BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: MO
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:
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 XXXX : XXXX, Account name : XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX : XXXX Account name : XXXX XXXX XXXX XXXX  : XXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX : has violated my rights. XXXX XXXX  Account name : XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: NY
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:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax on 1/10/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: PA
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-03-10
Company: ALLY FINANCIAL INC.
State: CA
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX  Inquiry : XXXX XXXX, XXXX, ALLY FINANCIAL Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2022-02-11
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: Investigation took more than 30 days

Complaint:
I obtained a copy of my credit report a month and found some incorrect items. I contacted the credit bureaus via mail. According to the law they are suppose to reply within 30 days. I have not heard anything back from them. This incorrect reporting has harmed my financials, my ability to get credit, XXXX loan and even a new job.

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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 fifth 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX Balance {$1700.00} Opened XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: Mid-Atlantic Finance Co., Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft, and this company has no record of me signing a contract with them claiming this debt belongs to me. I asked the company XXXX  times to provide documentation that this debt belongs to me, and they haven't provided any documentation yet. I need this removed from my account immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 2019-02-07
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX my employer called me into the office. He wanted to know if I was having some financial troubles. I just bought a house and a car so I could see where he would be concerned. I was confused because I wouldn't have been able to do those things if I had been having financial trouble. He continued on to inform me that they received a garnishment of wages and we could look into it further but they are required to begin withdrawing the money from my next paycheck. 

I had absolutely no idea where this has come from. My credit report is spotless. I monitor my credit score weekly with instant alerts if anything changes. This garnishment is from a 12-year-old debt but  has never once appeared for collections, I was never served court papers or notified by any means of a balance is due, that a judgment was granted or that garnishment would occur until it was too late. 

I've never heard of or from Midland Credit Management or XXXX XXXX XXXX. The name on the judgment is my maiden name from 11 years ago and the addresses listed were always outdated by many years. 

I was able to contact XXXX XXXX XXXX for proof of debt but I was mailed proof of purchase of the debt from XX/XX/XXXX. It was sold by XXXX  XXXX XXXX to Midland Funding LLC on XX/XX/XXXX. Then from Midland Funding to Midland Credit Management and then to XXXX XXXX XXXX. I am still unaware of the origination of the {$1700.00} which had then grown to {$4900.00} as of XX/XX/XXXX. 

The scariest part is that after my first garnishment, the balance due jumped up to {$5100.00} on XX/XX/XXXX. I may never get out of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX several occasion I have contacted Equifax Information Services LLC in regards to some allege debt that has been reporting on my credit report as deragatory or negative items. I request on many occasion that this credit bureau validate the allege debts but I have never receive any evidence of verified debt from original source. The credit bureau is suppose to request verifiable proof not partially but in whole according to federal law. The law require the bureau to only report the negative item if they have 100 percent verifiable proof in regards to the negative item that they are reporting. The credit bureau is suppose to get the original contract along with other documents from the original creditors and within 30 days provide the information to me. Equifax is reporting XXXX XXXX XXXX credit cards, XXXX credit card, XXXX, XXXX XXXX XXXX, XXXX XXXX, and a Bankruptcy as negative items or deragatory items on my credit report. On several occasion I have disputed these allege item and although Equifax fail to provide me with require information that these allege debt are 100 percent accurate, Equifax still reports these negative information on my credit report. I have receive letters from XXXX stating that they cant provide me with validation on debt, I have letter recent as XXXX/XXXX/15. So if they are sending me these letters how is it that Equifax is stating that allege debt has been verified. Also I have received letters from XXXX stating that they cant validate the allege debt but this negative item is till being reported on my credit files. Equifax needs to provide legitimate validation and fulfil their legal obligation by investigating the disputes. Equifax is suppose to exercise their responsibility with fairness, impartiality and respect for all consumers. Equifax never state how these allege debt was verified, whether by mail, by email, by fax, or by telephone. Equifax is violating the Fair Credit Reporting Act, The Fair Debt Reporting Act, and other federal consumer protection laws. Verifiable proof not partially but in whole is required by federal law, and negative items are only suppose to be reported when you have 100 percent verifiable proof. Now Equifax continue to report negative items on my credit report and fail to provide me with 100 percent accurate, legitimate validation of allege negatives that they are reporting on m y credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company : COLUMBIA DEBT RECOVERY LLC DBA GENESIS, has placed derogatory marks on my credit reports of {$250.00} and states that I tried to rent a property in XXXX and owed them money for some kind of review. My social security number was leaked during the XXXX leak and since then I've had to freeze my credit. I don't know how someone in XXXX is impersonating me and don't think that this should reflect negatively on my credit report because this company didn't do their due diligence in verifying that person 's identity. They have my old address from over 5 years ago listed but I've lived in XXXX, FL my whole life and never moved or attempted to move to any other city or state. 
In order to remove this they now want a police report from me regarding the XXXX leak and this incident and to go to a notary to verify that I am who I say I am, and images of my driver 's license, but apparently didn't require any of this to place this derogatory mark on my credit or request it from that person who impersonated me. I'd like for them to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I Applied for credit with XXXX XXXX XXXX Credit Card XX/XX/2019. They approved the card but moved the status to pending. So I was told that I needed to call Experian because I had a fraud alert placed on the account. I had this alert placed on the account to protect my account because Experian had been hacked and my account had been compromised. So I was given the contact number by the XXXX XXXX account rep to contact Experian at XXXX first off its very challenging getting a live representative on the line it took 5 phone calls and navigating through a endless stream of menus. Finally I got in touch with a rep and explained that I had applied for credit and needed to update my fraud alert because it did not have my phone number. When I initially set up the fraud alert on my account my main contact number was requested as part of signing up. So Experian was remiss. So she proceeded to ask 3 questions to authenticate the account I answered the 3 questions. The rep then explained that I had answered the questions wrong. My response was that I had answered the questions correctly and the problem was not that I had answered the questions incorrectly but the third party did not have the right information or marked a question that was accurately answered as wrong. I think the question in reference to my tag number they had was correctly answered but the third parties database marked it as being wrong and I said it correctly. So then I asked when could I called back to try again she replied that she could not give me that information but she would notate the Experian database so other reps would not allow me to add my phone number and that I could not call again. I would like for my report contact information on my Experian credit report to reflect accurate information according to the Fair Credit Reporting Act. It does not have my correct contact number XXXX posted on the fraud alert as it should. Why do they make it so difficult to do such a simple task as add a phone number.

