BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-16
Company: Resurgent Capital Services L.P.
State: FL
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX LVNVFUNDG XXXX LVNVFUNDG XXXX LVNVFUNDG XXXX LVNVFUNDG XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious LVNVFUNDG XXXX LVNVFUNDG XXXX LVNVFUNDG XXXX LVNVFUNDG XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My organization has a checking account with PNC Bank. For the two months, we have started to incur analysis fees in the amount of XXXX on XX/XX/20 and XXXX on XX/XX/20. In checking with the bank, we are being charged {$3.00} for each night deposit that we make. Part of the fees are offset by earnings on the account, but the fee itself makes no sense. We are being penalized for putting deposits into our accounts. We do not have an option to use the ATM or mobile deposit because each night deposit contains a large amount of cash. It is also done outside of normal banking hours because of the nature of our business cash flow cycle. 

Now with COVID, PNC has restricted access to the branch lobby. They are basically saying in order to avoid this {$5.00} night deposit fee we should risk our life to make the deposit at the drive-up during their limited business hours. This is anti-consumer and the fee should be eliminated from all checking accounts at PNC. 

I have spoken with our XXXX Banker at PNC and she also thinks the fee should not exist but of course there is nothing she can do about it. This is a great example of a banking executive making a decision in the best interest of the bank 's bottom line which hurts their customers and now is potentially putting human life in danger.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-13
Company: TRANSUNION INTERMEDIATE 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 received notice from a credit monitoring product that I had an hard inquiry today X/XX/18 on my Trans union credit report. I did not request that any XXXX XXXX companies run my credit.

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 2018-01-13
Company: Experian Information Solutions Inc.
State: MO
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 have been disputing accounts that are not accurate on my credit reports. Not only was I a victim of fraud many accounts where opened in my name. I asked XXXX to remove a Public record reported in error they verified then removed it placed it back on my credit without notice. I called the bankruptcy courts & public records they advised me they do n't report to the credit so they did n't place it on there. I also asked then to remove all inquiries that did n't have accounts attached to them due to the stolen identity no changes. I also have addresses I have never lived at on my report. They have also deleted accounts & placed them back on the credit reports again.

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 2021-06-25
Company: ENCORE CAPITAL GROUP INC.
State: MA
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 got these accounts that does not belong to me and i want it to be remove from the XXXX credit report agencies. 

1. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft MIDLANDCRE Account XXXX : XXXX This is not mine. 

5. Identity Theft COLLECTION Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: JPMORGAN CHASE & CO.
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report JPMCB AUTO - - XXXX XXXX, XX/XX/XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have paid this balance nearly off almost 2 months ago and its still showing that my balance has increased {$250.00}, therefore decreasing my credit score!

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 2020-04-30
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have paid this balance nearly off almost 2 months ago and its still showing that my balance has increased {$250.00}, therefore decreasing my credit score!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: EQUIFAX, INC.
State: MI
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 typed one letter informative letter dated XX/XX/XXXX about the incorrect information they have been providing on my credit report. Also I sent proper documents verifying who I am, and dispute form with the false information ( addresses, phone, numbers, name ). Along with follow letters, and phone calls up to now. The year is XX/XX/XXXX and the same incorrect personal information still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
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: Old information reappears or never goes away

Complaint:
I called them and I asked them to remove the same issues that I have been solved it XX/XX/XXXX from trans union credit bureaus I talked to many different level of employees in dispute department, I asked them why they did report wrong and inaccurate info again? 
The supervisor didnt remove and disconnect on me! After spending two hours by phone! 
Please remove a hard inquiry from XXXX XXXX XXXX that appeared again on XX/XX/XXXX and reduced my score 27 dawn ASAP. 
They want to report all old info again or because of malfunction of their system, it happened automatically. Ether one I requested to remove it I appreciate it. 
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 2019-06-22
Company: C.Tech Collections, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I am getting Chased by C.Tech for an unpaid {$65.00} for a doctor visit at XXXX XXXX. 

When I called XXXX XXXX, they advised it was from an office vist with XXXX XXXX XXXX. 

XXXX XXXX Office confirmed I do not owe them anything since I paid the full {$65.00} out of pocket during visit. 

I informed C.Tech and they have still proceed to chase me for payments that I do not owe. 

