BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-20
Company: EQUIFAX, 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:
I have some information on my credit report that I have identified under FCRA 605b as being fraudulent and XXXX  and Equifax. I am a victim of identity theft and have identified the items that should be blocked under FCRA 605b The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Accounts from XXXX XXXX with a balance of {$18000.00} that was opened on XX/XX/2018 Installment loan from XXXX XXXX  with a balance of {$28000.00} that was opened on XX/XX/2018 And inquiries from XXXX XXXX XXXX XXXX ( XX/XX/2018 XXXX XXXX XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX ( XXXX XXXX ) XXXX XXXX ( XX/XX/2018 ) XXXX XXXX ( XX/XX/2018 ) XXXX XXXX ( XX/XX/2018 ) I have asked the bureaus to block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. They are willfully not blocking this information thus breaking the law so I am submitting it here so they will be held accountable as well as proof that this information was indeed sent. 

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Receivables Management Corporation
State: SC
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 a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: SYNCHRONY FINANCIAL
State: GA
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 XX/XX/XXXX, I received a promotional letter from Synchrony Mastercard saying I was pre-approved their new credit card, featuring 2 % cash back and {$150.00} account credit if I spend over {$1500.00} within the first 90 days of account opening. I replied online since I deemed it's a good deal. Yet after over a week 's wake, I received a call from Mastercard company asking about why I wanted to apply for the card, they needed some credentials, I told them I was simply replying to the synchrony 's promotional offer, then due to that delay and the planned trip that took place on XX/XX/XXXX -- I checked my mail box every day before the vacation trip to New York for XXXX, so that I can use the card during vacation. It didn't arrive prior to my departure ( XX/XX/XXXX ). When we returned on the XXXX, I then located the approved credit card in the mail box, activate it, and started using it. 

I spent over {$1500.00} during the first 90 days once I activated the card, but received no {$150.00} account credit. I contacted synchrony, multiple times, first they said the 90 days starts when I first responded to them, I then explained that I got an extra call from Mastercard company and I couldn't activate my card, on XX/XX/XXXX, they sent me an email with an attached letter saying that the account credit would appear on my account within 1-2 billing cycle, but since then I still received nothing. I contacted them again by the end of XXXX, they said they did not know how the " reward department '' handled it and I had no way to contact them. Therefore, no reward as they claimed so far.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-23
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My credit report is still showing an account # XXXX with a balance that has already been paid off in XXXX of 2023. I made a payment of {$5200.00} on XX/XX/2023, the payment was posted by XXXX but they never updated the account to XXXX status. I sent XXXX a billing error dispute for correction of this violation XX/XX/2023 pursuant to 15 USC 1666 ( b ), ( c ), ( d ) and ( e ) but have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Reliant Capital Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
To Whom It May Concern, The reason for my dispute is Reliant Capital Solutions was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX XXXX 
failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) Reliant Capital Solutions failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. Reliant Capital Solutions is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where Reliant Capital Solutions is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. Reliant Capital Solutions. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My CapitalOne card was first used without authorization XX/XX/XXXX then on XX/XX/XXXX and XXXX, each time for {$59.00} to XXXX. Those charges have been removed each time except for most recent one. 
The problem is I have to spend HOURS on phone with Customer Svc, then await a new card ( I am on my 4th card in 2 months! ). I spoke with them many times to stop recurring charge but am told this is a " subscription '' and, even though I had nothing to do with originating the charge, I/they can't stop it. Visa, not XXXX, sends new card # immediately to XXXX so the charge reappears before I even receive new card. I emailed Visa and await a reply. 
On XX/XX/XXXX a XXXX " supervisor '' said this vendor, XXXX, " will be blocked for 15 months ''. Obviously this didn't happen. 
XXXX, when called, states that neither my name nor any of card numbers match any in their computer files and they insist that they are NOT billing my account even though my statement shows XXXX as vendor with their correct name & address. 
There are also 2 other vendor charges, XXXX and XXXX XXXX, that recur ; they are {$9.00} each. 
but are more easily dismissed without the phone calls, new card, etc..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
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 is missing that should be on the report

Complaint:
add good accounts by XXXX card that they took off you cant take good paid history b/c you're mad about other disputed accounds FDIC, FTC, FCRA violations See attachments for proof

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 2020-10-19
Company: EQUIFAX, 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: Account information incorrect

Complaint:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name XXXX DEPTEDXXXX  Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
add good accounts by XXXX card that they took off you cant take good paid history b/c you're mad about other disputed accounds FDIC, FTC, FCRA violations See attachments for proof

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 2021-03-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that 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 gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
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: Information belongs to someone else

