BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report .It has been well over 30 days and I havent reviewed any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
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 am a victim of identity theft all accounts listed below should be Blocked and Removed from all credit reporting Bureaus immediately. 
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 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 non-monetary relief
Consumer complaint received 2023-01-26
Company: Alliant Capital Management LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Continuously calls during weekdays, and have now resorted to calling my spouse and now my father-in-law. I have no debt to be collected with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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:
My identity has been stolen and my data was exposed and hundreds of imposters fraudsters have taken my life away or any benefit that i am entitled to

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 2023-09-13
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 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 items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-03-20
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$0.00}, {$7600.00}, {$29000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: National Credit Services, Inc.
State: OK
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i have sent in the requested info. to national Credit Services. Via FAX, EMAIL. My husband is on military   leave and currently XXXX XXXX. I can not access his info neither can he!! i have told them this OVER and OVER!! i have sent in my info all my pay stubs and fax the consent. They will verified they have received it. BUT keep calling to ask for it,, after they put me on hold then they come back and say- oh now i see where you have sent this in!! 

i have also received calls past XXXX XXXX. i have also received numerous calls at work. and i have told them please do not call my work. and they refuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21
Company: Account Resolution Corporation
State: KS
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:
Account Resolution Corporation makes a habit of ruining consumers credit. This organization place NINE derogatory collection remarks on my credit report for the SAME utility account. I have paid almost XXXX XXXX dollars for this utility bill and ARC refuses to update the collection account ( S ). This company has single handedly destroyed my credit. 

I am working with a credit attorney, but so far, nobody ( not event ARC ) can explain to me how it is legal to operate this way. How can one person have NINE derogatory remarks for the same company and the same account?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: United Consumers Inc
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern : I am writing to dispute a new derogatory remark that appeared on my credit report on XX/XX/XXXX. This collection stems from an incorrect billing code that neither the doctor 's office nor the insurance company was able to fix after both parties acknowledged that it is a billing error and I should not be responsible for the payment. Please see a brief timeline of events below : XX/XX/XXXX - a medical procedure was performed which I was told would cost me a total amount of {$80.00} that I paid prior to the procedure by the doctors office. ( See attached document titled " chase '' ) XX/XX/XXXX-XX/XX/XXXX - I spoke with both doctor 's office and the insurance company on three separate occasions describing my issue and both parties agreed that its simply a billing error and I should not be responsible for the additional charges. Additionally, the insurance company took initiative and stated on each of the three phone calls that this issue would be resolved in 30 days. 

XX/XX/XXXX - I received a collection notice from United Consumers stating that I have an outstanding collection amount of {$250.00}. Further, the letter states that if I dispute the validity of this bill, I should notify the office in writing within 30 days from receiving this notice and the collection agency would obtain verification of this debt. ( See attached document titled " United letter '' ) XX/XX/XXXX - I sent a detailed letter to both the collection agency and the insurance company disputing the validity of the bill and highlighting why I should not be responsible for this bill and requesting that both parties take action to help resolve this issue. ( See attached documents titled " Insurance '' and " United '' )  XX/XX/XXXX - I received a notification from several credit monitoring services stating that I have a derogatory remark on my credit report. 

I was completely surprised by this due to the fact that United Consumers never followed up with me or provided me with a debt verification notice. I was under the impression that this issue was resolved since I didnt hear anything since I sent the letter on XX/XX/XXXX. 

I am requesting that you please help me resolve this issue as soon as possible so that this miscoded bill is taken off of all of my accounts and the derogatory remark is removed from my credit report. 

Please let me know if you have any further questions or concerns.

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 2021-10-01
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX promoted Comenity Capital operating under the name ( or doing business as ) XXXX XXXX and their 6-month interest free credit card never telling me that after 6 months, Comenity Capital would charge back that 6 months of free interest. 

Once I realized this, I paid off the outstanding balance immediately but Comenity continues to hound me for this 6-month " free '' interest. 

