BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: NY
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 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 explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: OH
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 XXXX Account Number XXXX XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: Choice Recovery, Inc.
State: PA
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:
Unauthorized usage of credit information was never confirmed to be placed on credit report, this is harming my credit scores drastically and is stopping me from moving forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
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:
I hope this letter finds you well. I am writing to express my deep frustration and dissatisfaction with the numerous attempts I have made to remove fraudulent items from my credit file through Credit Bureaus. Despite multiple requests, the fraudulent entries persist, causing significant distress and negatively impacting my financial standing. 

The continued presence of fraudulent items on my credit file is not only inaccurate but also poses a severe threat to my financial well-being. I have attached supporting documentation for each attempt made to rectify this situation, highlighting the urgency and seriousness of the matter. 

I request your immediate attention to the following actions : Conduct a thorough and expedited review of my credit file to identify and remove all fraudulent entries. 

Provide written confirmation once the fraudulent items have been successfully removed. 

Investigate the source of these fraudulent entries to prevent similar incidents in the future. 

I understand the importance of maintaining accurate credit information, and these inaccuracies are adversely affecting my ability to access financial services and secure favorable credit terms. Therefore, I expect a swift and diligent investigation into this matter. 

Failure to address this issue promptly may compel me to escalate the matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraudulent items in my credit 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 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 2023-09-08
Company: Experian Information Solutions Inc.
State: NE
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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit 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 explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, had violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2. Also states a consumer reporting agency can not furnish a account without my written consent.

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 2020-09-29
Company: NCB Management Services Inc.
State: GA
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/2020 I placed a call to NCB Management to discuss a notification received by mail. The call was transferred to supervisor, XXXX XXXX. I requested details of the bill. She indicated this item was an online transaction and provided details. I requested proof of documentation be mailed to my address on file. Additionally, I advised I was disputing this debt. She advised if it is fraud then I should have filed a police report. I would like this investigated for Fraud and any proof and applicable documents be mailed to our home address. I have no business relationship with NCB and do not owe NCB any money per any contractual obligations. The charges are fraudulent. 

Please remove this from my credit bureaus and communicate with me via mail only.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: CA
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 to the Fair Credit Reporting Act these two companies have violated my rights ..... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681 SECTION 602A states I have the right to privacy.

15USC 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: PA
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 reached out to XXXX back in XXXX of XXXX due to them providing personal information to XXXX party Companys, XXXX XXXX, XXXX, and Experian providing false late payment information and account information. They are in direct violation of the Privacy act of 1974. This information provided is negatively affecting my credit report I have disputed this with the credit bureaus for accuracy of reporting as well. This company is in direct violation of 15 U.SC 6802 & 16 CFR 313.1 and U.S.C 1681 ( b ) No opt out notices were giving in regard to summiting non accurate 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 explanation
Consumer complaint received 2023-07-10
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 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 from my credit report it has been over 30 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, XXXX and Transunion 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 non-monetary relief
Consumer complaint received 2023-04-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Dates transactions started. 
XX/XX/2023 amount of $ XXXX XX/XX/2023 amount of {$500.00} XX/XX/2023 amount {$500.00} XX/XX/2023 amount of {$200.00} XX/XX/2023 amount of {$500.00} XX/XX/2023 amount of {$200.00} XX/XX/2023 amount of XXXX XX/XX/2023 amount of $ XXXX XX/XX/2023 amount of XXXX XX/XX/2023 amount of $ XXXX XX/XX/2023 amount of XXXX These are all the transactions and dates listed above, that have been processed out of my account without my knowledge and authorization. I started a fraud claim with chase as soon as I noticed the bigger transactions coming out of my account as well as spoke with XXXX XXXX about this matter. I was not aware how far back it started happening until I was given a detailed list with all my transactions dating back to XX/XX/2023. Both chase nor XXXX XXXX where of any help in this situation. XXXX XXXX was unable to give me any information of the whereabouts of where the money coming out of my account was going to. I have contacted chase to try and hopefully get some good news on the Claim, but was told they had declined all matters of my claim since I did not report any of the other transactions dating back to XX/XX/2023 that was not aware of until given my copy of Transactions. My account is still open and is still attached to the XXXX XXXX account. due to the matter of how much has come out of my account and the way both banks have handled my case I could have just closed my account and gone somewhere else, upon seeing how far this goes back I can not let this go. I spoke with chase about getting in contact with XXXX XXXX as they told me they would need to talk bank to bank to try and figure out what happened but chase closed my case and decided not to look into the case any farther.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-29
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On  accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on  occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX and XXXX  XXXX  within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: Financial Business and Consumer Solutions.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Adverse debt reported to XXXX in the amount of {$150.00}. Contacted XXXX at XXXX XXXX and XXXX XXXX ( listed on XXXX Report page of which is attached ). This account dates to XX/XX/XXXX from an Emergency Room Doctor named XXXX XXXX ( no clue who she is ) at XXXX XXXX in XXXX, Ohio. XXXX part of the XXXX billed insurance and subsequently billed me for what Insurance did n't pay. Account was then turned over for non pay to a XXXX XXXX who never contacted me ( phone number has been the same since XX/XX/XXXX ) and finally was purchased by the aforementioned company. I requested of XXXX a copy of the original debt and explained that I have not lived in XXXX for SEVEN YEARS and would never allow a medical debt to go into collection. This is beyond belief that this company can place collection activity on my account as the XXXX Company ... simply blackmail to get me to pay a debt I may or may not owe. To reconstruct medical records from an insurance company I not longer have would prove impossible and beside the fact that what is billed and co pays requried by subscriber are usually XXXX. This item needs to be removed from my XXXX Report and these companies need to be put out of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 to the Fair Credit Reporting Act these two companies have violated my rights ..... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681 SECTION 602A states I have the right to privacy.

