BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I contacted Experian through their website to request that a fraud alert is added to my credit report after becoming aware that I was the victim of identity theft. Their system told me that my request could not be processed online. I downloaded a form that I printed and mailed with a copy of my driver 's license and my Medicaid eligibility determination letter to prove my identity. I don't have regular medical insurance, bank, or credit accounts. Yesterday I received a letter telling me that they can not process my request for a copy of my credit report and asking me to buy one. I did not request a copy of my credit report. I only wanted that a fraud alert is placed on my credit file.

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 2020-10-19
Company: Experian Information Solutions 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:
I have not got a response from them and its been over 7 weeks. It is my understanding that they are to block fraudulent items in 4 days. they now have multiple violations. See attachments

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 2018-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX and XXXX I sent payments of {$200.00} each to pay for items purchased from seller. After numerous attempts to get products ordered, the seller agreed to a refund. After numerous attempts to get refund went unanswered I contacted XXXX and my Bank of America for help getting refund. Temporary refund was given to me while investigation was done. Proof was given to bank which clearly showed that the seller agreed to a refund but never gave me one. The bank apparently worked with XXXX to retrieve my funds but XXXX disputed the case by sending in proof that I made the payments. The bank then sent me letters stating my dispute was closed and the temporary credits were going to be reversed on XX/XX/XXXX and XX/XX/XXXX and i need to contact the seller. Im frustrated and angry the bank that I have been with for over 20 years does not have my back when it comes to this situation. The dispute was not whether or not I paid, the dispute was I didn't receive my goods that I purchased. So for them to dismiss my claim because XXXX sent then proof that I made the payments is simply ridiculous to me. I am a single struggling parent that does not have money like that to just let go. Im fighting because I need and my child needs my money.

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 2017-08-10
Company: EQUIFAX, INC.
State: GA
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 written all three Credit Bureaus XXXX, XXXX and EQUIFAX about my daughters XXXX  student loans still reporting on my Credit Report way passed the seven year mark. The following dates are listed XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I feel that the loans should be deleted because its past seven years. XXXX has also deceived me in the past asking for my Pay stubs saying I would be in deferment and they have constantly added lates every month recently as if I should be paying. They never put anything in deferment but have been constantly adding lates and dropping my score and the credit bureaus have allowed this. I ask for a fair investigation and they failed to provide that if they did they would see that XXXX is reporting and inaccurate and would have deleted the account for being inacurrate or for again it being passed seven years. XXXX is not the only account passed the XXXX year mark still reporting. I have a XXXX account and a XXXX account from XX/XX/XXXX and XXXX XXXX XX/XX/XXXX both again passed seven years I feel the bureaus are almost getting a kick out of seeing my down and not be able to obtain credit because I have wrote them several letters concerning this and I have been treated unfairly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This account isn't mine the account says the loan was opened XX/XX/2018 which is false I didn't attend school in 2018 so have no idea what this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
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:
I am sending the third complaint about the erroneous information you continuously report on my credit file. For the final time I am disputing all the accounts listed as fraudulent accounts. I am unaware of the accounts. I have been a victim of identity theft in the pass and it seem as if this is a case of identity theft. I know it well to often and I shouldnt suffer any longer for someone elses wrong doing. I would like to dispute the accounts as an internal dispute and an affidavit. Removed the accounts from my credit report immediately and permanently within 72 hours or else I will be seeking a lawsuit on your company for violating my rights and seeking {$10000.00} for damages, hospital bills & distress. This is a serious matter. 
XXXX XXXX, XXXX, XXXX/ XXXX , XXXX XXXX. You can contact me at XXXX or my email for any questions. Also please be sure to list this address and remove every other address, numbers or information that is erroneous from my account within 72 hours. 

Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08
Company: CORELOGIC INC
State: AZ
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:
Hard enquiry from Unknown resources on XXXX 1. Institution Information XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX 2. Institution Information Corelogic XXXX, CA XXXX ( XXXX ) XXXX XXXX. Institution Information XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX 4.  Institution Information XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Hard enquiry from Unknown resources on XXXX  1. Corelogic Credco XXXX, CA 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 explanation
Consumer complaint received 2019-11-08
Company: VW Credit
State: AZ
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:
Hard enquiry from Unknown resources on XXXX 1. Institution Information XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX 2. Institution Information XXXX XXXX, CA XXXX ( XXXX ) XXXX 3. Institution Information XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX 4. Institution Information Vw Credit XXXX, IL XXXX ( XXXX ) XXXX Hard enquiry from Unknown resources on XXXX  1. XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX is a collection agency collecting for XXXX XXXX  in the amount of {$150.00}. I dispute was sent to the collector and all three Credit Bureaus over 60 days ago. No one has responded as required by the FCRA and XXXX to prove ownership of the debt by purchase order, itemized billing statement, and a signed contract bearing my signature and identification. An entity simply can not demand payment without ALL of these documents. Since it is has been over 30 days ... Initial contact made to all parties including the Credit Bureaus on XX/XX/2020, this item MUST BE REMOVED FROM ALL CREDIT REPORTS or legal action can take place because it is hindering my quality of life wherefore monetary compensation will be demanded in the court of law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
CFPB collection dispute complaint, On XXXX 2023, XXXX XXXX XXXX collection added a derogatory mark on my credit report per XXXX XXXX  and XXXX. Upon further research, this account was transferred/ sold from one account to XXXX XXXX XXXX collection. 


I as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX  collection did not verify my debt validation, and which shows XXXX XXXX XXXX collection has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house.

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 2020-07-07
Company: Deinde Online Services, LLC
State: MO
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:
According to XXXX XXXX a short term loand was opened with my information - all correct except spelling of first name, bank and email. The original account was oppend with Integra Credit who never contacted me. My first contact regarding this fraudulent account was from XXXX in XXXX of 2020. 

During my first conversation with XXXX  I was told that it was an Integra account and any dispute had to be addressed with them. On XX/XX/2020 I contacted Integra who informed me that the account was no longer their 's but instead was sold to XXXX. Any dispute needed to be filed with XXXX. All further attempts to contact XXXX went to dead phone lines. 

On XX/XX/2020 I recieved written communication from XXXX stating that they investigated and determined the account was valid and that I now owed XXXX plus an additional late fee for XXXX. 

On XX/XX/2020 I spoke with a XXXX employee who informed me I needed to file a police report and return with the letter ( which will be done today, XX/XX/2020 ). The XXXX employee also informed me they are simply collecting the debt for Integra and that the account is not a XXXX  account. This contradicted the information provided by Integra on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company ( XXXX XXXX XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN with XXXX, XXXX, and XXXX  credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I went to TCF get an account for my son. I am his rep payee, I informed them that I was his rep payee. They opened a joint account, that was not a rep payee account. Prior to even opening the the account they said we could dept a check however we would not be be able to take any funds out for 7 to 10 business days, how ever thus would not have worked dir us sye to the fact we needed money right away, we opened an account they failed to call me I owed money from an account back in 2003. They ended up taking my sons XXXX check, i tried taking to them and they pretty much said to bad. My son is a vulnerable adult. This is bit ok for them to do this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-20
Company: Amsher Collection Services, 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: Investigation took more than 30 days

Complaint:
AMSHER is a collection agency collecting for XXXX XXXX  in the amount of {$150.00}. I dispute was sent to the collector and all three Credit Bureaus over 60 days ago. No one has responded as required by the FCRA and XXXX to prove ownership of the debt by purchase order, itemized billing statement, and a signed contract bearing my signature and identification. An entity simply can not demand payment without ALL of these documents. Since it is has been over 30 days ... Initial contact made to all parties including the Credit Bureaus on XX/XX/2020, this item MUST BE REMOVED FROM ALL CREDIT REPORTS or legal action can take place because it is hindering my quality of life wherefore monetary compensation will be demanded in the court of law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2018, I received a letter from Portfolio Recovery Associates stating I owe them monies from the accounts associated with the following numbers : XXXX and XXXX. I never had any accounts with this company or any company referencing this company and I immediately requested Portfolio Recovery Associates to provide me with a validation of debt that is referenced. This company never sent me ANY validation that I owe these debts. I received a one page statement for account number XXXX which was not proper validation. This company never responded with the REQUIRED validation. I have sent several letters requesting the REQUIRED validation of these debts. I have NOT RECEIVED ANY DOCUMENTS!! This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I called this company on XX/XX/XXXX at XXXX and requested this company send me all the required documents for these debts they state I owe. I spoke with XXXX  and she stated Portfolio Recovery Associates have already validated these debts. I requested the documents that show these are mine and I have never received. 

