BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-18
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:
This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Creditr Bureaus are required to remove any items which were 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. The items listed below were not mine : XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; Bankruptcy XXXX XXXXdischarged US BKPT CT FL XXXX Filed XXXX XX/XX/XXXX Reference number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/XXXX I sent etters into the three credit companies Transunion, XXXX and XXXX. I requested to have the copies of the original documents or documents used to verify the information that has been placed in my file by XXXX account number XXXXxxxx and XXXX XXXX account number XXXXxxx the companies have not given anything documentation as required by law under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I have also made many attempt online and over the phone to get this information and have not been successful.

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 2020-12-08
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
The accounts below are reporting incorrectly please investigate these : Bankruptcy Decree Chapter XXXX Account # Case # XXXX Child Support Account # Case ID # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX. Account # XXXX XXXX  Account # XXXX XXXX. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: GA
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, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: NRA Group, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX - XX/XX/XXXX {$660.00} {$290.00} -XX/XX/XXXX {$250.00} {$61.00} -XX/XX/XXXX {$150.00} {$120.00} -XX/XX/XXXX {$150.00} -XX/XX/XXXX {$150.00} -XX/XX/XXXX {$150.00} -XX/XX/XXXX {$150.00} -XX/XX/XXXX {$150.00} -XX/XX/XXXX {$150.00} -XX/XX/XXXX {$150.00} I sent a debt validation letter to XXXX XXXX XXXX via certified mail requesting that the company provide a breakdown of fees, collection costs and medical charges. I also requested that I be provided a copy of my signature with the provider of service to release my medical information to XXXX XXXX XXXX. To date, I have not received the requested validation of the debts and HIPAA authorization as allowed by the Fair Debt Collection Practices Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is a follow-up complaint to case # XXXX. This case is UNRESOLVED! Comenity has either reversed the credits or re-charged the account. 

I recently filed a complaint with your organization against Comenity Credit Card due to incorrect charges, including applied interest. In late XXXX and again in XXXX, Comenity responded to the complaint indicating that they investigated the situation and applied a credit to my account for the charge in dispute. After receiving the notice from Comenity indicating they applied a credit to my account, I logged into the Comenity online system to check my balance. At that time, I had a credit of XXXX XXXX  and some odd cents, and the account was closed so I was due a refund of that amount. I thought, finally, this nightmare is over. Today, XX/XX/XXXX, I received an email reminding me that I have a balance of {$780.00} on the account and I have a minimum {$30.00} payment coming up soon. I immediately called Comenity and spoke to XXXX different customer service representatives that could not tell me how I went from having a credit on this closed account to owing a balance of {$780.00}. I do NOT owe Comenity anything. It is frustrating that Comenity can continue to XXXX me with inaccurate charges and impact my credit if I don't pay. Any help you can provide is greatly appreciated. 

FYI, I have attached the notice I received from Comenity identifying the credit ( that was {$4.00} short of the actual charge ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-28
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
On XXXX a fraudulent transaction was executed on my Macys account. I received an email alert and immediately called Macys to stop the transaction and freeze my account. This did not occur. Repeated calls and paper work to Macys to address did not stop harassing calls, mail and being reported to the credit bureua.

The fraud department promised they would put the account on hold in XX/XX/2016. They did not, it is still not on hold. This is despite having to file a PAPER FORM THAT CAN ONLY BE OBTAINED AFTER THEY MAILED IT TO YOU!

I have spend more than 7 hours in one week alone holding for a fraud department that is NEVER available. More than 2 hours 47 minutes alone before being CUT-OFF!!!!

Macys account# can be provided at your request.

This is a systematic abuse of clients, to not provide clients the ability to get fraud rectified (fraud made possible by Macys lax purchase verification - no validation of a XXXX against personal ID - really??), and to keep account balances as valid debt when clearly it is a case of fraud. THIS MUST BE CASE OF CORPORATE FINANCIAL FRAUD. Reporting fraudulant debt falsely under FICA???

In addition Macys credit cards run by Citi bank, was then used to change my credit rating by Citibank.

- I am unable to reach Macys Fraud department
- The promises made by Macys fraud department was not implemented.
- Macy reporting my account as overdue while knowing it is under fraud investigation. This impacted my credit rating negatively
- Macys billing department can see the notes from the fraud department but is unable and unwilling to place the account on hold.
- I am unable to get hold of the fraud department.
- This cycle continues to deteriorate my credit rating

PLEASE HELP!!

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 monetary relief
Consumer complaint received 2017-01-12
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My name is XXXX XXXX the past year I was a victim of identify theft when I found out that I had mostly XXXX card opened under my name all from different located and some from different states in that time i contacted every banks that supposedly had approved the cards to be open all of them went into investigation and later on removed all of them but XXXX account were already on the way to a collection company called Midland Funding LLC or MCM Midland Credit Management , Inc address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX I called this company and they told me the information I would need for them to be able to proceed into a investigator from there part and for the accounts to be removed I fixed XXXX of those account of the XXXX I had now I only have this last XXXX from XXXX Bank they been sending me cards to pay this debt but I not gon na pay something I did n't approve and that I did n't open in Midland Funding card has XXXX account numbers to see this account or maybe information number of account original XXXX and the number of account with Midland is XXXX thank you for your help please I would to see how I can fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX {$180.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( 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 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
in accordance with the Fair Credit Reporting act, Transunion, XXXX and XXXX has violated my rights. 

15 USC 1692 ( B ) ( 5 ) 15 USC 1681 ( A ) ( 4 ) FCRA 623 ( A ) ( 6 ) ( B ) 15 USC 1681 ( A ) ( 2 ) FCRA 623 ( A ) ( 2 ) 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( 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. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it and address used to open account ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX REPORT NUMBER : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent dispute letters to  XXXX , TransUnion  &    XXXX   in regards to verifying the reported Bankruptcy  XXXX  account  Case  or ID #  XXXX .   XXXX   and Transunion has not responded on this dispute and it has been over 45 days.  XXXX  sent me a letter that stated that they verified the reported Bankruptcy through a  3rd party, which it is my understanding that this is a violation on my rights based on the current consumer protection laws. ( I have attached their letter ) ironically in that same letter they ask me to call the courts directly and confirm that the account is correct. So I called the bankruptcy clerk and they indicated that they do not confirm any account with any 3rd parties. Therefore, how is it that  XXXX  feels that they can use a third party and  not even be sure on the information they are reporting? It is not right and its unfair to me.

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 2022-07-18
Company: Designed Receivable Solutions, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A debt collection for over a thousand dollars appeared on my credit report with XXXX. I have never been to the facility that the debt originated from. 

I contacted the facility where the debt originated from, and they dont even have an account listed under my name. I told them about the debt collection on my credit, and I also submitted a copy of my identity theft report to them. I was told that they would contact the collection agency and have it removed. 

I attempted to contact the collection agency as well, and I also submitted my identity theft report to them. This collection account is still on my credit report, and they havent removed it. 

I filed a dispute with XXXX, and I also submitted my identity theft report to them. All they did was put a note on the account that I disputed it, but they didnt remove it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One has reported late payment on my credit card for the amount of XXXX USD as it appears on my credit history. This has greatly damaged my credit score. I have contacted Capital One to clarify what it means to have a late payment of XXXX  ( XXXX  ) dollar. 
In response they told me the information is correct and that I had a late payment for XX/XX/2020. 

I've check my statements and I see that I have made payments as following XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$24.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$90.00} In XX/XX/2020 I made above the required amount, so I could not have a late payment, yet my credit history as of today show 1 missed payment in XX/XX/2020 for the credit card ending XXXX for the amount of XXXX dollar. 
I have never had any missed payment in my life and this one miss payment ruined my perfect credit history. 

This makes no sense, how can one miss a payment of XXXX dollar.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX USAA confirms to collect a debt USAA temporary credits will REMAIN permanet. 
See attatched XX/XX/XXXX STATEMENT ONLY CREDITS {$340.00} ARE FROM MERCHANTS. USAA DESTROYED MY CREDIT TO COLLECT WHAT IS NOT OWED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit score recently went down XXXX points and the only derogatory item noted that changed is " Lack of Use of Credit Cards. '' My credit card usage is XXXX XXXX  after paying off all of my credit cards last year. I contacted Experian to inquire, and was told that they are not a licensed credit advisor, so they could not answer my question. XXXX for not using my credit cards seems like alot. How much would my credit score go down if I missed a payment? Additionally, I have a derogatory notation for length of credit history. My credit history is XXXX years. I am not sure how long is considered acceptable, but I would think XXXX decades are quite a long time. 
I guess my issue is if the credit bureau 's can't explain why someone's credit rating decreased dramatically, who can? They control the 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 2022-03-23
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This matter relates to a mortgage modification that was completed last year ( 2021 ). I had a ( 3 ) month trial period from the months of XXXX to XXXX for the amount of ( {$1400.00} ). After completing this trial, my lender ( Rocket Mortgage , LLC ) presented to me a modification to my current mortgage. My new fixed monthly payment for 40 years would be ( {$1200.00} ). I accepted these terms by signing the mortgage modification. From XXXX of ( XXXX ) to XXXX of ( XXXX ), all my payments were made on time for the amount of ( {$1200.00} ). For the month of XXXX, my payments increase over ( {$200.00} ) dollars. After several phone calls to this lender to get clarity on this situation, I was told by a ( PMI ) specialist that my lender did not collect any ( PMI ) last year ( XXXX ) and that was the reason for my payment increase. I did not sign any documentation on my loan modification, indicating any such statements. Nor was there any documentation that stated my payments would increase in the month of XXXX for ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The Complaint is against LVNV for account XXXX I have been demanding sufficient proof from this company claiming I owe this debt. I have constantly been ignored and have requested the CRAs to delete this item. 
1. LVNV did not respond in the appropriate time frame of ( 30 ) days as required by law 2. LVNV did not supply sufficient proof that I owe this debt 3. LVNV updated and verified this account with XXXX  after I disputed and demanded proof. 
4. I have reached out to XXXX to delete and have no luck I have sent LVNV multiple letters demanding them to delete this account. 
This has caused severe harm to my consumer profile, my personal life and business life. I have not been able to advance because I am being held XXXX from this company 's reporting false account on my consumer profile. I ask that the CFPB help me litigate this company for violating my rights. Please help me Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions 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:
I went to the car dealership to buy a new car and while running my credit. There were hard inquiries I did not do, please remove the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the Fair Credit Reporting Act 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 an 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