BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-17
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed an amount that was showing on my credit report under Franklin Services inc. I have informed them that the person they are looking for a different person with a similar name as me. I have disputed it with the collections agencies such as XXXX, and the others. Many people at Franklin Services have stated that their records show that I disputed the amount and that it was going to be deleted. I have asked for a confirmation and updated on this, as I have continued to receive mail and other information after the dispute I submitted. They have informed me that they do not send out letters confirming this as per my request and have hung up on me multiple times. I have asked to speak to a higher person and they change the names and before giving me phone numbers, hang up on me. They also give me information at the beginning confirming everything Im saying and then go back and say they never said that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 checked my personal credit report, which I acquired from your organization on Equifax Report XX/XX/2023 and I noticed that this Inquiries had been made

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My infomation was stolen and used in attempt to open fraudulent accounts. my information was also exposed in 2 recent data breaches XXXX  AND XXXX XXXX BREACH.

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 2018-12-05
Company: Innovis
State: NV
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:
Innovis is reporting opened date and payment history in these accounts wrong, since this is inaccurate reporting please have them removed from my credit report. XXXX XXXX XXXX XXXX and XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I lived in an apartment complex about 2 years ago. After leaving in XX/XX/XXXX I made sure to clean the apartment before moving away. Being the young XXXX XXXX  that I was I forgot to take pictures of the condition after leaving. I did not hear from the apartment complex managers ever again. Fast forward 2 years, at the end of XX/XX/XXXX I was contacted by Mr. XXXX of XXXX XXXX claiming we still owe damage fees XXXX in total for the apartment we lived in 2 years ago. He reached me through a phone call. I still kept the same number I had 2 years ago. After exchanging emails I asked for a few documents to confirm the damages. He provide a few documents, but no time stamp photos of the damages. After weeks of asking for time stamp photos to verify the written damages he stated that his computer caught a virus years ago and the photos were erased during fixing the computer. After that time I wrote Mr. XXXX an email stating that under California tenant laws states that a landlord must request the payment of damages within a timely manner. Seeing that it has already been almost two years after my move I believe this " timely manner '' had expired. With the time stamp photos I would have no way of believing these damages were caused. I also stated that Mr. XXXX had the means to contact me with a call years ago, but it was his fault he had forgotten about these fees. He had also admit that he forgot the fees and after going through old paper work found them. About a week after this email he sends me six photos that are supposed to be of the apartment I lived in. These photos were not time stamped and when I asked to see more photos of the apartment he did not respond on XX/XX/XXXX. After that day he sends me a new email stating that he will be sending me to collections and needed my address. I was not comfortable giving that information at that time and asked if it was able to email me this paper. He stated no, he was not able to do so and somehow knew my address and asked if that was it. Being a little shocked that he knew where I lived I asked to be emailed the papers. XX/XX/XXXX I come home from work and found the collections paper from Mr. XXXX mailed to my home. I will attach all information that was given to me by Mr. XXXX below in the attachments.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a a unverified account from PORTFOLIO RECOVERY # XXXX # XXXX,. I had previously disputed this account. I have never done business with PORTFOLIO RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PORTFOLIO RECOVERY. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PORTFOLIO RECOVERY # XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$48000.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXX Balance : {$2900.00} 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  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17
Company: EQUIFAX, INC.
State: NJ
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Experian Information Solutions Inc.
State: AZ
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 filed a XXXX XXXX bankruptcy on XXXX of XXXX that was completed shortly after but I have a creditor desert financial that has posted charge off and late payments on my Experian credit file from XXXX of XXXX all the way up to XXXX of XXXX it personally as well as a credit repair have tried to get this removed to no avail it is blatantly false information put on intentionally it was just recently put on when I hired a credit repair company I've attempted dispute and neither Experian or XXXX XXXX will remove the false information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/XXXX, I called the credit card company to make a payment, and indicated to Chase that I was having financial struggles and it was difficult for me to make the monthly payments. Chase suggested for me to sign up for the balance liquidation program. Chase indicated all I had to do was close the account and pay {$45.00} per month. From there I have been paying {$45.00} each month from XX/XX/XXXX to XX/XX/XXXX. Chase Card services had contacted me several times during XX/XX/XXXX to tell me that my account was past due and that I owe {$45.00} to make it current. I had told Chase I kept my end of the agreement and if they are telling me i owe then they had not kept their end of the agreement. Their reply was I had missed a payment, From there I had said I have my bank statements that say I have paid {$45.00} each month from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2023 I wrote a letter to the Credit Reporting agencies asking them to update incorrect names, addresses, phone numbers and any employers on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Experian continues to report 4 old account that are affecting my credit score.  According to New York State Law these were supposed to be deleted already. 

