BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: EQUIFAX, 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:
On XX/XX/XXXX of 2023 a letter was sent to the 3 different credit bureaus.

ACCOUNT ( S ) OPENED BY IDENTITY THEFT : XXXX + XXXX XXXX XXXX + XXXX XXXX  XXXX XXXX + XXXX XXXX + XXXX XXXX+ XXXX XXXX XXXX  XXXX + XXXX XXXX XXXX XXXX XXXX XXXX WRONG ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Resurgent Capital Services L.P.
State: MD
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 complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: MoneyLion Inc.
State: WA
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:
On XXXX I was contacted by my debit card company, XXXX XXXX XXXXXXXX, asking if I approved an Instacash withdrawal. I had not approved or had knowledge of this transaction or Money Lion Instacash company. XXXX suggested that I cancel my current debit card with XXXX as it appeared that someone unknown to me had my personal information and had made this transaction using my information. XXXX cancelled my debit card and issued another card. On XXXX, I noticed another debit on my BOA account by Money Lion Instacash that I had no knowledge of. On BOA advice, the account ( not just the debit card ) was cancelled by XXXX, funds from that account were transferred to a new account and a fraud claim ( # XXXX ) was started and completed with XXXX, concluding that these were fraudulent transactions. I was advised by my Fraud Identity professional ( XXXX XXXX XXXXXXXX XXXX  ) not to contact Money Lion regarding this until I received a debt collection notice from them. I had never received correspondence from Money Lion regarding opening this account or being delinquent on the account ( that I did not open ). My credit report now shows that I have a delinquent account which is adversely affecting my credit for an account that I did not open or authorize. I have called Money Lion to inquire about this account, and notified them that I did not open this account. They will not give any information that I request such as " my '' mailing address, email address, or contact information on their file. I sent an email to them with the police report that I initiated with XXXX XXXX Sheriff Department but have not received any correspondence from them in return. ( The police report was filed XXXX but due to back ups in their system was not released to me until XXXX ) Please help me resolve this. I have attached corresponding documents. Please let me know if you require any other documentation. Thank you, XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have made payments consistently for XXXX years. I submitted a payment by check only for them to say they didnt receive it. I then submitted a payment online and after they received it, they cashed my check. I called and was told I would be getting a refund only for them to send me a new bill saying it was past due. They now refuse to update my account or refund me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 confidentiality under 15 USC 1681. 


Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2023-04-21
Company: Experian Information Solutions Inc.
State: MS
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 confidentiality under 15 USC 1681.

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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 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 explanation
Consumer complaint received 2020-04-03
Company: Experian Information Solutions 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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX  XXXX {$220.00} XXXX  XXXX {$870.00} XXXX XXXX  XXXX {$970.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$820.00} XXXX   XXXX {$530.00} XXXX XXXX XXXX {$330.00} XXXX   XXXX  XXXX {$940.00} XXXX  XXXX XXXX {$430.00} XXXX XXXX {$820.00} XXXX XXXX {$530.00} XXXX XXXX {$970.00} XXXX XXXX {$820.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMIISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$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 explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: PA
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 have disputed XXXX XXXX XXXXXXXX payment history. I have disputed a missed payment from XX/XX/21 with all three credit bureaus, the credit reporting agencies have failed to delete this missed payment. The credit agencies have switched and rearranged the information regarding this payment numerous times including changing the date from XXXX to XXXX, because of this my credit is taking a tremendous drop. I want this missed payment deleted from my credit history Immediately.

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 2022-04-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
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 complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: North State Acceptance, LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection account opened on XX/XX/XXXX but is reported a as a joint account with XXXX XXXX who is my deceased husband. I did not go on this as a joint nor should this account be reporting to my name at all. According to the XXXX report, the balance was {$14000.00}. The balance is shown on XXXX  to be {$4600.00} as of XX/XX/XXXX. It is on my credit report as a Account charged off. {$4600.00} written off. {$5600.00} past due as of XX/XX/XXXX. 
This is not my financial obligation. Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: T.S. Holdings
State: OR
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I entered into a lease agreement with XXXXXXXX XXXX XXXX which was prematurely terminated due to a violation of the Right to Quiet Enjoyment. Despite multiple attempts to resolve the issue amicably with the property management, the situation necessitated vacating the premises for safety and well-being. 

On XX/XX/XXXX, I submitted a Notice to Vacate, which was acknowledged by the leasing department on XX/XX/XXXX. Following another incident, we reaffirmed our decision to vacate on the same day. On XX/XX/XXXX, the leasing agent confirmed the receipt of apartment keys and acknowledged our departure from the unit. 

On XX/XX/XXXX, I received a move-out cost breakdown that did not accurately reflect the security deposit amount, which was significantly higher than reported. After receiving this, I made several attempts to contact XXXX XXXX for clarification. Calls were made on XX/XX/XXXX, and XXXX, with follow-up emails sent on XX/XX/XXXX and XXXX, XXXX. The leasing agent acknowledged an error with the security deposit amount during a call on XX/XX/XXXX, but no further clarification was provided. 

The next correspondence was a bill from XXXX XXXX XXXX on XX/XX/XXXX, which included charges that were inconsistent with the initial move-out breakdown. I disputed this collection and requested debt validation on XX/XX/XXXX. The response from IQ Data on XX/XX/XXXX, was unsatisfactory, providing an XXXX spreadsheet without proper validation of the alleged debt. 

Despite these efforts, the debt was reported to credit bureaus, affecting my credit score. I have made numerous attempts to resolve this issue directly with the property management and the collection agency, including 14 calls to IQ Data on XX/XX/XXXX, which were met with repeated hang-ups and a lack of cooperation. 

The collection agency has not provided adequate debt validation, has reported the debt without proper notice, and has failed to investigate the dispute thoroughly. This has resulted in an unfair credit report entry and continued attempts to collect a debt that is not accurately validated. 

I seek the removal of this collection from my credit report and cessation of collection attempts until a thorough and fair investigation is conducted, with proper validation of the alleged debt provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: EQUIFAX, 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. 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 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 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 2023-07-26
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:
This is my Complaint about the negligence of the 3 Credit Bureau. I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of the account resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. This is the inaccurate account that I want them to correct : 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 explanation
Consumer complaint received 2018-09-07
Company: Collection Bureau of Fort Walton Beach, Inc
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was covered for mental health emergency 's & visits through the government agency called " XXXX ''. XXXX XXXX XXXX at the time of services XX/XX/XXXX for {$940.00} & XX/XX/XXXX for {$1400.00}, didn't know about this coverage. Nor did they look into finding out. Then, when I received the bill, I called to dispute for this reason. Nobody would help. And they did not log my account, that I called. Then I was sent to a collection agency for these 2 bills. Then called the collection agency to dispute, and they said I would have to do so through XXXX XXXX XXXX. We finally gave up, because nobody would help us. Now we are trying to repair our credit report, and they are still refusing to help us and say that it is too late. Please help. I was covered, therefore I should not have been billed for these visits.

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 2023-04-21
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The alleged original debt was from XXXX for collection of services on an account that had been closed prior. The debt was assigned to Sequium Asset Solutions , LLC in 2022. I immediately contacted Sequium Asset Solutions, on XX/XX/2022, in writing to provide proof that the account had been closed on XXXX informed them that the servicer XXXX XXXX  ) was trying to collect for services not rendered after the date of the closed account. I provided email confirmation of the closed account. Instead of responding to my request to correct the mistake, Sequium did not respond and instead assigned the alleged debt to XXXX XXXX XXXX On XX/XX/2022, I contested the debt again with Convergent. I did not receive a response. Now, it seems as though XXXX has assigned the item to XXXX XXXX. XXXX XXXX has NOT provided me with any necessary paperwork to date. 

I was alerted to this through my credit bureau. I am again contesting the validity of the debt and request prompt action in correcting the mistake. 

Each company has reported incorrectly to multiple credit bureaus. I request help and demand that each company correct their records AND work to remove any derogatory marks created on my credit report as a result. I also request confirmation that the matter is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This company XXXX XXXX was hired by XXXX XXXX XXXX XXXX to collect a debt that was discharged in  a Bankruptcy due to medical reasons. It was filed in 2003. Docket # : XXXX. 

I have sent numerous letters requesting that they stop attempting to collect this debt. XXXX XXXX XXXX XXXX is intercepting my tax returns, even though they have collected over {$27.00}, 000 through wage garnishment. 
When I call XXXX XXXX, they refer me to the XXXX XXXX XXXX, and vise versa. 

It took over four years before the debt was removed from my credit reports. Now I recently discovered I my name is on a CAVIRS list.

Company response to consumer: Closed with explanation