BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-31
Company: Jon Barry and Associates, 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:
XXXX XXXX XXXX {$1100.00} & {$1000.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2019 I requested my free annual credit report from Equifax. They are refusing to provide it unless I submit my w2, copy of drivers license, copy of utility bill etc. 
My name, address and social security number hasn't changed in XXXX years and I request a copy of my credit report each year for the last XXXX years. Equifax is just trying to make it impossible for me to get my free annual credit report without hassling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX {$240.00} I challenge the accuracy, compliance and reportability of these listings.

There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: Ascension Point Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, I received a phone call from AscensionPoint Recovery, LLC at XXXX. I missed the call and returned it at XXXX on XX/XX/2022. When I spoke to someone, they asked if I was the " executor '' of my step-father 's estate, XXXX XXXX XXXX I am NOT, but told them that I was his step daughter. I confirmed his date of death, and they stated they were attempting a probate collection for his XXXX 's XXXX XXXX. This card is being paid as agreed, by my mother, XXXX XXXX, XXXX XXXX 's wife. AscensionPoint called me as a " relative '' and tried to get me to pay the {$900.00} remaining balance by threatening a lien on my mother 's home ( which I do not live at ), and threatening to put this debt on MY CREDIT REPORT. How they received my information is a mystery, and why they are attempting to collect on a debt that is already being taken care of, is against Florida Statute. They are also in violation of Fla. Stat. Ann. 559.52. Pursuant to Florida Law, I am asking for a {$1000.00} resolution to their violation to be paid immediately, or I will file a formal lawsuit against the company, where legal remedy will be much higher!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-29
Company: EQUIFAX, INC.
State: TX
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:
On XXXX I sent a document to Equifax Requesting proof that they had verified several accounts on my credit report prior to reporting the information. Since that time I have sent 2 additional requests for this data, which they have not provided. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Please direct Equifax to promptly remove the unverified items from my credit report. 
Thank you very much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Focus Holding Company
State: OH
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:
Hello, I am hoping to resolve an outstanding collection pertaining to an equipment charge for which XXXX XXXX billed me in error. XXXX XXXX acknowledged the oversight in the amount of {$140.00} and adjusted it. By that time however it had been turned over for collection to XXXX XXXX XXXX XXXX XXXX ( Ref # XXXX ). Having made no attempt to verify the status of the debt with XXXX, XXXX is insisting that the debt is valid after I made them aware of the oversight. Having obtained no help from XXXX, I filed a debt dispute with XXXX Apparently XXXX directed their inquiry to XXXX rather than XXXX, the original debt holder. Consequently XXXX is saying the debt is valid based on the outdated information supplied by XXXX. In order to resolve this matter, XXXX XXXX the original creditor needs to be contacted as the matter was resolved directly through them, but neither XXXX nor XXXX will apparently do so. 

Particulars : XX/XX/XXXX XXXX turned over a debt in the amount of {$140.00} that had been incorrectly billed to my XXXX account XXXX for equipment that had actually been returned but got lost on their end. 

XX/XX/XXXX XXXX adjusted the balance of account XXXX to XXXX and advised that the collection agency would be contacted. I continued to get calls from XXXX and contacted XXXX once more who again verified that the matter was resolved and told me to ignore the collection agency but if they persisted provide them with reference number XXXX. 

XX/XX/XXXX through today. I contacted XXXX to advise them of the resolution and provided them with the reference number provided by XXXX concerning the resolution. When XXXX failed to investigate and resolve the matter I contacted XXXX and requested their assistance ( File Number XXXX ). 

XXXX 's response to my request to investigate was to contact the current account holder listed as XXXX XXXX XXXX and declare the debt valid. After the first time they did this I contacted XXXX and asked that they contact XXXX the original debt holder who can confirm the debt as satisfied. For the second time they contacted XXXX XXXX XXXX  formerly known as XXXX XXXX XXXX XXXXthe current debt holder rather than XXXX and have again declared the collection valid. 

XXXX has and continues to show the adjustment of the {$140.00} however neither the XXXX XXXX XXXX ( aka ) XXXX XXXX XXXX XXXX XXXX nor XXXX appear to be willing to verify the matter as closed and my credit score is continuing to be adversely impacted. 

I am requesting the assistance of an objective 3rd party to act as a liaison to cross reference the information with XXXX. Only then will it be possible to confirm the debt as closed so that the misinformation now showing on my credit report may be removed. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Affirm Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a credit account with AFFIRM. The account is verified by your mobile phone number. I got a new cellphone with a new mobile phone number. When I tried to access my account to manage my payments with the new phone number, it instructed me to submit the new number and wait for an email to verify my identity with a picture of my ID front and back. I followed the procedure and never got the email. I called 3-4 times and changed the phone number over the phone and each time, they verified my identity over the phone, took my new phone number and told me to wait for the email that would link me to send a photo of my ID. Its going on two months now, I just called again and nothing had been done, I verified my email and identity again over the phone and was told to wait another 7-10 business days. I am blocked out of my credit account. My payments are set up automatic thru my bank and I have no idea what has been paid off and the auto payments keep coming out without my access to the AFFIRM account to manage my account. I believe this is FRAUD and done deliberately so I won't be able to know where my auto payments are going and to which loan it is being applied. I am not going to wait another 7-10 business days to call again and get the same run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Recovery Management Solutions LLC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have several back to back phones calls daily from this company. Then some how they got a company phone number that would not have been listed on any loan applications. I spoke with a lady here a requested that she not call my company phone and to refer all matters to XXXX XXXX XXXX. Then after a few days go by once again they called my company phone harassing me at my place of employment. I requested all information regarding this and I have only received a letter saying I owe money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: EQUIFAX, INC.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: EQUIFAX, 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 file a complaint with the federal Trade Commission over a issue that has been on going since XX/XX/2018 I need my credit report update properly for the third time with all 3 credit bureaus XXXX XXXX, Equifax, and XXXX. Please see attached complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
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:
On XX/XX/2020 I went to XXXX XXXX XXXX  in Downtown XXXX XXXX to start an application to refinance my home. After reviewing my credit I was denied immediately because of negative information on my credit. I did not apply or ever authorize any of these accounts to be opened under my name. I have never received or used any of these credit cards. I have never bought a vehicle from 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 2020-02-25
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:
THIS IS THE 3RD TIME I HAVE HAD TO COMPLAIN ABOUT THIS ISSUE OF FRAUD ON MY CREDIT FILE!! MY NAME IS XXXX XXXX XXXX MY DOB XXXX MY SS # XXXX THERE IS SEVERAL FRAUDULENT ADDRESSES ON MY FILE PLEASE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX OH  XXXX XXXX XXXX XXXX XXXX OH  XXXX XXXX XXXX XXXX XXXX OH  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MI  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I was going to buy a car and I pulled up my XXXX XXXX, Experian  and XXXX  credit report found XXXX XXXX # XXXX, XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX Fraud Student Loans that were not open by me nor did I give anyone permission to use my name to take out a loan. I found addresses that do not belong to me as well on 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 2020-08-31
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX  XXXX {$2100.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX {$89.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$690.00} XXXX XXXX {$980.00} XXXX   XXXX {$1400.00}

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 2021-06-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I Am a PROTECTED CONSUMER ( XXXX XXXX XXXX. I know my rights. I sent all the credit reporting agencies an official statement on XX/XX/2021 letting them know these accounts were fraudulent and inaccurate, and they were supposed to block or remove after 4 days of receiving. to this day XX/XX/2021, these inaccurate accounts are still reporting on my credit report. I feel as If my consumer rights are being violated, and I hope the CFPB can remedy this situation. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts.Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
I had a Merrill Lynch credit card issued by Bank of America closed without my knowledge in XX/XX/XXXX. This card was first opened on XX/XX/XXXX. At the time there was a bonus offered after a certain spend requirement was met. I reached that spend and was awarded over XXXX points plus the amount spent which was another {$3500.00} i believe. 
On XX/XX/XXXX i was looking to book travel with these points only to find out the card was closed and all points earned were gone without my knowledge again. 
I immediately called Bank of America and spoke to XXXX who told me the account was closed due to inactivity. I told him i was never made aware they were going to close my account. I told him, Why would i let Bank of America close my account without using my points. 
He told me a letter was sent out on XX/XX/XXXX informing me to use the card or it would be closed. I never received this letter and had no knowledge this was happening. Again, i would have used these points if this was the case or put a charge on the card. 
I would like help in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25
Company: EQUIFAX, INC.
State: NV
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:
These items listed are not my accounts or I did NOT authorize these companies to pull my credit. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
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 is missing that should be on the report

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Ocwen Financial Corporation
State: DC
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: Public record information inaccurate

Complaint:
On my report saying I have a XXXX  XXXX  showing up a as XXXX   inspection violations.Showing up I owe landlord that have been paid off. A lot of incorrect information on my report that rental company pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Experian Information Solutions Inc.
State: AR
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:
Recently a few weeks ago I submitted an identity theft report containing fraudulent established accounts that were reported on my XXXX, Experian, and XXXX  credit file. As of today I received a response from Experian and XXXX in regards to my dispute with several of the fraudulent accounts still displaying on my credit file. Experian and XXXX  both have violated the Fair Credit Reporting Act as well as my rights as a consumer by continuing to report these fraudulent accounts on my credit file. Under section 605b, the fair credit reporting states accounts established due to identity theft must be blocked by the bureaus within 4 days of notification from the consumer. In addition Experian or XXXX  failed to provide 100 % accurate verification on how they verified the fraudulent accounts that are still displaying on my credit file. XXXX  has failed to respond to my dispute.

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 2020-02-25
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Debts a result of identity theft that happened in XX/XX/2019. Police report was filed and taken to the creditor, which was then given back and marked as not needed. Account was then sold and additional fees were added. I told both the debtor and collection agency the accounts were compromised and they will not stop harassing me. Making threats to have a lawyer sue me. Spoke with police after paying back most of the funds and was told to stop making payments.

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