BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Started : XXXX XXXX  Today : Date : XX/XX/XXXXXXXX  Re : XXXX XXXX ( SS # ) My name is XXXX XXXX. I currently receive mail at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. In XXXX  I moved to XXXX Ga for 5 years. National Credit Systems has a outstanding balance of {$5200.00} with XXXX  at XXXX. I am listed as a guarantor for XXXX XXXX. I spoke with XXXX XXXX XXXX  after my application was denied for a rental property ( XX/XX/XXXXXXXX  ) due to this debt., XXXX XXXX XXXX she did not use my Identification to obtain residency at the XXXX  on XXXX. XXXX claims she used her mom XXXX XXXX information to obtain residency. I have also contacted XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX with National Credit Systems concerning this balance. I asked XXXX ( ext XXXX ) for more information or seek a settlement for the debtor ( XX/XX/XXXX ). XXXX claims she reached out to the debtor. XXXX is the company in charge of XXXX on XXXX. I contacted XXXX on XXXX Account recovery manager XXXX @ XXXX XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX ( XXXX ) returned my call. XXXX XXXX ( account recovery manager ) states XXXX does not have any collection on my name or records. I reached out to XXXX a 3rd time and she stated that XXXX contacted them via email confirming they don't hold any debts pertaining to my name. XXXX claims she is reaching out to the debtor to resolve my concerns ( would get back with me its been over 3 months ). However, XXXX ext XXXX has not returned my call concerning moving forward with information from the debtor. XXXX has not succeeded in helping me move forward, XXXX will not give me any information who hold the outstanding housing debt account, or who she reaching out to help resolve my concerns. I need help getting this resolved. I have tried to dispute this outstanding housing debt to establish residency for my family. We are currently homeless. Please help! I have explained my concerns to XXXX XXXX with National Credit Systems at Ext XXXX, however she has not been helpful at ALL! Today XXXX XXXX, XXXX, I called XXXX XXXX XXXX to see if she has heard back from the debtor and she says that she can not release me any information but will contact me soon as she does. One hour later XXXX calls me back and says she called back by accident. This is very upsetting because my lively hood is being held in the balance while XXXX XXXX seems to enjoy keeping me in XXXX, only demanding {$5200.00}. I asked XXXX if I can make a payment of {$50.00} until in can get This case in a court room to clear my name ) she replied thats such a small amount on such an outstanding debt! She will not accept a payment or an arrangement under {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Credit Associates, Inc. (MO)
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The amount reported on my credit report by was paid in full ( {$830.00} ) to the XXXX XXXX XXXX. Below is a screen shot of the credit report and the Money Order sent to their po box Address.

This Money Order per US Postal shows that it was received and cashed by them. This my final notice to you and the collection agency. I will file official complaint at the Consumer Financial Bureau against XXXX and the Credit Agency. My right is being violated under the fair credit report by continued failure to update this account despite the evidence.

The collection agency -Credit Associates Inc. in XXXX XXXX , Montana has decided to report {$750.00} as amount received however, the reported debt to the credit bureau {$830.00} was paid in full to them. They claim {$87.00} owed despite evidence that {$830.00} was paid to them as full payment owed and as reported to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I previously applied for a capital one card with help of my home attendant. She stated the card application was denied. Upon checking my credit report I notice a approval for XXXX from capital one with a balance of XXXX. Called capital one to verify account and the phone number used to activate and set up the account was the same one as my home attendant. Which ends in XXXX. I notified my credit card company of fraud and they will keep in contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: JPMORGAN CHASE & CO.
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:
Today ( XX/XX/21 ) I checked the " Social Security activity '' option for my " Credit journey '' within my Chase bank account. I noticed that an individual I have never met had their name and addresses under my social security number. 

I read that this person had begun their activity under my SSN on XX/XX/21 and had address updates under my SSN on XX/XX/21. 

