BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: General Motors Financial Company, Inc.
State: OH
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 had identity theft and there are a few inquiries that need to come off my reports asap XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX   XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - Gm Financial XX/XX/XXXX - GM financial

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
USAA over debited my account {$150.00} ; this is the second time in the last year they have withdrawn and refused to immediately put the money back in my account. They take weeks to refund the money and they will not put it back in my account. They write checks so they can hold and make holding interest off my funds. This most recent credit on my account has sat since XX/XX/XXXX when they over debited my account for money that was not due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have not supplied proof under the doctrine of estoppel 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 exist.

This is a medical collection that is being reported illegally this is violating my privacy and HIPAA law. 
Please remove from the credit report or you're opening yourself up to litigation .|

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX Balance Owed : {$230.00} XXXX XXXX  XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Someone used my name and my social to open accounts with multiple companies. Now they are on my credit report and reporting under collections and as charge offs. I do not have any knowledge of these accounts and I do not know where they came from. I have reached out to the companies, and they are no help. I have filed an FTC report and I mailed a letter to the credit reporting agencies. This has not helped ; thus, these accounts are still reflecting 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 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX Open Date XX/XX/2013 Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2018-11-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I wrote a company check paying for products received. The check was written for XXXX on XX/XX/XXXX ( cleared XX/XX/XXXX ) to XXXX XXXX, who uses JP Morgan Chase. When reconciling our account we discovered the check cleared for {$3800.00},  {$1000.00} more than it was written for. The check image on our statement shows someone crossed out the numeric total and wrote that it was keyed for XXXX and marked their Initials. This was not authorized by our company nor were we informed of this occurring. The company the check was written too claims they did not do it so it must have been done by JP Morgan Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2020 an derogatory account was reported for the amount of {$2300.00}. I'm filing a claim under FCRA Section 611 ( A ) ( 1 ) ( a ). I am in desperate need of this account being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: MS
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:
MY IDENTITY WAS USED TO OPEN ACCOUNTS THAT I NEVER SIGN FOR

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I already sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Block this account that is erroneously reported in my file : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$4900.00}

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 2018-04-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
this account belongs to my someone else not my XXXX XXXX XXXX  Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$16000.00} Balance Updated - Credit Limit - Past Due Amount {$16000.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments - Payment History XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi, from XX/XX/XXXX until XX/XX/XXXX I was XXXX. I have contacted you while XXXX  to let you know that I should have absolutely nothing on my credit reports. My name is XXXX XXXX and my birth date is XX/XX/XXXX. I will like for someone to call me immediately so that I can clear everything off of my record. If anything is in my name it is a result of Identity theft. I can be reached at XXXX. As stated, I wrote, and talked to your company about this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
BofA 2 I spoke with XXXX XXXX ( Supervisor ) on XX/XX/XXXX from Bank of America and was advised to file an FTC Report due to fraud on my Bank of America EDD Debit Card that was never received by me between XX/XX/XXXX and XX/XX/XXXX, which Bank of America was notified about on XX/XX/XXXX due to never receiving my Debit Card that showed it was loaded with funds by EDD California in the amount of {$21000.00}. Bank of America eventually closed the original account and canceled the card and issued a new on XX/XX/XXXX. When the new card was activated, to my dismay, the funds that I was issued by EDD were not on the account. To this day Bank of America has not followed through with the injunction placed on them by the US District Court with regards to my account! They keep coming up with new stall tactics such as, a year later telling me to file an FTC report. They have never provided the fraud investigation documents as requested on 3 separate occasions, they only send a one page autogenerated letter saying the claim was denied due to insufficient evidence! As stated they must provide the documents of the fraud investigation and actually complete one per the injunction and Bank of Americas own correspondence to me. An example is, I called the evening of XX/XX/XXXX and had the claim reopened which they actually processed XX/XX/XXXX, then on XX/XX/XXXX they sent out a letter saying the claim was denied due to insufficient evidence to support my claim of never receiving my debit card. To my understanding of how a fraud claim is investigated this is completely inappropriate and goes completely against what the US District Court injunction states. I have been hung up on when providing them the info regarding the injunction that these employees are completely unaware of. These employees do not even work for Bank of America directly and are hired through a separate facilitator and work remotely from their homes. Not one employee I spoke with knew the details of the US District Court Injunction!

