BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: McNeil & Meyers Asset Management Group, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Per CFPB COMPLAINT ID XXXX on XX/XX/XXXX : " McNeil & Meyers did not buy the account. We are a servicer of the account. We have coded the account to be closed and removed from XXXX XXXX credit bureau. We do not want to fight the dispute at this time. It should update on his credit report in about 45 days. Thank you '' As of XX/XX/XXXX, the {$220.00} account balance to MCNEIL & MYERS remains on my XXXX credit report. 

Why is this account still listed on my XXXX credit report, in opposition to the claims made by MCNEIL & MYERS 4 months ago? 

This false account must be removed immediately. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
They have restricted my account due to check activity, however, the mistake was made by the institution and not myself and the institution has rectified the mistake and proceeded to send me a new check. However, until the Navy Federal Credit union completes its investigation I have a negative bank account. My finances have been on a complete hold due to this process that was supposed to take 15 business days, now being told it will take up to 60 days. 

60 days with no money? My children are out of town and I mainly support their living expenses however they are not able to use these accounts because 1 all of their money was drawn from the account and fees were applied. 

I have been personally been treated as if I was a criminal and overheard staff members discussing my case while I was trying to resolve this in the branch in XXXX, GA. 

I have been out of travel expenses, wages, and personal pain and suffering from this whole ordeal without a since of empathy or care on how this could be altering my everyday living.

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: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
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/XXXX I was notified that my credit score went down by XXXX points due to a late payment at Macy 's. In XXXX of XXXX, my account was hacked and I updated my Macys app to a new bank account number. 
Unbeknownst to me, Macys removes me from auto payments since they tried to make one and it was sent back to the bank.

I called Macys to remove the credit report because : 1. I was not notified they pulled me from auto pay.

2. No attempt was made to contact me.

3. No letter was sent to me notifying me of any issues. 
When I called Macys the gentleman I spoke to told me I was not set up for auto pay. So we set that up and set up paperless statements. 
When I spoke to Macys, 1 day later ( I was informed no one could help me until the payment cleared ) I was informed that I had paperless statements that it was my job to open them. 
I explained I just set that up yesterday. 
She explained that they sent to me numerous notices. I asked what they were and she said : 1. We called you. I had no voicemails. She said all calls were unanswered with no message left. They never left a message!

2. They said they mailed me late notices. I said to where? She gave me an address I have not lived at for 11/2 years. I then asked how come I changed my address in my Macys app and you guys have sent me multiple products to my new address and you don't have it? She told me that the app does not speak to my " account '' so they had my old address. 
All of there reasons are unacceptable, to say the least. 
A consumer by law must be notified if they are going to be sent to collections for late payments. 

Nothing was sent to me and no call from them left a message. 

This single incident and their carelessness cost me a decrease in my credit of XXXX points. Which will cost me XXXX  of dollars in the upcoming years. They did not do their due diligence and it must be fixed. Please help. They have said their investigation shows no error on their part. They even sent me a copy of the letter they mailed to the wrong address PROVING they made the error and they refuse to budge. 

I can prove every inconsistency in their letter to me. I have proof that two of my bank accounts were hacked and had to be changed. In their letter to me they state that my auto pay was only set up in XXXX and that is incorrect. That was my bank 's first hack resulting in closing an account I had for over 20 years. 

I was not notified of an issue of none payment, as I continued shopping and buying items with no notification. Their letter to me is inaccurate and false. 

Please 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 2022-10-25
Company: EQUIFAX, INC.
State: RI
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:
These accounts are paid in full and please reflect paid in full {$0.00} Balance Dept of Ed/XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, 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 have been working on my Equifax credit profile and I noticed there is an incorrect addresses on my report. If you can also take a look at my name appearing incorrect as well. 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 names are XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


The incorrect Addresses are 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 


I am also showing an incorrect employer of both XXXX and there is XXXX XXXX XXXX showing that needs to be deleted. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: IN
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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

