BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: PR
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: Problem with personal statement of dispute

Complaint:
I found out in XX/XX/XXXX that a collections account was added to my credit report. When I looked at my credit report, I found that it was from a medical office. I never received any correspondence or phone call from the medical office or the collections agency that this bill existed. My credit is ( was ) perfect and I always pay my bills on time, so I was shocked when this showed up. 
I reviewed and followed the procedures on the CFPB web site and sent ( via certified mail ) a debt verification letter to the collections agency asking them for a debt validation letter. I waited 30 days past the date the letter was delivered after never receiving a response. 
I then proceeded to send all 3 credit bureaus a copy of the debt verification letter, a statement about what occurred ( that I was never contacted ), and under the Fair Debt Collection Practices Act, requested that they remove the collection account from my report. 
I called Equifax on XX/XX/XXXX asking if they received my letter. They had not, but said I could upload my documents to their web site and initiate a dispute. I told them I did not want to initiate a dispute, but wanted the collection removed from my report because I went through all of the proper steps according to the CFPB. They said they need to initiate their own dispute no matter what my letter says and reach out to the creditor to verify it themselves because they couldn't trust what I did. I told them I do not want that. 
Meanwhile, XXXX removed the collection from my account, no problem. I know Equifax is not following the proper procedures for this situation and I did what I needed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I found out that I have two evictions on my credit report which I have no knowledge about and it has been filed since 2017. I requested and provide all documentations to prove that shouldnt be on my consumer report, but it still hasnt changed and its preventing me from renting and getting credit insurance and more. Please help me investigate and delete all those false inaccurate information on my consumer report so that I can be able to rent a place to stay

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 2023-06-24
Company: Modlin Slinsky, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to file a complaint against Modlin Slinsky ( debt collector ), P.A, Attorney for Plaintiff, XXXX XXXX XXXX XXXX in conspiracy with XXXX XXXX XXXXXXXX XXXX witness for what appears to be perjury by affidavit and unfair and misleading debt collection practices. On XX/XX/2023, I received notice from your company regarding an alleged debt of {$990.00} that I allegedly owe to XXXX XXXX XXXXXXXX XXXX. The notice included an affidavit signed by Assistant Custodian or Records for XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX identified as AFFIDAVIT OF INDEBTEDNESS dated XX/XX/2023, which I believe contains false statements. 

Specifically, the affidavit states that " After giving Defendant credit for all payments made, if any, the amount justly due and owing as of XX/XX/2023 is {$990.00} '' ( Exhibit B ). These statements are untrue and have been made with the intention of deceiving me into paying a debt that I do not owe as expressed by supporting statement with closing date XX/XX/2023 ( exhibit A ). This constitutes perjury by affidavit, which is a serious offense under the law. 

Furthermore, The I have attached a formal NOTICE OF DISPUTE AND VERIFICATION OF DEBT REQUEST NOTICE OF REQUEST FOR ACKNOWLEDGMENT NOTICE OF REQUEST FOR RELIEF for futher clarification of the alleged obligation. 

I demand that your company immediately cease all attempts to collect this alleged debt and remove any negative information from my credit report related to this alleged debt. If your company fails to comply with this demand, I will have no choice but to pursue legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: Experian Information Solutions Inc.
State: GA
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:
ii HAVE PAST THE 6 YEAR MARK FOR ATTEMPTING TO COLLECT A DEBT AND I EXPLAINED THIS TO ALL THREE BUREAUS. THESE ITEMS NEED TO BE REMOVE IMMEADIATELY :
DEPARTMENT OF VETERAN AFFAIRS XX/XX/XXXX
XXXX XXXX XXXX XX/XX/XXXX
XXXX XXXX XX/XX/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 2022-09-12
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:
I asked the credit report to correct inaccuracies an they didn't! 

In accordance with the FAIR CREDIT REPORTING ACT : XXXX is showing ACC. # XXXX from XXXX XXXX XXXX is showing ACC. # XXXX from XXXX XXXX is showing XXXX XXXX XXXX from XXXX XXXX XXXX is showing ACC. XXXX XXXX from XXXX XXXX XXXX is showing ACC. # XXXX from XXXX XXXX is showing ACC. # XXXX from XXXX XXXX is showing ACC. # XXXX from XXXX XXXX XXXX is showing ACC. # XXXX from XXXX XXXX ALL HAS VIOLATED MY RIGHTS 15 USC 1681 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

US DEPT OF EDXXXX XXXX , US DEPT OF ED/XXXX/XXXX XXXX, US DEPT OF ED/XXXX/XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 an 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 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 2022-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
hello I am attempting to resolve issues I am having with debts being reported on my credit report that does not belong to me. The creditors bon my credit report were made aware that I was a victim of identity theft in 2019. I reported the identity theft incident along with notifying the registering through the ftc, gov to file a report. I recently re- requested debt validation of the fraudulent debt being serviced by the bureaus and was instead sent a manila envelope where inside i found four months of a credit card statement from capital one that has my name on it. These photocopies are of an account that Ive never seen nor used. This print out was not from the current agency. They just sent papers from the previous debt servicer with my name and a previous address. This is not authentic proof to compel anyone with common sense into being secure in ownership The bureaus is attempting to collect {$480.00} from me. 
for a Capital one account they say ive opened. This along with other accounts were opened in my name during my senior year of high school. Not only are the trying to collect a debt I did not create, the company reuses to provide real debt validation information to include the original contract or affidavit showing that I allegedly signed to establish the account. It can not exist as this is idenity theft and not mine. 
They have the burden of proof. My rights have been violated, this account should reflect that it is in dispute. It does not that is a XXXX fine penalty. 
The account is being listed on all major bureaus improperly, as an open collection I have not established any credit or entered into a contract with them to have an open collection with the bureaus account. with a balance due. the deceptive way the debt is being reported is causing more damage than necessary. 

