BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: MicroBilt / PRBC (formerly CL Verify)
State: GA
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 would like to have any items that you are furnishing deleted from your company 's database because you are reporting information inaccurately as well as incorrectly and without my written consent to do so which is actually labeled as Aggravated Identity Fraud and a violation of my rights which is punishable by state and federal law. 

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

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 2023-07-18
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: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My identity was stolen and I reported it to the credit bureaus. They have my information reporting wrong and theres increased from XXXXXXXX XXXX XXXXXXXX XXXX  and from a lot of car loans in XXXX XXXX that I did not fill out for and they keep calling harassing me they will not stop calling me lol XXXX keeps calling me and they sold or linked my information out that I did not give consent to and they just keep calling sending emails about payments of about {$10000.00} that I owe and I dont know that and theyre reporting to the SBA into people the wrong 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 2023-06-08
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 erroneous 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04
Company: BARCLAYS BANK DELAWARE
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:
These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXThis is not mine.

4. Identity Theft XXXX  Account Number : XXXX  This is not mine.

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

7. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

8. Identity Theft XXXX XXXX  Date of inquiry : XXXX This is not mine.

9. Identity Theft BRCLYSBANKDE Account Number : XXXX  This is not mine.

10. Identity Theft XXXX  Account Number : XXXX  This is not mine.

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 2020-09-04
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: Investigation took more than 30 days

Complaint:
I have filed disputes with the experian, XXXX  and XXXX  I have yet to get an response from them. I realize things are slow right now they can still reply within the time allow 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 explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: SC
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:
On XXXX XXXX I mailed documents to Equifax for an account that does not belong to me. In that dispute I included proof that XXXX XXXX XXXX failed to validate their account and I have never received goods or services from this company. 
I thought it would be an easy fix. But, to my surprise Equifax verified the account as accurate and refused to provide any documents supporting their results. 
After EXTENSIVE research I've provided more proof to Equifax proving XXXX XXXX  XXXX were sued and are out of business. The account also states sold on my credit report. I have no idea who is updating this account. 
This account was removed from XXXX  and XXXX  without any problems since XX/XX/XXXX. 
on XX/XX/XXXX. I called Equifax because the account was not only verified as accurate, they even added on-time payments for a year. I have not made any payments on this account. 
I spoke to XXXX who was very helpful then I was transferred to XXXX in the fraud dept. XXXX was very rude. I asked XXXX to transfer me to a manager/supervisor and XXXX was even more rude than XXXX. They each kept calling me ma'am even after I stated several times that I am a man. They each apologized after being corrected by me. XXXX harshly said mister as if it was funny. 
I pay a monthly membership to Equifax and I have never encountered anything this terrible! XXXX assisted me with properly filing a complaint. 
I was just calling because I need to know how this account was verified after all the proof I've submitted?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to seek assistance and guidance regarding a matter of significant concern involving a legal action initiated by XXXX XXXX, a retail company, concerning an account that I have no knowledge of ever opening. I am deeply troubled by this situation as it has had a significant impact on my financial well-being, and I am unable to resolve it through direct communication with the company. 

Here is a brief overview of the situation : On XXXX XXXX, I received notice that Midland has filed a lawsuit against me for an account that I have no knowledge of and believe to be an error or a case of identity theft. 
Despite numerous attempts to communicate with XXXX XXXX midland and request information about this account, they have not provided me with any details or evidence that this account is genuinely mine. 
I have not received any documentation that would confirm my responsibility for this alleged debt. To the best of my knowledge, I have not engaged in any transaction with XXXX XXXX/ midland that would warrant such legal action. 
This situation is causing severe distress and financial hardship for me, and I believe that my rights as a consumer are being violated. 
I kindly request your intervention and assistance in this matter. I would appreciate any guidance you can provide in resolving this issue, including steps I should take to confirm whether the debt is valid or if this is a case of identity theft. If necessary, I would also appreciate any assistance in compelling XXXX XXXX to provide the necessary information to prove my liability for the debt they claim I owe. 

I have attached copies of all relevant correspondence and notices for your reference. 

