BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-01-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I wish to lodge a complaint regarding the debt collection practices of Portfolio Recovery Associates. I  am a victim of identity theft and I recently learned that my personal information was used to open three accounts ( original creditor appears to be XXXX XXXX ), but Portfolio Recovery Associates is reporting the information on my credit file as collection/charged off accounts ( totaling {$2800.00} ). I did not open or authorize these accounts, and on XXXX XXXX, 2016, I sent a letter requesting Portfolio Recovery Associates to validate/delete disputed items from my credit report as well as to temporarily remove these items from my report during the investigation period. As of this date, Portfolio Recovery Associates have failed to respond to my request, however, it continue to report the accounts to all the three credit bureaus.

In addition, a representative of Portfolio Recovery Associates called my house recently and told my son that I owed a debt and if I did not pay the debt immediately, my possessions would be seized. This is definitely a violation, as I dispute owing the debt and there is no court judgment against me that would allow my possessions to be seized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
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:
I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions.

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 2020-06-23
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:
I was at the XXXX dealership and when they ran my credit to see what bank would approve me for the loan I was told that I didn't qualify without a co-signer due to an account reflecting badly on my credit history. The account is from XXXX  XXXX XXXX with negative payment history with a credit limit of {$2500.00}. This account is not mine and I didn't give anyone permission to open this account on my behalf. I'm not sure who is responsible for opening this account ; I did not benefit anything from it being opened in my name such as money, goods, services or any other benefit and I did not take part in any purchases or payments made towards this account. I have already filed a police report regarding this unauthorized account.

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 2022-02-03
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 is violating my rights under the Fair Credit Report Act. Experian has XXXX XXXX XXXX XXXX XXXX three accounts XXXX XXXX XXXX reporting a past due balance and late payments. This is violating against my rights under the FCRA. I have disputed this account multiple times. They are still not fixing the inaccurate 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 non-monetary relief
Consumer complaint received 2019-05-02
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My father purchased a car for me back in XXXX. We opened a car loan with XXXX XXXX XXXX. My father died in XX/XX/2006 and while putting my name on the car loan and removing his name, they marked us both as deceased. I now have no credit score through Equifax. I have tried filing disputes through the agencies and the information comes back as " in good standing and correct. '' I have tried calling XXXX and after several months of them trying to un-archive my account, I was told my name and information had been deleted from their database. They did not fix their issue by marking me as " living '' but deleted me entirely. Now when I call, they can not locate me or my case. I can not get a loan, a credit card, basic utilities in my name due to this mess. I have contacted a lawyer who didn't want to touch the case. What do I do? 
Thank you! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
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:
On XX/XX/2021, XXXX XXXX XXXX appeared on my report with a balance of {$12000.00}. I submitted a report with CFPB case number XXXX and received the attached report from XXXX XXXX XXXX with no record of the account.

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 2022-02-03
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:
New Information This communication is to inform Equifax to PLEASE STOP FRAUDULENTLY LABELING MY PERMISSIBLE REQUEST AS " DISPUTES '' I understand Equifax is NOT a bureau nor is it backed by any government agency. I am aware that Equifax is in fact a consumer reporting agency that has assumed, not given, a vital role in assembling and evaluating consumer credit and other information on consumers. 

Under these circumstances, I am aware that pursuant to the FDCPA and 15 U.S. Code 1681b - Permissible purposes of consumer reports, As a third party, Equifax MUST comply with my written instruction. I hereby DEMAND that all negative accounts, Late payments, Hard and Soft inquiries, Delinquencies, Charge offs, and additional information such credit limit/high balance, that were not verified or authorized by me XXXX XXXX XXXX in written format be DELETED IMMEDIATELY. 

Equifax continues to update my report with no proof of proper verification or investigation. If this matter is not resolved immediately I will be contacting the NY Attorney General regarding this matter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
TransUnion was reporting outdated information ( from XXXX 2017 ) regarding a XXXX XXXX credit card account for which I am an authorized user. My wife is the primary account owner. We contacted TransUnion and they advised that they had simply not received updated information from XXXX XXXX  and that we should submit a dispute. We were not advised that by submitting a dispute, TransUnion would delete / completely remove the account from my report. Removing the account was the incorrect action and not what I requested. The account was correctly showing up on my report, but the balance and payment information simply needed to be " refreshed ''. The removal of this account caused my TransUnion credit score to drop by over XXXX points, which has prevented my wife and I from being able to apply for a home loan. We requested to withdraw the dispute from TransUnion, but they advised that this was not possible and that the only way to resolve the matter would be for us to contact XXXX XXXX and request that they either call the " local TransUnion marketing office '' or submit a request to update. We submitted documents in writing to both TransUnion and XXXX XXXX requesting this. XXXX XXXX  advised that they can not call the marketing office and repeated efforts to request them to do so have failed. XXXX XXXX advised that they investigated out situation and sent over a request to TransUnion on X/XX/2017. TransUnion advised that upon receive such a request it would take 5-7 business days to update the information. However, I called today and they are now stating that they have NOT received any kind of request and that the only way to get the account correctly reinstated to my report is to have XXXX XXXX call the office ( which they refuse to do ). TransUnion is now also stating that there is a " technical error '' with my file / report and giving me the " run around '' each time I call. XXXX XXXX refuses to assist further.

