BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-09
Company: CITIBANK, N.A.
State: NC
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:
XX/XX/XXXX pulled my credit due to being denied a loan Sears cbna listed on credit report It says closed XXXX Date reported to who # # # # # # Va unclaimed?? 
But THE PAYMENT HISTORY on my credit report shows some persons used. My SEARS CBNA CARD in XXXX. I was homeless and had no credit cards on my person only my debit bank card from XXXX thru XXXX # # # # # And I had no phone until XXXX approx XXXX # # # # # # # # : : XXXX XXXX DOLLAR limit It says payroll deducted I HAVE NEVER AUTHORIZED AN ACCOUNT TO BE PAYROLL DEDUCTED I have asked cbna for the info on file for my sears gon na card NO RESPONSE SINCE XXXX I NEED where the card has last been sent to when the card was documented used Address Phone The payroll deducted account info that sears cans bas for my card And the name of company it was being payroll deducted from and their info and BANK ACCOUNT # used to pay for the charges I need this ASAP SO I. Can catch the persons who stole my identity. Since XXXX I have over one million dollars plus missing Unaccounted for Identity theft registered with FTC and confirmed by the office of comptroller for Currency USA I want the credit info as per I have requested numerous times to reciver my identity asap sent to me at only XXXX XXXX XXXX nc XXXX Only XXXX Only My birth 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 2020-07-17
Company: Avant Credit Corporation
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: Was not notified of investigation status or results

Complaint:
I have contacted the Credit Bureaus 3 times and the creditor about this inaccurate information on my report and they have failed to solve the issue. This is defamation of character and i would like to see original documentation from the creditor proving that this account is mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
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: Was not notified of investigation status or results

Complaint:
I have contacted the Credit Bureaus 3 times and the creditor about this inaccurate information on my report and they have failed to solve the issue. This is defamation of character and i would like to see original documentation from the creditor proving that this account is mines.

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 2019-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I asked for two card replacements because on the first one I never received my card on XXXX XXXX  th so I called about it on the XXXX XXXX of XXXX  and told them that I also was receiving emails saying that my XXXX  card was being used so I told them that my money was being used with my permission and they told me that I would receive a provisional credit 10 days from that date for XXXX XXXX XXXX XXXX, but I have not had that issued yet ! I get hung up on every time I call about it

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 2023-05-17
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : 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 2022-12-07
Company: EQUIFAX, INC.
State: FL
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. The 3 credit bureaus 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 accounts as unverified information without providing any proof within the period allowed by law. The following ITEMS need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX  Balance : {$24000.00} XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was told my recertification application was incomplete because I did not tell them the frequency which which I am paid ( weekly, monthly, biweekly, etc ). I uploaded documentation ( my paystub ) and indicated I am paid biweekly. Now, 3 weeks later and after the re certification deadline, I receive a notification that I they still need information on the frequency of my pay or else I will face an administrative forbearance/standard repayment plan. This is unacceptable as I documented each interaction with FedLoan and uploaded documentation, which is dated, to their online portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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:
I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX XXXX XXXX  Balance : {$7100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

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 2023-03-25
Company: SYNCHRONY FINANCIAL
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
PayPal Credit double charged my auto-pay of {$300.00} in XXXX, first as scheduled on XX/XX/XXXX, and then once again on XX/XX/XXXX, even though I only had {$91.00} left on my credit line after the authorized payment. When I called to correct this, they said they would fix it and I would not be charged any fees. Later, I found out that PayPal Credit decided to reject the original auto-pay that was on time, and accept the duplicate charge on the XXXX that would have been late ( had they not already been holding my {$300.00} ). They tried to apply a late charge of {$29.00}, even though their duplicate transaction left them holding {$200.00} of OVERPAYMENT above my remaining balance for more than a week. When I called and complained, they waived their late fee. But that is not the end of the story Because my PayPal account is no longer working due to the issues with the duplicate payment, I asked on the same call to simply pay off my remaining balance of {$91.00} with a debit card to zero out my account. I asked if there would be a fee associated with the debit card payment. The customer service associate said no there would not be. I just received a statement today that claims my balance is now {$10.00}. PayPal Credit applied a pay by phone fee that was not disclosed anywhere I could find, and certainly was not mentioned on the call. At this point, I assume that theyre bent on extracting some sort of fee from me, and am tired of spending time on the phone with them trying to resolve these issues that are entirely of their making.

