BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-16
Company: EQUIFAX, INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This Issue was resolved year ago and now this company is trying to collect money that i never owned before XXXX Equifax XXXX they removed and now this company put it back again on my report while XXXX XXXX XXXX did removed from my report. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: ALLIANT CREDIT UNION
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:
On XX/XX/2023 I made my normal minimum payment of {$450.00} this payment was made before 30 days of being late. I happen to call 6 days later they told me my payment was 36 days late and I said I made the payment on XX/XX/2023... They proceeded to tell me this month your min payment was {$450.00} so a {$1.00} is 36 days late. No one gave me a courtesy call and they are accessible to my savings account which states in writing they are okay to deduct any payments needed to fulfill any credit card or loan payments.. Which happened the day that I made the call they easily deducted the {$1.00} that was missed. Not to mention I have never been 30 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received bill from XXXX XXXX XXXX XXXX , XXXX stating that I owed XXXX dollars and that I am in collection. According to the Staff, XXXX XXXX, my insurance recently paid the account in XX/XX/XXXX and I am now in collection. 

I contacted the Hospital, XXXX XXXX XXXX XXXX XXXX Hospital, and spoke with the billing department. They indicated that my bill is paid in full for both the Hospital and Physician and that I do not owed a bill. 

I communicated to this to First Federal Credit Control and I ask for something indicating why I owe the bill. I staff became rude and informed me that she will report my account to the credit bureau to damage my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
Experian is listing this mortgage in the credit card category. It was never a credit card it is and has always been a mortgage. By Experian listing it this way it puts my credit utilization number in the 40 % category. All of the other credit reporting agencies have it listed where it Is supposed to be. The other agencies have my credit utilization at or around 19 %. The debt is not in dispute the listing is. I have reached out to Experian twice to no avail. I contacted the mortgage company and they agree with me and have it reported as a mortgage. For some reason Experian keeps listing it in the credit card category which is drastically affecting my credit utilization and score. The company is XXXX XXXX XXXX ( debt around {$30000.00} ). They are not the problem Experian is ... ... ... PLEASE HELP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 34 % Balance {$150.00} Balance updated XXXX XXXX XXXX  Credit limit {$450.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX XXXX  Account type Secured Card tatus Account charged off. {$150.00} written off. {$150.00} past due as of XXXX XXXX 
Status updated XX/XX/XXXX Past due amount {$150.00} Highest balance $ XXXX Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone number ( 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 explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX, XXXX XXXX Account # XXXXXXXX XXXX Account XXXX XXXX, Bankruptcy XXXX XXXX XXXX Account # 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 a consumer to any 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 2023-05-14
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: Information belongs to someone else

Complaint:
Fraudulent charge off account on my credit report : XXXX XXXX XXXX XXXXXXXX - 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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

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 non-monetary relief
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I called XXXX XXXX today. XXXX  XXXX admitted fraud investigation was after cards were canceled and then charged off leaving a lump sum due of {$1700.00}. They then offered a lump sum payment as settlement. 
After XXXX, I couldnt afford a lump sum then and I cant now and that is why I was faithfully making my monthly payments with a mid XXXX score. Its all in record today with the quality assurance taped recording.

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 2023-05-14
Company: Experian Information Solutions Inc.
State: SC
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 XXXX. account # 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 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-05-17
Company: Receivables Performance Management, LLC
State: CA
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:
Re

ceivables Performance Management LLC. Has violated the Fair Debt Collection Practices Act, and Defamation of my Character
by breaking these laws. Attached is a copy of an AFFIDAVIS OF TRUTH, a copy of Exhibit A, and an INVOICE for the violation they broke

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 2020-07-09
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I AM STILL HAVING A PROBLEM WITH EXPERIAN BOOST AND OTHER REPORTING ISSUES. I HAVE MADE MY XXXX XXXX PAYMENT TO QUALIFY FOR THE BOOST TO INCREASE WHICH IT HAS INCREASED.. HOWEVER EXPERIAN BOOST AGAIN DID NOT REFLECT MY PAYMENT TO INCREASE MY FICO SCORE AGAIN. I ALSO HAVE SETTLED 1 ACCOUNT IN FULL. XXXX XXXX  FOR XXXX ON XX/XX/20 AND EXPERIAN REFUSES TO UPDTE MY ACCOUNT.

