BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: NV
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 XXXX Account # XXXXXXXX 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 instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Armstrong and Associates, Inc
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was an XXXX in the care and custody of the XXXX County XXXX XXXX. Transported to hospital XXXX City Police Dept. to XXXX XXXX. Refused treatment at said hospital for XXXX XXXX wound. Was informed I had no choice. Did not give consent to treatment not release of records. Had no knowledge nor seen documents attached. Did not sign promissory note nor was I informed or give a copy of said documents by XXXX XXXX. My only knowledge of this debt was when it was reported XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: FORD MOTOR CREDIT CO.
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Property and sole responsibility for account were awarded to ex-spouse via Divorce Decree and court in XX/XX/2018 ( page 1 & 2 of attached document ( Personal Property Section 3 ( a ) ( i ) ) ). This account should not be on my credit report and recent ( 30 days ago ) delinquent payments are having an adverse affect on my credit score. Company will not remove it from my credit report and wants me and my ex-spouse to go through a transfer of property process which has already happened by virtue of the courts findings in the divorce process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19
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:
Accounts need to be remove immediately from my credit report I didnt authorize this and it does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: Experian Information Solutions 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:
Hi I have issue with my credit report, and the reason I'm trying to fix it because they delete the inaccurate account off my credit report and, reinserted back over 2 months after account has been removed. 
For my understanding they have only 30 days to respond and extra 15 days for investigation if needed. 
XX/XX/XXXX XXXX account already been deleted. 
XX/XX/XXXX account doesn't shows in credit report. 
Looks like everything is fine but.. 
XX/XX/XXXX account come back again and it's late it's inaccurate and it's doesn't come off until today .. 
Please look at the Experian reporting dates which I attached to photos and you will see there is no late account over 2 months

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 2023-08-30
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, {$40000.00} was taken from my XXXX savings account and transferred to a fraudulent savings account in my name at Goldman Sachs XXXX Marcus. I did NOT open a savings account at Marcus. A few years ago I held 2 certificates of Deposit at Marcus but they matured and, as far as I knew, the accounts were closed. I subsequently learned that {$40000.00} held by Marcus was then transferred to a bank in Iowa - XXXX XXXX XXXX XXXX XXXX When I called XXXX XXXX XXXX the officer a the bank told me that she had found the deposits. She strongly suggested that I file a report with my local police department. 

see the attached XXXX statement showing the transfer of {$40000.00} to Goldman Sachs

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: GA
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:
I am appalled by the lack of responsibility on your behalf. When is XXXX going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please repair the following accounts : XXXX XXXX XXXX XXXX : {$8300.00} Date Opened : XX/XX/2020 - The listing has a number of mistakes that are detrimental to me, including the balance, payment status, and last payment date. In my opinion, I was on time on the days you're mentioning. I never miss a payment because I always pay on time. Update for legal correctness, please. 

XXXX XXXX Balance Owed : {$0.00} - Please give proof that my privileges have not been suspended and that this account should be shown on my credit record. Otherwise, delete this detrimental information right away. 

XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} - You are reporting a DELETED account/information from other bureaus. Per FCRA, reporting must be 100 % accurate or IMMEDIATELY REMOVE the account as soon as possible.. 

XXXX XXXX Balance Owed : {$0.00} - You are reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please eliminate this damaging data immediately. 

XXXX XXXX Balance Owed : {$0.00} On my credit record, you have shown a DELETED account from another bureau. FCRA mandates that reporting be entirely truthful. Please delete this detrimental information right away. 

XXXX XXXX Balance Owed : {$0.00} - My credit report contains information on a DELETED account from other bureaus. The FCRA requires complete accuracy in reporting. Please promptly delete this detrimental information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have disputed this debt for years. It has now been over 7 years, and has been removed from my credit record. I never owed this debt, and they NEVER sent the legally required debt validation with my signature on any contracts, nor id verification. Nor could they, as I never had business with them. Now, over seven years later, with no legal claim to any debt, they illegally robocall my phone, often 5-6 times in rapid succession, and often more than 30 times per week. It will stop, or i will be suing them. Any continued communication from XXXX or any of its affiliates constitutes harassment. They have no reason to call me, and it WILL stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-09-14
Company: Bread Financial Holdings, 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:
Greetings! For the past 3 months ( 2020 ) now I have humbly been working to clear up any and all errors on my credit report. In XXXX, XXXX and XXXX I have been working on asking the credit bureaus along with some companies to correct their wrong. I followed the blueprint I was allowed given the USA Law on the dispute process however these companies have gone to great lengths to violate and break the law. Now that they have done so month after month after month. I am humbly asking if you could please help me correct their error. They did not prove or validate anything to me according to the supreme law of Credit Reporting 3 months in a row. I am now  asking to please have them correct their error. 
XXXX sent me a letter of a bill.. I don't ever recall walking or stepping foot into a XXXX  in mylife. 