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 monetary relief
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently pulled my credit report and seen that several companies XXXX XXXX XXXX XXXX XXXX card and spectrum on my credit report. I had spoke with the credit one and XXXX gas because the amounts are inaccurate i never had a card over {$300.00} so i am unsure where the debt of $ XXXX comes from and then i explained that i had been frauded by my caretaker when i was ill then the lady died and all of a sudden i get out the hospital and i have these bills and debt on my credit cards that wasn't used they have a history of not being used to being maxed out. This has destroyed my life! Then the cable company XXXX ran my credit report I had an old account that with another company through a package deal for rental. The representative was supposed to cancel the bill they didn't they ran my credit then denied me, when i never applied for service. Then i have companies that I have not done business with on my credit report account i have never worked at a bank nor had those numbers i have had the same number for 10 years all these multiple inquires on my report where people are having my information ran in the system i keep trying to explain to them its not me the person that committed the fraud passed away not long after the incident in the state of ohio you cant file a police report on someone you know due to the law so it becomes civil

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 2020-01-30
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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-04-25
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Wakefield and Associates has hit my credit report five separate times over the past 3 years and all the balances they say I owe are within a few hundred dollars of each other. XX/XX/XXXX for {$1200.00}, XX/XX/XXXX for {$1500.00}, XX/XX/XXXX for {$1100.00}, XX/XX/XXXX for {$730.00}, and XX/XX/XXXX for {$1100.00}. I began requesting verification of the debt from Wakefield back in XXXX when I noticed their first hit on my credit and have continued requesting the information every few months since. I've never received a single response from them and I honestly have no clue what they're even trying to bill me for. You'd have to be a special kind of XXXX  to just hand large amounts of money to some random collection agency without proof the money is even owed and I'm not that XXXX. I've repeatedly disputed these collection accounts with all 3 credit bureaus several times and all I get is some variation of " Account information disputed by consumer, meets FCRA requirements ''. How can they possibly get away with that when neither Wakefield nor any of the credit bureaus have provided me verification of these supposed debts? Disputing information to the credit bureaus is a joke ; they clearly don't bother doing any real investigation and just take the creditors word for it. That hasn't and won't stop me from continuing to dispute these accounts that have never been verified to be legitimate. 

The bureaus have placed this comment on most of my Wakefield accounts : " This collection account is derogatory do to collections or charge-off. '' Well XXXX XXXX XXXX! Wakefield is a collection agency so obviously whatever the original creditors ( if they even exist ) were billing me for were sent to collections! I want to know WHO the original creditors were and WHAT they were charging me for in the first place. I don't recall receiving any bills for those general amounts from Wakefield or anyone else. I have a right to know what these collection accounts are all about and my repeated demands to exercise that right fall on deaf ears from both Wakefield and the Big 3. 

Collection agencies like Wakefield should be illegal. They buy up old debt ( or invent it themselves ) and use it ruin credit scores, all while ignoring requests and demands for verification of money owed. They're nothing but bottom feeding predators who do everything in their power to dupe people out of their hard earned cash. Regardless of anything else, I don't owe Wakefield a XXXX dime -- I never signed a contract, agreed to pay them, or anything like that. No contract between us = no valid debt. Their contract is with whomever they bought the supposed debts from, not with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On the date of XX/XX/22 ( attached ) I mailed a letter to Transunion, disputing several accts that had erroneous information on them, which subsequently are damaging my Credit Score & in direct violation of the Fair Credit Reporting Act. Transunion received this letter on XX/XX/22. There was no response so I sent an additional letter on XX/XX/22. Today is XX/XX/22 & the following accts are still showing inaccurate & erroneous information, which is in direct violation of the FCRA : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX I have given Transunion more than 30 days to conduct a proper investigation & correct the information I had previously pointed out to them as incorrect. They REPEATEDLY refuse to do so. They have not even responded. According to the FCRA, I have the right to % 100 accurate information on my credit report. This information is obviously inaccurate & I would like it removed immediately.

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 2023-05-31
Company: Experian Information Solutions Inc.
State: TN
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 second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-31
Company: Experian Information Solutions Inc.
State: NC
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 other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance : {$450.00} ; XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/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 2020-07-17
Company: Professional Choice Recovery, Inc.
State: NE
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX a letter was received at an address that belongs to my mother, and one that I have never been associated with. 

The document included amounts paid and owed in a judgment against me. 

I have never lived at the address that they sent the information to. I had previously received communications at my personal home address so there should have been no confusion as to what the proper address for me is. 

The letter received was sent from a law firm that Professional Choice Recovery had hired. The law firm stated that the address they used was provided by Professional Choice Recovery even though it was incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: AZ
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 researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) Equifax shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX - XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}. 

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 explanation
Consumer complaint received 2023-03-26
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe this company any money I do not have a contract signed with this company. I request they delete this account off all 3 credit reports. Delete now please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation