BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: CA
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:
This account states date opened XX/XX/XXXX No data provided for this account in since XXXX of XXXX to XXXX of XXXX. 

THEN ALL OF A SUDDEN OUT OF NO WHERE STATES THIS ACCOUNT IS IN COLLECTION OF XX/XX/XXXX. 

THIS ACCOUNT IS OUT BY TIME XX/XX/XXXX IS THE 7 YEAR DROP OFF MARK. 

IN ADDITION, THIS IS NOT MY ACCOUNT! 

PROOF MY ACCOUNT PROOF STATUS OF ACCOUNT PROOF WHY THIS ACCOUNT ISN'T DROPPED OFF AFTER 7 YEARS OF BEING ON 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 2020-07-30
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have previously filed dispute for the following items as I have no knowledge of these debts. 

XXXX XXXX for {$360.00} Not my account, received no correspondence validating this, as well as how it was validate, with whom, the amounts supposedly validated or the dates of such charges. 

LANIER COLLECTION AGENCY for {$210.00} Not my account, received no correspondence validating this, as well as how it was validate, with whom, the amounts supposedly validated or the dates of such charges. 

LANIER COLLECTION AGENCY for {$71.00} Not my account, received no correspondence validating this, as well as how it was validate, with whom, the amounts supposedly validated or the dates of such charges. 

LANIER COLLECTION AGENCY for {$86.00} Not my account, received no correspondence validating this, as well as how it was validate, with whom, the amounts supposedly validated or the dates of such charges. 

LANIER COLLECTION AGENCY for {$170.00} Not my account, received no correspondence validating this, as well as how it was validate, with whom, the amounts supposedly validated or the dates of such charges. 

I have never received correspondence from either of these companies detailing or validating the debt, that this debt is mine, whom it was validated with, the dates validated, dates of each charge ( s ), supposed amounts owed, or documentation with my signature showing this debt. Instead each of these companies have placed negative inaccurate information on my credit in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am at a loss of words. My credit reputation is being tarnished by this huge mistake on my credit report which is completely false and misreported. Transunion is reporting this record mistakenly on my credit report. The record is also incomplete, which is also another reporting violation.

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 2023-11-10
Company: Key 2 Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX did not provide quality product or services as agreed upon originally. Also, did not disclose all terms upfront in original agreement. Specifically, that some courses require proctor services that the student is responsible for paying not the institution. These are services they are imposing why is the financial responsibility on the student? If XXXX would have disclosed this upfront I would not have continued there. Then charged lates fees on to the amount owed to ultimately increase the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: MT
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:
Hello, I am writing to inform you that the debt from XXXX XXXX XXXX is not my debt. The debt from the company they bought the debt from was a fraudulent account. I have spoken to XXXX XXXX XXXX and they agreed to remove this account from my credit report when spoken to them about this account. They have been harassing me instead. Please remove this account from my credit report. Thank you. If this account is not removed asap I will take legal action against credit reporting company 's and XXXX XXXX XXXX. I will be asking for maximum amount of monitery relief allowed for neglecting to solve my issue that have resulted in major setbacks in my business and personal life due to this fraudulent account!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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 act XXXX Account # 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 ( XXXX XXXX XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-12-12
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:
This inquiry was made not with my knowledge. I have filed a FTC Identity Theft report so both inquiries need to be removed from the 3 credit agencies under the 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested If the inquiries arent removed. I will take legal action as I have my identity theft report from the FTC as well. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I had been diagnosed with XXXX XXXX in XXXX. I was receiving treatment and paying my bills as they would come. I fell behind on the larger bills that were a product of XXXX, Procedures .... etc. I began to receive phone calls from the same number every day for a couple of months. They would leave a message each time stating their name and that they work for PMS Progressive Management systems Collection agency XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I was not aware of any outstanding debt that was actually sent to a debt collector. I finally called them about 2 months ago to figure out what was going on after my credit report had been hit two separate times for unpaid medical bills. I was confronted with a zero-tolerance attitude towards working with me and possibly settling the debt with a lower number. I simply can not afford to pay the full balance at once or over time with my current auto-pay for my other XXXX bills. PMS told me they are not allowed to settle and threatened to continue hurting my credit unless the balance was paid in full. I requested a document to be mailed that explained in an itemized list what I owed in full due to the balance changing every time I called. The document that eventually showed up was a spreadsheet with random numbers on it that did not match up to what XXXX XXXX had sent with my remaining balances. I just recently received an additional letter from XXXX XXXX. XXXX XXXX XXXX of PMS that stated " It is necessary that you immediately send payment in full or contact me at once to conclude this long-overdue account '' The format once again for this letter was suspiciously formatted and had a threatening tone. This situation has caused me great stress and trauma and I am seeking mental health treatment as we speak. This company has repeatedly taken a threatening tone with me never truly explaining to me through an itemized receipt what is actually owed. XXXX XXXX was completely out of line to send this last letter and I feel like I am being bullied/backed into a corner with no way of continuing my XXXX treatment and paying this company so they can make a profit from my 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 2020-07-30
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Nationwide Recovery SV has 2 Medical bills listed on my credit report that do not belong to me.

Enclosed are 2 attachments with the erroneous account information. As well as a copy of my complaint that I sent to Nationwide Recovery Sv.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-10-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax not only was unwilling to look into the inquiries that were a direct effect of having been the victim of identity theft caused by XXXX County Department of XXXX XXXX XXXX and their negligence resulting in a data breach and my birth certificate being stolen out of their file for my case with them. Also I had to pay out of pocket for this document to be replaced and still haven't been recompensed. 

But also my birthdate and social security number weren't correct in Equifax XXXX database.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: SC
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:
Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX, 2023 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of : ( 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.

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 2023-01-09
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:
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 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 XXXXXXXX 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 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. 1681s-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 2023-03-02
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These companies obtained my report without my consent or knowledge XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX. XXXX ) XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX. XXXX ) XXXX 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

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 2023-10-17
Company: EQUIFAX, INC.
State: FL
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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I open my account with Chime in XX/XX/1922. I have been banking happily with them the entire time I had not received any warnings or any feedback that my account could be closed all of the sudden and without warning chime shut down my account. I can not access my financial history and records in terms of payment. My account was closed on XX/XX/XXXX of this year. What did I do? Why cant I access my information anymore? Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
attached is the CERTIFIED MAIL FROM USPS XXXX. Equifax is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am filing a complaint because my credit card was canceled because of inactivity, and I never received a notification prior to the cancellation. 

This is so unfair when a consumer has a 100 % payment history and because of inactivity Regions closes my credit card without any notification. Regions Bank has no clue as to why the credit was not being used. 

I also want to complain about XXXX XXXX that lowered my available balance excessively because of no activity, but at least they did not close the account. My credit score was lowered by XXXX  points because of this action by XXXX XXXX.

Therefore, my credit score will go down again because of a closed account. I could see the account being closed for non-payment, delinquent payments, etc., but to be closed because of inactivity is ridiculous. 

This definitely is NOT THE AMERICAN DREAM!!!!!!!!!!! 

I would appreciate a response regarding the above issues and concerns. 

Regards, 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