BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-27
Company: FISERV INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My name is XXXX XXXX, I am the only party with first-hand knowledge of this transaction. furthermore, TRS are debt collectors and have failed to provide me with sufficient information to verify this alleged debt. under 15 us code 1692g ( a ) subsection 3,4 and 5 TRS has failed to provide me with the information under 1692g.

This notice to inform TRS recovery services that this alleged debt is disputed and i am further requesting verification or copy of a judgment of this alleged debt from the original creditor. 

failure to provide this information shall result in termination of ALL collection efforts and a complete removal of my personal information from your agencies systems. 

RE Number : XXXX Transaction Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: EQUIFAX, INC.
State: TX
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:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and don't care who's credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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: Information belongs to someone else

Complaint:
My wallet was stolen from my handbag while in my possession on XX/XX/2023. I was effectively pick-pocketed. ( I filed a police report the evening this occurred on XX/XX/2023. ) The thieves quickly attempted many fraudulent multi-thousand dollar transactions at XXXX XXXX in XXXX, MN. Two fraudulent transactions were successfully made the evening of XX/XX/2023. One for {$3200.00} was made using my debit card and I'm working with my bank on resolution of it. 
The other one was for {$4200.00} made with my XXXX XXXX XXXX XXXX card. This is the one I'm filing a complaint about. XXXX XXXX XXXX not only reported this charge to the Credit Bureaus XXXX XXXX, XXXX, and Experian - prior to my account statement cycle closing ; in addition their authorized charge also put my account over the credit limit and has had a significant negative impact on my credit score. One of my bureau scores ( XXXX XXXX XXXX  ) dropped XXXX points following XXXX reporting of this charge to the bureaus. I have made several calls to the XXXX XXXX XXXX Customer Service team to request they work with the bureaus to remove this information from my credit file. On XX/XX/2023, I received an update from XXXX XXXX XXXX ( XXXX ) with an assurance that the bureaus received a request from XXXX to remove the fraudulent information from my credit reports. I was told XXXX " obviously recognizes it's a XXXX error ''. I have no guarantees of how quickly this will be resolved. Their internal credit bureau reporting processes failed and they are at fault for reporting this fraudulent charge to the bureaus and it turn causing my credit score to lower substantially.

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 2023-01-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-04-18
Company: Jon Barry and Associates, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company Paragon Revenue Group is in violation of my HIPPA rights, I mailed them a letter to remove all information off my credit reports due to the fact they were in Violation of the HIPPA Law. They have a DBA ( DBA Paragon Revenue Group ) which is on my report as off now showing as verified and accurate but it is not accurate nor mine. i need this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: MN
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-11-15
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 is XXXX XXXX XXXX and I am submitting this CFPB Complaint to you today to inform the Credit Reporting Agencies that I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any accounts listed on an ID THEFT Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$500.00} XXXX XXXX  XXXX Balance Owed : {$7300.00} XXXX XXXX Balance Owed : {$14000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$300.00} 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 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX I was approved for a Bank of America Premium RewardsCredit Card, with a sign-up bonus of XXXX points if you spent $ XXXX in the first 90 days of the account being opened. They have denied my sign-up points for not spending the $ XXXX, even though I have spent $ XXXX within 90 days of my statement balance date, which was XX/XX/XXXX. 

They have said that the time starts when you apply for the credit card, however I believe that your statement balance would be the start of your 90 days. If the application date was your open date then shouldn't that be when my statement date begins? this seems to be misleading that your account is considered open but your statement dates do not match these. I spent the $ XXXX within that time frame but have still been denied the bonus points. 

I have called them multiple times, the first time I called, after I met the $ XXXX, the representative said I had met the requirements and the balance should be credited soon and to call again if I do not see the credit. When I called because the points were not credited I was told that I did not meet the requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
TransUnion, XXXX and XXXX have consistently violated my federal rights for going on over a year now. It has gotten to the point I have had to hire a lawyer. I have tried to communicate directly with TransUnion, XXXX and XXXX and show them in writing where they have violated federal law and still they have refused to acknowledge these laws. The federal laws TransUnion, XXXX and XXXX has chosen to ignore are 15 USC 1681b as well as 15 USC 1692g. I have sent certified letters, I have sent screenshots of the laws they have violated, I have asked for proof which is required according to federal law, and they still have not complied. I advise TransUnion, XXXX and XXXX to cease and desist collecting and reporting the accounts until they have provided and supplied the full, thorough details surrounding their reasoning for keeping the accounts on my report against my wishes as a consumer. This is not only harming my credit report, it is also harming my chances of owning a home. TransUnion, XXXX and XXXX should not be allowed to get away with breaking federal law and that is why I am here in hopes that these accounts be removed from my credit report. Once their reinvestigation is complete, I would like for TransUnion, XXXX and XXXX to mail me a copy of my new and updated credit report pursuant to 15 USC Chapter 41. 

