BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-30
Company: Medical Data Systems, Inc.
State: ME
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 XXXX is using MEDICAL DATA SYSTEMS to report a negative account for the amount of {$360.00} dated as opened XX/XX/2018. I have been unsuccessful in communicating with both agencencies XXXX  and XXXX that this debt does not belong to me, i did not open or sign this account, it has not been properly verified as accurate as i was not ever at XXXX XXXX XXXX and I have never been serviced or obtained a debt from XXXX XXXX XXXX therefore MEDICAL DATA SYSTEMS needs to cease collection of this 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 2022-08-24
Company: EQUIFAX, INC.
State: IN
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: Was not notified of investigation status or results

Complaint:
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Amcap Investments, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I AM IN FORBEARANCE DUE TO COVID AND DEATH OF A FAMILY MEMBER DUE TO XXXX AND PAYING FOR NURSING HOME FACILITY AND BURIAL EXPENSES. MY CREDIT REPORT IS REFLECTING 30 DAYS LATE IN XXXX AND THE FORBEARANCE SHOULD HAVE FORGAVE ME OF ANY 30 DAY LATES. I HAVE ASK NUMEROUS TIME FOR THE TO BE CORRECTED. I AM IN THE MIDDLE OF SELLING MY PROPERTY AND PURCHASING A NEW HOME AND THIS IS REFLECTING POORLY ON MY CREDIT REPORT AND CAUSED ME A DENIAL DUE TO MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Debt Recovery Solutions, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Debt Recovery Solutions , LLC regarding {$3500.00} owed to XXXX XXXX, XXXX. This is not a company I have any dealings with. I do not know what the amount owed is for or could be for. I have been given 30 days to respond before further escalation of debt collection. This is a false complaint of money owed. I would like to report this company for fraud or false claims. 

False claim by : Debt Recovery Solutions , LLC XXXX XXXX XXXX XXXX, NY XXXX Reference # XXXX to be collected from : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: PNC Bank N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
Yesterday around XXXX I went too PNC branch located at XXXX XXXX XXXX XXXX XXXX FL XXXX United States XXXX to cash my insurance check, and this manager ( XXXX XXXX XXXX violated my rights, he gave me a hassle when I was trying too cash my check, basically saying the check is invalid, he cant verify it, I have too take it back too my bank so they can cash it. It was a 15-20minute back/forth embarrassing situation, they way he greeted me at the door was unacceptable, he couldve took me into his office to speak on the situation but he didnt we spoke in the lobby in front of everybody, I recorded partial of it, on my other phone. Another manager stepped in and looked at the check, called progressive right away and verified the check, and it only took her 3 minutes to do all that. As a United States citizen I dont appreciate how I was talked and the way the situation was handled. I already reached out too the XXXX and their helping me out with this situation too make sure it gets resolved, honestly I felt like all this happen because Im a XXXX XXXX.I was highly embarrassed, I have 3 witnesses my girlfriend who was with me, the XXXX adjuster who issued me the check on the phone while all this took place, and the bank manager who helped me getting the check cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX po box XXXX XXXX, NC XXXX XXXX XXXX XXXX : {$9300.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
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:
I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft 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 non-monetary relief
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: FL
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 XXXX Account # XXXX ( {$1300.00} ) XXXX XXXX XXXX Account # XXXX ( XXXX ) 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 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I found out that the account i paid off is not being reflected as such on my credit report so i contacted XXXX XXXX XXXX ( the company i paid ) and they said that the original creditor ( XXXX XXXX is reporting the account incorrectly ) and that i need to contact them. the response i received from XXXX XXXX  is that i need to contact XXXX XXXX  in which i have already done. I am just getting run around while no one is updating or fixing the issue to reflect that the account was paid and not a charge off or whatever incorrect status they have it sitting in. I am resubmitting this complaint with the document that shows the account was paid and nothing owed so it should reflect a paid status on 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 non-monetary relief
Consumer complaint received 2022-10-24
Company: EQUIFAX, 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:
I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the XXXX XXXX requirements including The XXXX XXXX containing 18 fields, which ensures that the information was identified correctly by your bureau, The XXXX XXXX, containing 49 fields, which provides the specific account information for me, XXXX XXXX XXXX, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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:
To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
1. XXXX & XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXXXXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXXXXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual XXXX. XXXX XXXX BANK Last reported XX/XX/XXXX {$25000.00} Reported balance Credit limit {$23000.00} You're using 109 % of your account 's limit OVERVIEW Credit limit {$23000.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 3 yrs, 2 mos ) 4XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$5800.00} Reported balance Credit limit {$5000.00} You're using 117 % of your account 's limit OVERVIEW Credit limit {$5000.00} Minimum monthly payment {$170.00} Opened XX/XX/XXXX ( 3 yrs, 1 mos XXXX 5. XXXX Last reported XX/XX/XXXX {$1100.00} Reported balance Credit limit {$1000.00} You're using 118 % of your account 's limit OVERVIEW Credit limit {$1000.00} Minimum monthly payment {$74.00} Opened XX/XX/XXXX ( 3 yrs, 2 mos ) 6. XXXX XXXX Last reported XX/XX/XXXX {$13000.00} Reported balance Highest balance {$15000.00} You've paid off 12 % of this loan OVERVIEW Highest balance {$15000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 1 yrs, 8 mos ) Term 60 months ( 5 years ) Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated.

