BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: GA
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 am formally request for the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to removed of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXXXXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} 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 Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$15000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25
Company: EQUIFAX, INC.
State: DC
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:
In XXXX XXXX 's response dated XX/XX/XXXX, the company stated that they have verified the account by basically providing my personal information as verification. The company further claimed that because the account was opened online then they have no record of the signature. This is both invasive and frightening. The company should have had signature regardless of where the account was opened. Providing my personal information as proof that I was the one who opened the account is farcical as it is ridiculous. Identify thief happens everyday and if all the company needs to prove that it's a valid application is the person 's information is a ridiculous and dangerous assertion. The FDRA clearing states that the company MUST provide a copy of the application with my signature on it to  prove origin and ownership of the account otherwise the account MUST be removed from my credit report immediately. 

Furthermore the company chronicled the account being opened on XX/XX/XXXX and sold to XXXX XXXX on XX/XX/XXXX. Yet XXXX lists the account as being opened on XX/XX/XXXX even though that account had been in existence for almost two years prior. The fact that XXXX has posted erroneous information regarding the origins of this account means that this account MUST be deleted IMMEDIATELY from my credit report. 

It must also be noted that in the letter forwarded by the companies XXXX XXXX and XXXX deliberately withheld information regarding the amount that the account was sold to XXXX XXXX XXXX for. That information is important because if XXXX XXXX were paid an amount for the account. That amount should be subtracted from the amount that XXXX is claiming to be owed. The fact that XXXX is claiming the original amount owed but yet refused to provide proof of that amount is sufficient reason to question the balance being claimed and hence that inaccuracy is grounds for the account to be deleted from by credit report immediately. 

I remain committed to pursuing monetary compensation from all the companies involved with respect to the negligence shown in responding in an prompted manner, the blatant disregard for good faith due diligence and the continued stonewalling while my credit continues to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: FL
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or update 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have been disputing these accounts with the bureaus, THE ACCOUNTS ARE COMING BACK AS VERIFIED!! sent in numerous letters, nothing has been deleted, the bureaus pretty much ignored my concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: Block, Inc.
State: RI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This is against Cash App. on XX/XX/2023 I borrowed {$500.00} USD from Cash App and the agreement was for me to repay it on XX/XX/2023. On XX/XX/XXXX I made a mistake and paid it early which caused my regular checking account to overdraft. I contacted Cash app to asked them to refund it because it was done by mistake and they have been telling that the case was escalated however i have yet to get an update. I have reached out about 6 times calling as well as emailing with no response or update. I explained that it was an accident and that before I get hit with overdraft fees I would like them to refund it so I can deposit it back into my account and they keep giving me the run around and not answering my questions which makes me feel like they being deceitful or doing something fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Central Portfolio Control Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was contacted at the beginning of XX/XX/XXXX and requested that the company send me where the medical debt was from. They did not disclose where the bill came from, I was never sent anything so I called back again and asked where the medical bill came from and when the medical bill was sent to them and was sent to a different compliance worker who proceeded to scream at me and bullied me and when I asked to speak to another representative that was not so rude, he told me that there was no one else to talk. Also the worker said I needed to ask him a question that was actually a question but then I was told that I wasn't supposed to speak. So I had to ask him if I could ask a question. I filed a complaint with the company on XX/XX/XXXX regarding the employee to get his name and a recording of the phone call. A risk management director reached out and told me to call her or him and I have tried twice with no response. I have left call back numbers and emailed back to the risk manager director with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: EQUIFAX, INC.
State: TX
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 account XXXX does not belong to me. I have done research and discovered it is a secured card. I dont need a secured card as I have a credit card with my XXXX XXXXXXXX XXXX XXXX! Please REMOVE this its extremely damaging to my credit. 



Please also remove the address XXXX XXXX XXXX And the phone number XXXX from my credit report as these are other fraudulent things open in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I checked my credit report and sent out letters to Experian, XXXX XXXX XXXX to remove the late payments reporting on my credit profile as it is henerding me from getting credit! Pursuant to 15 USC 1681a ( XXXX ) ( a ) ( i ), Congress said, The term consumer report does not include transactions or experiences between a consumer and the person making the report. The line of credit in which you use and how you use is are Transactions, When you swipe a card thats a Transaction, Your Payment History is a Transaction. My experience is the Line of credit, so if my consumer report does not include the Transactions or experiences Then where does a LATE PAYMENT COME FROM? WHERE DOES HIGH UTILIZATION COME FROM? IT IS NOT SUPPOSED TO BE ON THE CONSUMER REPORT AT ALL ACCORDING TO CONGRESS! 