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-10-30
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted by phone, XXXX XXXX XXXX # XXXX out of XXXX, NC on XX/XX/2018 Talked to XXXX ( recorded ) after I found out that Company placed a collections for {$1100.00} for a XXXX   Bill on my credit reports. I let her know that this was not my debt/account. I have no contract with XXXX. Please send me written proof ( copy of contract ) also to remove it from my credit report. I was told she would contact me later after letting her supervisor know what was going on. I heard nothing else from them. Today ( XXXX XX/XX/2018 ) I received from a new collections group, XXXX XXXX XXXX ( ERC ) out of XXXX, FL. I called and talked to XXXX ( again Recorded ) I explained again that this was not my account, but she didn't want to hear that, she told me they collect the money. The amount was for {$1100.00} for the XXXX account. I again asked this company to show proof. Its not in her wheelhouse they just collect. She wasn't going to argue basically its my problem. Me asking how you think I should give you money I don't owe is arguing I guess, instead of trying to help me. She said " we will report it to the Credit Bureau 's in XX/XX/XXXX '' I think she said on the XXXX. I said its already on my report and she said " Not by us! '' She did tell me how she would send me a fraud paperwork packet and I would need to call the police and get a report and all kinds of things for me to do. How about you showing me proof FIRST. This is not fair to demand my money without proof its owed.

I know that collection Agencies purchase debt to collect from others. They are not verified!!! That is now two different collection companies that have and is now, not verifying the owed debt of of person before destroying their credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
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:
On XX/XX/XXXX, I refinanced my mortgage. The account that I had with XXXX XXXX XXXX was paid in full by XXXX XXXX XXXX. I've contacted XXXX XXXX XXXX multiple time requesting them to update the account as paid. They stated that the person in that arena was no longer with company. I asked to speak to the the replacement. The replacement, Mrs. XXXX, informed me that the company reported quarterly and that it would be reported by XX/XX/XXXX.

In XX/XX/XXXX, I contacted XXXX XXXX again and they transferred me back and forth to different people and neither of them knew anything. Everyone reminded me that XXXX ( the person that reports ) is no longer with them. They suggested I file a complaint with the credit bureau to get them to do their job.

We are now in XX/XX/XXXX and I have two mortgages on my credit report because this company failed to report a payoff. I spoke with XXXX, the guy in charged over the company and he states that I had to send a request to the credit bureau in order for them to report a payoff. I told him " if i were late paying you would have reported it ''. He responded ... contact the credit bureau and request that we submit the payoff. If this was the case, why wasn't I informed to this back in XX/XX/XXXX. XXXX XXXX XXXX sent me a document showing my account was paid off and the balance was XXXX. Every other financial institution report debt, why is this company exempt?

My mortgage has been with XXXX XXXX XXXX since XX/XX/XXXX. It's going on a year that this company has not held their end of the bargain as a financial institution. I'm having to pay because XXXX XXXX did hire a replacement to fit this job description and it's not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is another continuation for original complaint XXXX filed on XXXX and other open complaints on Transunion. It has been well over 30 days.The same accounts have been in dispute since. If the accounts are " verified '' why is the proof of verification so hard to receive as I have requested numerous times? According to the FCRA these account must be deleted. Transunion is in violation! My disputes and complaints have been ignored.I am sick and tired of this game Transunion is playing with my credit profile. It's almost XXXX month # XXXX  and they are still playing games! Transunion you illegally reporting unverified items monthly on my credit file.I DEMAND this to be removed immediately! It is Transunion 's job to make sure they are reporting ACCURATE information.I can understand a mistake this is no mistake. Just to flat out lie and ignore requests from a consumer that has rights you continue to ignore and not obey they law. It's absurd that your company would put something like this on my credit file.

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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, 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:
For the past 5 months I have followed the protocol and advice of this credit bureau for disputing inquiries on my credit report. I have disputed these inquiries via phone, fax, via my login on their website and in writing and have submitted complaints about their handling of this situation to cfbp and XXXX. I have contacted each supplier of the inquiry and they have sent request for the inquiries to be removed, and ONLY this credit bureau will not remove the inquiries. I have sent in my legal identifies ( ID, proof of address, police report, ftc report ) to prove these inquiries are fraudulent however they will not remove them. What I receive is notices stating I cant dispute online or they wont investigate because a 3rd party is submitting my complaints ( which is legally allowed ), I've even been told they don't have a credit profile for me. At this point the are hindering my legal right to have a accurate credit profile AND my legal right to dispute any inaccuracies on my report. The accounts associated with these inquiries were deleted under identity theft but they are telling my the inquiry is valid, by not removing them, how?

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 2023-09-09
Company: Experian Information Solutions Inc.
State: PA
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 writing to delete the following information in my file.The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-09-14
Company: EQUIFAX, INC.
State: WA
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The complaint is in regards to accepting credit cards ( processors ). Amex put myself and relatives on a MATCH/TMF  list even though my family members were never part of the business. I don't owe the company any money and I can't do business as a result of being blacklisted by American Express Merchant Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX XXXX XXXX TransUnion has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check payment history, date open, last activity, and Status of XXXXXXXX XXXX XXXX XXXX. I believe it was reported in error. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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