BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Penn Credit Corporation has sent several letters to my home and has had multiple calls made every week to my home demanding payment for a debt that is owed by an individual I do not know and that does not live in my home. The debt belongs to a woman named XXXX XXXX, is for {$410.00} related to a traffic violation in XXXX, Florida dated XXXX/XXXX/2017 and is under account number XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX communicated a change in my score. Transunion reduced my score from XXXX to XXXX a drop of 58 points from XX/XX/XXXX to XXXX, 2020. This is devastating. Why? I had just paid my bills on time. XXXX dropped my score to XXXX. Both scores fair. I had an autopay with A service and I canceled it why drop my credit score. I contacted the autopay company and they said I could cancel so What caused the drop in 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 2021-10-15
Company: One Source Technology
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
My consumer report ( background check ) lists my offense but does not list the date of conviction. This report does not give the potential employer any idea how long ago I was convicted or served my sentence. Its important for people to know how long in someones past they were a bad person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: EQUIFAX, INC.
State: MN
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 have tried to obtain my annual credit report from Equifax nearly every year since the " Free Credit Report '' law was enacted. Instead of my credit report loading, I get a webpage saying my credit report is unavailable online and to go to their website to obtain my credit report. However, their website will not allow me to log in to my account to download my report, due to technical issues they have refused to correct for several years. 

I have no problem obtaining my free annual credit reports from XXXX or XXXX, only XXXX is being a XXXX about providing me a report through the government 's website. This issue must be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions 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 am sending request to remove accounts which were opened by fraud another person. I never give permission to open these account and never signed any documents. The both accounts fraud. Please investigate and remove as soon as possible. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 am sending request to remove accounts which were opened by fraud another person. I never give permission to open these account and never signed any documents. The both accounts fraud. Please investigate and remove as soon as possible. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.

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: 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 have been a victim of identity theft. Someone used my information to open up a utility bill with XXXX XXXX. I placed a FTC report about this matter and disputed the account with Experian and XXXX. Experian is still looking into it at the time. However, XXXX  refuses to remove the fictitious account from my profile. They said the information is accurate. How is it accurate if i never had a bill with XXXX? This has stopped me from recieving service in my home now. I tried to contact XXXX. They asked me to submit an identity theft packet. In that packet it asks for proof of address. I can not furnish a proof of address at the time because at the time this incident occured, i was a student at XXXX University living in XXXX. so there is no way i lived at the address connected to this account. The amount is for 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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-02
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My father attempted to clear a debt with a collection agency. They informed him that he could settle the debt for a specific amount. He received a letter stating that if wanted to resolve the issue all he would have to do would pay the settlement amount. The amount owed was {$1500.00} but to settle the debt. The only amount paid was {$460.00} but my father after paying was threatened that it would negatively effect his credit if he did not pay the full amount of the debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Experian Information Solutions 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:
Attached is my birth certificate as my name is not XXXX XXXX XXXX 5. 

I am disputing public record and XXXX accounts.

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 2021-10-15
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received 30+ calls from an automatic system from ERC this week. I spoke with XXXX XXXX and she attempted to collect 3 debts at the same time, and she gave me information about those accounts without verifying my identity before providing that information. 
Following account information was provided to me by XXXX XXXX : XXXX XXXX ( Ref : XXXX ) with a balance of {$2000.00} and with last 4 of social XXXX in that account. 
XXXX ( Account # XXXX Ref : XXXX ) with {$450.00} and last 4 of social in that account XXXX. 
XXXX XXXX XXXX with last 4 of social XXXX. 
After sharing with XXXX my intention of filing this complaint, I got transferred to XXXX at the office of the president, XXXX started asking for information without notifying me of her attempts to use all the information obtained to collect a debt. 
I explained XXXX that I been harrassed getting several call repetitive and in an inappropriate way. XXXX offered to to place the accounts in Fraud status but I inquired why I should place an account that doesn't have my social security but XXXX refused to answer my question. At the end she started that those are my account without verifying the validity of those account and not having present that the social and address on those account doesn't match with my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: PNC Bank N.A.
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:
A Visa card was opened without my knowledge by my ex-wife ending in # XXXX. I have asked PNC to just remove this reference from my credit report since in did not sign for this card, it is current and has never been delinquent. It has a high balance of $ XXXX and I believe it is adversely affecting my FICO score since it is almost at its credit limit. We have been divorced since XXXX ( proof available ) and my defense is PNC can not prove I ever signed for the card or had any knowledge it was open, all other creditors upon our divorce closed or removed the references from my credit report, here are the reason I think PNC should just remove the reference from all XXXX credit services, that is all I am asking. 

1 PNC can not prove I ever signed for this card 2 there is no record of me ever making a payment on this card 3 I have never received a card for this account, I have never made a charge or any transaction on this card, I have never received a statement from this card 4 the card can not be tied to my current address which I have been at since XXXX, they have absolutely no NOTHING to tie me to his card/account that my ex-wife opened without my knowledge, this card is also the only " joint '' credit showing on my current credit report 5 I had requested a copy of the signed credit application, they could not provide it stated they only retained it for 7yrs, again PNC can not prove in any way I was involving in opening this Visa card I just want the reference deleted from all 3 credit reports since the high revolving balance almost at the card credit limit is adversely affecting my credit / FICO score since I individually have < {$400.00} in revolving debt. PNC just states its not " our policy '' to remove references, but they can not in any way, shape or form prove I opened this account. Its obvious since I have had no activity as stated before with this Visa that it should remain on my credit report. 

