BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-05
Company: EQUIFAX, 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:
I received a copy of my credit report which showed accounts and inquiries that I did not authorize. I understand you should not be allowed to put an account or inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Information ) : Fraudulent Accounts : XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX  XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX  : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX DEPT OF EDXXXX : Acc : XXXX Date Opened : XX/XX/XXXX DEPT OF EDXXXX : Acc : XXXX Date Opened : XX/XX/XXXX XXXX  : Acc : XXXX Date Opened : XX/XX/XXXX XXXX : Acc : XXXX Date Opened : XX/XX/XXXX Fraudulent Collection : XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX   XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX HOSPITAL : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX  : Inquiry date : XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, 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:
fcra violaitons remove it : not mine : XXXX/DEPT OF ED Potentially negative Date opened XX/XX/XXXX Balance {$3900.00} Status Open. 
XXXX/DEPT OF ED Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$830.00} Status Collection account. {$830.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Atlantic Credit & Finance, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I recently had to cancel my phone plan due to lack of finances from being on XXXX. After my phone was disconnected my parents, whom Ive never provided their information to anyone and I do not live with or have any connection other than relation, they began receiving calls repeatedly throughout the day from Atlantic Credit and Finance. Despite telling them they have the wrong number and that they do not have a way for them to contact me because of the phone issue they keep calling right after getting off the phone with them and harassing them asking for me. They have asked them to stop calling them multiple times. The individual that calls them every time is named XXXX and will not give them any information or a way for me to contact them other than by phone.

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 2018-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Had a bill for a {$1500.00} fromXX/XX/XXXXuniversity that I paid on XX/XX/XXXX ( as shown in screenshots from bank account statements ), but they sent that bill to a collection agency XXXX XXXX XXXX who have now added an additional {$500.00}, saying that I owed them {$2000.00}. The date they gave me when I called them was XX/XX/XXXX ... but I never attended XXXX in XX/XX/XXXX, dropped out at the end of the spring semester XX/XX/XXXX This account in collections shouldn't exist.

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 2021-10-09
Company: AFNI 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: Account information incorrect

Complaint:
On XX/XX/2021, I disputed AFNI, INC account on my consumer report via XXXX as inaccurate. The account showed a balance of {$680.00} and listed XXXX XXXX as the original creditor. According to Congress, once I dispute the validity of any alleged debts, I will be provided with all 5 requirements to validate the debt pursuant to federal law 15USC1692G. I never received validation. On XX/XX/2021, I contacted XXXX and on XX/XX/2021 I contacted XXXX and XXXX via telephone and informed them of the invalidated and inaccurate information being reported. I asked all involved to stop communicating and reporting for all purposes in regards to me, the consumer, because I, XXXX XXXX XXXX never directed them verbally or in writing to report or communicate anything about me. On XX/XX/2021 and XX/XX/2021 I submitted a complaint via CFPB website. On XX/XX/2021 I contacted AFNI, INC via telephone. Representative XXXX asked for my social security number to verify my identity and I replied I did not feel comfortable with giving out my social, and asked if there was another option to verify. XXXX asked me to confirm my first and last name and address, I confirmed my name and stated XXXX had an old and bad address and that I did not currently have an address. I asked XXXX for a copy of my contract and a payoff quote to be sent to me via email. XXXX replied they were a collection agency and could not provide me with the contract but confirmed the balance on the account as {$680.00}. XXXX stated they could offer a settlement offer of 45 % which would bring the balance to {$370.00} to settle. XXXX then directed me to the website ( XXXX ) and stated everything I was asking for could be found online. XXXX confirmed my account number and information I would need to login online. I downloaded the exhibit offline from the website. As of today, XX/XX/2021, AFNI, INC is still being furnished on my consumer report via XXXX. I, XXXX XXXX XXXX, never gave AFNI, INC permission to report anything to the credit reporting agency pursuant to 15USC1681b ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I emailed the escalations department of RPM collection agency to inform them I have called and spoke to a representative regarding the account in question that this is not my debt, I have never heard of the company and they don't even have my named spelled correctly. I asked them to send me a validation of this debt, a signed contract etc .... I was emailed back and told they would send me validation of the debt. I received a letter from them on XX/XX/XXXX stating enclosed was the validation of the debt. The only thing enclosed was a current bill, this does not validate the debt. The bill is fraudulent. They have reported this to the credit bureaus and it is now on my credit report as an unpaid debt. I would like someone to assist me with getting this fraudulent account out of my name and off of my credit report.The amount of the bill is {$320.00} and the original creditor is 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 explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX is reporting the account that I had with them inaccurately. Equifax is reporting that the account opened on XX/XX/XXXX which is a relatively minor issue as I read through my report I noticed that the date the account was last paid is documented as XX/XX/XXXX per their records mailed to me however on my credit report it reflects the dates XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Equifax ) which is another inaccuracy. 
The terms according to our agreement is a 72 month contract however on my credit report it states that the terms are 74 months. The worst part of this inaccurate reporting is that the balance according to their record is {$8700.00} as of XX/XX/XXXX but they are reporting a balance of {$9800.00} on my credit report. 
Clearly this account has some issues and needs to be audited, however, as of today I simply request that they remove the account from my credit report. I have tried to resolve this issue with the credit bureau 's in which I did not receive response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: MSW Capital, LLC
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:
My XXXX credit report was wrongfully added a false late payment by XXXX XXXXXXXX XXXX  on XX/XX/XXXX and by its collection agent XXXX XXXX on XX/XX/XXXX. Apparently, someone fraudulently opened an account in XXXX XXXXXXXX XXXX by using my social and name and walked away with {$920.00}. I have NEVER opened this account at XXXX XXXXXXXX XXXX. I contacted XXXX and disputed this wrongful posting for three times and they asked me to contact XXXX XXXXXXXX XXXX  directly. I called the XXXX XXXXXXXX XXXX and they asked me to contact MSW Capital which it took over the account of XXXX XXXX XXXX according to the Bank. MSW then ask me to file a complaint.

