BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-22
Company: Kirschbaum, Nanney, Keenan & Griffin, P.A.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or around about XX/XX/2017 I received a hard inquiry on my XXXX  credit report. I was alerted by a credit monitoring alert through XXXX. Concerned due to the fact I hadnt recently applied for anything it showed the company Kirschaun, Nanney, Keenan & Griffin, P.A. had run a hard inquiry on my credit report. Considering I have never given them my personal information I called that following Monday and was told I owed a debt to XXXX XXXX which I hadnt recently done business with. I received a response from the company in which I still have screenshots and print outs and I informed them it was fraud. There was enough information provided from the company the last time I made a complaint to investigate with the assistance of an attorney. I even called XXXX customer service and was told they had no idea what I was talking about.The VIN number of the car Was searched it belongs to someone else. I have documentation to show the car was sold by XXXX in another state. We ran a VIN check. # XXXX. 
XXXX XXXX XXXX. I would think a collection agency or a entity that acts as one would have common sense to investigate. XXXX clearly provided false information and after informing Kirschbaun, Nanney, Keenan & Griffin, PA they still committed fraud on behalf of XXXX. Fact # 1 I was not and have not been a resident of XXXX let alone XXXX XXXX for more that 2 years. My drivers license is proof and my lease agreement to my apartment. I couldnt of purchased a car if I wasnt physically wasnt in the state. I was a resident of XXXX   then now a resident of XXXX. I have yet to see a car loan application, copys of any identifying information. After the response from my last complaint to the Consumer Financial Protection Bureau I sent the company certified mail which was later rejected and sent back stating it was the wrong address. But I clearly sent it to the address provided which was a XXXX XXXX In XXXX XXXX. I have made a formal complaint to the state bar due to the misconduct and false documents provided by Kirschaum, Nanney, Keenan, & Griffin, P.A.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: EQUIFAX, 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 have supplied Equifax with a copy of my certified police report, a fraud affidavit and a copy of my report that was filed with the FTC. To date, they continue to re-insert fraudulent information on my credit and or they wont remove it. This is actually my second complaint within 6 months. They always ask for 60 days to investigate the situation and they do nothing. 

I am requesting the following accounts be removed 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 I have not applied for credit with in the past 5 years and I am requesting they remove the following fraudulent inquiry entries 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 Also my credit should have been frozen and these unauthorized inquires should have not been allowed on my credit. I am also requesting again that my phone number be added to my fraud alert XXXX. 

Equifax Confirmation Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: TX
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:
I was never sent a method of verification letter. This is a violation of my rights there are no proof of how the debt was validated. Please remove from my credit report 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 explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
UPDATE CREDIT REPORT WITH CURRENT ACCURATE INFORMATION

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 2019-08-31
Company: PNC Bank N.A.
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:
PNC claimed I owed a debt which I do not owe them. They reversed an old fraud charge to my account when I wanted to close my account last year. I recently opened a cfpb complaint because they were illegally denying me access to my financial statements. They have not responded to my complaint. They did, however, use my contact information from my complaint to update the collection of my account they falsely accused me of owing. They took my personal contact information from my CFPB complaint and are using it to harass me for a debt I do not owe. I'm not surprised, considering they did not protect me from fraud on my account and denied me access to statements of the account. They have no morals or ethics, whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

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 2018-07-22
Company: AFNI 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:
Re : AFNI, INC/XXXX  Account # XXXX I am beyond exausted trying to resolve this matter I'm currently experiencing with XXXX. Due to this issue I have experience such a hard time in life with the harassing phone calls it's making me miserable as well as my kids. I have tried on numerous occasions to resolve the inaccurate information on my credit report but hey have completely ignore me however they've been calling my job, my friends, my neighbors, my husband and the camp where my children are enrolled which I don't know how they got the number to. They've called everyone in my life except my dog. This has brought on a lot of mental issues to the point I'm having difficulties all for an account I have no knowledge of. 

This is the last time I'm trying to resolve this issue for the inaccurate information. My attorney has advised me to sue, however I'm trying to resolve this before I have to take legal action. Should they not remove this inaccurate account off my report I will sue for deformation and financial injury. Under the FDCPA and FCRA I can sue for damages to which I know my rights. FDCPA section 809 this law allows me to sue under the same circumstances. I have demanded on several occasions for the cause to cease and desist and they've ignored it. Please assist me with working with this company to have this account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 2021-08-13
Company: N26 Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
N26 BANK DISCRIMINATES AGAINST THEIR MINORITY CUSTOMER BASE.N26 BANK IS NOT INCLUSIVE ; their customer service rep even asked if I am XXXX, n26 bank discriminates against military personnel, active/retired. For the past two months, I have contacted N26 bank to dispute my charges & N26 refused to assist me. Customer service reps purposely stalled initiating disputes to put my account outside the timeframe allotted to dispute charges. I HAVE PROOF THAT I SENT Proof TO N26 REGARDING PAYING BY OTHER MEANS. I have contacted N26 via social media, EMAIL & I HAVE RECORDED CONVERSATIONS RANGING FROM 2 months ago to two days ago. N26 BANK HAS PROVEN THEY ARE CONSISTENT WITH FAILING TO SERVE THE CUSTOMER AT THE LOWEST POSSIBLE DENOMINATOR. THEY LOCK CUSTOMERS OUT OF THEIR ACCOUNTS, PREVENTS CUSTOMERS FROM DISPUTING TRANSACTIONS, & ISSUES GASLIGHTING, PROJECTING, AGGRESSIVE RESPONSES FROM " XXXX ''. I AM A VICTIM OF N26 BANK 's DISCRIMINATORY/RACIST BANKING PRACTICES. I AM A VICTIM OF THE N26 FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: MD
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$310.00} XXXX  XXXX XXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$310.00}

