BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-30
Company: FIRST NATIONAL BANK OF OMAHA
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX hereby submits a complaint against XXXX XXXX XXXX as Assignee for First National Bank of Omaha as First National Bank of Omaha is stating that my identity theft complaint is not valid due to not listing the individual transaction. This collection will never stand in any Massachusetts court, and my identity theft complaint is now backed up by a second police report. First National Bank of Omaha is an FDIC insured financial institution, and my rights need to be protected under several federal laws. Recently, I had to re-submit a police report on an identity theft complaint from 2015. Had financial institutions such as XXXX/XXXX  taken my rights serious as related to the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ), I would not be submitting this complaint with the Federal Deposit Insurance Corporation. However, I did initially submit my complaint through the Consumer Financial Protection Bureau ( CFPB ) as a means of bringing my complaint to a level playing field. XXXX XXXX XXXX as Assignee for First National Bank of Omaha is now trying to negotiate a settlement after five years of a dormant account. The account was recently sold off to a third-party debt buyer, which is standard procedure by national banks for unenforceable debts. This debt is no longer valid or enforceable, and my file should be purged permanently. Any response to me with a 1099C submission will be protested with the Internal Revenue Service. I demand a permanent cease and desist from XXXX XXXX XXXX as Assignee for First National Bank of Omaha XXXX, and if a case such as this was ever submitted into a Massachusetts court jurisdiction, the filing attorneys would be seriously sanctioned. The debt is non-valid and my demand for a permanent file purge is within legal guidelines by precedent determined in federal jurisdictions.

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 2020-10-30
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a resident at the XXXX XXXX  located at XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, On XXXX XXXX there was a attempted break in on my unit at approximately XXXX XXXX by a homeless man that broke into the secured building police were called out there were no security to let them in a second call was made and they gain access to my unit later found out there were no cameras however the homeless man was spotted and a chase to place and the suspect got away .Management was notified and nothing came from it .I called the housing court and was told if I fear for my safety which I did I should give them a 30 day notice explaining my fears and concerns I cleaned the unit we did a walk through ( management and myself ) my lease would have expired in XX/XX/2020, I moved out the following month after this incident however I didnt stay there anymore after the night of the attempted break in. XX/XX/2020 I noticed on my credit report from a debt collector ( National Credit System , Inc ) a debt of XXXX from this incident I have disputed this debt on the credit bureaus complains that this is false also attempted to take them to court .I would like this removed from my credit, I have evidence that these charges is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company XXXX has been asked to give the following : Original Contract with my signature Pay off Disclosure Interest Rate Disclosure Balance history Payment history Credit Insurance A check / payment from myself I have received none of the above. This debt has gone from XXXX to XXXX XXXX XXXX To the Bureaus. Take a look at the attached letter from XXXX XXXX XXXX XXXX. They claim they dont know the interest rate. Dont know the Last payment if assignee ( if any???. They have no contract, And to boot at the bottom of the letter is says : This is not an attempt to collect a debt???? WHY WHY WHY XXXX/Equifax are they on my credit report. And as of XX/XX/XXXX it is 4 years and that is the Statue of Limitation in my State of Pennsylvania ... ... soooooo REMOVE NOW!!!! On XXXX XXXX and XX/XX/XXXX it says the debt started XX/XX/XXXX, so thats 4 years, they have no payment history as you can see from their letter, and no checks, contracts anything. So you must remove by law, because im not being sued, this is not my debt and you must remove by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I received my credit report on XX/XX/2023 and notice there were hard inquiries that dont have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on 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 2022-06-12
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12
Company: EQUIFAX, INC.
State: SC
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 following are currently in violation of 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Around XX/XX/XXXX I disputed an old XXXX cellular account from XXXX that I was granted a chapter XXXX discharge for on XX/XX/XXXX. It should not be showing on my credit report whatsoever statue of limitations. XXXX then responded to my dispute by re-aging the account to a much newer account for the same old original account ... so now it will be on my credit report for even longer instead of it being taken off all together like it should have been. I have disputed this incorrect information and reporting over and over with XXXX and Equifax and they will not take it off. XXXX says the updated information reaged acccount is accurate of the first delinquency date being XX/XX/XXXX? Mind you I filed, and was GRANTED a Chapter XXXX bankruptcy with my old XXXX account being included in that discharge XX/XX/XXXX. Out of nowhere XX/XX/XXXX XXXX has started negatively reporting to Equifax of this old account. Again when I disputed this once I found out, they turned around and re-aged the account to look newer then XXXX. Lastly I tried to refinance my car loan for a better interest rate ( bought my car brand new XX/XX/XXXX, not one late car payment ) and I was turned down for the refinancing and that is how I found out about this new/old negative account being reported to Equifax from XXXX. I have written a letter directly to the recovery department at XXXX and they wont help me they just say, the system says this date is accurate therefore they cant do anything.. PLEASE HELP, it is easy to see this is unlawful what XXXX has and is doing but no one will help me. I have spent years rebuilding my credit and this is now happening to me and its effecting my life more then should be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Innovis
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
SinceXX/XX/XXXX I have tried to have a security freeze removed from my XXXX  credit profile. I initially called them onXX/XX/XXXXand they were not able to identify me because my name didnt match their records. However, I escalated to a supervisor who was able to validate me. I was told a pin would be mailed to me in 7 business days. I waited several months and no security freeze letter was received. On XX/XX/, I repeated this process and once again was told a letter was going to be mailed, none was received. I repeated this process every month while also supplying letters demanding the security freeze to be removed. My last interaction was on Thursday, XX/XX/XXXX. 