Complaint:
i have sent over a police report, fraud identity report, along with my id and social security number and a copy of XXXX several times to Equifax, XXXX XXXX. I have been a victim of identity theft and have taken all the available procedure available to me to get them to report accurate information on my credit file. I have never had a late payment in my life prior to the identity theft that started XXXX. They keep reporting XXXX credit cards in access of {$70000.00} in my name, XXXX XXXX {$9000.00} and to XXXX XXXX XXXX as late XX/XX/18, XX/XX/18. That is impossible because they automatically withdraw from my checking out since the first payment for the lease. Please have them make sure they only report ACCURATE Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-08
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
First of all, I never chose Nationstar as my mortgage company. I do not believe anyone in their right mind would chooses them. They are criminals!! Nationstar refuses to release my insurance claim funds for a claim on severe flood damage. It was supposed to take 3-5 business days and it has now been 17. My XXXX children have been living in a dangerous gutted house since XXXX/XXXX/15. This has been a very urgent situation and Nationstar has done absolutely nothing to help with this situation, they have only added more obstacles. As soon as this repair is complete, I will re-finance with another mortgage company. I will do everything I can to ensure that Nationstar is the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a credit card on XX/XX/XXXX. I have 3 months to purchase XXXX in order to get promotional mileage. I called about XX/XX/XXXX or XXXX to inquire about my card. My temporary card stopped working on XX/XX/XXXX. I was told another card would come on about XX/XX/XXXX. I received the card and tried to activate it on XXXX XXXX could not activate so I called again. I was told the card was cancelled- no reason was given. I can not even login to the account ( i made a purchase with the temporary card ) and I already received a bill with No way to pay it. I was told today that they would expedite another card. Now I have 2 months to make the required purchase if I get the card timely. Its almost as if they do not want me to get the promotion. Please advise.

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 2018-04-08
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I contacted Franklin Collection Services regarding a collection that appeared on my credit report. I informed them I was a victim of identity theft and the account was fraudulent and belonged to an address I had never resided. I have never authorized or given anyone permission to use my personal information. 

On XX/XX/XXXX, I emailed XXXX a copy of my identification, police report and FTC Affidavit. I also mailed a request for validation of this debt along with the same documents emailed. 

As of XX/XX/XXXX, Franklin Collection Service continuesto report the collection as valid on my credit report prior to validating the debt as requested or providing any written notice pursuant to 15 USC 1692g ( a )  and ( b ). 

They failed to 1. Cease all collection activity, including reporting until proper validation of this debt was provided. 
2. Provide me with validation or information regarding this debt within five days of communication. 
3. Failed to notify credit bureaus of the dispute. 

Furthermore, Franklin Collection Services informed me the account was opened in XX/XX/XXXX. However, according to my credit report, it shows the account being opened on XX/XX/XXXX which would clearly indicate inaccurate and outdated information ( still resulting from fraud ) being reported to my credit report. 

My credit report shows an update on XX/XX/XXXX that supports my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: MONEY SOURCE, INC., THE
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage insurance was paid out twice from my escrow account. Once to the wrong company ( XXXX XXXX on XX/XX/XXXX ) and once to the correct insurance company ( XXXX on XX/XX/XXXX ), both in the amount of {$3000.00}. I have been told by many representatives that thus money was refunded to The Money Source on XX/XX/XXXX but it is not reflected in my escrow account. 

I have called dozens of times since the end of XXXX to get this straight. I have gone through 1 escrow analysis and a dispute and it has still not been fixed. They have stated that the negative balance in my escrow account is correct but can not and will not provide documentation stating that money was ever credited back to me. 

Now my mortgage is more than I am able to pay and after XXXX, I will not be able to make my mortgage payment. I am scared to lose my house over this. They are holding {$3000.00} of my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX Account XXXX : XXXX XXXX XXXX XXXX Capital One closed my account with refunding me the deposit I have made back in XXXX. 

I have called multiple times to have this deposit send it back to me via check. I can't believe they're stealing money from the customer and they closed my account incorrectly! 

I NEED MY DEPOSIT TO BE SENT VIA CHECK IMMEDIATELY! 

My check need to be sent to this address : XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: Choice Recovery, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Choice Recovery has acted deceptively with respect to my account and my wife 's, attempting to collect on a debt that is already paid, and filing false reports with credit agencies. They accepted referral of a debt that we were actively disputing with the original creditor. We were working with a consumer hotline ( the XXXX XXXX ) that had taken our case and was negotiating with the original creditor, who had been misleading in their business practices, but they aggressively referred it to collections rather than work with the hotline. As a result of the threat of collections, we paid the debt to the original creditor ( under duress ) in full on XX/XX/XXXX for both accounts. However, Choice continued to contact us claiming we owed the debt. On XX/XX/XXXX, weeks after the debt was settled, they falsely reported it to credit agencies as unpaid. This is despite the fact that they claim in letters that they will not report debts to credit agencies if they are paid within 31 days of the first contact, as this one was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
ACCOUNT WAS OPEN IN MY NAME WITHOUT MY CONSENT

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 2019-02-20
Company: Experian Information Solutions 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 went to co sign for my partner e. car and was denied. I was totally surprised because I have severe.I paid off cars on my credit. I went and pulled my credit and there e.re things on my credit that are not mines. I contacted my local police and FTC. Imm also doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  and XXXX. Please remove these items from my credit. 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 non-monetary relief
Consumer complaint received 2023-01-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates is reporting an inaccurate collection account on my reports. Each credit bureau is alleging that I owe a balance more than what Portfolio Recovery Associates is alleging I owe which is in violation of the FCRA. If the credit bureaus are getting their information from the same place, how is it that they are reporting inaccurate information? I am requesting that this account is deleted from my reports at the simple fact that the credit bureaus are in violation of my rights as a consumer and the consumer law of reporting inaccurate information which is illegal.

Company response to consumer: Closed with explanation