BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-21
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is reporting  XXXX  separate  XXXX    XXXX   accounts in my name in  XXXX , Texas.     I and my husband have lived in Nevada and I am attaching property records from  XXXX  County of the home we live in currently since   XXXX  .     I have never done business with  XXXX  and this information needs to be removed as  XXXX  has not responded to me with proof that these accounts are mine, no papers with signatures or photo  IDs .     Why there are  XXXX  accounts opened on the same day is beyond me and why they would allow that is also beyond me when they should have pulled a credit report and would see that I live in Nevada.     Please instruct the  Credit Reporting ag ency to remove this from my credit report immediately.     Regards,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX Balance : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$550.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$320.00} ; XXXX XXXX  Date of XXXX XX/XX/2020 ; XXXX & XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX  Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX  Date of inquiry XX/XX/2020 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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 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 2021-07-12
Company: EQUIFAX, INC.
State: DC
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my wife and children.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Central States Recovery, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Central States Recovery called me this morning regarding outstanding medical bills. I asked for the date of services and whether they had been submitted to insurance. She replied she didn't know if they were submitted to insurance and that I would need to contact the client. She said she had mailed the debts to me but I had never received them. I advised her that I was in an active Chapter XXXX bankruptcy and she would need to contact my attorney. She told me know it was not their job to contact my attorney and they did not need to contact them. I got pretty upset because I knew she was violating my rights and said a few choice words.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: VA
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 appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX  XXXX Balance : {$860.00} ; XXXX XXXX  XXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX {$1300.00} ; XXXX XXXX XXXX XXXX {$2300.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: CADENCE BANCORPORATION
State: GA
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:
On XX/XX/16, my account was erroneously charged with a {$170.00} charge that appears in my account as : AC-XXXX XXXX XXXX -GA XXXX XXXX XXXX XXXX. 
I went into Cadence Bank, where the account is held, to dispute the charge in writing. 

As of this date, XX/XX/2016, I still do not have my funds returned and have not gotten any resolution. 

In XXXX, this happened - same AC payee info, I went into the bank to dispute, and the funds were returned. Unfortunately, the account got hit again with no safeguards even though I was assured this would not happen again. 

We do not pay our taxes out of this account, do not have our epin tied to this account and do not owe any GA taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$860.00} ; XXXX XXXX XXXXXXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX {$1300.00} ; XXXX XXXX XXXX XXXX {$2300.00} ; XXXX  XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I AM DISPUTING XXXX REPORTING. 
I have a collection on my report from Portfolio Recovery Associates on XXXX. The account is not mine and it was closed and removed by Portfolio Recovery Associates on XXXX other credit agency but not on XXXX. The credit card charges are from XXXX XXXX. 
Portfolio Recovery Associates were supposed to make sure that that account will be removed from all credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
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: Their investigation did not fix an error on your report

Complaint:
I went to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in XXXX, Florida for medical services. I had XXXX XXXX XXXX, and they paid the bill for that date of service. I received a call from a person saying he is a doctor and he asked me to pay a bill of {$350.00}, but I did not believe him because I have never received a call from an actual doctor about a medical bill. I thought it was a scam. On about XX/XX/XXXX I received a written bill from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX. I then called XXXX and explained what happened about the written bill, and XXXX researched the date of service bill and told me the bill was paid in full. I was good because XXXX the billed was paid and I had no responsibility to pay anything except my {$30.00} co-pay, which was already paid. I had to pull a credit report in the last quarter of XXXX, and that is when I actually looked in detail at my credit report and at that time I had a debt collection on my credit report from XXXX XXXX XXXX XXXX via XXXX XXXX. I called XXXX and they sent me a letter of no responsibility for me and summary explanation of benefits claim/s to send to Experian along with my statement that I was not responsible for any charges and all of the bill was paid according to XXXX XXXX and XXXX agreement. Experian would not accept my proof, so I sent all the same information to XXXX XXXX XXXX XXXX, they would not accept my proof. I called XXXX XXXX again and they got involved. They communicated with XXXX XXXX and XXXX XXXX. XXXX called me at the end of their investigation. XXXX said the billing department who filed this bill in the first place made the error and used my social security instead of my husband social security number, therefore I got charged personally instead of the correct way, charging my sponsor husband. Experian still will not accept this proof and the incorrect debt collection is still on my credit report, wrongly! When you may have no actual money, good credit goes a long way. I have filed 3-5 times with Experian disputing these charges. The charges was {$270.00} $ {$72.00} for a total of {$350.00}. I want rightfully this debt collection removed from my credit report. The mistake belongs to the billing department, not me. They should own up to it, but Experian will not budge even after XXXX XXXX XXXX has release me from their agency and provided Experian with no responsibility proof and debt collection release. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 2022-07-20
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 belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX  XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/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 4 business days after the date of receipt.

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 2017-04-14
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Commenity Bank purposely uses an " unknown '' number to harass people. They call starting XXXX, and they call nonstop throughout the day. I can not block them because they use a private number deliberately. 
They also try not to identify themselves on the phone so as to " trick '' the customer into identifying themselves first.Their business practices are harassing and unethical, and they need to be put out of business. 
I do not owe the money they are calling me about, and they have not even contacted me by mail so that I can properly dispute the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 these has violated my rights. 
15 U.S.C 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681 s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item 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. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY 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 2022-07-20
Company: PNC Bank N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX, I brought a copy of a check for XXXX XXXX cookies that had cleared the bank for {$550.00}. This check had been altered to make it payable to someone who had died months before, and the original amount was changed from {$50.00} to {$550.00}. 

As of today, the funds have not been returned to my account. 

Ive followed up with my bank about reversing the fraudulent check & was told the there is no time frame for resolution because the bank of first deposit is the liable party for the reimbursement, and they have an unlimited amount of time to respond to the request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent three letters asking them to remove, these unverified and inaccurate accounts of my credit report. I sent one each month over 31 days apart.

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 2021-07-12
Company: EQUIFAX, INC.
State: SC
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
Up until  XXXX   XXXX , I was paying down a balance on my AmEx card, plus paying the interest and my current charges. The month after, I noticed my balance going higher and higher. My interest rate also doubled and I am told it is because I am only paying a portion of my charges. This is untrue. Customer service refuses to help, and is even rude. I 've had my card since  XXXX  and never missed a payment. This happened 6 years ago and I thought it was straightened out. Now I really do believe they have 'creative and illegal bookkeeping practices.   Please look into this.   Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: Checkr, Inc
State: DE
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 is incorrect

Complaint:
A backround check conducted by checker has incorrect information. Causing me to no longer be employed. This information has jeopardized me financially. This is the only reporting agency with said information.

Company response to consumer: Closed with explanation