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 2023-10-16
Company: Bonneville Billing and Collections
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have tried contacting this company about this account. I have waited and I am realizing I am a victim of identity theft. I realize this violates my consumer rights, I am being penalized and I am not able to get a home for my family because of this looming identity theft. please remove this account from my credit report file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capitol one credit card, called them, my payment on XX/XX/XXXX went through for a couple days and then went back to unpaid when I wanted to just pay it in full then. They wrote missed payment on my credit report even though their system was faulty and did not let me pay I would like a credit update because of that. Now I have {$100.00} in interst and late fees and they said they cant do anything about it because card Is closed and I have to pay those fees so On XX/XX/XXXX I made sure to pay my balance on card in full and asked it to be closed For good and balance said XXXX on account because I paid it. 
Now on XX/XX/XXXX it says 7.20 interest charge. But I paid already on time and they are stealing from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-13
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX gave away equipment to someone without an identification. Then charged my account. I asked for surveillance video and they couldnt provide. At that time I was assured by a sprint executive that I wouldnt be charged. Now they have sold the debt to a new company and they damaged my credit report and put derogatory marks when this debt is not owed. The company name is source receivable management in XXXX NC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received notice in the mail around XX/XX/2020 and received other notices after that on later dates, from Midland Credit Management XXXX Inc. A company I've never heard before and never did any type of business with, but they continued to send me threaten letters violating my rights as a Consumer in many ways and telling me I owe them {$1800.00} and how they were forwarding the account to an attorney for litigation if the account isn't resolved by XXXX. Again I don't even know of this company for them to even send me any kinds of mail from them, from the start threatening me into paying them for anything. I don't even know how they got my information. I responded by mail between XX/XX/2020 or XX/XX/2020 through Postal Service, asking them to Validate the debt they claim I owe them pursuant to law 15 USC 1692g ( b ) as a Consumer. On XX/XX/2020, I received a response follow-up from them acknowledging they received my dispute/validation request for the alleged debt. Along with another form that was blank on both sides, as a response. Midland Credit Management , Inc. failed to provide proof of Validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: EQUIFAX, 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:
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. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XX/XX/XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: RockLoans Holdings LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was advised in XXXX that I would became unemployed XX/XX/2020 due to COVID 19 workforce reduction. I paid up as many bills as I could but this payment due XX/XX/XXXX I had to delay. My unemployment was delayed considerably but still managed to borrow money to make the XXXX loan payment before going 30 days past due. Again my due date is the XXXX of each month. I logged in on line XX/XX/XXXX at XXXX XX/XX/XXXX to make my XXXX and XXXX payments. The option would not let me chose anything sooner than Wednesday XX/XX/2020 as a payment posting date. I called and spoke with XXXX he advised that their system is set up to take up to 3 business days to post a payment. He confirmed that yes I would see the ACH process, money from my account on XX/XX/XXXX ( still within the timeframe to avoid being 30 days late ) but it will take them 3 days to credit my account. I asked if he could just do the payment on the phone to avoid a negative affect on my credit and extra days of interest. I was told no. I asked if they were offering any relief due to COVID unemployment I was told they would send me information. I decided to make the XXXX payment only at that time even though I was paying before going 30+ days delinquent it still impacted my credit which I felt was unfair and decided to hold my XX/XX/XXXX payment in hopes that my unemployment would get approved before the grace period expired. So now on XX/XX/XXXX I made the XX/XX/XXXX payment and my account was due for XX/XX/XXXX. As of XX/XX/XXXX I still had not received any unemployment and called XXXX to make a payment, that I once again borrowed from a family member. It's the XXXX of XXXX and I am trying to make the XX/XX/XXXX payment, again I was told the payment wouldn't post until XX/XX/2020. I made the payment anyway confirmation # XXXX even though I knew 1 ) I was paying before being 30 days delinquent and 2 ) since it's simple interest they're accessing excess daily interest charges and late fees against myself and other consumers even when they pay on time. I am now receiving unemployment but it is not enough to cover basic bills but I am managing all my accounts as they're very willing to work with people. This account I have stopped paying as their payment processing delay causes people to show as late, even when they're not and they're charging extra interest/fees. On my account alone a few extra days of interest n their pockets may not seem like much but when you multiply that by the thousands of people they do this to monthly it is a considerable amount of money and seems that it would be unethical and unfair

Company response to consumer: Closed with explanation