BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-09
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: Information belongs to someone else

Complaint:
I HAVE HAD A CHANCE TO CAREFULLY REVIEW MY CREDIT FILE AND I CAME ACROSS SOME DEROGATORY ACCOUNTS THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS HAVE NOT BEEN AUTHORIZED BY ME. THE ACCOUNTS DO NOT BELONG TO ME AND IS NOT AFFILIATED WITH ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER AND RESOLVE THIS ISSUE BY REMOVING THE DEROGATORY ACCOUNTS OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2023-02-03
Company: TRUIST FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive filed several disputes to remove this item from my credit stating it was from identity theft even sent in a ftc report along with police report and a copy of my id and they keep saying its verified accurate transunion an XXXX are giving me such a hard time with this account ( regional acceptance ) last dispute with report and ftc report was on XX/XX/ in with they have closed and Ive had to file yet another one XXXX removed the items on my police 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 2018-04-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Attempted to speak with representative in reference to amount and come to an agreement of {$25.00} a month until paid in full. Company would not accept and threatened me with jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
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: Account information incorrect

Complaint:
I am having issues with missing information on my credit report. I have a XXXX XXXX account # XXXX EXP XX/XX/22 that should be reporting for {$4500.00}. My name and address is XXXX XXXX, XXXX XX/XX/XXXX, XXXX FL XXXX. 
SS XXXX, DOB XXXX. My account is not show on m credit report and it should be.

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 2018-02-15
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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries are unknown to me and I do not recognize them or authorize them. I was a victim of identity theft and I do think this was all done while that was going on. 

Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX : : Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX   Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX ( XXXX ) Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was hospitalized sometime in XX/XX/XXXXI dont know exactly when but I know I had CA state medi-cal insurance. The hospital has to provide that for you if you go into the emergency room by the way by the Obama care act of XX/XX/XXXXbut I already had insurance. I went to a mental hospital and a drug program and I had no contact with my parents and that includes any mail. My mother was throwing it out. I had no knowledge of the account until a year later when I opened up a XXXX XXXX account and saw that This was on it. I was wrongfully billed by XXXX XXXX XXXX and when I called the collections they said it had already been a years time given for me to dispute so there was nothing I could do about it. I was unaware of the account though. I just have been so busy with my life situation and issues I havent found the time to sit down and complain about this. I talked to the collections in XX/XX/XXXXI believe.

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 2023-05-20
Company: BARCLAYS BANK DELAWARE
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Barclays has not provieded me a valid reason that the charge was valid. This is NOT my signature

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 monetary relief
Consumer complaint received 2023-05-20
Company: Bridgecrest Acceptance Corporation
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & No ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. XXXX  states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also statos a consumer reporting ageng can not furnish an account without my written Instructions.

16 U.B.C 1666B : A creditor may not treat a payment on a credit card account open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct Violation of several laws under The Fair Gredit Reporting Act

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: The Nguyen Law Firm, PLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Third party not involved, On XX/XX/2021 I received a letter in the mail from Nguyen| Ballato Law Firm stating that I owe an alleged debt of {$77.00} plus attorney fees of {$25.00} totaling to {$100.00}. I sent out a letter requesting that Nguyen|Ballato provide me with documents stating that I owe this alleged debt, who gave Nguyen the right to have my information and collect on this alleged debt etc etc. 

My Consumer rights and my Rights to Privacy have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I disputed a collection account with XXXX and XXXX  being reported by XXXX XXXX XXXX and both credit reporting agencies responded back that the account was verified as mines. I have never had an account with XXXX which is the company ERC is collecting for and also I have NEVER received any correspondence or letters from ERC about this debt. I have no knowledge of this account and I have never opened any contracts with XXXX. This negative information being reported is negatively affecting my credit and I want it removed immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: SC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I had a Bank of America Visa which had no balance. BofA started charging me a monthly fee for not carrying a balance without notice, then reported me to XXXX for not paying. The amount? XXXX dollars. This cause the rates to rise on all my accounts because my credit score went down. This is borderline extortion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-05-28
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: Information belongs to someone else

Complaint:
I am interested in processing disputes on my credit report with experian To delete an remove all inaccurate information that is hurting my file. checking the data on all platforms everything is not matched. this has caused alot of errors in approvals an denials with m credit. this is issues that need to be resolved to correct my file asap.

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 2023-05-28
Company: Experian Information Solutions Inc.
State: NJ
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:
XX/XX/ began disputing credit report. Experian, XXXX XXXX, XXXX et al have reported inaccurate information on credit report and have not deleted information reflecting an accurate credit score.

