BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-24
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: Personal information incorrect

Complaint:
Incorrect spelling of my name is still on my report after i sent numerous complaints to have it removed. I think i know how to spell my name. My name is XXXX XXXX XXXX XXXX Not XXXX XXXX XXXX Also i have 1 address. The Florida address should be the only address listed. I do not live in Michigan at those other addresses. I am a Florida resident. It is my right to have incorrect information removed. Can you please remove these incorrect addresses immediately?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$530.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-24
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the Citi XXXX credit card on XX/XX/2021, and they declined me for this credit card within 30 seconds. My credit scores are between 712 and 730. I am a very responsible credit user and always keep my utilizations below 10 %. I do not have any late payments and I do not have any bankruptcies or derogatory marks or anything negative at all on my credit card. I have an income and feel that I should have been approved for this credit card. I now have a hard inquiry 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 2021-10-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On early XXXX, I received a collection letter through the mail indicated that I owe a balance of {$6500.00} to collection company called PORTFOLIO RECOVERY ASSOCIATES , LLC, it also states the Seller company XXXX XXXX  XXXX XXXX, Original Creditor XXXX XXXX XXXX I have never had any accounts with any of the stated banks or companies whatsoever, this is definitely an identity theft fraud account that have no clue where it came from or who would have done it. I filed a fraud account with both XXXX and XXXX as this account showed only on their credit reports. I also filled a Police Report at my city, and called the merchant XXXX to report fraud account. No updates have received yet up until today 's date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: Clark County Collection Service
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received orders from XXXX XXXX, XX/XX/XXXX to XXXX XX/XX/XXXX, XX/XX/XXXXin XX/XX/2022. The electricity was shut off at previous address in XX/XX/2022 through the servicing company XX/XX/XXXX XXXX. A balance was not stated on the last bill I received that month. In late XX/XX/2022, I received a notice of a debt in the amount of {$540.00}. I called and asked why I wasn't notified in XXXX and stated my situation but they sent my account to collections regardless. Apparently they sent a notification to the house I no longer lived at the the current residents kept the mail and I was never notified nor given a chance to dispute, arrange payment, etc. 
The amount is extreme due to a plan theXX/XX/XXXX XXXX offers, which does not stipulate that I wave Servicemembers Civil Relief Act rights by enrolling the program. 
Now I am in collections through Clark County Collection Service. The agent handling my debt claims to have never heard of the SCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 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 non-monetary relief
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.

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 2021-10-24
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The XXXX of XX/XX/2021 Caine WeinerXXXX damaged my credit history and dscore on XXXX, XXXX and XXXX and threatened they would damage my credit which they did which prevents me from doing business with other and getting high rates. 
Caine WeinerXXXX have violated Title 15 U.S. Code Subsection 1692e, Title 15 U.S. Code Subsection 1692f and Title 15 U.S. Code Subsection 1692d and I am seeking the removal from XXXX, XXXX and XXXX and my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was a victim of identity theft, I have made two complaints in the FTC department notifying each of the credit agencies XXXX, TRANSUNION, sending all my data from the accounts that do not belong to me, my identity and the complaint number that the FTC agency provided me, refusing to remove them from my cut, also request the creditors to send me a proof of the contract signed by me of these accounts that are reporting in my credit report through certified mail which certifies that they received it, which was not answered by them, so I open this dispute since there is no proof that I was the one who opened this account and someone used my data to do it, these accounts do not belong to me and these agencies are not doing the proper verification and violating my rights to fair credit by law. Disputed accounts that have not met the correct verification are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX. XXXX I have complied with all the requirements and regulations to identify that these accounts are not mine, my right to remove them is being violated and these agencies are not doing the verification well since all these accounts do not present veracity in any of the bureaus and also I do not It was I who opened them, nor have the creditors presented proof that these accounts belong to me. I ask that you intervene as the body that regulates these bureaus, since it is a process that they do not want to take measures to correct this, thanks.

