BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Gulf Coast Collection Bureau , Inc . 
XXXX XXXX XXXX XXXX, Florida XXXX Phone # XXXX or XXXX This company sent me a collection letter on XXXX XXXX. 
Reference # XXXX. 

The correct account number is XXXX ( XXXX XXXX XXXX ) XXXX bill was paid in a timely manner to XXXX and should not be in collection. Paid to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. 
I paid {$77.00} instead of {$76.00} on XXXX XXXX. The money order. 
# XXXX ( XXXX XXXX ) XXXX. This money order was mail from the post office. I will like for you all to delete these 2 paid debts from all 3 Credit Bureaus and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX in the amount of {$180.00}. Money order # XXXX on XXXX XXXX, account # XXXX. Both debts are paid in full, no balance due to XXXX XXXX XXXX XXXXXXXX FL XXXX. It looks like, due to incorrect account number, they systems are showing me as still owing the hospital. Otherwise, I should not have received another collection notice for balance due. Please stop all collection efforts. Notify the hospital that my debt has been paid. Please verify my balance from each Collection Agency that payments have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am interested in disputing all invalid data on my credit report with experian.

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 2018-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2017 I filed a complaint with Capital One, where it was discovered that my own father stole my identity and acquired three credit cards. Two of these cards were with Capital One. Capital One removed all references to these debts on my credit reports, and I assumed that Capital One would turn over the identity theft issue over to the Federal Bureau of Investigation. Now I receive a letter from a law firm known as XXXX XXXX XXXX, XXXX. out of XXXX, Florida. The debt is not valid pertaining to me, and Capital One knows the facts, they removed the accounts from my credit reports, and it is their responsibility now to pursue charges against my own father. I demand a retraction of this collection attempt, and for Capital One to purge any reference to my name and social security number immediately. The Consumer Financial Protection Bureau needs to see just how easy it is for law firms operating as collection agencies can ruin a person 's creditworthiness so quickly. I demand the purging of my information from Capital One and XXXX XXXX XXXX, XXXX. immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, 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:
This is my follow-up complaint about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
. 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
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:
XXXX, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XXXX   XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX   XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I just had a check deposit {$3000.00} to my account on XXXX and the fun available XXXX .after that day the chase bank closed my account without my authorization. All the fun in my account around {$3100.00}. I try to call them about it and no one try to give back my money. I need help with that money to able to feed my family, so I really need help. Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
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:
XXXX, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XXXX   XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX   XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATIONXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2017-05-05
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Three weeks ago I deposit  ed a check in branch. There was no immediate access to any of the funds ( not even {$100.00} ). The check was not deposited into my account until 7 days later.
No proper reason was given by Citibank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX acct number XXXX states that I owe {$1200.00} I donn know what this amount is please remove

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 2020-09-20
Company: Experian Information Solutions Inc.
State: ID
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:
On XX/XX/2020 I disputed an account with balance of {$3500.00} account number XXXX held by XXXX XXXX XXXX XXXX XXXX The original creditor was XXXX. 

No proof of this debt was provided, and thus they were required to remove the debt and stop reporting it. 

The debt was originally removed from my XXXX account but continued to show on the others, which should not have been allowed As of XX/XX/2020 I again disputed a charge from original creditor XXXX, currently owned by XXXX XXXX XXXX, account number XXXX with a balance of {$3500.00} ( XXXX dollar less no less, so reporting inaccurate amounts where they clearly dont have any idea what this debt is ) I have multiple items from XXXX on my credit report and no creditor should be allowed to report this on my credit as the debt was not verified, and I was never informed that debt was sold again. 

Please have this removed from all reporting locations and block them from illegally putting this on my credit again

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 2020-09-20
Company: EQUIFAX, INC.
State: ID
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:
On XX/XX/2020 I disputed an account with balance of {$3500.00} account number XXXX held by XXXX XXXX XXXX XXXX XXXX The original creditor was XXXX. 