I have attached the letters sent, Law 15 USC 1681a ( XXXX ) ( a ) ( i ), & Copies of the 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 2020-07-29
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX a processor for XXXX XXXX 's locating office called and left a voicemail about a company, XXXX XXXX XXXX, XXXX attempting to sue me on counts of breach of contract and fraud. After leaving me a voicemail, the processor, XXXX XXXX, also contacted my employer and a friend of mine. These actions prompted my employer and my friend to call me and provided me with a case number as well as a contact number. When I called into the number for the collection agency, the agent claimed there was an amount of {$1200.00} due to a Cash Central creditor. The agent requested payment with a payment plan option and sent a vague validation letter to my email address. The agent also did not have my correct address on file and my gender in the letter is not correct. I have not received a written notice of debt. I even tried obtaining this information from the original creditor when the debt first appeared over 4 years ago and was not given a response. The last date the original creditor, Cash Central,  reported any kind of debt was XXXX of XXXX. The account has shown closed since XXXX of XXXX and no further communication was put out from the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 received 2 notifications of hard inquiry from 2 different companies which I did not do. XX/XX/2021 XXXX  XXXX XXXX and XX/XX/2021 XXXX XXXX credit.

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 2021-12-20
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
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: Account status incorrect

Complaint:
I checked my credit report and sent out letters to XXXX, XXXX XXXX Equifax to remove the late payments reporting on my credit profile as it is henerding me from getting credit! Pursuant to 15 USC 1681a ( 2 ) ( a ) ( i ), Congress said, The term consumer report does not include transactions or experiences between a consumer and the person making the report. The line of credit in which you use and how you use is are Transactions, When you swipe a card thats a Transaction, Your Payment History is a Transaction. My experience is the Line of credit, so if my consumer report does not include the Transactions or experiences Then where does a LATE PAYMENT COME FROM? WHERE DOES HIGH UTILIZATION COME FROM? IT IS NOT SUPPOSED TO BE ON THE CONSUMER REPORT AT ALL ACCORDING TO CONGRESS!

I have attached the letters sent, Law 15 USC 1681a ( 2 ) ( a ) ( i ), & Copies of the credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have on disputed this debt ( 3 ) three times with XXXX via phone dispute and letters stating the debt is NOT MINES and I HAVE NO KNOWLEDGE OF THIS DEBT. However, XXXX said they verified the information as accurate but did not supply who they verified the information with. 

Caine & Weiner placed an collection in the amount of {$190.00} on my XXXX credit report. Prior to checking my credit report, I had no knowledge of the debt. I NEVER received dunning letter or phone calls regarding this debt from Caine & Weiner. Therefore I was not afforded the right to do my due diligence to dispute or pay debt before it was reported on my credit. 

The collection agency ( CAINE & WEINER ) continues to report inaccurate negative tradeline on my credit report. I decided to give Caine & Weiner the opportunity to do the right thing and obey federal laws and provide me with concrete proof I owe this debt before taking legal action. 

As an FINAL WARNING before I invoke my right to legal counsel, on XX/XX/2018 another request for the debt to be validated mailed certified to Caine & Weiner ( see attached debt validation letter ) Caine & Weiner has NOT responded to my request or provided any PROOF that I owe this debt. They also have NOT deleted the negative remark from my credit file. 

By reporting negative tradeline on my credit report has defamed my credit history and Caine & Weiner have violated Texas laws as well as federal laws regarding Fair Debt Credit Reporting. 

Prove it or REMOVE it!! As they were so quick to put this on my credit report is how I want them to move to remove it from my credit file. Quick, fast and in a hurry!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Ad Astra Recovery Services Inc
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX opened on XX/XX/XXXX Balance is {$1000.00} Debt collectors are Ad Astra Recovery Service I have disputed through XXXX and XXXX  The most recent dispute was XX/XX/XXXX Started disputes on XX/XX/XXXX and sent disputes every time it was open again. 

This is not an account opened by me. I have never been to a payday loan place. I have no record of receiving XXXX dollars in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: VA
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 XXXXt Account # 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 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 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 2018-08-24
Company: MiraMed Revenue Group LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
When I negotiated this payment with the collections company ( XXXX ), I agreed to pay this as long as the entry was completely removed from my credit reports. This has never happened and I've tried a few times to call them with no results. This continues to show up on my credit report and damage my scores and ability to secure financial products. 

CURRENT ACCOUNT/WAS DELINQUENT 120 DAYS PAST DUE DATE. 
DIVERSIFIED XXXX XXXX PAID ORIGINAL CREDITOR CLASSIFICATION : Cable/Cellular ORIGINAL CREDITOR : XXXX AT T LAST REPORTED DELINQUENCIES : XXXX ORIGINAL CREDITOR : AT T PAID COLLECTION COLLECTION ACCOUNT CollectionAttorney Closed Highest Adverse Rating - Date:XX/XX/XXXX, Type : Collection Most Recent Adverse Rating - Date:XX/XX/XXXX, Type : Collection Prior Adverse Rating - Date:XX/XX/XXXX, Type : Collection XXXX XXXX XXXX

Company response to consumer: Closed with explanation