BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/2023 ATTN : XXXX XXXX Department XXXX Ive just reviewed my credit report and noticed the following inaccurate item XXXX with account number XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed additionally late payments are illegal and you are violating the right to my privacy. refer to 15 u.s.code 1681 ( a ). 
In the absence of any such verification, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number. 
Finally, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. 
Sincerely, 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 2022-10-18
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: Information belongs to someone else

Complaint:
My only identifying information is as follows : My address : XXXX XXXX XXXX XXXX, Sc XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

NAME XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX, XXXX, SC, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. 

As a victim of identity theft, I have been forced to endure significant hardships, both financially and emotionally, due to the actions of my ex-wife, who maliciously stole my identity and used it to open unauthorized accounts, make fraudulent transactions, and tarnish my credit history. I reported these fraudulent activities to your bureau on XX/XX/2023 and provided all the necessary documentation to prove my innocence and the criminal nature of her actions. 

I implore your bureau to take my identity theft case seriously and expedite the investigation process. I request that you thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please understand that if my concerns are not promptly and adequately resolved, I am willing to consult legal experts and take this matter to the appropriate regulatory bodies to ensure that justice is upheld.

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 2023-07-18
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: Account status incorrect

Complaint:
HERE IS MY REPORT OF IDENTITY THEFT AND FRAUD I would like everything that i have asked for be removed since i have provided the requested information, and they did not have my written permission to furnish my consumer report, and do not have the right to report this unlawful incorrect information. A written consent as of the " FCRA '' I never gave written consent to any of those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been disputing 2 accounts that are falsely reporting on my credit reports for a year now ; I have never received the proper, legal verification that these debts are owed or that the account was late. XXXX XXXX XXXX is claiming that I have a charge-off but this was paid long ago but they're still reporting this! This should've been removed because it's obsolete and I'm no longer financially responsible for it! Then, XXXX XXXX XXXX is showing a late payment but has never provided proof of the actual late payment ( statement, when they received my payment and when it was posted, etc. ).

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 2021-12-12
Company: EQUIFAX, INC.
State: MS
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is illegally on my credit I have not supplied proof under the doctrine of estopped by silence, Engelhardt V. Gravens ( Mo ) 281 SW 715, 719 I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists

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 2023-08-13
Company: Experian Information Solutions Inc.
State: LA
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 spoke with experian and I have attached the documents that they asked me to send in. I have also sent them a certified copy by mail. I need to resolve this issue as soon as possible, as this is really recking my life. I am taking the ftc fraud steps to prevent it in the future and have also invested into a credit monitoring to stay on top of my credit daily.

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX  XXXX # XXXX, has violated my rights. 


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 agency can not furnish a 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 explanation
Consumer complaint received 2022-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please delete CAPITAL ONE account to ensure maximum reporting accuracy across all consumer reporting agencies. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/2020, I called TransUnion to challenge the public record item showing on my credit file with them. The supervisor named XXXX replied stating that the record was verified with XXXX XXXX, but provided me the telephone number XXXX. That was strange to me because that is a XXXX XXXX area code, and to my knowledge we dont have a XXXX here, so I called and indeed it was NOT XXXX, it was the US Bankruptcy Court. So I spoke to someone in the courthouse, and they stated that they do NOT EVER validate or confirm bankruptcies. I have been writing and calling for an update on this item per the FCRA privacy law to no avail. Per FCRA section 609/a/1/a, the credit bureau must provide physical verification from the original consumer, as I've requested time and time again, if they can not this item must be eradicated as it is a violation.

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 2022-10-18
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
For about a week, my bank, Ally Bank has held a negative balance of XXXX in my account for no apparent reason. I tired to call the bank and tell them twice, but both times i was told they would check it out and make a case and i would be contacted again if needed. Nothing has changed in 3-4 days since i contacted them. My account is still negative. I have not gotten an explanation for this and whenever i try to talk to customer service the wait time is ridiculously long every time. There is no way i owe this much or have a negative balance at all. Im getting extremely fed up with this bank. Bad customer service as well as terrible mobile banking experience as ive been locked out of the app many times and only way to get access back is to call and wait 30-55 mind every time, its unacceptable.

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 2019-10-15
Company: Hiday & Ricke, P.A.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
HIDAY & RICKE THIS DEBT COLLECTOR HAS BEEN COMING AFTER ME FOR YEARS FOR AN UNKNOWN DEBT I ASKED TO RECEIVE A COPY OF THE ORIGINAL CONTRACT FOR THIS DEBT. COLLECTOR HASN'T PRODUCED ANY PROOF OF DEBT BEING OWED. COLLECTOR IS ATTEMPTING TO GARNISH WAGES I FROM A DEBT THAT HAS NOT BEEN PROVEN TO BE MINE AND THE DEBT IS OUTSIDE OF THE COLLECTION WINDOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was opened an XXXX XXXX XX/XX/XXXX. 

