BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Rent Recover, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive tried contacting XXXX to let them know that my identity has been comprised because ive never had service with them although they refuse to remove this black mark from my credit report. I 'm filing to have them remove this fault debit from my all three credit bureaus.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX - XXXX - Threats to sue when the debts was an old debt XX/XX/XXXX - XXXX Threats to sue when the debts was an old debt XX/XX/XXXX - XXXX incorrect amount

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2020-07-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I paid a collection and I submitted the paid letter from the car company but they said they cant change the balance to show {$0.00}. This needs to be corrected. 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 2020-11-13
Company: SYNCHRONY FINANCIAL
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:
On XXXX. XXXX, 2020, SYNCB/AMAZON add a hard inquiries on my credit report per 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 2018-08-06
Company: Paypal Holdings, 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:
A couple months ago XXXX XXXX contacted me regarding an account that was not mine that had a balance of {$2100.00} that was late. I told them that the email XXXX that is attached to that account is not mine and never has been. I immediately contacted paypal and told them that the account was fraudulent. The person is using my name and an old address. They asked if I was selling lotions on XXXX   and I said no. I have one paypal account that I use and it's not the one they were claiming was mine. They said they would look into it. I never heard back from them. Today I received another call from XXXX XXXX for the same account and amount. I again told them this is fraudulent and then emailed paypal about the issue so I would have written documentation of the issue at hand. I finally got Paypal 's attention on the matter because I reported them to the XXXX and sent in my police report. XXXX ( from Paypal ) called from XXXX, XXXX XXXX and said that they investigated and the account was stolen with identity theft in 2015 and that it was not my responsibility. XXXX XXXX  just sent me a letter saying that they completed their investigation and that the debt is valid even though Paypal says it's not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07
Company: CMRE Financial Services, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello! Hopefully someone can help in regards to a collection from CRME. First of all, I never received any letters from CRME stating I owed any debt nor did I receive any letters from CRME at all. This collection in the amount of {$620.00} was originally from XXXX XXXX XXXX from a visit back in XXXX of XXXX. At this time I was covered by XXXX XXXX XXXX XXXX and I have bank statements showing proof that insurance payments were successfully coming out of my bank account via autopay but for whatever reason XXXX XXXX XXXX XXXX didn't pay the bill. I had no idea of this debt until this collection hit my credit in XX/XX/XXXX. If I would have known about this debt I would have paid it without hesitation especially since it was such a small amount of money. Once I saw the collection on my credit report I instantly disputed the collection because the debt should have been paid by my insurance company. Unfortunately the dispute didn't go in my favor so I contacted CRME via phone to attempt to settle the debt. When I called CRME I had to correct the address they had for me on file because CRME didn't include the suite number. I explained to CRME what happened with the insurance company and I told CRME that I was unaware they were trying to contact me in the first place ( probably due to the address not having a suite number ). I asked CRME to do a courtesy deletion on my credit report after CRME receives my payment in full since this was just a mistake. I got NO. I called multiple times, dealt with multiple people and they all said no. I even pleaded with them that i'm in the process of buying a house and this is really affecting my chances of being able to get it now, they didn't care to work with me at all. All I want to do is pay the debt and get it removed from my credit report so I can buy a house for me and my family and if this collection doesn't get removed that might not be possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: The Outsource Group, Inc
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Medicredit keeps leaving voicemails about an attempt to collect on a debt. I have never received any correspondence regarding a debt. When they leave a voicemail and it's time to state who they're calling, my name is never mentioned. In fact, there's a brief pause and then the person proceeds to say that they're trying to collect on a debt. How am I supposed to know WHOSE debt this is if you never mention who you're trying to speak to. How am I supposed to know WHAT the debt is in regards to if I've never received as much as a letter in the mail. From all I've gathered, it could be a scam call. If I owe any debts to this company, I need to see something in writing. Recorded voicemails that don't state who they're trying to contact is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2020 I received an alert from my credit monitoring app staring that a new collection was placed on my account from creditor XXXX XXXX.I have not received any phone calls or written notice of a debt owed. My credit score was all of a sudden lowered by 30 points because of a debt that I wasn't informed of nor given time to dispute. I spoke to the company I C Systems and they stated that No type of notice was mailed to me nor was I ever contacted regarding to this so called debt.

