BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: National Collection Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company ( national credit management ) has emailed and called and recently started contacting my family member who they claim I used as a reference. When I called the representative, XXXX XXXX, he was rude, condescending and basically told me that he would not stop calling her or anyone else on my behalf because he's trying to collect a debt and as long as this debt is outstanding, until I pay it or make arrangements to pay it, he will call whoever he wants -- that no law protects me from that or prevents him from using such tactics to get me to pay the balance. When I continued to tell him " please stop calling my daughter '', he hung up on me and then refused to answer a subsequent call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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:
I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-18
Company: SYNCHRONY FINANCIAL
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:
XX/XX/XXXX XXXX denied me credit. I have the denial letter. XXXX XXXX passed away and they added my name in place of XXXX  XXXX. This is not my account never had an account with this bank and never will. The fraud department advised me that they were removing the fraudulent entry and they keep bringing it back. I just lost everything in the XXXX XXXX and this negative entry and caused me to be denied by the SBA now. I have hired an attorney who expected to fix this and filed an affidavit and sent to the repositories. XXXX has provided the necessary changes unfortunately XXXX and XXXX XXXX have been used by Synchrony bank as their own tool to hurt consumers. I requested proof and they can not prove it. The charged it off on XXXX XXXX in XXXX. Why am I dealing with his tradeline in XXXX? Someone needs to stop this bank from hurting consumers. 
Recently I lost everything in the XXXX XXXX where all my personal belongings were destroyed and I am trying to rebuild and my credit just went down XXXX points! from a closed tradeline that isn't even mine. this bank has over XXXX XXXX complaints and they still have a charter?

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 2023-06-10
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have 1 name XXXX XXXX XXXX I have 1 address XXXX XXXX XXXX XXXX I Have 1 date of birth XX/XX/1964 I have requested over 10 times to have my correct information up dated and all 2 credit bureaus have failed to correct my credit reports with my correct information.

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 2021-10-16
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: Personal information incorrect

Complaint:
I don't even know where to start, there is a lot of incorrect information showing on my credit report, As soon as I realized that I contacted the credit Bureaus via letter, they are not answering me and they said they opened an investigation. They are not providing any kind of clarification and at this point I'm starting to feel frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In accordance with the Fair Credit Reporting Act XXXX, XXXX, Transunion, XXXX XXXX XXXX has violated my rights. 
Transunion is reporting a collection agency XXXX XXXX who has breach the statute of Limitation of 3 years. XXXX is reporting XXXX XXXX XXXX charge off accounts which is a violation of 15 USC 1681 E and 15 USC 1666 Correction of Billing Errors. 
Also, XXXX is reporting both XXXX XXXX XXXX Accounts charge off accounts and the collection agency portfolio recovery. I have requested all consumer reporting agencies to remove these accounts and they have refused. 
15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. 
15 USC 1681 E Compliance Procedures states for a consumer reporting agency ( CRA ) to assure maximum possible accuracy in its credit reports.