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 2019-08-11
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I incurred a medical charge to XXXX XXXX in early XXXX in the amount of {$70.00}. At the time I was living on a boat and getting mail at the marina. 

In XXXX of XXXX I moved to land, and not all of my mail was properly forwarded. I never went back to XXXX XXXX, and I learned of the charge the following year. 

In XXXX of XXXX, I sent XXXX XXXX a check in payment of the charge in the amount of {$70.00}. This check was cashed by XXXX XXXX in payment of the debt. 

Equifax credit reports refuses to take this charge off of my credit report, as the collecting agency, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX CA XXXX, ( XXXX ) XXXX claims that I still owe XXXX XXXX {$90.00}. This claim is false, I paid the charges in XXXX of XXXX and my check was cashed by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: SUNTRUST BANKS, INC.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Several things. I filed a chapter XXXX on XX/XX/XXXX. According to rule 3002.1 XXXX : XXXX, the bank must send notice to my attorney and me when interest rates change. I have made 5 payments since XX/XX/XXXX, and my attorney and I have only received one letter advising us of a rate change and the amount due, and that was in XXXX for the XXXX payment. this month, I owe {$700.00}, my rate has gone from 6.49 % in XXXX to 6.75 % today, my payment has gone up {$40.00}. The fed has not raised rates in that time. Can the bank just raise my rate indiscriminately at their whim? I was told on Tues. that my annual rate is 22 %? It's very important to me to keep my home and make payments on the heloc, they are making this impossible. 

In trying to reconcile this with Suntrust, many questionable things happened. I was told to file the form for modification, which I did, many times. Earlier this year when I filed the last one and was rejected, I was told that suntrust Bank doesn't do modifications, they only do hardships. when I asked why I was told to keep submitting applications, he said we can't tell you not to. I've asked many questions, and can not get an honest answer from anyone. I'll attach more of what's happened in the past.

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 2018-05-03
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Firstly, I contacted Coinbase on XXXX2018 for my issues with withdrawing funds, then we identified my problem and they said that I will be contacted by their technician, but that did not happen until today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: EQUIFAX, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a XXXX XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief. 

Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Open Dealer Exchange, LLC
State: NY
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:
XXXX XXXX XXXX- unauthorized hard inquiry on my credit report XXXX 700 Credit/XXXX XXXXXXXX XXXX unauthorized hard inquiry on my credit report XXXX XXXX XXXX unauthorized hard inquiry on my credit report I contacted XXXX about all 3 of these companies as soon as I received the alerts that they had pulled my credit report. When I tried to dispute the inquiries, I was told that I would have to contact the companies directly to dispute it with them. When I tried contacting the companies, I was only able to reach one, as the others had listed a CELL PHONE VOICEMAIL and an inoperable phone number as their contact number. The one company I was able to reach told me that I had to contact the credit bureaus. When I called XXXX back, they told me again that I had to contact the companies. On my third call to XXXX I was told to file a complaint with the FTC, which led me here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
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:
this is unbelievable. I check my credit and I cant understand how someone stole my identity and get away with it they open up Credit Cards and then brought a Car using my information. 
how is this possible don't every company has to do there due diligence for every customer with out my signature. all of theses Accounts are fraud and was not authorize by me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: FIRST ADVANTAGE CORPORATION
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
My report says there is a gap of employment from XX/XX/XXXX to XX/XX/XXXX for 2666 days. I first started working for XXXX XXXX in XX/XX/XXXX in XXXX Pennsylvania ( right after I graduated high school ) and then moved to XXXX Ohio around XX/XX/XXXX or XX/XX/XXXX with the same company to open up the new location in Ohio. I quit working for XXXX XXXX in Ohio in XX/XX/XXXX due to lack of hours. I then worked for XXXX XXXX XXXX in XXXX, TX. I am not 100 % on the dates for XXXX XXXX though. They were a XXXX company at XXXX XXXX XXXX is also a XXXX compliance company ( XXXX XXXX is XXXX compliance Coordinator XXXX ) and I am a CDL driver here which my report states the opposite for both of those things. I have to drive our rolloff truck to deliver and pick up dumpsters on locations and I receive emails and phone calls to make sure our vehicles and trailers are up to date with DOT inspections and are in compliance. So I don't understand why those 2 areas say no on my report. Please contact the companies again to verify the information to correct any issues. They have my Drivers Qualification file that should have all of that information in it. 
I don't understand why the reporting agency can not get ahold of XXXX XXXX out of XXXX Texas. This company is also a DOT company that I received my CDL while working for them. I have never had any issues contacting them before when I have needed to reach them for information. XXXX XXXX works for HR ( XXXX XXXX ) as well as XXXX XXXX ( XXXX ) or XXXX XXXX ( XXXX ) If there are any further question please contact me by cell phone number XXXX so we can clear this report up. I would hate to not be considered for a job position due to an inaccurate background report. All of the information I have given is 100 % accurate. Please try to get the correct information asap. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Medical Data Systems, 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 have reached out to Medical Data Systems several times advising them that the collections they are reporting do not belong to me. They have not provided validation of these debts or there investigation methods. The following accounts need to be removed immediately. 

The following accounts need to be removed : 1. Medical Data Systems- Account # - XXXX 2. Medical Data Systems- Account # - XXXX 3. Medical Data Systems- Account # - 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 explanation
Consumer complaint received 2021-11-05
Company: BANKMOBILE TECHNOLOGIES, INC
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Opened a checking account with XXXX XXXX ( administrated by Bank Mobile , account by Customers Bank ) in XXXX, app said that account can't be used until debit card ships, patiently awaited for weeks, no card, submitted missing card request, weeks later no card. Finally go to try and contact again to get a card shipped and was told my account was closed by their Security Team, and that I am unable to apply for another account. 

Contacted customer service to see what happened, as there's obviously some kind of mistake, and was told there is absolutely nothing I can do ( appeals, information request, escalation, etc. ) and no one I can contact at all regarding this issue by both tier 1 and their executive customer service team. 

Since I am not a bad actor or any kind of security risk, there has obviously been an error, or XXXX XXXX has information that I should be aware of ( potential identity theft, etc. ), but that they won't provide or help with in any way.

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 2021-11-05
Company: RFNA, LP
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The account below is not mine, I have no knowledge of the creditor below. 

REPUBLIC FINANCE XXXX {$8200.00}

Company response to consumer: Closed with explanation