BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-26
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've been a victim of identity theft and had a fraudulent credit card opened in my name with XXXX XXXX. XXXX and Experian obeyed the law and removed the fraudulent account from my credit report because they received my FTC report and police report. However, XXXX is breaking the law and reporting the fraudulent account as closed on my credit report. I need this removed immediately or I will seek legal action because this is ruining my reputation and does not belong 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 non-monetary relief
Consumer complaint received 2022-09-26
Company: Scott Fetzer Financial Group Inc.
State: TX
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 a natural consumer. I am protected by the consumer laws. Over the past 6 years, I have continuously disputed this account with the credit bureaus and the company itself. This account does not belong to me and over the years it has been reporting differently across the credit bureaus.I want it removed immediately from all consumer reporting agencies. It went from closed, paid charge-off in 2016 to having a balance and now it says paid by original creditor. The original balance has changed numerous times over the years.The date opened has changed over the years as well. The biggest issue is that they are maliciously updating the account every month as a charge-off which directly effects my credit score. I was denied a loan because they said I have recent charge-offs on my account. A charge-off can only be charged off 1 time. If the account was allegedly belonging to me, why would the original creditor pay it off? Something isn't adding up. It was never my account to start with. I was denied a loan because they said I have recent charge-offs on my account. I have filed a FTC identity theft report and would appreciate some assistance with this account. It has been a long 6.5 years of nothing but frustration and denials. PLEAE HELP ME GET THIS ACCOUNT REMOVED FROM ALL REPORTING AGENCIES. ENOUGH IS ENOUGH!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Oklahoma Student Loan Authority
State: MD
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:
Good afternoon. My name is XXXX XXXX and I have a twin named XXXX XXXX. Over the past 7 years since we have started working we have had a problem with our credit scores. The credit reporting agencies continues to label us as ONE person when its obvious that we are TWO people. We have disputed many of the wrongful accounts through XXXX XXXX XXXX, and XXXX. Once it has been submitted the dispute will be taken care of initially. After about a couple of months the same encounter that was disputed comes back again. We are trying our best to get this issue corrected but seems as though we continue to get thrown back into the loop whole of a problem. Please help us to find any solution to correct this problem seeing as though credit scores are your lively hood. As well as play a huge role in your advancement through life. 

Department of Education Loan/ OSLA : {$15000.00} Opened XX/XX/XXXX Department of Education Loan/OSLA : {$12000.00} Opened XX/XX/XXXX XXXX XXXX Loan XXXX {$20000.00} Opened XX/XX/XXXX Contacted XXXX XXXX and spoke to a representative and was told that the loan had the wrong social security number but the correct school and student name. Was advised to upload my social security number to them to prove that the loan is indeed not correct person. 

Contacted FASFA to ensure what the correct loans for XXXX XXXX. According to FASFA the only loans attached to XXXX XXXX is from XXXX XXXX XXXX  which is correct. The only schools that XXXX XXXX has attended were XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, and now currently the XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX attended the XXXX XXXX and obtained a XXXX XXXX XXXX. She currently attends XXXX XXXX. 

All of the mix up has caused a huge issue within the household financially, and emotionally. I XXXX XXXX has tried to apply to many lines of credit and have got denied due to the debt to income ration being entirely too high.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}

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 2022-09-26
Company: Bridgecrest Acceptance Corporation
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: Account information incorrect

Complaint:
As per 15 USC 6827 ( 3 ) " The term document means any information in any form. '' The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumes of their information sharing practices and provide for a right to opt out of certain sharing, In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( XXXX XXXX, XXXX XXXX XXXX ) XXXX 

According to 15 USC 6809 ( 4 ) ( A ). The term " nonpublic personal information '' means personally identifiable financial information Provided by a consumer to a financial institution Resulting from any transaction with the consumer or any service performed for the consumer ; or Otherwise obtained by the financial institution. 

Further, pursuant to 15 USC 6809 ( 5 ) the term " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

Therefore, as per the literal interpretation, the organization named XXXX, XXXX, and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. 

In case your Company admits that the organization named XXXX, XXXX, and XXXX is affiliated, it has still violated the provisions of FCRA ( Fair Credit Reporting Act ). 


UNDER 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control. 

Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( ill ) states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. 

Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws. 

I hereby request you to remove the below-mentioned information from my Consumer Report ; XXXX XXXX BRIDGECREST XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
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 Fair Credit Reporting Act : Account Name : XXXX  XXXX, Account Number : XXXX has violated my rights ; Section 602 ( a ) /15 USC 1681 states that I have a right to privacy.

Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to XXXX asking for the original bill from the original debt collector for the debt they are trying to collect and I never received it. I can not verify it is my debt without the original bill from the original creditor. They sent a generic letter in response to my letter stating they verified with the original creditor that it is my bill. But I have no proof that they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX deposited a check in the amount of XXXX $ on XX/XX/2022. 
Hold placed on the account til XX/XX/XXXX when funds showed cleared and available for usage. 
Today is XX/XX/XXXX. The XXXX check deposit was deposited in the amount of {$4500.00} into my savings. 
Tried to withdraw money from atm today still denied usage to both my accounts checking ending in XXXX and savings ending in XXXX. 
Spoke with a customer support representative with chase. The support agent referred to my account still being placed on restriction due to confirmation of the check written to myself if funds were going to be cleared. Prior to this Ive spoken with them on dates XXXX of XXXX telling me to wait the hold duration and funds should be accessible the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX Bank XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX  Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date 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 Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXXXXXX of Inquiry : XXXX XXXX Date of Inquiry : XXXXXXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX of Inquiry : XXXX XXXX Inquiry Date 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 2022-07-30
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: Information belongs to someone else

Complaint:
I inform you again that am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove these items at the earliest possible time. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 2022-07-30
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:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26
Company: USCB, 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: Problem with personal statement of dispute

Complaint:
LATE PAYMENTS In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under : - 15 USC 1681 section 602 states that I "... have the right to privacy. '' - 15 USC 1681 section 604 A section 2 also states that : " ... a consumer reporting agency can not furnish an account without my written instructions. '' - Under 15 USC 1666 B : " ... creditor may not treat a payment on a credit card account under an open and consumer credit plan as late... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
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 inform you again that am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove these items at the earliest possible time. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: MECHANICS BANK
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I got a car repoed about 3 years ago why am i still receiving mail saying that I owe from debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: TX
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 Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX Amount {$1900.00}, XXXX XXXX XXXX Account # XXXX Amount {$610.00}, XXXX XXXX XXXX Account # XXXX Amount {$650.00}, XXXX XXXX XXXX Account # XXXX Amount {$210.00}, XXXX XXXX XXXX Account # XXXX Amount {$910.00}, XXXX XXXX XXXXXXXX Account # XXXX Amount {$1900.00}, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX Amount {$800.00}, XXXX XXXX XXXX Account # XXXX Amount {$490.00}, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX Account XXXX XXXX Amount {$48.00}, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights. I demand the accounts listed below be removed because 15 U.S.C 1681 Section 602 A. States that 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. I did not give XXXX, XXXX or Equifax permission to furnish these accounts. 

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Credit acceptance is the company that has mislead me with the paperwork at signing. I was not suppose to be an owner or co owner of the vehicle that was purchased from my ex. I only gave my ex a vehicle to trade on for his new vehicle and was only told that I was signing the paperwork for that paperwork and in fact the company forged my signature on multiple paperwork

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