15 USC 1666 Correction of Billing Errors states A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
Mississippi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states that limitations to collect a debt is 3 years. XXXX XXXX has passed the statue of limitations to collect the debt. The statue started with XXXX with the date of XX/XX/2018 and refuse to show me a bill of rights sale. Then XXXX XXXX changed the dates to collect and has not validated the debt. These companies has refused to remove these accounts from the last 2 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: Heartland Resolution Group, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is a continuation of Complaint # XXXX. That Complaint was unfortunately closed without resolution. I am refiling that complaint as I have additional information today. The Heartland Resolution Group called me from XXXX on XXXX. The phone rang once and then disconnected so I called that number back. The person who answered purported to be a debt collector and said that I owed a debt to XXXX XXXX XXXX. I let that CSR know I do not owe them ( XXXX XXXX XXXX  or Heartland Resolution Group anything becuase none of my medical bills are in collections or have gone unpaid. The CSR proceeded to press me for my personal information, which I declined to give. She hung up on me. I googled this company and they are a scam company with bad reviews. I XXXX  XXXX XXXX XXXX and got their number and called them. I asked for them to review my account with them, as I saw they are affiliated with XXXX XXXX XXXX, which I have gone to for medical care in the past. They advised me, on a recorded line, that I do not owe them anything, other than a XXXX dollar invoice that is being billed to my insurance company, and is under review, so it is not in collections and I do not need to take any action, as far as payment on it, at this time. When I filed the prior Complaint # XXXX, XXXX XXXX XXXX XXXX Complaints XXXX, from Heartland Resolution Group XXXX responded and basically said they can not move forward to resolve the complaint because they do not know who I am. He left this number for me to call - XXXX, which I called. When I called that number, a man answered and I asked him why is his company, Heartland Resolution Group, claiming that I have medical debt and that they are attempting to collect it, when I have no such thing. He looked up my account and provided me with their reference number XXXX and said that the medical debt is {$40.00}, it is under my son 's name, and that XXXX XXXX XXXX " gave '' them this account for them to collect from me. My son is XXXX XXXX XXXX. This CSR from Heartland Resolution Group did not give me a date of service for this alleged debt and I asked for the number they had for XXXX XXXX Phys. and he gave me XXXX, which is NOT the number for XXXX XXXX XXXX, it is for the XXXX XXXX XXXX. I called XXXX XXXX XXXX. and they told me the same thing as before, that neither my son nor I have any debt with them, they see nothing has ever been sent to collections under me or my son for non-payment and furthermore they have NOT A CLUE as to who Heartland Resolution Group is. I want to know who XXXX is, how they got my son 's personal information, why they were attempting to collect that my son DOES NOT OWE and why they were so evasive and vague when confronted with direct questions from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
accordance with the fair credit reporting act XXXX  Account XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
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:
There are multiple fraudulent items on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent items and they're still reporting on my credit report. 
I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: Prince Parker & Associates
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 XXXX XXXX AND XXXX reported on my credit. This debt collector does not have the right to report to my credit as they are not licensed or bond in the state of tn to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, 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:
credit bureau keep reporting inaccurate information on my credit file. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX section XXXX A. states I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX section XXXX A. states I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX section XXXX A. states I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX section XXXX A. states I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX Acct # : XXXX has violated my rights XXXX U.S.C XXXX section XXXX A. states I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX section XXXX A. states I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : has violated my rights XXXX U.S.C XXXX section XXXX A. states I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2020, I received a letter from SunTrust Bank which thanked me for opening a " new Essential Checking account ''. This welcome letter also included one deposit slip and three checks to use. The deposit slips and checks had an account number on them. As I have never banked with SunTrust ( or BB & T which is who they are in the process of merging with ), I contacted SunTrust immediately. I spoke with XXXX XXXX who stated he was a Fraud Supervisor. I was given a case number ( XXXX ). Mr. XXXX stated that the account had been opened using my social security number. There was no money in this account which had been opened on XX/XX/2020. Mr. XXXX stated that I would be contacted by their department shortly. 

On XX/XX/XXXX, I spoke with XXXX, another Fraud Supervisor, who stated that it takes 12 business days to complete their investigation so I should know something by XX/XX/XXXX. On XX/XX/XXXX, I spoke with XXXX, yet another Fraud Supervisor, who then told me it takes 15-20 days to complete an investigation. 

On XX/XX/XXXX, I received a statement in the mail from SunTrust which shows that the account was finally closed on XX/XX/XXXX ( 9  days after I first reported this ) and that no money had ever been deposited into Account # XXXX. I called SunTrust again and spoke with XXXX, another Fraud Supervisor, who then told me that my social security number was NEVER used to open this account. I asked how someone could allegedly open an account online ( as they claim this was done ) without providing a social security or tax ID number and without ever putting funds in this account. XXXX told me the case was closed as well as the account and that all " suspicious '' accounts are closed within 3-4 days. This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX - that's 18 days later, not 3-4 days! 

No one at SunTrust ever gave me the same story more than once. Even the timeframe for the investigation kept changing from " soon '' to 12 business days to 15-20 business days, etc. When I told several Fraud Supervisors that this whole scenario sounded like what XXXX XXXX XXXX got in trouble for ( opening fraudulent accounts to generate commissions ), they, of course, denied that was possible. 

Given how much fraud and identity theft exists, this whole scenario greatly concerned me especially when I was originally told that my social security number HAD been used to open the account. SunTrust claims that people open accounts online all the time and that's why they closed them so quickly but that is NOT true as they took 18 days to close this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
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:
Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$85.00}

Company response to consumer: Closed with explanation