25 Section 380 -j ( b ) ( 3 ) ( f ) ( 1 ) ( iv ) : ( f ) ) ( 1 ) Expect as authorized under paragraph two of this subdivision, no consumer reporting agency may make any consumer report containing any of the following items of information, ( iv ) accounts placed for collection charged to profit and loss which antedate the report by more than seven years, or accounts placed for collection or charged to profit and loss, which has been paid and which antedate the report by more than 5 years. 

XXXX XXXX XXXX XXXX ( already deleted from XXXX and XXXX  ) XXXX XXXX XXXX XXXX XXXX/XXXX XXXX  XXXX ( already deleted from XXXX and XXXX ) XXXX/XXXX  XXXX ( already deleted from XXXX  and 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 2023-07-16
Company: EQUIFAX, INC.
State: MS
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX  - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05
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: Information belongs to someone else

Complaint:
These accounts seem for me like fraud accounts because they are not mine but they appeared in my profile. How you can explain it? I think I am victim of identity theft because I am not connected to these items at all. I do not understand what to do in this case honestly, is there any solution how I can get rid of them? Its not fair that I have these fraud accounts in my credit report. the score is damaged as well as my financial life. Could you please start investigation and figure out what's that? I hope also these items will be removed soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am addressing this issue once again, I have tried numerous time to reach out to Capital one agent XXXX at XXXX XXXX. I have not received a response to resolve this. I went to XXXX XXXX XXXX XXXX & Spoke with the XXXX XXXX. We Reviewed the charge in dispute which is on XX/XX/2022. We both agreed that the charge is NOT Valid. XXXX said she will put in a request to Capital one for a reimbursement to my account & that I should reach out to notify Capital one which Ive tried to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: CARD Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Up on the date XX/XX/2021 I contacted XXXX to try to confirm why my finances were suspended from me for my safety when I finally got in contact with customer service they then told me I would have to upload documents proving I was who I say I was to confirm my account suspension after uploading every document of verification that I could possibly and uploading screenshot myself personally I was told that it wasn't enough verification so I continue to call an email email and call until finally I started researching in Reading the term an agreement onto researching on the web other ways to get into my account funds that research led me to emailing you guys for help to free up how to get unsuspended to me almost XXXX XXXX to be exact XXXX XXXX in something around about that amount

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 Sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. I have also attached the letter I sent out and here is the Tracking #. 
XXXX and XXXX. 

According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

I have attached the updated credit reports still with inaccuracies across the bureaus after these items were verified according to the law. 

Accounts : Account Name : XXXX & XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2022-01-17
Company: Experian Information Solutions Inc.
State: IN
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-17
Company: EQUIFAX, INC.
State: IN
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These accounts seem for me like fraud accounts because they are not mine but they appeared in my profile. How you can explain it? I think I am victim of identity theft because I am not connected to these items at all. I do not understand what to do in this case honestly, is there any solution how I can get rid of them? Its not fair that I have these fraud accounts in my credit report. the score is damaged as well as my financial life. Could you please start investigation and figure out what's that? I hope also these items will be removed soon.

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