This was like the time Soneone had open a XXXX XXXX card and I never still till this day walked or been inside a kays. I had that removed also. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ),. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: NELSON AND KENNARD
State: NM
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
They continue to call me at least XXXX times a day and are unwilling to work on a lower payment plan and instead try to sue me in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: Bread Financial Holdings, 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 had my identity stolen by someone and had an unauthorized hard inquiries on my credit report. 

XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07
Company: Client Services, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter to Client Sevices Inc requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. This delinquent information is still reporting on my credit file and I am asking for it to be deleted from each credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: DISCOVER BANK
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:
Greetings! For the past 3 months ( 2020 ) now I have humbly been working to clear up any and all errors on my credit report. In XXXX, XXXX and XXXX I have been working on asking the credit bureaus along with some companies to correct their wrong. I followed the blueprint I was allowed given the USA Law on the dispute process however these companies have gone to great lengths to violate and break the law. Now that they have done so month after month after month. I am humbly asking if you could please help me correct their error. They did not prove or validate anything to me according to the supreme law of Credit Reporting 3 months in a row. I am now asking to please have them correct their error. 
XXXX sent me a letter of a bill.. I don't ever recall walking or stepping foot into a XXXX  in mylife. 

This was like the time Soneone had open a XXXX XXXX card and I never still till this day walked or been inside a XXXX. I had that removed also. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ),. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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:
In accordance with 15 USC 1681E subsection B states that I need the maximum account accuracy. I found in a recent copy of my credit report it shows multiple accounts with incorrect dates. I have sent letters to each of the credit reporting bureaus stating the error. 
The accounts in question are : XXXX ) XXXX shows a date of XX/XX/XXXX from transunion and XX/XX/XXXX from XXXX XXXX ) XXXX XXXX shows a date of XX/XX/XXXX from Transunion and XX/XX/XXXX from XXXX and XXXX XXXX ) XXXX XXXX shows a date of XX/XX/XXXX from Transunion and XX/XX/XXXX from XXXX and XXXX XXXX ) XXXX shows a date of XX/XX/XXXX from Transunion and XX/XX/XXXX from XXXX and XXXX XXXX ) XXXX shows a date of XX/XX/XXXX from Transunion and XX/XX/XXXX from XXXX and XXXX XXXX ) XXXX XXXX shows a date of XX/XX/XXXX from Transunion and XX/XX/XXXX from XXXX and 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 2020-09-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PORTFOLIO RECOVERY is located XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. This company has obtained my personal information without my legal consent. I sent a letter requesting PORTFOLIO RECOVERY to provide related documents like, details pertaining the furnishers, proof of documents bearing my signature between Portfolio Recovery and myself. what was the amount paid for this debt? Is Porfolio Recovery licensed to collect in the state of Texas. I am requesting information in connection with my total indebtedness to this alleged debt. please investigate this company.Due to this company 's unethical practices it has cause damage to my credit report and credit worthiness to sustain a living. I am demanding to delete and remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: FC HoldCo LLC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/2022 was asked to be removed due to Bankruptcy

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 2023-08-29
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
There was a credit account open on XX/XX/2021 in the amount of XXXX XXXX XXXX  which then sold it to Midland credit management. Now Midland Credit management is now suing me for this amount. Both companies never sent me Any kind of letters about the account to dispute it other than Midland credit management sent me a summons Suing me for this account on XX/XX/XXXX XXXXI have no knowledge of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Several years ago I needed a credit report and noticed that an XXXX XXXX account was in my name and shown as delinquent. The account was opened in 1988, three years before I was born. I went through a process to remedy the error and I believed they took care of it. Recently, I sought to obtain a new credit report with my FICO score from XXXX and I saw that my score was being hurt by a write off of an account opened in 1988. After further investigation, it appears that there was more than one account opened in 1988, both through XXXX XXXX. Either they remedied one account, but not the other when I went through this process the last time, or they wrote off the account thinking that this was a solution to my problem but the write off is still impacting my score negatively. I don't know how these accounts could be in my name before my name existed in the Universe, but alas, such is the case. I'm trying to apply for a new rental to move and this could greatly impact my chances.

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 fourth 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 : {$370.00} ; XXXX XXXX XXXX XXXX XXXX {$770.00} ; XXXX XXXX XXXX XXXX XXXX {$200.00} ; XXXX XXXX  XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO 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 2018-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I filed a bankruptcy in XX/XX/2010. I included a mortgage with XXXX XXXX XXXX in that Chapter XXXX bankruptcy. The debt was discharged in XX/XX/2010. 

XXXX XXXX has left this item on my file for 8 years simply as a " charge off ''. I filed a dispute with the three bureaus to have this item updated as " included in bankruptcy '' and the status changed to " unrated '' as provided by federal law. 

XXXX  and XXXX  properly updated the record. But Trans Union simply changed the narrative to " reaffirmed '' ... ( the debt was NOT reaffirmed ) and left the status as a " charge off ''. Now it is possible an inexperienced clerk simply made an error making this " negligent non-compliance '' with federal law. 

XXXX XXXX - Account number 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