15USC 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an 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 2022-04-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please FIX the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3600.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$5900.00} XXXX XXXX  XXXX  XXXX Date Opened XX/XX/XXXX Balance {$19000.00} XXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$19000.00} XXXX XXXX XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3.00} XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$17000.00}

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 2023-09-06
Company: Atlanticus Services Corporation
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I used my aspire card for groceries, paying the bill in full after each use. On one occasion, I had used the wrong card, so I pulled the money in cash from my aspire card. The first pull did not work, so I tried again. I spoke with a rep who told me to try another atm. I did, and successfully withdrew one cash advance. I went to use the card, only to find my card declined. I checked the balance and it said I owed XXXX, which is over my limit. I spoke to one rep, who said my acct was closed due to inactivity. That didn't seem right, so I called in, the sup on duty told me I had to pay the XXXX, and my acct closure was permanent. Still no reason as to why my acct was closed. I spoke with the atm company where the cash withdrawals failed, and they said to file a dispute. I called aspire and got the paperwork. Still no reason for closure. Filed the dispute, and went to check on the status today. Both atm withdrawals that were declined were put back into the acct. Called to inquire again as to why my acct was closed. Told I should have been more responsible. Spoke to the sup on duty, who just kept repeating that it is in the cardholder agreement that they don't have to tell me. If those were fraudulent charges, as a consumer, I would have been being punished, and forced to either pay or deal with the dispute process and hope for the best, while still having no clear answer as to why. Now my credit is going to take a hit, and I still have no answer as to why. The reps were for the most part rude, unsympathetic, and as a whole, had no interest in actually helping me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and this my first formal complaint against Midland Credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: Resurgent Capital Services L.P.
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:
Approximately 4 weeks ago I realized some erroneous/ derogatory information was being reflected on my credit reports. I first called to try to resolve and make sure no further charges occurred as I believe that I am a victim of identity theft. I then submitted disputes with XXXX, XXXX and XXXX. I could really use some help trying to sort this out and want accuracy. This is negatively affecting me and my credit. These accounts do not belong to me and I never opened or applied for credit with these companies/ banks. Was it done in-store or online? Is there a photo id or signature verification? What City and State did this fraud happen in? Is there PROOF that these accounts/ debts belong to me? I had a primary residence for 15 years ( XXXX to XXXX ) ; then lived at a friend 's house for XXXX XXXX ; and have been at my current address since XXXX ( XXXX XXXX ). This can be substantiated with change of address status thru USPS as well as filed tax returns. I never benefited or received any merchandise, products, or items including lines of credit, loans, or finances since I did not shop, order or conduct business with these companies/ banks. Those falsely reporting against me are : XXXX XXXX XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation