BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: NC
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 sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : 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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute particular records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm contesting have nothing to do with any transactions I've done or approved in order to obtain products, services, or money. Please delete the following ITEMS. 
XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-12-03
Company: Eastpoint Recovery Group, Inc
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Eastpoint Recovery Group , Inc sent a deceptive and false letter attempting to collect an alleged debt. The alleged debt has not been verified nor has it been validated. The alleged debt is listed as a positive number. I have no relationship whatsoever with this company. Where does this alleged debt claimed by Eastpoint Recovery Group , Inc fall under UCC 9-110 under Article 2 or 2A?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: SYNCHRONY FINANCIAL
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:
On XX/XX/2019 - Inquiry by Syncb/Banana National credit card /Airlines wasn't done by me.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: NV
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:
This is my formal complaint to EXPERIAN. I have reached out to the following accounts below and talked to them about the issue with my accounts as reported by the bureaus. They have advised me that they will conduct the investigation for the status on my accounts however, as I reviewed my recent report nothing has change, incorrect and inaccurate information are still reported. I am not sure how the EXPERIAN came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.

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 2023-11-28
Company: EQUIFAX, INC.
State: TX
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 express my deep concern and frustration regarding the persistent inaccuracies on my credit report and the numerous unsuccessful attempts to rectify this issue. I urgently request your immediate intervention to expedite the removal of these inaccurate items to prevent further damage to my credit history.

Despite submitting disputes, the inaccurate items on my credit report persist, causing significant stress and negatively impacting my creditworthiness.

I have attached supporting documentation, including dispute submissions, evidence of inaccuracies, and any other relevant information to substantiate my claim and facilitate a swift resolution.

Understanding the critical role of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports, I urgently request your intervention to expedite the removal of these inaccurate items.

Given the numerous unsuccessful attempts to address this issue, I urge you to conduct a thorough review of my case, identify any obstacles hindering the removal process, and take immediate action to resolve these matters. I expect regular updates on the progress of the removal process.

I insist that all relevant creditors and parties involved be promptly notified of the inaccuracies, and necessary steps are taken to ensure the swift removal of these inaccurate items from my credit report. 

Timely resolution is crucial, as these inaccuracies directly affect my ability to make informed financial decisions. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX, XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$8100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XX/XX/2023 XXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12
Company: BARCLAYS BANK DELAWARE
State: AZ
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 complaint on XXXX and they sent a letter that it would be fixed in 30 days and its still reporting as a late payment when they said it was removed per the letter they submitted.

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 2023-11-24
Company: Nelnet, Inc.
State: NY
Product: Credit reporting 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:
I have dates of XX/XX/XXXX amount XXXX $ NELNET is the company name they have out XXXX separate loans in my name without my consent or knowledge. XX/XX/XXXX XXXX $ An XXXX XX/XX/XXXX XXXX $ This are all fraudulent because I never toke out any loans with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have two Capital One Credit Cards. As a whole, the company has had numerous technical issues from online issues to the postal service that conculusively inhibit consumers from paying their bills on time, yet given proof to the bank regarding this, Capital One continues to tack on late fees. We are in the middle of a Pandemic. Our postal service is unreliable and all of us have been experiencing issues with online services. Given the circumstances, it's not appropriate, nor is it fair for Capital One to gouge the consumer with late fees. 

During the last billing cycle, I didn't receive a bill. On the day the bill was due, I called Capital One to pay the bill. I spoke with a representative who said that they were experiencing technical difficulties. I expressed my concerns involving getting a late fee as a result of an issue on their end. The representative told me that Capital One is aware of the issue and as such, I wouldn't receive a late fee. After speaking with a representative today to address the issue, I was informed that the initial call was overseas and that there wasn't a way for them to verify that information. I asked to bring the account up to current and to withdraw the late fee. They refused. The last late fee I had on this card was almost a year ago. 

