BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-27
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1- Pacific Credit services straight ahead reported me to the CRAs without even notifying me of the existence of a debt. 
2- When I found out a collection in my credit report, I sent them a certified letter dated XX/XX/XXXX asking for a validation of the debt. They did not answer and kept on reporting this collection which is violation of the FCPDA. 
3- I send them another certified letter dated XX/XX/XXXX requesting validation and to stop reporting to my credit report, which is considered to be a collection activity. They did not take heed and still reported the collection on my credit report. From them, I then received a letter for a statement that does not proof that the debt is mind. It was dated XX/XX/XXXX sent to the wrong address listing charges back to XXXX with no explanation what the charges for and with a note stating '' a recent audit of your account revealed that we have inadvertently missed billing you for your portion of the payment '' Pacific Credit services failed to send me a validation. 
4- On XX/XX/XXXX I send them another certified letter requesting them to validate my debt under the Fair Debt Act and so it has been 57 days and they have not replied and are still reporting the collection to my credit report. 
5- Pacific Credit services are in violation of Fair Debt Collection Practice as they are reporting an unvalidated debt. They also do not have my authenticated permission to first pull my credit report or to report to CRAs. I do not have any legal binding between them and me. I do not owe them anything. 
5- In the letter they sent they indicated to me that they will keep negatively reporting this collection to credit reporting agencies which is illegal practice. 
6- They defamed my character for something I did not do. 
7- Medical debt collection on my personal credit report is a direct violation of HIPPA Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: BANCO POPULAR DE PUERTO RICO
State: PR
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:
I`m writing on behalf of my client, XXXX XXXX XXXX Her former creditor, Banco Popular de Puerto Rico ( BPPR ) sued her on 2016. After several processes she reached an agreement with BPPR with the full consent of the latter. According to this agreement she agreed to pay {$180000.00} as part of a Short Sale to end the judicial process initiated against her by BPPR. She paid fully the said amount and BPPR agreed to cease the judicial process against her. XXXX XXXX XXXX and BPPR authorized the notarization of this agreement. Nevertheless, BPPR maintains inaccurate or incorrect information about her credit that seriously affects her.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: EQUIFAX, INC.
State: IL
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:
Equifax and XXXX are reporting incorrectly that I am 90 plus days past due on XXXX XXXX XXXX Accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4 and 5 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Westlake Services, LLC
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
There was a judgement for {$7300.00} from Honor Finance LLC on XX/XX/XXXX. Honor Finance LLC is no longer and existing company. Honor Finance LLC was indicted by the United States Department of Justice on XX/XX/XXXX and subsequently dissolved all it's assets as a legitimate business and company.

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 2023-06-09
Company: Experian Information Solutions Inc.
State: NY
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 told Experian, XXXX and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

1.EXPERIAN BUSINESS CRED Date of inquiry : XX/XX/XXXX Please Delete Immediately 2. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please Delete Immediately 6. The inquiry was not authorized EXPERIAN BUSINESS CRED Date of inquiry : XX/XX/XXXX Please Delete Immediately 7. The inquiry was not authorized XXXX/XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please Delete Immediately 8. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete 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 2021-09-10
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the I C SYSTEM ( Original Creditor : XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

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 2021-09-10
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE THE FRAUD ALERT I NEVER ASKED FOR NOR AUTHORIZED TO HAVE ADDED TO MY CREDIT FILES I HAVE BEEN REPEATEDLY IGNORED WHEN IVE ASKED THE BUREAUS TO REMOVE THE FRAUD ALERT ITS AN EXTENDED ONE FOR A MINIMUM OF 7 YEARS I NEVER EVER AGREED TO THAT I NEVER WANTED A FRAUD ALERT PLACED ON MY FILE I ALSO WAS NOT EVEN NOTIFIED BY LETTER I ONLY SAW IT WHEN I GOT MY ANNUAL REPORT THAT WAS THE FIRST I HAD EVEN KNOWN ABOUT THIS RIDICULOUS ALERT THAT WAS 2 MONTHS AGO IVE ASKED AND SUBMITTED THE PDF TO ALL 3 BUREAUS TO REMOVE AND HAVE BEEN IGNORED IN MY REQUEST

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Genesis FS Card Services, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently tried to purchase a house. The realtor suggested i pull my report, before putting a hard inquiry on my credit file. So I did so, in the mist of that, is when i noticed two accounts opened seemingly around the same time. which are : XXXX XXXX in the amount of {$3900.00} ( whats showing on credit report ) Indigo Card in the amount of {$610.00} ( whats showing on credit report ) When i noticed the account i called their toll free numbers, and explained that the debt on my file is inaccurate. I was told to file a police report, but to be told to take it up with the credit card company, there's not much they can do, if i don't have a clue where it came from. So i verbally filed a dispute, with the creditors, and the bureaus asking them for verification, ( Which i never received ). 
Also another reason i'm complaining is by looking at my report again, I've seen where the Indigo card didn't mark the account as disputed. they actually updated the account, to make it ( pay as agreed ). The account is not mine! I want them removed, inquiries and all. Along with all that, a fraud alert was placed on my account, which could damage my chances of my future house purchase, or any other line of credit i may want to open in the future. I feel since this isn't my debt, why should i have to be penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XXXX XXXX I opened a Barclays AAvantage Credit Card with a XXXX advertized bonus with {$2000.00} spend. I met the terms in XXXX and have been waiting on the bonus. The terms state that the bonus will be paid in 4-6 weeks but can sometimes take 8-10 weeks. It has been three months. When I contacted customer service they said the bonus would post on my XXXX statment but it did not. 