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 2020-11-13
Company: Experian Information Solutions 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and fraudulent actions. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and DELETE the accounts that were opened by fraud as per FCRA Section 605B ( a ). 
This fraud under my name and personal information are unacceptable. The listed accounts are unknown to me and they are inaccurate. My payments have been stellar and I dont remember missing a payment. Please block or remove these accounts from my credit report, pursuant to the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2019-09-10
Company: Colony Brands, Inc.
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:
XXXX # XXXX and # XXXX is reporting two charged off collections on my account. However these are past the statute in Utah and I no longer owe this debt. These need to be removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter purportedly from XXXX XXXX dated XX/XX/2018 informing me of denial of my credit application for a XXXX Preferred Floor Covering account, as my XXXX credit file was inaccessible. ( It is frozen. ) I have never applied for credit with XXXX XXXX or through XXXX XXXX XXXX. 

I called the number in the letter XXXX and was asked for my social security number to proceed, so I hung up. 

The is no record of this attempted credit application on my XXXX   account.

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 2020-07-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquires, were not submitted by me.

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 2018-08-06
Company: EQUIFAX, INC.
State: CA
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:
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX ( XXXX ) credit inquiries without my knowledge. The unknown and unauthorize inquiries in question was apparently made by -XXXX XXXX ( XXXX ) on XX/XX/XXXX, -XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX  XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX and XXXX XXXX ( XXXX ) requested them to take action to get this inquiry removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently have had to relocate due to a fire at my home. While looking for a new place to live I was continually being denied for a home, and opening a new bank account. I was informed to call Early Warning Services for the  reason for my denial issues. When I spoke with Early Warning they said their were 3 accounts ( 2 with negative remarks, 1 with a balance ) that XXXX had reported sometime back in XX/XX/2013. I immediately contacted XXXX to dispute the information. The account that had the balance ( {$500.00} ) was already flagged in their systems as fraud, but since I didn't " take care of it '' in the time they alloyed then I would have to be responsible for paying the balance even though it was not made by me. I was a victim of identity theft at that time as well as other accounts not with XXXX and have documentation of the person who confessed to the crime, but was still told I just needed to pay and it was my fault I didn't check in periodically with XXXX for fraudulent activity on a account I didn't even know about. XXXX further informs me that even if I pay there's no guarantee that the negative remarks will be removed from Early Warning. I then disputed the information with Early Warning only to be told the information was correct, even the other 2 accounts that had no balance since I went into overdraft 3 or 4 times but then paid the balance and closed the accounts Im no longer worthy to be trusted by banks or have a home!? I am a single mother of XXXX young children and XXXX, currently not able to get a home for me and my children apparently having to wait 5-7 years to get off information that's inccorect and I was not informed of through phone, mail, or e-mail. I'm requesting the negative remarks or account be removed from Early Warning for not notifying me violating their notice clause of FACTA section 623 ( A ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Experian Information Solutions Inc.
State: CA
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:
Hello, I did not apply for a credit card for the company XXXX, I dont know how Experian doesnt do anything about helping me out. There is actually a couple of closed accounts that were opened in my name that is hurting my credit score bad. Ive tried calling the companys to dispute it and report fraud on those accounts and I was told they would take care of it but nothing has changed or helped. Ive been disputing them constantly on my Experian account and I cant get any type of support except saying that it can not change on my account. Please help!!

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 2018-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I obtained a loan for {$1200.00} from XXXX XXXX XXXX. Part of the agreement of that loan was that I could pay off the loan in full at any time. I sent them a check for {$1200.00} on XXXX with the terms written on the check that the account would be paid in full.. They agreed to those terms when they deposited that check on XXXX. They are now claiming that they never received my payment and are reporting to the credit bureau 's that a balance of {$1800.00} is still owed and has been charged off. I sent XXXX XXXX a letter dated XX/XX/2018 and enclosed a copy of the check they endorsed and deposited. I than initiated a dispute with trans union. XXXX XXXX are still claiming that they never received the funds even though I have proof of payment through my bank.

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