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Director Consumer Financial Protection Bureau [ CFPB Mailing Address ] Attn : XXXX XXXX, Complaint Subject : Opting Out of Authorization and Request for Corrections Dear XXXX XXXX, I am writing to inform you, as a federally protected consumer under the FCRA, that I am opting out of any and all authorizations provided under 15 USC 6802. This opt-out includes written, unwritten, verbal, and non-verbal authorizations and is effective immediately and indefinitely.

Upon reviewing my credit reports, I have identified several issues that require your attention. It has come to my notice that third-party reporting agencies are disclosing my private information to all three credit bureaus, violating my Privacy Right under the Privacy Act of 1974.

Additionally, there are charge-offs listed on my credit reports, which I believe should be considered a " Certificate of Indebtedness '' and removed, as income can not be reported to my credit report according to the law.

I would like to bring to your attention that all my bank accounts are insured under 15 USC 1681, and I have not received any interest or payment. I provided a security under 16 CFR 444.1.

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 2023-05-14
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 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

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 2022-05-17
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: Account status incorrect

Complaint:
Hi I am a victim of XXXX XXXX and Equifax, XXXX, and XXXX are reporting 30 day late payment for XXXX account on my credit report. The Cares Act states that NO Late Payments are to be reported to the financial bureaus during the time of Covid 's Forbearance period. I have written disputes to all three credit reporting agencies the account that they are reporting as late and they have not deleted the 30 day late payment. I need Equifax, XXXX, and XXXX to abide by The Cares Act. They are violating The Cares Act. Please ensure that Equifax, XXXX, and XXXX update the XXXX account to reflect a clean and on time payment history, and DELETE the thirty ( 30 ) day late payment. Thank you for your hep with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: FL
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 received a copy of my credit report. To my surprise, you are reporting this accounts incorrectly. Those collection are not mine, but also shows a past due balance, there are account, credit cards and a lo more. 

_ According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: LA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-01-19
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid 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:
I never received the purchases I paid for upfront with total of {$1700.00} paid for XX/XX/2021 and I have waited over 2 months for it to come from the XXXX XXXX in XXXX XXXX NC XXXX I contacted SEARS Mastercard Billing Dispute and Fraud Department said I would get a full refund and I have not received the credit back on my account.

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 monetary relief
Consumer complaint received 2021-11-04
Company: JPMORGAN CHASE & CO.
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A credit alert popped up on my credit file from XXXX Credit card services XXXX weeks ago, I contacted them and they said that, the account and social security, address etc didnt match what they had. Yet today tin my XXXX XXXX account a new account was opened. I have a twin brother whom we share the same birthday late and we live next door. I keep being mistake for my twin brother his name is XXXX XXXX and I am XXXX XXXX. Under my profile it had me having a alias of XXXX XXXX thats not my alias, I have XXXX living family members that share the name XXXX XXXX. This has been very stressful trying to clear up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix 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

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 2022-05-17
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I pay my target bill every month. I make 2 payments a month some months. Always the minimum, or 2x or 3x the minimum. Today I get a letter from a collection agency. I had to change my bank account due to fraud. My payment came back because of that. Instead of calling me, or sending me a email or ANYTHING they send me to collections. I login today and it says I owe {$29.00} due TODAY. So I added my new account info and paid the {$29.00} then called the collection agency. They were horrible. I insisted they transfer me to target. Target gets on the line. XXXX the supervisor gets on and is completely unprofessional and cut me off. When I said I was speaking. He hung up on me. I need to be assured I am not going to be sent to collections. I need to speak to someone at corporate. This is how you treat a good customer?!?!?! I also need to be assured you will not be hurting my credit with this as I show I am up to date and again I had to change from XXXX XXXX XXXXXXXX XXXX to fraud to XXXX XXXX XXXX XXXX. I simply had forgotten to update the account info. A call, email, letter from Target would have been nice before just sending me to collections!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-19
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Penn Credit continues to call not only my cell phone BUT also my work Phone several times a day. I have asked them to stop and they still continue! 

I have nothing owed as I have had attorneys who have worked with two companies in that past yet random dept collectors still try to call for the same thing that has been taken care of 2 years ago! 

This needs to stop!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: CNG FINANCIAL CORPORATION
State: CA
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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.I have made a report with the FTC identify theft. Enclosed is a copy of the report. 
XXXX XXXX XXXX Amount of {$3500.00} -- Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company response to consumer: Closed with non-monetary relief