They have contacted me repeatedly and have also contacted several of my relatives repeatedly, as well as current and former employers. This borders on harassment in my opinion. I called Comenity on XX/XX/2021 and told them to stop calling my relatives and current and former employers. I also asked them for the state in which they are incorporated, and they could not tell me. I also asked for their Agent for Service of Process, and they would not give me that information either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
PayPal Credit, somehow ( either when I inadvertenly placed an order on XXXX, hit " PayPal Credit '' ). Since then, I've received constant bills from Paypal, in which the amount continues to increase, although I've NEVER used this " line-of-credit '' in any form. I understand that the Consumer Financial Protection Bureau already has fined PayPal with a {$25.00} XXXX fine on behalf of consumer protection violations. 

Please kindly investigate, as this may also be affecting my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-20
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Westlake Services, LLC
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: Their investigation did not fix an error on your report

Complaint:
I demand proof of how you dealt with the information that you indicated in my credit report. Please provide me with all instruments used to report 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 2021-03-19
Company: Medical Business Bureau
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
a few years ago I got a collection notice from XXXX stating i owed a medical bill for my daughter, XXXX XXXX XXXX XXXX. I was confused because I NEVER received an initial billing from the hospital for her ER visit and I assumed she still has medical insurance at the time. I panicked because I knew it was affecting my credit so I tried to call and notify them that the bill was never sent to me. They said it was sent several times and was passed due so it was sent to collections and I can attempt to dispute it once its paid off. I called XXXX and set up a payment plan. This month I finally finished paying everything off. I checked my bank account to get in contact with the Medical Business Bureau to dispute it since they notified me that I could once it was paid off. When I called them XXXX ( XXXX ) XXXX they stated the bill I'm refering to under " XXXX '' opened on the XXXX of XXXX in XXXX that is NOW CLOSED because i paid the {$2100.00} amount. However we couldn't proceed with the initial information intake because the date of birth and address did NOT match mine. They notified me that it sounds like identity theft and I need to report this. I gave them BOTH of my addresses that are for my residency for the last 20 years at XXXX XXXX XXXX XXXX XXXX CA XXXX and my current address since XX/XX/XXXX at XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX. 
They stated the address on the account is XXXX XXXX XXXX XXXX and I don't know anyone with that address! They also stated the date of birth was different. My date of birth is XX/XX/XXXX, the date of birth they had on file was XX/XX/XXXX! 


For the past several years I've been paying off someone else 's bill! AND my credit has been affected by it!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Experian Information Solutions Inc.
State: MD
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the 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 explanation
Consumer complaint received 2021-03-19
Company: Medical Business Bureau
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i attempted to report this and i got more information. 
the initial creditor is out in illinois for an XXXX. I've never even had XXXX or been to illinois! 
I contacted the medical business bureau and they stated the addressXXXX XXXX  XXXX XXXX and the date of birth XX/XX/XXXX. I don't have that date of birth and ive never lived in that address. Ive never lived outside of California or visited anywhere in the US past XXXX XXXX Nevada. 
Original Creditor XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date Opened XX/XX/XXXX Account Name MEDICAL BUSINESS BUREAU , LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: BAM Management US Holdings Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I became a member of Binance.US in the begining of XXXX and deposited XXXX dollars over thtrough the first ten days of XXXX when, i got a chargeback, which happened XX/XX/XXXX, it took until XX/XX/XXXX to get that resolved after multuple attempts to resolve it and multuple attempts to get ahold of customer service. I have tried to cash out of of all my crypto currency multuple times and also tried to buy crypto to add to my portfolio, i feel like this whole process has cost me XXXX  of dollars on top of what i invested, they have not helped, nor have they responded to any of pleas for help, this is a lot of money to me and i just want to get it out, please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
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:
The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed 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. 

You Violated The United States Code Law 15 U.S. Code 1681b. I never gave you any written consent to report anything on my consumer report. 15 U.S. Code 1692g - Validation of debts ( You were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I DO NOT validate this debt ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.

I have not supplied proof under the doctrine by silence Engelhart v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist.

It has been well over 30 days and i have not recieved a response. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be REMOVED and if you are unable to provide me a copy of verifiable proof, you must remove this account. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any documents/evidence I demand this following accountS be removed immediately

Company response to consumer: Closed with explanation