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 2022-02-03
Company: ERNST, ARTMANN AND ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX AND AS XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


XXXX XXXX AND AS XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


AWA COLLECT XXXX AWA COLLECTIONS XXXX AWA COLLECT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

PROG MGT SYS XXXX PROGRESSIVE MGMT SYS XXXX PROG MGT SYS XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-27
Company: Experian Information Solutions Inc.
State: LA
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:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for this to appear in your credit file. The Credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report.

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 2019-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My name is XXXX XXXX XXXX my SS is XXXX address XXXX XXXX XXXX XXXX OH XXXX. My 2 CAPTIAL ONE accounts were closed without any remedy or resolve and it cut off my life line in my business. I had a few of my employees and co-workers on my account as AUTHORIZED USERS, I originally asked to have all of them remove before my account was placed on permeate restriction status without remedy or resolve. My account is my financial responsibility and not the authorized users have zero responsibility Capital One is currently reporting negative information on all the previous Authorized users credit reports please delete/remove the following AU : XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX AUTHORIZED USER XXXXXXXX XXXX XXXX XXXX  ... XXXX AUTHORIZED USER

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-29
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was asked to pay {$500.00} to settle this account. This happened in 2016. They are not getting anymore money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Rocket Mortgage, LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Rocket mortgage is making false advertising claims. Their TV ad claims that an approval letter from Rocket Mortgage is as strong as an all cash offer and puts you on the same playing field as cash offers. This is a lie. Furthermore they are targeting XXXX Americans with this advertising which is a predatory lending practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Just please make PNC Bank allow me to use XXXX. They've been trying to fix the problem for months and it PNC still hasn't relented. It's very inconvenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
XX/XX/XXXX I saw a new credit card in my online banking with Chase that I did not apply for. I called Chase immediately and they told me it had been opened that day via online. They took a fraud claim and advised me the account was closed and it would be removed from my credit report ( XXXX ). 

XX/XX/XXXX I received a letter from Chase stating they completed their review, determined I was not responsible for the credit card account, and would ask the credit reporting agency to remove this account from my credit report. 

XX/XX/XXXX I saw the hard inquiry from Chase from the fraudulent credit card still on my XXXX credit report so I called Chase. I spoke with XXXX who was completely unhelpful, told me he would email another department to see when the inquiry would be removed and I would hear back from them and he couldnt give me a timeframe to hear back. I also tried to dispute the hard inquiry through XXXX but they told me they dont handle inquiry disputes and to contact Chase Bank. 

XX/XX/XXXX Hard inquiry still on my XXXX credit. report So I tried to call Chase again. I received a recording saying they were not taking phone calls ( due to Covid ) but I could email them so I emailed them. 

XX/XX/XXXX I received a call from the Chase Fraud Dept. who told me to get the inquiry removed, I had to call their Credit Bureau Dept. at XXXX, XXXX EST, Monday-Friday. This rep told me to advise that dept. to check the notation on the fraudulent account from this rep. dated XX/XX/XXXX. 

XX/XX/XXXX or XXXX, XXXX As instructed by the Fraud Dept. at Chase, I spoke with someone in their Credit Bureau Dept. This rep stated she would resubmit a request to the credit bureau to remove the inquiry and would send me a letter in 7-10 days. 

I then received a letter from Chase dated XX/XX/XXXX stating that they asked Experian to update the XX/XX/XXXX inquiry to a soft inquiry and also encouraged me to review a copy of the credit report to confirm this update. 

XX/XX/XXXX I just got a new Experian credit report and the inquiry from Chase from XX/XX/XXXX is still showing as a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: National Credit Adjusters, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is regarding a debt collection attempt from National Credit Adjusters located at XXXX XXXX XXXX XXXX, XXXX, KS XXXX for the amount of {$1300.00}. 

I do not know this company. I have never done business with this company. This company does not have any documentation with my signature on it. I have been trying to dispute the debt with the credit bureaus for 2 years and below are the most recent times. 

On XX/XX/2021, I sent XXXX, XXXX and XXXX a dispute for a collection company XXXX National Credit Adjusters XXXX reporting on my credit reports. I received nothing back. 

On XX/XX/2021, I sent XXXX, XXXX and XXXX a dispute for a collection company XXXX National Credit Adjusters XXXX reporting on my credit reports. I received nothing back. 

On XX/XX/2021, I sent XXXX, XXXX and XXXX a dispute for a collection company XXXX National Credit Adjusters XXXX reporting on my credit reports. I received nothing back. 

On XX/XX/2021 I sent National Credit Adjusters a letter requesting information on the debt, they responded with a vague settlement letter on XX/XX/2021. 

I mailed a certified letter to the company requesting validation of the debt on XX/XX/2021, they signed for and received my letter on XX/XX/2021. 

National Credit Adjusters is reporting a collection account to my credit reports. They did not send a notice or provide an opportunity for the debt to be validated or disputed. They did not respond and continue to report the debt. 

This is extremely frustrating and stressful. I've been disputing with the credit bureaus for 2 years and the ONLY responses I've ever received from them was a letter telling me that the debt was verified but when I ask for a copy of that verification or how they verified this debt or ask for information on who verified it, I get nothing back and have stopped hearing from all three credit bureaus. I finally reached out to National credit adjusters since I have NEVER received ANY letter from them since its been reporting on my credit report. I reached out by mail in XXXX and their ONLY response to me was that I can settle the debt at 50 % off. I then sent them another letter asking them to validate the debt with proof and was ignored. No company should have this much power over an individual and be allowed to ruin their lives.

Company response to consumer: Closed with explanation