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 2021-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
So I'm XXXX of 2020. I had received my funding from Nevada Pandemic unemployment assistance. It was XXXX. I had tried to use my card but they blocked the card for about 11 months..I just noticed that there was two transactions that got denied because of the block. Both transactions were for XXXX dollars. Stated it was submitted and payed out but I didn't get the money due to the card being blocked. I called and called Bank of America over and over just kept getting getting the card had been blocked and I needed to contact my sponsor. They have done this more than one occasion. I had contacted unemployment but they had me on a waiting list for 10 months. I couldn't even dispute the charges due to the fact that everytime I called they wouldn't even speak to me they would say contact my sponsor. I don't think this is right to take money that didn't get paid to me bacuse they blocked my card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: A.R.M. Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
About a month ago, I received a XXXX letter from A.R.M. Solutions concerning a purported debt of {$200.00} incurred by me in XXXX with a merchant ( XXXX XXXX XXXX  ) with whom I have never done business. I immediately replied by mail to the office and address provided in the letter, refuting the debt, and advising the company to desist from any further collection efforts. 
Yesterday ( XX/XX/XXXX ) i received a similar dun letter, without any acknowledgement of my previous correspondence, again demanding payment of this non-existent debt. 
I want this harassment to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX to sue and sue me of their mishandling of payment. The apartment complex and Fair Collections & Out has added derogatory information to my credit report. The apartment claims that I owe XXXX. I have EMAILS from the apartment complex stating that my original bill was XXXX, then it was XXXX, then XXXX. It is now being reported as {$5200.00} The company LOST the money orders I sent to them to pay this balance. I have EMAILS stating that they were not able to find the money I gave to them. The staff offered to 'discount ' fees if I paid again and/or set up a payment plan. 

I should not be held accountable for their lack of procedure. I should not be held accountable for the possible fraudulent act of the employees at XXXX XXXX XXXX I want this information removed from my credit report immediately. In addition to this derogatory and FALSE information added to my credit report ; note that Fair Collections & Out never sent me a letter to dispute or a Debt Validation Letter. If this is stated as an EVICTION on any court records I want it expunged.

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 2023-08-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is 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 items. 
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-24
Company: EQUIFAX, INC.
State: VA
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:
# 1... I had a debt from XXXX XXXX XXXX that was sent to XXXX XXXX and I paid the debt off over the phone with XXXX she stated they would flag it for removal and I also sent Equifax a dispute to have this taken off my report and when my 30 days were up the debt still remains on my report and shows not paid. I have reached out to XXXX credit in XXXX VA and she has stated that it has ben flagged last month for removal but Equifax will not remove it from my report. This is causing me a denial when I apply and they keep dropping my score I'm very disturbed by this matter and it needs to be fixed immediately. 

# 2 ... Also XXXX  XXXX  keeps reporting a bad debt once Equifax removes it they put it right back on there I am a victim of IDENTITY THEFT and this also needs to be removed and blocked from re-issuing on my report. these have been removed from my other reports from XXXX and XXXX, I need Equifax to be diligent and stop this I should not have to keep going through this every month. I have worked really hard on my credit and I refuse to let Equifax or a fraudulent person or company cause me any more hardship. 
I have filed a theft report with FTC AND A POLICE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX  Account Account # XXXX, has violated my rights XXXX  XXXX Account # XXXX, has violated my rights XXXX  Account Account # XXXX, has violated my rights XXXX XXXX  Account # XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors/agencies that is reporting this information on my report. I just want to inform you that I talked to the bank and they agreed to CORRECT the account. BUT TransUnion has some internal block which they're claiming they can use to not correct the account because they feel they're above the law. When questioned why they're not accepting the dispute letters and complaints, they claim they have an internal policy ( which is OUTSIDE FCRA laws ) and they're unwilling to explain why. I just want this account be corrected based on FCRA Laws. 

XXXX XXXX XXXX / 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 non-monetary relief
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
Report # XXXX, XXXX, Equifax is refusing to update my credit file. I was married in 2017 and have a different last name. I emailed the license to Equifax, but it continues to report to creditors that I have had no movement on my credit file since 2017 which is resulting in no population of a credit score. My credit history must be updated. I have provided my income, new name, and job. I am being denied credit because Equifax is refusing to merge my name, remove old information and report new information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: JPMORGAN CHASE & CO.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021 I was scam victim via XXXX when someone pretended to be my friend using his Whatsapp account, he asked me a favor to send a money to another person using her name and phone ( linked to XXXX account ) which I proceed to transfer {$200.00} via XXXX from my Chase account, I did because I assumed XXXX was safe, secure and trusted ( wrong ). Then he asked me for {$250.00} more, so I started suspecting of a scam and I called him to his phone number to ask about this favor, which he denied. I started my claim process calling to Chase ( none available to speak ) only automated services which doesn't have any options for this. 

Now XXXX doesn't have acknowledge responsibility ( none to talk ) and the bank also denies their own responsibility by saying, you did authorize the transaction. My complaint now is who verify XXXX accounts ownership? can " anyone '' use " anyone 's '' phone number and open a XXXX account on behalf " anyone ''? I spend one hour of my time being transferred 4 times and explain same thing to different customers representatives and at the end they said " we are not responsible for that, it is your fault ''. I am not trusting XXXX nor Chase to do any online transaction, thinking closing my accounts there too. 

I am 80 % sure that the person who owns the phone number doesnt have knowledge about what happened to her account with XXXX XXXX

Company response to consumer: Closed with explanation