BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-29
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/XXXX, I received a bill from Genesis Credit Card Service for a purchase made in the amount of {$1000.00} made at XXXX XXXX on XXXX XXXX. I contacted Genesis to report a fraud charge because I did not make this purchase, at the time I was at work in Connecticut which proof can be shown as I work for a XXXX  XXXX. Also my XXXX credit card was closed in XX/XX/XXXXwhich is state on my credit report nor is this new credit card they opened is on my credit report or history. Genesis opened a case, the company responded with a letter in XX/XX/XXXX with details of who made the purchase, their ID information. My XXXX name is XXXX XXXX who resides in Connecticut the person who made the purchase is XXXX XXXX who provided a Georgia ID. Though are names are similar, these are two different individuals. I tried to explain this identity error to Genesis that the person opening the credit card for XXXX XXXX used an existing credit card profile ( basic details such as address and phone number ) that I had at XXXX which was closed back in XX/XX/XXXX. There is a mixup because when I call Genesis and provide my social security number, no details of purchase shows up on my name however i keep getting the bill and debt collection call. If the person working at XXXX did their due diligence in verifying the details while opening a credit for a new person this would not have happened and I need this issue resolved as Genesis seems to be uncooperative to understand the issue at hand. I spoke to an account manager there and he was very ignorant saying XXXX XXXX is short for XXXX XXXX. This is not the case because these are two different individuals, and the managers assumption failed him to provide decent customer service. I need this identity credit card profile mixup resolved asap because I have proof of my identity and I did not make this purchase. They sent me a credit card that isnt mine and added my address and phone number to the wrong indivdual. If this isnt resolve I will contact a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX Balance Owed : {$21000.00}

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 2019-07-29
Company: Source Receivables Management LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 a 93A Demand notice was sent to Source Receivables informing them their listed collection on my credit report was in violations of the below law with a demand for removal of account. They had 30 days to take action from point of receipt. They failed to remove their listing. 

Under Massachusetts state law, a debt collector may only report on a consumers credit report while using the name of the creditor only. Source Receivables is reporting under their own name. 
209 CMR 18.17 : Unfair Practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.17. 
( 11 ) For a debt collector to report to a consumer reporting agency on its transactions or experiences with a debtor in the debt collectors name. However, a debt collector may,  with the express written authorization from the creditor, report to a consumer reporting agency in the creditors name. 
940 CMR 7.07 : General Unfair or Deceptive Acts or Practices : It shall constitute an unfair or deceptive act or practice to engage in any of the following practices to collect or attempt to collect any debt : ( 15 ) Using any business, company or organization name other than the true name of the creditors business, company or organization ( 21 )  Reporting to a consumer reporting agency on transactions or experiences with a debtor in a name other than that of the creditor XX/XX/2019 a second notice was sent via certified mail informing them of their illegal actions for continued reporting and failure to reply to a 93A Demand. They failed to remove their listing and failed to provide a proper reply. 

XX/XX/2019 a third notice was sent via certified mail. They failed to remove their listing and they failed to reply. 

Overall : Source Receivables is reporting illegally to the bureaus. Under mass law after receiving a 93A Demand notice they were legally obligated to not only reply but also to take action in regards to their illegal activity. They have continued to break the law in effort to collect on a debt they have not validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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 am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) to inform the XXXX, Equifax and XXXX Credit Bureaus that I have been a victim of identity theft. After conducting some research, I discovered the necessary steps to address this issue. To remove the fraudulent inquiries from my credit report, I need to file an identity theft report with the Federal Trade Commission ( FTC ). You can find more information on this process at their website : https : //www.ftc.gov. According to the Fair Credit Reporting Act ( FCRA ) section 605b, Credit Reporting Agencies are obligated to remove and block any inquiries listed on an identity theft report. I have attached the relevant documents to aid in the removal of this erroneous information that has been posted on my report. Below is a list of inquiries that are not associated with me and were opened without my permission : XXXX : XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SOLUT XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX EQUIFAX MORT XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Also, according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-02-25
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: Old information reappears or never goes away

Complaint:
Experian is committing fraud. I have an XXXX XXXX account that was flagged as bad debt back in XXXX. But previously another time in XXXX. XXXX XXXX flagged that same account again this week and Experian took another XXXX points off my score. Legally you can not blame a person for the same crime more than once so why is Experian allowed to damage my credit more than once for the same account same balance and same reason. Cfpb please document this

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023, there was an unauthorized transaction on my online bill pay section of my checking account with the amount of {$17.00} in the processing and scheduled to pay to XXXX XXXX XXXX on XX/XX/2023. I never owe any money from XXXX XXXX XXXX. On the same day morning XX/XX/2023, I came to Bank of America in XXXX XXXX, California to notify the bank of America about the unauthorized transaction and request to refund. Bank of America refused to resolve the issue. I immediately called Bank of America Customer Service on the same day to report the unauthorized transaction and request refund. Bank of America Customer Service refused to to resolve the issue. 
Today XX/XX/2023, the unauthorize transaction in the amount of {$17.00} pay to XXXX XXXX XXXX was posted on my checking account. I contacted Bank of America Customer Service to report the unauthorized transaction and request refund. Bank of America still refused to to resolve the issue.