This is the only activity I have noticed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
To whom it my concern, on XX/XX/XXXX. 2022 I never received {$1000.00} to my XXXX account from my cousin, who wire money via Zelle XXXX XXXX XXXX ). We have exchange money back and forth frequently around same time frame ( XXXX Zelle ). approximately on XX/XX/XXXX. 2022 I noticed someone tried to wire {$5000.00} from my account without my knowledge, I immediately called chase and we started investigation. I have learned that my account at chase was hacked and all my personal information was changed and rearranged with in the account like primary phone number and E-mail address and very suspicious activities were happening. Shortly after, with extreme difficulty and many investigations from XXXX XXXX and XXXX we got to learned that my money end up at XXXX  XXXX XXXX at unknown account to us. My problem is that no-one taking responsibility and my XXXX dollars are gone without further logical and fair explanation. Zelle, XXXX, and XXXX  XXXX XXXX keep pointing fingers at each other. not sure if you'll help either, but I'm exercising all my options at this point. Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Today I tried to get a personal loan with XXXX XXXX they cant pull my report, I called eguilfax says they need to use middle initial still didnt work called again 6 times all differnt answers no fraud alert no block tou have 2 credit files another says three give them pic my drivers license ss and made report XXXX semp and faxed documents said fixed and still isnt I cant get a loan a mortgage nothing send another fax today please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am attaching personal information, two account and inquiries that are fraudulently reported on my credit report. 
XXXX XXXXXXXX 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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am disputing this account in many times on my credit report and it is incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$500.00}

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
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have unauthorized inquiries on my credit report. I also have items that are not my that are due to identity theft and as the credit agency to validate and they have not it has been over 30 days.

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 2023-12-30
Company: CCS Financial Services, Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hi my name is XXXX XXXX and I have some credit towards XXXX XXXX so they send me letter of credit collection service and I paid them on XXXX  from my XXXX XXXX XXXX ( ref : XXXX ( pin : XXXX ) Now again they send me 2nd letter which I received on XXXX XXXX ref number is ccs number XXXX XXXX I have paid fully pls take my name out from the list

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: GOLDMAN SACHS BANK USA
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the dele the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: PA
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 am attaching personal information, XXXX account and inquiries that are fraudulently reported on my credit report. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX : {$260.00}

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
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: IL
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 letter is a formal complaint that Equifax IS NOT reporting correct info on my credit history. I am distressed that they have not included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
Add this positive account to my report XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. Add this positive account to my report XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. Add this positive account to my report XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
4. Add this positive account to my report XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. Add this positive account to my report XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

6. Add this positive account to my report XXXX/XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

7. Add this positive account to my report XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

8. Add this positive account to my report XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 


Failing that, these items should be ADD to the report as soon as possible. Please CORRECT this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To XXXX XXXX XXXX at compliance of Sequium Assets Solutions your sorry and explanation do not help me. I have never done business with you. I do not owe Sequium Assets Soution any money and I do not owe XXXX XXXX XXXX any money. Your sorry for the inconvenience just results in : XXXX  : dropped 19 points XXXX  dropped 44 points XXXX  dropped 12 points So while you are giving time for me to review you need to REMOVE this from all three credit agencies. You have violated my rights and have never contacted me to verify if I owed a debt instead you just placed this on all three credit bureaus without verification. REMOVE IT IMMEDIATELY!!!! 

You are a despicable company that has no morals and is just out to ruin others. No contact, no verification yet you placed this on all three credit bureaus and then have the nerve to say sorry for the inconvenience, You are truly disgraceful

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: LEXISNEXIS
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:
XXXX XXXXXXXX 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 XXXXXXXX Experience refuses to remove this of the credit report. After providing numerous documentations to them for over a year. 

The responses the company has verified it. The last time they stated to me that the court verified it. Attached is a letter from the Bankruptcy XXXX XXXXXXXX XXXX XXXX 

I will like this problem rectified or Ill be seeking further legal action. Regarding XXXX misrepresenting itself stating that it has verified the information with the court. In good faith. Im trying to resolve this as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: NV
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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of Identity Theft. There is some fraudulent information on my file in which should be blocked within 4 business days. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX 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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove the items which are opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These are the fraudulent items :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: PA
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 am attaching personal information, XXXX account and inquiries that are fraudulently reported on my credit report. 
ACCOUNTS XXXXXXXX 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 2023-06-02
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:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 


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

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