XXXX XXXX 's number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
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:
Last year I discovered a false account with XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2019-06-22
Company: ONLINE Information Services, 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 status incorrect

Complaint:
On XX/XX/XXXX I sent payoff check to collection company to have them update the status of the account, Company : Online Information Services, XXXX XXXX, XXXX, NC XXXX. 
My Check number XXXX cleared my bank on XX/XX/2019 : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IN XXXX.Company did not update my credit report as requested. Filed dispute with XXXX, XXXX XXXX, XXXX, PA XXXX. Recieved investigation results fromXXXX  stating investigation results verified as accurate. Thus my credit report was not corrected to show the account as close and paid in full and continues to show as active and in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: Nelnet, 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: Information belongs to someone else

Complaint:
please remove i have letters and emails attached that show no proof of me attending the school that is all rolled up into my student loans - my XXXX report stated that i agreed in writing that it was removed in error and i never agreed to any sort of thing i need proof of this what is showing in writing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Transunion, XXXX  and XXXX  are reporting a bankruptcy on my credit report, as verified. The XXXX District  of Illinois does not provide data to 3 party companies/vendor

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 2019-06-22
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 is missing that should be on the report

Complaint:
I am a XXXX XXXX on an XXXX visa. I have established credit since living in the United States and have credit files with all three major bureaus. I have obtained and reviewed my credit report from XXXX  and XXXX and they are complete and accurate. 

My credit report with Equifax is incomplete as it does not contain my Social Security Number. As such, potential lenders are unable to verify my identity using my identification as there is no match on my SSN. I have raised a number of disputes with Equifax, in which they requested that I provide valid proof of identification in the form of a copy of my social security card and my drivers license. 

The first three disputes did not result in the inclusion of my SSN and did not mention it in the results of the dispute. 

The most recent and final dispute raised in XX/XX/2019 resulted in Equifax writing to tell me that " The worker ID number is not issued by the social security administration as a social security number and can not be added to your Equifax file. '' I phoned Equifax who informed me having reviewed the documents that they did not consider my Social Security card to be a valid Social Security Number. I believe this relates to text on my Social Security card stating that the number is " valid for work only with DHS Authorization '', as it relates to my status as a non-resident alien which requires a visa in order to continue residing and working in the United States.

That being said, it remains a valid social security number and is used by my employer, lenders, and the IRS as a means to identify me. It is included within the 'Social Security Number ' box on my W2 and on my tax return. 

Equifax have been unable to provide any suggested resolution to this matter - their only suggestion was to visit the social security office to have that text removed from the card. This is not possible, since the text is required as it relates to my status in the United States. 

The issue has prevented me from obtaining credit in certain circumstances. I do not believe it is unreasonable to ask for my SSN to be added to my credit file ensuring it is complete, as the other credit bureaus have. I have provided documentary evidence of my SSN in good faith and believe Equifax should act on this information to avoid discriminating against me due to my status as a non-resident. 

My lenders each report my SSN on my file and it is therefore listed as a " SSN variation '' on my file, but that does not allow it to match when a potential lender is attempting to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Palmar, Inc.
State: AL
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:
my exs lived with while i realize i attract the XXXX  of the earth, and divorced both. they agreed to pay these debts they created in my name withot my permission but have yet to do so. how can I get these off my credit report as they are not my charges. if you look my bank family savings credit union my light bill all my bills are paid on time im not ever late. 
I trusted my husbands that lived with me, they took advantage and had access to my persona ; stuff and info we were married. i did not give permission or know anything about this. i divorced them for this reason. plase help me straighten my credt out. accounts they did were XXXX, XXXX, XXXX  XXXX, XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, you name it in XXXX if any cards or credit isnt bad it isnt mine. look and call my bank family savings credit union ive never misses a payment and my phone is through XXXX  i have always had prepaid or government phone. im on XXXX im very low income i dont live above my means. I dont like being punished for someone elses stuff on my credit it isnt right nor fair!

Company response to consumer: Untimely response
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: MI
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:
XXXX  and Equifax reporting false information after dispute filed by my self and XXXX XXXX, all documents sent for proof of false information filed of bankruptcys

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX  and XXXX  reporting false information after dispute filed by my self and XXXX XXXX, all documents sent for proof of false information filed of bankruptcys

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 2020-04-30
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid 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:
I called Citibank regarding my credit card ending with XXXX. It has been closed for quite some time due to Fraud and I was forced to pay this balance off which I have been for years. I recently paid my last payment on XX/XX/XXXX, and since we are in the COVID-19 pandemic, my salary was reduced and I called Citibank customer service XXXX, and spoke to XXXX who offered me a two month deferment, no increase in the APR or any late fees. She set me up and said that she would transfer me to the RVR to complete the process. Then she sent me to silence, then back to the automated system where I spoke to another CSR named XXXX, who was very unhelpful and started to get rude, I asked for a manager or supervisor, and she replied with " Im so sorry we cant help you at this time '' I asked once more for her manager and she said the same response and then hung up on me. Im going to file Bankruptcy if this can not be resolved since they have been very unhelpful in the past, and would not remove a {$700.00} charge that was fraud although I fought with them for years.

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 2020-04-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
These are not my accounts. Please remove them.

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