I ask that you help me encourage the bureaus collection agency do what is right and remove this erroneous information from my credit file. thank you in advance XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: Experian Information Solutions 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. 

Account name : XXXX XXXX XXXX  Account Date Open : XX/XX/XXXX Account Amount : {$1000.00} Account name : XXXX XXXX XXXX Account date open : XX/XX/XXXX Account amount : {$170.00} Account name : XXXX XXXX  XXXX Account date open : XX/XX/XXXX Account amount : {$2100.00} XXXX Account list above 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 vears. 

15 U.S.C. 16815-2 ( 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 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 2021-10-09
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX unable to get a response to why, online account, temporarily unavailable. XXXX, I went into XXXX Suntrust Bank XXXX @ XXXX to ask why received {$36.00} dollars overdraft fee when have no overdraft protection requested attached to account. XXXX XXXX XXXX said unable to refund. I didnt know why not. He pushes my card back throw window. I call Suntrust again ; no answers. 

I applied money prior to 5 day penalty stated on account. I pay my bills from this account and have current drafts coming out. This is wrong and scam. 
XXXX Suntrust tellers on XX/XX/XXXX state contact fraud department, XXXX ( XXXX ) XXXX, to get answers. 
I tried to contact Suntrust the entire, via phoneXXXX or email, rest of the day to strive to get questions answered. I was given the run around from number to number. One kind lady appeared to return my disconnected call, XXXX contact number, she sees I was disconnected and was looking for answers. 
XX/XX/XXXX received call from XXXX ( XXXX ) XXXX ext XXXX, XXXX XXXX. 
I returned and called XXXX XXXX ,4-5 times; left messages after she called me on XX/XX/XXXX @ XXXX. All Suntrust phone line system dropped my calls after told your wait is 25-30 minutes and recording. I have received no check of monies refunded within mail as they stated on one occasion via phone, XX/XX/XXXX. I have received no email or letter mail statement of my accounts on regular. I requested paper trail due to this scam antics. I then, asked for copy of accounts, printed off. This is the worse service ever and nothing is truist or trustworthy about this. Wow, this is unlawful and unacceptable. If I were white would this be happening. Systematic and respect of person. 
May XXXX have mercy. Thank You, XXXX in advance.

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 2021-10-28
Company: Bread Financial Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Comenity/Zales has on my credit report a debt that is not owed. I purchased merchandise XX/XX/2017 and paid CASH. See attached receipt. This is the only time I've ever purchased anything from them. I have had to dispute this with many collection agencies in which they did remove it as to proof of purchase with a XXXX balance. Unfortunately, Comenity/Zaes has not removed it from my credit report which has a huge negative impact. They even show that I had been making payments and that I opened an account back in XXXX. That information is incorrect and I am being penalized for inaccurate information..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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:
As of XX/XX/2022 I tried reaching out several times and filling disputes with XXXX and XXXX to update my loan balance to reflect XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The issue has yet to be resolved. They have not solved the reason for why my name was associated with an incorrect address. See issue below. 


I have just learned that Capital One had an INCORRECT address on my file, which was the reason I had a fraud alert on my account and was put through chaos trying to activate a credit card ( for which I ultimately cancelled ). An address that was my father 's rental property ( for which I have ZERO ... .ZERO ASSOCIATION! ) ... .. I have never lived there, I am not on the loan, etc ... .there is NO record of me with that address ... .and yet Capital One had this address under my name. The address is : XXXX XXXX XXXX XXXX XXXX XXXX, CA How do I know this????? The fraud dept sent a letter to the address ( tenant ). The tenant sent the letter to my father, who then forwarded it to me. I verified with XXXX  and XXXX  that this address does NOT exist on my address history. How did CapitalOne get this address associated with my name??? Total incompetence from most of Cap1 's customer service. I have closed all accounts, but I want a resolution on how this misinformation was added and then used to deny access to activate a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, 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:
NEVER LIVED AT ANY ADDRESS OR HAD THESE NUMBERS THEY WONT REMOVE THEM ( XXXX ) XXXX Cellular ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CA XXXX Under dispute Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Under dispute Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX Under dispute Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, CA XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXXXXXX, CA XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX CA XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Under dispute Resident type Multifamily XXXX XXXX XXXX XXXX, CA XXXX Under dispute Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX  CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family Date of birth

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX i placed ordered XXXX dollars to be sent from my Charles Schwab checking account too another bank. Before submitting i was informed that my information may need to be verified at one point to confirm the transfer. 

I tried too login again on the XXXX and was notified that my account was locked and that it will be unlocked in the following few days. I called back later in the week and was informed my account was closed due too a business decision and its possible that my funds will be kept by Charles Schwab as they have the right too keep those funds. 

I have since been calling every other day too try and get more information and they keep saying that the security department may get back to me at some point but i have received no communications of any kind from them. I have even managed too get my information verified by a tier 2 specialist named XXXX over the phone but again have not heard back I desperately need that money back and need someone to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 non-monetary relief
Consumer complaint received 2022-06-14
Company: Upgrade, Inc.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have contacted upgrade customer service numerous times now regarding not being able to add my debit card to XXXX pay. They have already replaced the debit card and issued it a new number after that didn't work I was also told incorrect information including XXXX pay is not available which is incorrect after escalating to a supervisor I was supposed to receive a call back and the problem was supposed to be corrected and it never was. I need to be able to use XXXX pay with my account and have been blown off now several times because I am unable to add it to XXXX pay I am getting an error saying it's an invalid card when it is not.

Company response to consumer: Closed with explanation