Capital One Bank is backed by the FDIC. To that end, they have received federal money paid by small businesses such as mine. It's not fair that their issues are passed on to the consumer without proper recourse. Due to the numerous bank issues I've had online with my other Capital One credit card, I elected not to use the online service for this credit card. I am therefore asking your help in intervening to erradicate the late fee off of this account. Currently, there is just one late fee. They're unwillingness to help is what's most irritating. They admitted that they're currently are experiencing challenges from online to the postal service. By their admission, the pandemic has caused an interruption in service. As such, I am asking that the consumer is protected from any adverse affects and that Capital One cooperates in providing relief by releasing consumers of senseless late fees. If there's anything else I need to provide, please let me know. I appreciate your help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX XXXX Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed on cash or trade, I was trying to purchase 2 concert tickets from another member and after I send {$260.00} to them via XXXX they blocked me and never sent the tickets. XXXX XXXX Citizens bank ( my bank ) refuse to help even though I can prove I was scammed and all that is required is for them to reverse the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Remex, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This medical debt is not owed I have health insurance and do not owe this bill. I did not sign anything with my signature stating this debt belongs to me. Please remove this from my credit report immediately. This is a medical debt that's not owed when there is health insurance. I signed no papers owning this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Jon Barry and Associates, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My HIPPA rights have been violated and the actions that Paragon group has done is incorrect. I am not working due to Covid and this negative information being reported is hurting my credit score. I have never received a bill for the collections and the information reported is inaccurate. They are reporting that I owe them XXXX for TransUnion and XXXX for XXXX. My Hippa Rights have been violated and have provided the credit bureaus with inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A while back, I successfully settled the outstanding balance on my account with XXXX XXXX XXXX XXXX ensuring it is now paid in full. However, despite this resolution, the entry persists on my credit report. I promptly contacted the company to request the removal of the account, but the issue remains unresolved. Despite my persistent efforts, the inaccurate information continues to impact my credit history. I am actively engaged in ongoing communication with XXXX XXXX XXXX XXXX  to address this discrepancy promptly. It is crucial that the necessary steps are taken to rectify this issue and update my credit report to accurately reflect the current status of my account. I remain steadfast in my commitment to resolving this matter and maintaining the accuracy of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: BOEING EMPLOYEES CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX, 2014 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i had auto and home insurance with XXXX XXXX which was for six months. I switched to another insurance company which i have had since the six months were discontinued. the only reason i left because they were too expansive. I received a credit collections for {$330.00} from a collections company and i am not sure why since i don't have that contract with the insurance company. 

My cancel date XX/XX/XXXX auto and home insurance XXXX XXXX cancel date XX/XX/XXXX Date for Collections XX/XX/XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report 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 2022-10-13
Company: Linebarger Goggan Blair & Sampson LLP
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2022 the company sent me a letter in the mail falsely representing itself as an attorney while attempting to collect an alleged debt for unpaid tolls and fees. The company falsely claimed I did not pay a debt in order to disgrace me into paying them. The company failed to identify itself as a debt collector while attempting to collect this debt. 
I submitted a complaint through the CFPB portal on XX/XX/2022, complaint # XXXX with a letter and invoice attached regarding these violations the company committed against me. The company sent a response on XX/XX/2022 addressed to someone else and the CFPB closed my complaint. In the company 's response addressed to XXXX XXXX XXXX, they violated his rights to privacy by disclosing his personal private information to me. Prior to the company 's response, I had no knowledge of who XXXX XXXX XXXX was. I did not know XXXX XXXX XXXX resided in XXXX XXXX nor that he had two ( 2 ) outstanding fines that he owed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Source Receivables Management LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have submitted multiple letters to this company to validate this debt that they say i owe. This company has not submitted the proper documentation to support that this debt belongs to me. They have not provided the proper paperwork with my signature on it to validate debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
They are reporting late payment and it is making my score drop. It was supposed to be automatic out of my account. They admitted and apologized but said they cant do nothing about it to contact credit company. I need this off my credit. I have never been late on none of my payments. They made the mistake

Company response to consumer: Closed with explanation