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 2022-08-24
Company: GOLDMAN SACHS BANK USA
State: IN
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:
These soft inquiries need to be removed from my credit report as they are fraudulent. Already tried to fix it with the credit bureaus and they are unwilling to help me and remove the soft inquiries. They claimed that the inquiries can not be removed, but you can remove them instead of the credit bureaus. I have never applied for an Apple Card credit card and have no interest applying for one in the future since this happened to me. Please remove these soft inquiries from my credit report from ALL credit bureaus. There may be more in your system but they all need to be removed as they are all fraudulent. I would like all my accounts closed permanently. I will decide whether I want to open them back up if I happen to want to apply sometime in the future which is very unlikely. I am not going to ask again to have them removed since this has continuously going on time and time again, and have been working with you and credit bureaus to get them removed for over a year now. Some of the inquiries are listed below. 

APPLE CARDGS BANK Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX APPLE CARDGS BANK Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 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

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 2022-09-30
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company is trying to collect the full amount of medical services provided without attempting to bill my health insurance first. I provided my health insurance information

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX : {$40000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Conn's, Inc.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Re : Account Number XXXX To Whom It May Concern, This is with regard to the referenced account number. In Fall 2020 I experience a financial hardship due to pandemic with layoff and additional economic impact to part-time business. I have never had negative information on my report prior to the COVID19 pandemic, but, unfortunately, I was unable to pay my bill for due to being out of work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions 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:
In fair accordance with the fair credit act XXXX Account # XXXX from XXXX XXXX and also account # XXXX from XXXX XXXX has both 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 2022-10-24
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mother XXXX XXXX got behind on her mortgage due to XXXX. She was in the process of doing deferred payments with XXXX XXXX XXXX  when the mortgage was sold to shell point mortgage servicing. My mother then suffered a XXXX XXXX XXXX XXXX  and has ended up in a XXXX home and is unable to sign documents for herself. I have power of attorney granted to me in 2019  after one of her other XXXX  the paperwork is signed and filed with the Colorado XXXX systems but Shellpoint Mortgage is refusing to acknowledge or honor the power of attorney and will not speak to me about the deferment arrangements or payment amounts needed. Despite sending them copies of the signed and filed power of attorney papers. Shellpoint mortgage representatives continue to tell me I have not sent appropriate paperwork because it is not notarized at the time of her signature in 2019. I have been advised by the Colorado XXXX systems the power of attorney papers do not need to be notarized to be legal in the state of Colorado. I am scared that Shellpoint Mortgage is going to take my mothers home before we can get her well enough to get her out of the XXXX home she is in now. We are struggling to work with them and are not able to make the XXXX dollar payment they want to cure the default mortgage. I want Shellpoint Mortgage to acknowledge my power of attorney papers and continue to work with us on the deferred payments or refinanced loan to show that we have caught up the three payments that my mother was behind for XXXX XXXX and XXXX and have continued to make timely payments and allow my power of attorney papers to stand for me to make decisions payments and sign documents on my mothers behalf for this mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
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:
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 response to consumer: Closed with explanation