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: Paypal 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 usually check my credit score every week. When I checked this week as of yesterday, my credit has been used by someone other than me. The person opened three credit cards and a car loan in my name. XX/XX/XXXXXXXX pay pal account opened ( isnt mine ). XXXX XXXX XXXXXX/XX/XXXX ( isnt mine )XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ( isnt mine ) XXXX XXXXXXXX XXXX XXXX ( isnt mine )XXXX XXXX XXXX XXXX XX/XX/XXXX ( isnt mine ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: NJ
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:
To whom it may concern : The Fair Credit Reporting Act gives me the right to contest any information on my credit report that I believe is inaccurate. The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to conrm and verify the items are indeed reporting correctly or remove them permanently from my report. I want you to send me a hard copy of your actions and my updated credit report. The evidence of your actions and my updated credit report should be sent via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: SANTANDER HOLDINGS USA, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I was a victim of identity theft, and i'm not sure how my credit keeps getting compromised however i need this off of my credit IMMEDIATELY!!! I have already filed a police report an a FTC report for this Incident and I've also filed a report with the 3 credit bureaus ( XXXX, XXXX, and also XXXX ) for this account. 

( SANTANDER CONSUMER USA ) ( Account # XXXX ) ( opened on XXXX XXXX ) According to the FRA 605B of congress you'll have to comply with these Regulations of having this collection account closed and removed, and if not, I will be taking ( SANTANDER CONSUMER USA ) and also ( The three Credit Bureaus ) to court seeking punitive damages of {$1000.00} per occurrence. 
Thank You and I look forward to an instant resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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.

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 non-monetary relief
Consumer complaint received 2023-03-23
Company: Experian Information Solutions 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:
To whom it may concern : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data eld reporting. The information has not been proven to be true, correct, or veried.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards.For every account that youre reporting, I need evidence ( physically veriable ) that you veried the information to be accurate and compliant. For every inquiry I request proof that you conrmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Aldous & Associates, PLLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received letter from ALDOUS and Associates, P.L.L.C in XX/XX/XXXX regarding a debt for a gym membership that I did not owe with an amount on or about {$350.00}. Sent a dispute form to them in XXXX. XX/XX/XXXX, ALDOUS and Associates sent a form with my contact information ( name, old email, phone # and dob ) from the parent account that had enhanced privilege and was cancelled in XXXX, this time with a debt of {$220.00}. There was my contact info for which my father provided for the enhancement on his account that was cancelled, but no signed agreement with me as that didn't exist. His account was an autopay for $ XXXX then with enhancement, $ XXXX total. When he cancelled in XXXX, that was that. On XX/XX/XXXX, I sent a dispute letter correspondence denying the debt, requesting a copy of a signed contract between ME and the facility, requested that they do not contact me again and note to any credit bureaus that the debt is disputed. On XX/XX/XXXX, ALDOUS and Associates claimed my dispute was invalid because they claim I was sent a copy of executed agreement ( which was never sent as it doesn't exist ). They sent contact info of my father ( email, contact info address ), but again provided no contract between me and the gym in their rebuttal correspondence but threatened to report a different debt amount of {$250.00} to credit bureaus. {$350.00}, {$220.00}, {$250.00} which is it? The bottom of the letter states, " At this time, no attorney with this firm has personally reviewed the particular circumstances of your account ''. I am sending one last do not contact letter and filing this claim as I have never signed an agreement with the gym ( I have attended school out of state far away and use my school email ) and never signed a membership contract to a facility. I believe this to be fraudulent/scam attempt to collect money that isn't owed and ruin my credit, or terrible accounting records at the gym in an attempt to collect money. Guest access on a parent gym card, a gym membership he cancelled in person, doesn't convert itself into a separate new contract between me and the gym, becomes an unpaid debt to collect from me. I never signed a membership contract with this small gym. My contact info that is what parent provided as the guest to use the enhanced card doesn't make me an account holder ( not when I was a minor and not when I did not sign anything agreeing to terms as an adult ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXXXXXX Balance : {$620000.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$5200.00}.

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 2023-03-23
Company: Experian Information Solutions Inc.
State: LA
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 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: IL
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 Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
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 with Equifax to help clear my file. these reports are inaccurate an I need these items removed asap. review the information listed an update all items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: MS
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:
It is Equifaxs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. 

Equifax is reporting an inaccurate late payment for the XXXX XXXX account " XXXX ... '' This is a 30 day late payment posted in XX/XX/2021. 

This is incorrect and supposed to be reported as PAID AS AGREED. 

Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report.

A transaction constitutes these late payments resulting in Equifax violating my federally protected consumer rights. To add to this, I did NOT give Equifax written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ).

It is clear that Equifax violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination. 

I am trying to get business funding and this incorrect information is directly harming my ability to do so.

Company response to consumer: Closed with explanation