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 2018-11-06
Company: Experian Information Solutions 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 have disputed this medical charges that ended up on my credit report with all 3 credit bureaus. XXXX and XXXX have responded and stated that I was correct and this is not my bill nor could have provide valid proof and they have removed these from my credit record. Experian on the other hand keeps saying that the charges are valid and will not remove nor prove signature they are mine. I show proof of ID and sign EVERY time I get anything medically done. Experian has dropped my credit another 74 points yesterday because of this and it is truly aggravating and destroying my credit that I have worked very hard on. Please show valid proof or remove these from my credit and store my points XXXX XXXX XXXX {$720.00}

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 2023-05-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, date of last payment is inaccurate, past due amount is inaccurate, account type inaccurate. This ground for removal they also violated my rights under 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 .I send to them a dispute to verify it which they said it accurate which was not and they illegally change all the information soon as I send them the inaccuracy. Which by the laws should be deleted. The company should be charge for those illegals activities, I'm sure many people are victims by those illegal activities.THEY violating the credit reporting laws. WHich they violating the laws in front of all the XXXX credit bureaus and they still gave them the power to remain on my credit report which is unfair.

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: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted in XX/XX/XXXX by a company that had an unknown number, telling me I have a bill from XX/XX/XXXX from XXXX ( spelling? ) I asked what the bill was about and to send me back up documentation. I still have not received it. They had my email address and I told them to send to my email address. I would not give them my mailing address. I contacted XXXX and they have been sold, I went thru 3 hours of people trying to find my account and the final lady told me well good luck, those people do not care what they do and they will put it on your credit. 

I called back to Southwest Credit Systems and they refused to let me talk to anyone in corporate or anyone that could send me a copy of the bill. 

They just put it on my credit this morning, I called them immediately and the call was recorded and the lady refused to say any more after I told her I never lived at that address and gave her my address in XX/XX/XXXX and the internet company I had. 

I am purchasing a home for my XXXX year mother and I and it has killed the deal most likely. I do not know owe this bill. How you can let people do this people I just do not understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I called the national credit report request number to obtain my free credit reports for this year because I am suspicious of fraudulent activity. I requested for all 3 reports and it has been almost 2 months since then and I still havent received them. Im concerned someone is using my information and just need to check my credit reports.

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 2023-05-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX 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, NC XXXX XX/XX/2020 XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$970.00}

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 2017-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
this is the 7 th time my card has been compromised, XXXX XXXX, We 're letting you know your card may have been part of a compromise at an undisclosed merchant. This does n't mean that fraud has or will occur on your account and as always, you are not liable for fraudulent transactions when reported promptly. However, as a precaution, we 're issuing you a new card which will arrive soon.
You may continue to use your current card until your new card arrives. Once you receive your new card, the old one will no longer be valid. Please activate your new card as soon as you receive it. Keep in mind, your current credit card will deactivate on XXXX. 

This happens every 6 months are or so. This causes me great inconvenience, I have not had this issue any other card.

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 2023-08-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06
Company: EQUIFAX, INC.
State: ME
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:
After 4 phone calls, being put on hold for an hour at a time by the call center in the XXXX, I was finally able to speak to an American. As I am speaking to her, I find out that the address they ( Equifax ) are reporting for me is 10 years old. Yes, TEN years old. Their collection account activity is also incorrect as ALL of the collections were paid by my attorney in XX/XX/2018. The hospitals and doctors sent the attorney all bills due to the injury suffered ( broken shoulder - and needed to be replaced ). The hospitals and doctors agreed to a settlement for which was negotiated by the attorneys and the hospitals and doctors offices. Equifax has NOT made any changes at all and this has been going on now for 4 months. Equifax has refused to remove anything from my credit report OR make the correction to the address for which has been incorrect for 10 years. This company needs to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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 have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these items are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX Open Date XX/XX/XXXX Balance : {$55000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$54000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$52000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$42000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$21000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Docket Identifier 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