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 2023-04-10
Company: EQUIFAX, INC.
State: IN
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:
Please 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XXXX  I found a card on my credit report from Barclays Bank which was not mine it had some charges on it I contacted Barclays Bank they plainly denied it I told them it is a fraudulent card but after denial I contacted consumer financial protection bureau who researched it and Barclays accepted that the charges were fraud and close the card guess what they transferred the balance to a new card which never was mailed to me after some time when I found out that there is another card in my name I contacted Barclays and they said you must make minimum payment otherwise your credit report will be reported late so I in order to save my credit report I made the minimum deal and started investigation Barclays took so long and during the meantime I kept on paying money which I never owed to them after some time I just gave up because whenever I contacted them with a fraudulent card they will close it open a new account never mail the card to me and then say this is your balance I stopped paying them the card became charged off attached are the letter from Barclays in which they accepted fraudulent charges and the identity theft report please help me in removing this listing and getting my paid money which I never ordered them returned back to me ATTACHMENT

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 2021-06-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2021 XXXX XXXX XXXX did run my credit more than 3 or 4 times or more. They told me that they will only run credit on XXXX but now I have an extra inquiry in XXXX & Equifax dated XX/XX/2021 Please have XXXX XXXX to send a letter to them ( XXXX & Equifax to remove both inquiries. My credit decreased & this is affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
THE DEBT COLLECTOR MADE FIRST CONTACT ALMOST A YEAR AFTER I MOVED FROM THE SERVICE ADDRESS TO WHICH I WAS ON A BUDGET PLAN ALSO KNOW AS ( XXXX  ) FOR LOW-INCOME INDIVIDUALS. A LETTER WAS SENT TO HELVEY & ASSOCIATES AND ADVISED THEM THAT THIS BILL WAS NOT OWED TO THEM AND WAS PAID DIRECTLY TO FIRST ENERGY. 

I ASKED FOR A DEBT VERIFICATION NOT A VALIDATION AND HAVE NEVER RECEIVED A RESPONSE. THEY HAVE WASTED NO TIME IN PUTTING THIS XXXX CHARGE THAT THEY HAVE NOT VERIFIED ON MY CREDIT REPORTS. 

I ALSO ASKED THEM IF THEY WERE LICENSED IN THE STATE OF OHIO TO ATTEMPT TO COLLECT DEBTS AND NO RESPONSE! THE DEBT WAS AND HAS BEEN DISPUTED AND HELVEY & ASSOCIATES NEEDS TO REMOVE THIS FROM MY CREDIT FILE ON ALL 3 CREDIT BUREAUS IMMEDIATELY OR I WILL FORWARD THIS TO MY ATTORNEY XXXX XXXX XXXX AND FILE FOR DAMAGES AGAINST HELVEY & ASSOCIATES FOR DISREGARDING THE FAIR DEBT COLLECTION PRACTICES AND NOT FOLLOWING THE LAW AND IREPTUIAL HARM. 

PLEASE PUBLISH THIS ON CONSUMERFINANCE.GOV SO OTHERS CAN BE AWARE OF THESE SHADY COLLECTION COMPANIES WHO TRY TO INTIMIDATE POOR PEOPLE. 

THEY ALSO HAVE A BAD SCORE WITH THE XXXX XXXX XXXX HAVING 62 COMPLAINTS WITH IN THE THE LAST 3 YEARS.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account belongs to someone else and it's reporting on my credit report. This account never belonged to me and I want it removed off 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 2019-04-30
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:
this is my second attempt to write to consumer protection bureau, i have been a victim of ID theft and three unfortunate accounts were opened under my name with out my knowledge, i have attached my police report due to that matter, please help me in this issue, i do not know where else to turn to, you are my last hope, if i had the money i would have definitely hired a lawyer to resolve this issue, but unfortunately i do not, please i would greatly appreciate you help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
There is a late payment on my account that is messing with my credit score. I tried to call the company no response I dispute it the transaction and they still giving me the runaround.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: First Credit Services Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit score on XX/XX/XXXX and noticed it dropped 55 points because something was in collections. The amount was for {$140.00} and the account was opened on XX/XX/XXXX. The company was First Credit Services. The original debt was from XXXX XXXX XXXX. I called First Credit Services and told them I never received a notice or a phone call. Then then asked for my phone number and address. The address they send my collections to was an address I moved out of in XXXX of XXXX. 
I canceled my gym  membership in XXXX of XXXX and paid first and last month of my membership. They charged me late fees and in XXXX charged me an annual renewal fee even though I canceled in XXXX. I was not aware anything was going to collections and XXXX never called me to inform me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Capital One : On XX/XX/XXXX I got a call from Capital One advising that an application was opened in my name and they want to verify the information. 
On XX/XX/XXXX, I get the message from my phone and I call them back. 
The first thing I advise is that the name they said the application was opened with, is actually not my name. 
The agent asked for the last 4 digits of my social security number and I refuse to provide it. I ask her why would I continue to provide confidential information on an account that is not mine. The name on the account is not my name. I insist she must have another way to verify the account. 
She then looks to the city and state where the account was open and we discover that I do not live in that city/state ... and so again the account is not mine. Yet she is telling me that she can not close the account because I won't give her the last 4 digits of my social security number..but that she will instead notate the account that I called. 

When I am not pleased with this she transfers me to the fraud team only for that person to advise that he needs to transfer me to the application team because he can't see the application. So I transfer back to a different agent, clearly the account wasn't notated because she wants to start from the very beginning and now I am frustrated. In the end she does nothing. Says she can not help me. 
I don't understand the logic here. You called me and I am returning the call. We have verified that the name is not mine and the city/state is not mine and I am advising that I haven't opened an account. Why would you expect me to continue to reveal my personal information on an account that I am advising is not mine. I don't have an account with Capital One. I would not have an account as they serve people who are at the lower end of the credit rating scale.

Company response to consumer: Closed with non-monetary relief