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 2022-09-22
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am a victim of identity theft/mail fraud as of XX/XX/2021. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that CB INDIGO/GF absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
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: Information belongs to someone else

Complaint:
I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX ) XXXX, XXXX XXXX ( Original Creditor : 12 XXXX XXXX  XXXX ) XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am a XXXX MA resident who has had a CItizens bank account for nearly XXXX years. XXXX weeks ago, I was robbed of my phone and had my identity stolen as the XXXX was able to bypass my iphone security and get past all my security credentials. My citizens bank account was connected to a peer to peer service where the XXXX was able to withdraw all the money in my checking account at Citizens through this app and the bank let it happen without any freezes place on my account. I reported to this the police and have an active investigation ongoing. I reported these fraudulent transactions to Citizens bank right away. I gave them the police report number and offered witnesses contact information who saw this happen and were with me around the time of the incident. I stayed in contact with the bank the whole time and was very cooperative. They kept telling me the investigation was ongoing and they would reach out to me. After multiple days, dozens of calls with their representatives and multiple branch employees, I was told flat out my claim was denied with no other information. The representative kept telling me still that the fraud department would call back and write back to me even though none of those things have happened so far. 
Date of fraud - XX/XX/2023. Amount taken- Nearly {$7300.00}. Police report is attached below.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-17
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Dear Sir, RE : PLANNED CLOSURE OF MY ACCOUNT ON XX/XX/2021. 

I was notified by Huntington National Bank that my account will be closed on XX/XX/2021. 

Huntington bank has been helping me receive my paychecks and do other transaction for close to four years and the bank has been there for me at this difficult pandemic time. I don't know, but I have not bleached any of the Banks procedures/ regulations that I know of, and I do believe sir, that the operations department may have misunderstood the facts of a situation or made a mistake. Resolving to close my account at this time make me feel deeply hurt. There is so much challenges at this time and adding Clossure of my account to my difficulties will be too much for me to handle. 

I humbly request sir, that you should please use your good office to kindly intervene and possibly remedy this situation for me. 

Thanking you in anticipation for your help. 

Yours Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Santander Consumer USA Holdings 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: Credit inquiries on your report that you don't recognize

Complaint:
I called said company regarding the multiple inquiries on my credit report and i was told to contact the credit bureaus regarding this issue that they could not do anything regarding this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02
Company: CURO Intermediate Holdings
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Speedy Cash calls me, and when I answer, it is an automated message saying that I have a payment due tomorrow. I have never had a Speedy Cash loan. I have returned their call multiple times to tell them to quit calling me, but I continue to receive automated calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
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: Their investigation did not fix an error on your report

Complaint:
I contacted XXXX 's about my account not being credited, I was advised by the credit department that they would find out why my account was not credited for the return and make contact with me. This was in XX/XX/2014, I checked my credit report last year and noticed the collection and began filing disputes. 
I submitted two disputes through Experian, XXXX and XXXX   reference to a creditor XXXX XXXX XXXX XXXX XXXX, WI XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. This account was closed due to the item ( XXXX ) was returned to the company back in XX/XX/2014 and the Account was never credited, as a matter of fact the XXXX   amount was {$350.00} and this company is still showing a past due amount of {$120.00}. I demanded verifiable proof from the consumer with my signature on it on what I am being charged and as of this date I have not received anything, only confirmation from Experian that the company notified them that the account was accurate and has not provided any documentation which a violation of the Fair Credit Reporting Act is, Section 609 ( a ) ( 1 ) ( A ). 
Experians failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I am requesting that Experian be investigated. 
Regards, 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 2019-12-07
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am disputing the collections balance of {$1400.00} under Midland Credit Management , Inc. MCM Account Number XXXX. Midland 's letter states the original creditor was XXXX , XXXX . The XXXX  XXXX  Consumer Account Number XXXX, however, I personally contacted XXXX XXXX  and XXXX XXXX and they stated they did not recognize the account numbers provided by Midland. This balance is a result of identity theft. I have reports from credit agencies with proof of multiple addresses, credit cards, and intents to use my identity to sign up for services, which can be provided to CFPB upon request. I have made multiple attempts to contact the Midland to obtain more information, such as purchase receipt, but they have been unwilling to provide it. Any time I call Midland, they are threatening and unwilling to provide further information unless I provide personal information, such as SSN and payment information, which is not recommended. I sent Midland, their lawyers XXXX XXXX  XXXX XXXX XXXX XXXX, and credit agencies an FTC Report via certified mail indicating I am an identify theft victim and requesting them to remove the balance. The FTC Report Number is XXXX. I obtained confirmation from USPS that it was received and signed by Midland, XXXX and the credit agencies, yet both Midland and XXXX mailed my letter back days later. I have attached the signature confirmations from all companies and dates in which they were received. I also have copies of the signatures which I may provide if requested. To this day, I have not received any response from them regarding the FTC Report I shared.

Company response to consumer: Closed with non-monetary relief