Card was sponsored by XXXX XXXX : Address : XXXX XXXX. XXXX, FL XXXX I have made one purchase on that XXXX Card in the amount of {$36.00} on XX/XX/XXXX. The Only 1st and last Purchase I have ever done on that card. 

I made full payment on the exact amount on XX/XX/XXXX with XXXX because they said, they have't received the check i mailed to them. XX/XX/XXXX. 

On XX/XX/XXXX, I called back XXXX and they have confirmed they have received the money and no balance or charges in the account. Since, they no transaction made on this card by me or other parties. 

XX/XX/XXXX, I found a collection account opened by XXXX XXXX XXXX They reference purchasing this account from XXXX XXXX. 

At the end of XX/XX/XXXX, I have contacted XXXX XXXX Department, but they told me the account was sold to Midland. 

I only Made one transaction on that account and it was {$36.00} which I paid in full. 

They did n't had good answer so, they told me contact XXXX XXXX XXXX which is A collection agency who put this on my credit history. 

on XX/XX/XXXX, I wrote a letter to _ XXXX / XXXX XXXX and XXXX XXXX, On XX/XX/XXXX, I received letter from XXXX XXXX Stating this account / matter relating was sold to XXXX XXXX XXXX, on XX/XX/XXXX I have not heard from XXXX XXXX XXXX - now the account balance on record is {$180.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-10-15
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
During this time period I was Incarcerate form XX/XX/XXXX until XX/XX/XXXX. I never had a XXXX phone. I filed a Identity Theft Report on XX/XX/XXXX. I called the collection agency and spoke with XXXX XXXX. 

Thank you

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 2022-10-19
Company: Kriya Capital, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Paid off debt collection XXXX to Credence. Did not recieve a receipt until XXXX. Original creditor XXXX did not agree the debt was resolved nor would acknowledge receipt and finessesed consumer for a payment XXXX yet did not ever disclose the details of the payment nor a receipt only referred consumer back to Credence XXXX. Issued a refund on XX/XX/2022 and again XX/XX/2022 yet did not recieve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 XXXX Account number : XXXX has violated my rights. 
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 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 2021-03-02
Company: Statebridge Company
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX, I received the attached document dated XX/XX/XXXX from Statebridge Company , LLC demanding payment of an alleged debt in the amount of {$70000.00} ( see Attachment A ). 

On XX/XX/XXXX, I sent Statebridge via USPS Priority Mail the attached letter deputing the alleged debt and requested validation, pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Statebridge received the request for validation on XX/XX/XXXX ( see Attachment B ). 

On XX/XX/XXXX, I received the attached letter from Statebridge dated XX/XX/XXXX, stating that they verified the alleged debt of {$70000.00} and that the debt was due and owing to Statebridge ( see Attachment C ). 

On Saturday, XX/XX/XXXX, I received another correspondence from Statebridge dated XX/XX/XXXX, attempting to collect the {$70000.00}. On XX/XX/XXXX, via USPS Priority Mail, I responded to Statebridges incomplete validation of the alleged debt, and gave Statebridge Notice that I would be filing a FDCPA complaint against their company for not validating the debt and for its false, misleading, and deceptive practices in attempting to collect the alleged debt ( see Attachment D ). Statebridge received the XX/XX/XXXX correspondence on XX/XX/XXXX. I did not receive any further correspondence from Statebridge for the remaining of XXXX regarding the alleged debt of {$70000.00}. 

On Thursday, XX/XX/XXXX, I received the attached IRS 1099-C from Statebridge alleging to be the creditor of the allege debt, which Statebridge knew was discharged in the United States Bankruptcy Court, for the District of XXXX on XX/XX/XXXX ( see Attachment E ). Further, Statebridge was not a party, nor creditor in the XXXX bankruptcy case. I believe Statebridge is attempting to file the fraudulent 1099-C with the IRS, in order to receive an illegal {$70000.00} write-off. 

On XX/XX/XXXX, I sent via USPS Priority mail a Notice demanding that Statebridge rescind the 1099-C, within 20 days of receipt of the Notice. Statebridge received the Notice on XX/XX/XXXX ( see Attachment F ). To date, Statebridge has failed or refused to respond to the XX/XX/XXXX Notice, nor did I receive any documentation from Statebridge that they contacted the IRS and withdrew the fraudulent 1099-C. 

Lastly, on XX/XX/XXXX, I received my credit report from TransUnion and noticed that Statebridge illegally pull my credit report on XX/XX/XXXX. I use the term illegally because Statebridge did not have my permission to pull the report. This was an impermissible pull and also a violation of the Fair Credit Reporting Act ( FCRA ). 

I am reporting Statebridges numerous illegal acts and is requesting an investigation from the CFPB in this matter.

Company response to consumer: Closed with explanation