I would appreciate the bonus being paid now as I met the terms of the offer and had wanted to use the points for a flight. Due to the delay I have had to book the flight and have not been able to use the miles promised. 

From the company : You will receive XXXX bonus AAdvantage miles and a {$95.00} statement credit after spending {$2000.00} on Net Purchases within the first 90 days of your Card Account open date. This one-time offer is valid for new accounts only. Existing accounts and previous cardmembers with accounts closed in the past 24 months may not be eligible for this offer. The bonus AAdvantage miles will be reflected on the billing statement in which you have qualified to earn the bonus. Please allow 4-6 weeks for bonus AAdvantage miles to be deposited into your AAdvantage Account after the qualifying purchase ( s ) have posted to your Card Account. The statement credit will appear at the close of the billing statement after the qualifying purchases post. 

The requirements were fulfilled on XX/XX/2022 statement, therefore, we kindly ask you to allow the allotted time. The bonus miles should be reflected on your XXXX statement. 

We thank you for being a valued customer and we hope you enjoy the rest of your day. If you have any other questions or concerns, please reply to this message.

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 2021-09-10
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by EQUIFAX Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, EQUIFAX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX 1 XXXX-Date of inquiry XX/XX/XXXX 1 XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Balance {$10000.00} ; XXXX XXXX Balance {$390.00} XXXX XXXX  XXXX XXXX XXXX Balance {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 my phone was stolen by roommate which she used my phone to make an unauthorized XXXX  transfer of XXXX. My phone was then returned to me the next day XXXX XXXX, 2022. She claims she found my phone in her car. I later found out that she used my phone to do a XXXX transfer. I placed a claim with XXXX Bank of America. They denied the claim. I created a police report with my local police department. And sent faxed over the incident report. Today on XX/XX/2022 I received an email from Bank of America denying my claim once again. Ive already explained the situation to them and even faxed my incident report. My roommate knew personal information of myself that I trusted her with and she used it against me to steal from me. I just want my claim to be honored and receive my money back.

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 2021-09-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: ACIMA CREDIT, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ACCOUNT NAME : ACIMA DIGITAL FKA SIMP ACCOUNT NUMBER : XXXXXXXX XXXX | XX/XX/2020 Inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
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: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to remove these items off my credit report so I can move on with my life. 

Bankruptcy ch XXXXdismissed Ref XXXX ( XXXX, Transunion ), Bankruptcy ch XXXXdismissed Ref XXXX ( XXXX, Transunion ), Bankruptcy ch XXXX-dismissed Ref XXXX ( XXXX ), Bankruptcy ch XXXX-dismissed Ref XXXX ( XXXX, Transunion ), Bankruptcy ch? -dismissed Ref XXXX ( XXXX  , transunion ), Bankruptcy ch XXXX- dismRef XXXX ( XXXX, XXXX ) , Bankruptcy ch XXXX-dism Ref XXXX ( XXXX, XXXX   ) , Bankruptcy ch XXXXdismissed Ref XXXX ( XXXX, transunion ) , Bankruptcy ch 7-dism Ref XXXX ( XXXX, XXXX, , Transunion ) , XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX ( XXXX, XXXX, , Transunion ) , XXXX XXXX Acct XXXX ( XXXX, , XXXX, transunion ) , XXXX XXXX ( XXXX, XXXX, , Tranunion ), XXXX XXXX XXXX ( XXXX. XXXX, TU ), 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 2021-04-29
Company: Army and Air Force Exchange Service
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AAFES and Military Star Card back in either XXXX or XXXX erroneously charged my mother {$1500.00} for a " Sea Cruise '' that she never purchased. Because she's XXXX, my mother was ( and remains ) incapable of partaking in this activity, and thus, would never even consider making the purchase shown on the Military Star Card way back then. Both of us tried at the time to find a resolution to this problem through customer service at the XXXX on XXXX XXXX, but they were unaware of what to do, and were not helpful. And since this credit card was her first one, she didn't know how to formally dispute the charge on the card. Also, my mother was under mental & physical duress because of the negative side-effects of her medications, so she let this matter slide over the years. But with some recent improvement in her health, we are just now taking steps to fully resolve this situation.

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 2023-08-10
Company: EQUIFAX, INC.
State: NJ
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 items, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX  is in clear violation under the FCRA 15 USC 1681 ( b ) permissible purpose of consumer report. The law clearly states ( a ) in general subset to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX permission to furnish my utilization. Furthermore the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( 1 ) exclusions from a consumer report clearly states : ( 2 ) exclusion except as provided in paragraph ( 3 ) The term consumer report does not include - ( a ) subject to section 1681 ( s ) -3 of this title any- ( i ) Report containing information solely as XXXX transactions or experiences between a consumer and the person making a report. Utilization is an experience with a line of credit that was extended between the consumer ( me ) and the person ( XXXX XXXX  ) thats making the report. Congress clearly states that the report of transactions or experience between the consumer and the person making the report is not included on the consumer report. Therefore XXXX XXXX is in violation of the FCRA 15 USC 1681 ( a ) ( 2 ) ( i )

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