Your prompt attention to this matter is greatly appreciated, as it has caused significant stress and financial burden. I am eager to resolve this issue and ensure that my rights as a consumer are upheld. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Spring Oaks Capital, LLC
State: AR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After attempting to fix this problem with the collection agency by sending in documentations for the fraudulent account that was open in my name which I had until XXXX XXXX dispute all or some which I disputed all of the account because of change of identity in my account ( under XXXX  ) it was done without permission.In the letter Spring Oaks Capital stated I had until XXXX XXXX to dispute this account which I did on XXXX XXXXIn the letter in also stated what else you can do, but it did state I could file a complaint with the FDCAP, it states I have the right to stop or limit how we contact you.Spring Oaks Capital put this account on my credit report after sending all the documentations of the incident and what occurred.If I disputed this amount why was this put on my credit report, which it should not be at all.Whoever is the attorney in fact should be held liable for this act.I never have had any attorney in fact so why did the attorney in fact put my name on any papers that does not constitute in representing me on any matter.Who is the attorney in fact who put my name on those documents? I been fighting for my identity for 22 years with the first FTC report of XXXX of XXXX reference number XXXX.I should have never been given my daughters SSN in number by the Internal Revenue Service and all other agents and other government agencies.On this day XXXX XXXX, first of occurrence of identity change was XXXX XXXXThe documents that I receive from XXXX does not have my signature or name on any of those documents this had to be in inside job at the Bank where I do business with.All disputes was filed within the time frame of XXXX first with Spring Oaks .On this day of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Google Compare Credit Cards Inc.
State: TN
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Purchased a Google play gift card from XXXX, {$25.00}. Tried to redeem it and was told to fill out a form. Weird, but I did with the original receipt included. Then they tell me I can't use it due to inconsistencies but won't tell me what. I'm pretty sure it's illegal for a merchant to refuse their own gift card. Afterwards finally I got an email straight up saying the gift card I validly paid for is no longer usable, a merchant can not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
MORTGAGE FRAUD RESULTING IN OVER 60 FORECLOSURE SALE DATES CREDIT REPORTING FRAUD SELECT PORTFOLIO SERVICING ACCOUNT NUMBER : XXXX In 2019 I have place several complaints against Select Portfolio Servicing regarding an XXXX  Report against me, FRAUD, staring SPS had closed the account out in the Credit reporting Agency, stating that I had accepted a DEED IN LIEU OF, states Bank Liquidation, proof has been submitted to them over 6 times now and they WILL answer my complaints and Stop all Foreclosure processes or they will see their name all over the newspaper and will be in court there are other Servicing issues involved and they need to go back to XXXX XXXX XXXX and get a detailed statement of how my bankruptcy payments were applied to my account with XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a case of Identity theft and fraud. I have provided exhibits A thru C in addition to other documents that I still request a response to. The alleged Bank of America itemizes billing statement say XX/XX/XXXX filed. I never had a loan with anyone in XXXX. The second alleged Bank of America billing statement states XXXX. Again I never had a mortgage loan with anyone in XXXX. The Mortgage was alleged to be XX/XX/XXXX. A true itemize billing statement does not change the dates back and forth. Exhibit A is the deed of the home and the first mortgage loan I ever had dated XX/XX/XXXX Warranty Deed. Not XXXX or XXXX. Then I received a release of Mortgage XX/XX/XXXX. Which was the same loan received in XX/XX/XXXX. As well as a congratulations letter stating the loan was paid off by the first senior lien holder. There was a subordinate agreement between the other lenders. If the home was foreclosed on by an alleged junior lender the first mortgage would need to be paid off first. However the home did not sale prior to the release of mortgage. A borrower does not receive a release of mortgage following a foreclosure. Exhibit C show the loan trail activity from XX/XX/XXXX all the way to the release recorded in the county deed records on XX/XX/XXXX. It also shows that there is no record of Bank of America as a servicer recorded in the deed records at all. Nor was there a recorded Assignment showing Bank of America as a loan servicer on any account in the recorder of deeds. With the information i provided clearly shows me a true owner of the home. Bank of America is not the owner of the home. I would like to let my evidence do the talking. Requesting a response to my complaint.

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 2020-11-21
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent a dispute letter on XX/XX/XXXX through Certified Mail to Experian requesting a reinvestigation and the Method of Verification for an account on my credit profile through Experian. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). XXXX  has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. The public record is non compliant, inaccurate, and unverifiable.

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 2023-10-25
Company: Experian Information Solutions 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:
I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 2023-06-15
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists This company has threatened to garnish my wages as well as saying they will sell my information to other companies. They have sent multiple bills to different address of family members that have same last name as me that I have not spoken too. I have asked multiple times of proof, even have gotten lawyers involved so the calls and mails can stop coming in. Im not getting approved for anything as they are saying they will report this collection to any loan agency or anything to hinder me to fix my credit and get approved. This account has been opened since 2021 and since then I have been attacked with calls and bills and threats of garnish or unemployment.

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 2023-03-16
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a call from a person no name or company was introduced! From XXXX a me asked me to verify my SSN/ info I refused! Said he calling from CONTRACT CALLERS I see they have a diff number when I said Im not familiar with his co he hung up as I searched there number is XXXX he said he had all my info here and he cant release my info without me verifying its me! 


I also got 2 text today from ppl I dont know this is a new number I have and I get all type of calls and text to say the least I place a block on text. 
Some jobs dont seem right either just want to gather your info~ like this one XXXX XXXXXXXX XXXX XXXXXXXX XXXX Less than 10 minutes left! Your one-way interview for XXXX XXXX is coming up at Monday, XX/XX/XXXX XXXX EDT! Click the link below to get started, or join from your computer using the link in your email. 
XXXX XXXX XXXX  If you can't attend, please reschedule or cancel with the link : XXXX  : XXXX And XXXX which I finally spoke to mgt but no job offer/ the recruiter was weird we spoke about trips etc then she called me back to say apply for another XXXX said she sent my info out but I heard nothing back I was fed Govt worker

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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 XXXX  account # XXXX, has violated my rights.15 USC 1681section 602 states I have the right to privacy. 15 USC 1681 sections 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written USC 1668 : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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