, XXXX RI XXXX XX/XX/XXXX : My mortgage company, XXXX ( bank ) contacted me that I have not paid my XX/XX/XXXX mortgage. I called Western Union Financial Services toll-free number and was told to send {$15.00} fee to get a copy of the front and back of the paid money orders. I paid the fee but Western Union Financial Services sent me 1-copy ( out of 3-Money Orders. I have to pay extra {$30.00} to get the other 2-money orders. It now that I noticed that the 3-Money Orders were ALTERED and the receipient is now " XXXX of XXXX XXXX '' . 
XX/XX/XXXX : I copies of the Western Union Money Orders to my mortgage company, XXXX XXXX Chairman Office who DENIED that XXXX XXXX ever received OR cashed the Western Union money orders. 

XX/XX/XXXX : I sent a letter to Western Union Financial Services via a U S Postal Services CERTIFIED MAIL requesting for a FRAUD INVESTIGATION. 

As at today XX/XX/XXXX I have not received a response from Western Union Financial Services regarding my XX/XX/XXXX letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: NY
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:
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 an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$970.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: MoneyLion Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was paying on this loan ever month and then 3 or 4 months in they tried saying I was skipping payments witch I was not doing I need this removed from my creadit as they are XXXX  and stole my money

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions 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:
I DID NOT PROVIDE MY PERMISSION FOR THESE ACCOUNTS TO BE AUTHORIZED OR TO GET ADVANTAGES FROM THEM.

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 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
THESE COMPANIES ARE IN VIOLATION AND HAVE NOT FOLLOWED THE FCRA REQUIREMENTS AND HAVE REINSERTED A ACCOUNT BACK ON MY CREDIT REPORT WITHOUT NOTIFYING ME. THIS GOES AGAINST THE LAW AND I WILL FILE A LAWSUIT IF THINGS ARE NOT HANDLED PROPERLY.

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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2023, I sent XXXXXXXX XXXX XXXX XXXXXXXX XXXX a letter requesting a copy of a XXXX XXXX because they have claimed i owed a debt that was charged off. I received no response. 
On XX/XX/2023, I sent XXXX another letter, expressing my right as a consumer to opt out of my private information being shared with a non affiliated third party. 

I also disputed this with the credit bureaus to no avail. 

To date XXXX has not responded to any of my mailings despite me sending then certified return 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 2023-07-17
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good morning Express credit card : last XXXX of account number : XXXXComenity-express I paid off this account over the phone and requested it to be closed. The account was paid to zero. Then a couple weeks later I got a bill for XXXX XXXX i called the company and was informed that it was being recorded so I hope they still have it to confirm my part of my dispute. I had informed them that i paid off the account they looked into it and said that i owed a XXXX dollars for paying over the phone but when i was paying i was specific that no other charge was going to be added and our business was done then they said i had to pay again then i asked will i be charged for paying over the phone they said no so then i said so why was i charged in the start i refused to pay because i feel they are attempting to unlawfully take more money from me for no reason i paid off the account they are trying add charges that i was not made aware of and if they truly recorded our call i request those recording and it will verify my part. They have damaged my credit extremally and i would like help please. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: CA
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 ordered a copy of my report in MyFico and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. I am submitting this complaint myself and attached a copy of my Drivers license and Social security card, to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.

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: EQUIFAX, INC.
State: NJ
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:
Regardless of the multiple written requests, the ITEMS listed below are 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 items below in my file : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10
Company: U.S. BANCORP
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Per 15 USC 1681 the account information on both the XXXX and XXXX reports are seriously incorrect and should be removed from my report. The balances of the US Bank revolving account. 

A letter forwarded to US Bank on XXXX of my recension from providing non-public private information to any third party under 15 USC 6802 was sent. According to their customer agreement under section ( e ) I can and did withdraw this authorization in writing. The account should be removed from both reporting agencies reports. 

Disclosure of Information to Third Parties We may disclose information to third parties about your Card or the transactions you make : ( a ) where it is necessary for completing transactions ; ( b ) to verify the existence and condition of your Card to a third party ; ( c ) to utilize services of third parties and affiliate entities who assist us in providing the Card and related services ; ( d ) to comply with government agency rules or court orders ; ( e ) if you give us your permission ; ( f ) if you owe us money or there are legal proceedings in connection with your Card, in which case information may be released to attorneys, accountants, collection bureaus, financial institutions, and others involved in collection, adjustment, settlement or reporting ; ( g ) to protect against potential fraud and other crimes ; or ( h ) when otherwise permitted by law.

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 2022-12-08
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As of today XX/XX/22 you are trying to get me to pay {$68.00} and I have no idea for what?? I need more information on what I am paying for because to my knowledge I don't owe anybody anything! To harass me like this is with constant phone calls and letters is distracting me from my work and concentration in my life cause now I got ta deal with all this. I want extreme detail on why I am receiving these letters and calls.

Company response to consumer: Closed with explanation