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 2021-09-07
Company: JPMORGAN CHASE & CO.
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
When XXXX XXXX  bought XXXXXXXX XXXX XXXX the problems began. XXXX 's had a easy to work with XXXX XXXX card. Since the opened in XXXX, MT I think I had only 1 or 2 issues with them dealing with the credit card and or payment. Once it was because my local bank was absorbed by XXXX XXXX XXXX  and I forgot to change the checking account info which was a honest mistake. 

Well now XXXX XXXX enters the picture using Mastercard instead. I used their card to purchase only gasoline for my car never exceeding {$35.00} way back before Biden was elected POTUS Now it takes {$45.00} to fill up the same vehicle. 

I committed another honest mistake and forgot my password. Using their web site they make you call a customer service rep, most likely in XXXX as it's always a female voice trying to speak understandable English which I never can understand. When I ask to please speak to someone I can understand they hang up on me. You can not make a payment with their phone payment service. 

Most companies have a link you can use to easily change your forgotten passwords not this time. 

Please note it seems to me that several credit card companies are purposely making it obnoxious to try to pay by phone. Long winded make you write down payment options in advance before asking you how much you'd like to pay. Most genuine card companies used the language of current balance, statement balance or a different amount..not these guys. Seems they want to annoy you so you hang up instead. 

Best guess since this has gone along time I made a gasoline purchase of about {$24.00} or so and this is when the fun began of charging me late fees and interest..well over {$400.00} currently I believe. 

I wen to to XXXXXXXX XXXX service desk to have a witness when I made their company that took over the account for payment and offered them {$100.00} for clear the entire matter. They refused. I got a letter from that same company offering me a {$100.00} payment possibly with a 10 % discount offer just recently. However I had to go to the XXXX  and misplaced that letter. 

I can't see this fact any other way but I believe these 3-4 credit card companies are in cahoots to annoy their credit card customers into wasting money with expensive postage stamps and never intended to be customer friendly ever. It all happened around the same time as well. I maybe wrong but I doubt it. They love tacking on latre fees and interest to be wealthier, This cars is J P Morgan/Chase I believe..Chase has the credit cards in my understanding. I am not positive on this. Calling them when I missed their calls was useless as the XXXX  female speaking English always hung up on me there as well. As a positive note the company or agency they turned my account over to me was generally a pleasant outfit to talk to so I give them credit for being polite and understanding people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently received in the U.S. Mail a copy of my credit file from Equifax dated XXXX XXXX, 2015. Under their " Previous Addresses '' listed section it listed that I once or currently live at : " XXXX XXXX XXXX, XXXX. ; XXXX XXXX ; XXXX XXXX, XXXX ; XXXX ; Reported XX/XX/2015. '' In reality, I do n't live there, nor have I ever visited the State of XXXX nor do I know of anyone who lives in the State of XXXX. I currently work fulltime for the State of XXXX and have done so for the last 27 consecutive years. When I called Equifax recently to ask them to " remove '' that false Identity Theft State of XXXX address, they refused to do so!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: FL
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:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract withXXXX XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX XXXX and myself! Please send the proper validation

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 2018-05-11
Company: AES/PHEAA
State: NJ
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: Received unwanted marketing or advertising

Complaint:
I was called today by the XXXX XXXX XXXX XXXX about student loan forgiveness they were able to get all my information and they seemed like a scam. I spoke to someone named XXXX XXXX and he wouldnt give me his last name. They were to send my information to me but never did. Im nervous that my identity will be stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: DISCOVER BANK
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023 I purchased a XXXX XXXX on the XXXX XXXX located in XXXX XXXX Once I arrived I was notified that the cruise was cancelled because of bad weather and rescheduled for XX/XX/2023. I and my guests arrived at XXXX XXXX for the XXXX XXXX cruise only to find out that it was also canceled and rescheduled for the previous night XX/XX/2023. I was never notified by phone or email or any other way that the cruise was moved to yet another date. I filed a dispute with Discover stating all of the facts above. Discover claims that the charge was valid and no refund is available. At this point, I am to assume that Discover purchases are not protected against fraud which is clearly fraud.

Company response to consumer: Closed with non-monetary relief