XXXX is in clear violation for failure to respond and holding my credit profile hostage. 
Ive leaned that they have a name in my profile that doesnt match my drivers license, social security card, my passport, or birth certificate. 

Im demanding action to force XXXX  to comply and correct my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Receivables Management Partners, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, XXXX XXXX Services began calling my wife about a debt owed in the state of Michigan from a doctor visit on XX/XX/XXXX. We used to live in Michigan but moved in XXXX. We have not traveled back to Michigan since moving. I explained to the company that the debt was not ours since we have not lived or visited the state in nine years. They continued to call and send communications that we owed the debt. Each time they said they sent us an itemized bill, which they did not, and talked to the clinic who corroborated it was my wife. I asked for them to send me the bill, but they never did. I didn't hear from them for five months and then they sent a communication in the mail. I called back and was told the same thing as before. Each time I explained it was in error, they either hung up on me or said it was our debt. This last time, on XX/XX/XXXX, I was sent to a supervisor, but she has not called me back. This debit is not on our credit report. Each time I tell them this, they hang up. 

My wife gave a presentation in Alabama on XX/XX/XXXX. I have debit and credit records that show us using it in Alabama. They don't seem interested in any of that. This debt is not owed by us and we will not pay it. It's in error but XXXX is not interested in the truth. I would like them to stop calling and harassing us. 

I have attached the mailer that they sent. Also attached is a record of my debit card activity that shows my and my wife 's card activity on the day before the visit, the day of the visit and the day after. Which shows we were not in Michigan at the time of the clinic visit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Since XX/XX/XXXX I have tried to have a security freeze removed from my XXXX  credit profile. I initially called them on XX/XX/XXXX and they were not able to identify me because my name didnt match their records. However, I escalated to a supervisor who was able to validate me. I was told a pin would be mailed to me in 7 business days. I waited several months and no security freeze letter was received. On XX/XX/XXXX, I repeated this process and once again was told a letter was going to be mailed, none was received. I repeated this process every month while also supplying letters demanding the security freeze to be removed. My last interaction was on Thursday, XX/XX/XXXX. 

XXXX is in clear violation for failure to respond and holding my credit profile hostage. 
Ive leaned that they have a name in my profile that doesnt match my drivers license, social security card, my passport, or birth certificate. 

Im demanding action to force XXXX  to comply and correct my 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 non-monetary relief
Consumer complaint received 2023-04-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am attaching a letter requesting information in writing for validation of debt I am being sued for. I did not receive any prior notice but a lawsuit and wage garnishment request. As this is the first notification I received, my letter is in response to the voice mail caller 's message, " You have been notified! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: FirstCredit, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The amount is XXXX with a service date of XXXX from XXXX XXXXXXXX XXXX XXXX. Told the hospital I do not owe and it was still sent to collection compromising my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: EQUIFAX, INC.
State: IN
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:
Identify theft report including a police report was sent to this company. This company refuses to correct the record causing i great financial harm. This company has continued to engage in Fraudulent reporting for almost a year. I have send numerous letters to this company yet they refuse to correct the record nor supply ANY shred of evidence of how they determined any of the accounts are valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Resurgent Capital Services, as a non affiliate third party to XXXX XXXX XXXX, Resurgent has possession of my nonpublic information and is trying to extort me for {$1300.00} by communicating to the credit reporting agencies. The company purchased my nonpublic information and the alleged debt from XXXX XXXX XXXX. Via the CFPB COMPLAINT # XXXX Resurgent sent a letter stating they validated the debt and sent statements with my sensitive nonpublic information and an unsigned card agreement with no opt out form as proof of validation. Federal courts ruled in XXXXXXXX XXXX XXXX XXXX XXXXXXXX, that the account and general ledger statement signed under penalty and perjury and dated by the party responsible for maintaining the account is proper validation. Resurgent has misrepresented the character of the debt and committed aggravated identity theft. Also, they are unlawfully attempting to do business non licensed and non bonded in the state of New Jersey, which I s prohibited from attempting to collect a debt as a debt collector. These are multiple violations that are subject to monetary relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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:
VERIFY THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

XXXX XXXX XXXX XXXX This account does not belong to me XXXXXXXX XXXX XXXXXXXX account was never late it was paid as agreed XXXX XXXX XXXX account never late paid as agreed adressses that do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Could not make a purchase using my XXXX XXXX credit card and was informed Comenity closed my account on XX/XX/2018, after I failed to complete numerous demographic verification request. When asked about the request was informed I had not responded to multiple telephone calls and letters since XXXX. I never received any telephone calls or letters even after verifying both were correct. I have contacted Comenity bank at least five times since XX/XX/2018 and was never made aware of any demographic verification request. Through XXXX XXXX I subscribe to XXXX XXXX monitoring and have frozen my credit reports through all three Bureaus to ensure I maintain my XXXX XXXX XXXX. XXXX XXXX alerts have advised the closing of the Comenity credit card will have a negative impact on my credit report. I would like the negative information removed from my credit report as I never received a telephone call or letter requesting a demographic verification.

Company response to consumer: Closed with non-monetary relief