I recently checked my credit files and noted Portfolio Recovery Associates placed the two invalidated accounts on each of my credit files. This is a violation and Im demanding these accounts be removed from each of my credit bureaus. This company failed to provide the required documents within the time provided. I have attached EACH of the letters I received from Portfolio Recovery Associates and EACH of my responses to Portfolio Recovery Associates. I NEVER received the validation I requested by law. I should I have received something from these accounts prior to placing any data on my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I wanted the XX/XX/2020 payment deferred due to COVID-19. Discover refused to allow the deferment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Capital One is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt on there. I called immediately and settled this. I was very confused because I had settled this account before it did charge off so I wouldn't have to worry about that. I however, was unaware about any remaining balance on that account. When I spoke to the representative I let them know that I would like to settle the full amount and thought that was done with. However, I ended up paying the charged off debt for {$45.00} that I was not aware about. I never received calls or notices about it. I ask that Capital One please remove this from my credit as it was their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint:
The month of XX/XX/2018, I received checks from Sears Mastercard stating that I could use the checks for a balance transfer. I sent one of the checks to pay off another account. In 2 weeks, I checked the account to make sure it was paid off, and it was not. I called Sears Mastercard, and they argued with me telling me it took 2 wks turn around. I waited the 2 weeks, and still nothing. I called Sears again and told them, I was going to find another source to pay off the card as I only had one week to avoid their deferral interest charge. They told me they would stop payment on the check but charge me XXXX dollars for their inconvenience. Sears told me the slowness of the US mail was not their fault. I told them it was not my fault either, but they would not stop payment on the check. Ten days later, the card I was paying off received the check, and I thought everything was fine, but Sears said the check reached its expiration date, and they would not use it. Now I have a {$600.00} charge from the credit card to be paid off, as well as a bounced check charge. I will never use a Sears Credit  Card again, and will stop purchases at Sears for using the services of 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 2020-12-02
Company: Suttell, Hammer & White, P.S
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To : XXXX Re : Suttell & Hammer/ XXXX credit card account that is not mine XXXX I wish to make a complaint against a debt collector, Suttell & Hammer , who are in violation of the California Fair Debt Collection Practices Act and the federal Fair Credit Reporting Act. 

I have been the victim of identity theft. XXXX had claimed they issued a card to a person with the same first name, but a different last name than me, and now XXXX and the company they sold the debt to, Suttell & Hammer, claim that this account is mine. 

This identity theft XXXX  account has been added to and is negatively impacting my consumer credit files since XX/XX/XXXX despite the numerous disputes and certified letters with documentation including my FTC Identity theft report, my police report, and proof of my identity -- that I have sent to XX/XX/XXXX, Suttell & Hammer, and the CRAs XXXX, XXXX, and XXXX. 

I do not have an account, nor have I ever maintained an account with XXXX. 

XXXX claims that the account was opened via an internet application we received on XX/XX/2016. Note that the account was allegedly opened for a person with the same first name, but a different last name than me. I have never had or used any other name. 

Any person or persons with my stolen identity credentials and malicious intent could have opened this account via the internet. Suttell & Hammer and XXXX refuse to provide any contractual documentation to me regarding this account. Further they refuse to remove it from my consumer credit files despite the fact that I have, on multiple occasions, provided them with all of the documents theyve requested proving my identity and the fact that I have been the victim of identity theft. The latest certified mailings I sent them with this information was on XXXX. 

I have repeatedly contacted both Suttell & Hammer and XXXX in my efforts to resolve this issue, but they have not removed this account from my consumer credit files and Suttell & Hammer continue to harass me in regards to this debt. 

There is no pending court action and I have not filed a lawsuit regarding this matter. 

The resolution I am seeking is for Suttell & Hammer to cease contacting me regarding this debt and to remove all instances of it from my consumer credit files. I further request that XXXX be compelled to do the same.

Company response to consumer: Closed with explanation