No proof of this debt was provided, and thus they were required to remove the debt and stop reporting it. 

The debt was originally removed from my transunion account but continued to show on the others, which should not have been allowed As of XX/XX/2020 I again disputed a charge from original creditor XXXX, currently owned by XXXX XXXX XXXX, account number XXXX with a balance of {$3500.00} ( XXXX dollar less no less, so reporting inaccurate amounts where they clearly dont have any idea what this debt is ) I have multiple items from XXXX  on my credit report and no creditor should be allowed to report this on my credit as the debt was not verified, and I was never informed that debt was sold again. 

Please have this removed from all reporting locations and block them from illegally putting this on my credit again

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
On XX/XX/2020 I disputed an account with balance of {$3500.00} account number XXXX held by XXXX XXXX XXXX XXXX XXXX The original creditor was XXXX. 

No proof of this debt was provided, and thus they were required to remove the debt and stop reporting it. 

The debt was originally removed from my transunion account but continued to show on the others, which should not have been allowed As of XX/XX/2020 I again disputed a charge from original creditor XXXX currently owned by XXXX XXXX XXXX, account number XXXX with a balance of {$3500.00} ( XXXX dollar less no less, so reporting inaccurate amounts where they clearly dont have any idea what this debt is ) I have multiple items from XXXX  on my credit report and no creditor should be allowed to report this on my credit as the debt was not verified, and I was never informed that debt was sold again. 

Please have this removed from all reporting locations and block them from illegally putting this on my credit again

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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In accordance with the Fair Credit Reporting Account, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 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

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 2022-02-10
Company: SunTx Capital Partners
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Untimely response
Consumer complaint received 2020-09-20
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: Public record information inaccurate

Complaint:
As per the Fair Credit Reporting Act, all items older than 7 years and the bell for the seven years to start rings from the date of the first delinquency. 
A recent careful review of my credit report reviewed my credit report revealed this has not been done. There is old item on my report that I demand you remove at once in order to comply with the FCC. 

Bankruptcy : Discharged CHXXXX - XXXX Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/2013 Reference No. : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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:
See Attached Document Please. 
Traffic of Documentation Information that is adverse to me. Invasion of Privacy and False Statement.

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 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX, acct number XXXX shows that I owe them {$840.00}. I dont know who this company is and have never done business with them please remove

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 2020-09-20
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: Public record information inaccurate

Complaint:
As per the Fair Credit Reporting Act, all items older than 7 years and the bell for the seven years to start  rings from the date of the first delinquency. 
A recent careful review of my credit report reviewed my credit report revealed this has not been done. There is old item on my report that I demand you remove at once in order to comply with the FCC. 

Bankruptcy : Discharged CH-XXXX - XXXX Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/2013 Reference No. : 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 2020-09-20
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:
The balance on this account is not correct as this account as be Charge-OFF. As I can see the XXXX suppose have taken over the alleged debt. Therefore, how can there be a balance and this account is report differently on all 3 credit agencies.

Therefore, this account is inaccurate and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and sued. 


XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The balance on this account is not correct as this account as be Charge-OFF. As I can see the XXXX suppose have taken over the alleged debt. Therefore, how can there be a balance and this account is report differently on all 3 credit agencies. Therefore, this account is inaccurate
and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and sued. 


XXXX XXXXXXXX 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 explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
contacted credit reporting agency to inform them about incorrect information that is reporting on my file. reporting agency did not do the required due diligence to remove incorrect information on time. and they refuse to actually investigate and remove incorrect 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 2020-09-20
Company: Experian Information Solutions 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:
Experian did not investigate an account on my credit profile for XXXX XXXX XXXX XXXXXXXX this is not my accout and I have never had an account with them Experian did not invesstigate an account on my credit profile for Dept Of Education/ XXXX this is not my account and I have never had an account with them

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 2023-05-30
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was used fraudulently at an ATM while in XXXX XXXX and chase refuses to credit my for it. The amount was {$400.00} on XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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