Person most involved at PNC is XXXX XXXX, PNC Executive Client Relations, XXXX XXXX XXXX, XXXX, Pa XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have been a victim of identity theft. Someone used my information to open up a utility bill with XXXX XXXX. I placed a FTC report about this matter and disputed the account with XXXX  and Equifax. XXXX  is still looking into it at the time. However, Equifax refuses to remove the fictitious account from my profile. They said the information is accurate. How is it accurate if i never had a bill with XXXX? This has stopped me from recieving service in my home now. I tried to contact XXXX. They asked me to submit an identity theft packet. In that packet it asks for proof of address. I can not furnish a proof of address at the time because at the time this incident occured, i was a student at XXXX University living in XXXX. so there is no way i lived at the address connected to this account. The amount is for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
i have send numerous letters, disputing errors on my credit report to experian, all letter go with a copy of my driver license, voter registration and social security card, they dont remove the errors, i am tired of their incompetence and refusal to respond and correct the issues 1>-Statements Personal Statement ( s ) 26 & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 
I never ask for this and have 3 letters to have it removed 2.-XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies I never applied for a loan, they dont ' have anything from me 3.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific never did i do an application either

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 2019-09-02
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX was sent to collections on XX/XX/2019. This account had already been added to my bankruptcy prior to that and since then has been discharged. I am repeatedly being called and receiving threats from SEQUIUM ASSET SOLUTIONS. XXXX XXXX was discharged a while back and should not be charging me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: The CBE Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 i received notification via email that there was a collection debt added to my credit report. XXXX XXXX  is stating that I woe a bill for a address I never lived at. they are stating that i opened this account on XX/XX/2019. This is impossible because I have had XXXX XXXX XXXX XXXX XXXX  account for 2 years and the address they are stating I have never lived there. I have spoken to the original credit multiple times and they keep selling the account to different collection agency under false pretensing. i want this removed from my account because as of today they refuse to send me proof that its my account under my social security number. As of today no one from the company has provided proof of this contract that I signed for a bill that doesn't belong to me. they have messed up my credit because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
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: Investigation took more than 30 days

Complaint:
i have send numerous letters, disputing errors on my credit report to experian, all letter go with a copy of my driver license, voter registration and social security card, they dont remove the errors, i am tired of their incompetence and refusal to respond and correct the issues 1>-Statements Personal Statement ( s ) XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 
I never ask for this and have 3 letters to have it removed 2.-XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies I never applied for a loan, they dont ' have anything from me 3.-XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific never did i do an application either

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 unsuccessfully attempted to obtain a copy of my credit report online. I filled out the required information on the XXXX website. I clicked continue and then another page was displayed informing me that I would have to complete the identity verification process. I was asked to verify the information I had provided which consisted of Name, Date of Birth, Address, and the last four of my social security number ( See Page 1 ). After clicking " continue '' the next page stated " Unable to complete your request '' and " We are unable to confirm your identity ( See Page 2 ). I  was not asked any verification questions I was just sent directly to the page. I then called the phone number ( XXXX ) XXXX and wasted 15 minutes following the prompts before the automated system announced it would not be able to process my request. There was no option to speak with a representative. I will next attempt to mail in a request. My impression from this experience is that XXXX is structured to make the process of requesting a free credit report as difficult as possible. Considering that the three largest credit reporting companies operate this website I am not particularly surprised. They have met the letter of the law by providing this website however the website uses every method available to evade the spirit of the law by not actually providing the credit reports as mandated by federal law. In a final act of buffoonery the site then asks for my name and address to " help solve problems better '' ( See Page 3 )

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 2019-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
My compliant is against Capital One bank, account # XXXX, date open XX/XX/XXXX, account status open. On XX/XX/XXXX. I sent a dispute letter so that Capital One bank can investigate on a 30-day late payment back on XX/XX/XXXX, which they did and decided to leave the 30-day late payment in my reports. When I contact them I was told that sending proof of my hospital stay that late payment was going to be removed from my report, I sent all the required documents to Capital one and they decided not to remove late payment. This is an unfair business practice and Capital One is not being reasonable with a client that has been loyal to them since years back. I also didnt receive any notice of late payment insertion required by California Credit Reporting Act, which it is a clear violation to the FCRA. Im attaching letter sent back on XXXX and request Capital One to reconsider removing 30-day late payment from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: Transfinancial Companies, Inc
State: LA
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:
Upon pulling my credit reports I noticed that I have two accounts with Transfinancial Companies on my credit reports in the amounts of {$1100.00} and {$1200.00} reporting. I have disputed this information on several different occasions asking for validation of this debt as I think that there is an error in the companies reporting these debts. The company has failed to provide any validation of these debts under the FCRA regulations. I would like these accounts to be removed promptly as it is impacting my credit worthiness.

Company response to consumer: Closed with explanation