BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: EQUIFAX, 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:
In XX/XX/XXXX, I checked my credit report for the first time in a long while. I noticed MULTIPLE accounts that were NOT authorized by me, as well as MULTIPLE addresses I have NEVER been associated with. Some from other states! 

My score itself was so low due to these unauthorized accounts. The total debt accumulated from these unauthorized accounts is roughly {$10000.00}. 

I IMMEDIATELY contacted each creditor via phone AND letters. Called creditors the same day ; XXXX XXXX sent Letters via mail a few days later, still in XX/XX/XXXX. I was then advised to submit an identity theft report as well as a police report. These were completed in XXXX of XXXX. 

I sent in everything necessary to resolve these issues. I am a single mother and have been working to buy a home for me and my daughter. 

I sent letters, waited 30 days, NOTHING- I called the creditors- NOTHING. I am desperate to fix these issues. I keep getting the run around and no resolution. It is now approaching XXXX. I feel defeated and am asking for all 3 major bureaus to help assist me in investigating these fraudulent accounts and having them removed so I can move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a phone call from XXXX and he said that he was with Chase Fraud department and they were calling regarding a potential fraud charge on my account. He said it was for {$2200.00} from XXXX and it was being charged from NC. He told me the last four of my credit card account. I couldn't remember having a Chase card, so I went to login and I saw the account was closed and the last payment was XX/XX/XXXX. The scary part is he told me the exact amount of my last payment. He asked me if I had possession of my card and asked if I was the only authorized user. I told him I had to call my husband. He told me to call him back directly at XXXX extension XXXX, I thought he said his name was XXXX XXXX but it was garbled. I called Chase directly and confirmed my account was closed and they told me that is how scammers work and they would never call me from a local number. Chase told me to block the number and do not give the guy any more information. A few minutes after I hung up I got a call from XXXX and it was the same guy he asked if I spoke with my husband, I hung up on him and blocked him. he then called me from XXXX after I answered and heard his voice I hung up and blocked him. This happened today XX/XX/XXXX first call was at XXXX and was 8 minutes long, then XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions 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:
The following accounts I have listed below XXXX XXXX  XXXX XXXX OF XXXX My rights have been violated in accordance with the Fair Credit Reporting Act. 

15USC 1681 SECTION 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 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 2022-12-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reached out to the company, asking them to verify and validate this debt. Only thing I received in XXXX was a bill I havent received anything else showing that this debt belongs to me. I am asking you to send me a contractual agreement between me and the creditor showing that I agreed upon with the creditor to pay this debt. Also, I am actually ask XXXX, you show me proof of validation of this death what you guys have not done so all you were doing is lying to the credit bureaus, and the customer financial protection bureau, which is wrong so I am asking you to show me proof of this death show me a contractual agreement show me everything that you have on his debt that shows that it belongs to me and that its valid also show me proof that you were license to even collect on this debt in the state of Florida also show me that the methods of verification you have taken to prove that this debt belongs to me darling steps have been taken, and all you were doing is responding to this matter say that you sent something that you did not send so my next step is to see you guys in court in which I am seeking an attorney to help with this matter because they seems like you guys have not done the proper steps according to the federal credit reporting act of 1971. Please respond to me with all these methods of verification. are these contractual agreements any kind agreement with my signature showing that I agreed to pay this creditor or I can wait in the contract with this creditor if any of those can not be provided I ask that you remove this off of my credit report ASAP or I will seek an attorney to do a canna soup against you, I need your license number showing as your license in the state of Florida I need everything show me that you guys are able to even collect but is that a first and foremost show me that this date is valid thank you have a nice day

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: ENCORE CAPITAL GROUP INC.
State: GA
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:
XXXX XXXX XXXX, Account number ( XXXX, Account type : Auto Loan, Midland Credit Management Account number ( XXXX Account type : Debt Buyer, Has violated my rights according to article ( 15 U.S.C 1681 section 602 A. ) states very clearly that I have the right to privacy ( 15 U.S.C 1681 section 604 A. ) also states ( A consumer reporting Agency can not furnish an account without my writing instructions. And article ( 15 U.S.C 1681 c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reports containing any of the following items of information as well as any other adverse items of information, other than convictions of crimes which antedates the report by more than seven years. As well as article ( 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 2022-06-09
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 below accounts have violated my rights. 
XXXX XXXX XXXX dismissed Reference number - XXXX XXXX XXXX XXXX - account number XXXX XXXX XXXX XXXX XXXX account number - XXXX XXXX XXXX - account number - XXXX XXXX  XXXX account number - XXXX DEPT OF EDUCATIONXXXX account number - XXXX XXXX XXXX  XXXX account number - XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  account number - XXXXXXXX XXXX account number - XXXX XXXX account number - XXXXXXXX XXXX XXXX  account number - XXXXXXXX XXXX XXXX XXXX account number - 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: PA
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Back when i had an regions bank account from XX/XX/XXXX to XX/XX/XXXX i kept getting over draft fees when i never even did anything to get overdrawn and plus i would get randoms fees taking out out of no where i complained about It for so long i just decided to leave because of the random fees

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 2022-12-21
Company: CCS Financial Services, Inc.
State: GA
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 information is supposed to be private and this comoany violated my consumer rights and FDCP laws 15. U.S.C. 1681 section 604A- Consumer can not furnish an account without my written permission 15. U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15. U.S.C. 1681 Section 602A- I have the right to privacy

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Empower Finance, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Company keeps trying to withdraw money from my bank. Did not realize payday loans are illegal in NYS. They are hurting me financially.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: General Motors Financial Company, 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: Account information incorrect

Complaint:
I received a copy of my credit report and this account GM Financial is reporting that my account is open and I missed payments this account is closed as a charge off so how can they say the account is open plus the balance on the account is wrong I have proof as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: CA
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

( 1 ) : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

( 2 ) : 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 ( 3 ) : 15 U.S. Code 1681 ( a ) ( d ) ( 2 ) ( i ) : States that the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Professional Placement Services, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX, sent me a debt collection notice regarding a {$50.00} bill allegedly owed to XXXX XXXX XXXX, which I had already paid by the time I received the notice. This followed a dispute over an unpaid insurance claim, over which XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX dragged their feet for months over who was responsible for what portion of my medical expenses from XX/XX/XXXX, which were supposed to be covered retroactively by XXXX and which I had already partially paid in advance. I can only assume that my refusal to pay what was owed by somebody, but not by me, is why my account was referred to debt collection. This referral was unjustified : As soon as the amount I allegedly owed was reduced to one that made sense, I paid it, and I documented that fact to XXXX. 

Despite having paid my bill already, I was targeted on XXXX XXXX, XXXX, by a deceptive robocall originating from ( XXXX ) XXXX, a number originating from XXXX 's area code and associated with telemarketing and debt collection, which used my full name including middle initial in an attempt to get me to call a toll-free number that belonged to XXXX. I wrote XXXX  a letter warning it that I had no patience for that sort of shady practice and that if it contacted me again, I would report the fact to the FTC, the CFPB, and the XXXX and XXXX attorneys general. 

Since then, I have received no communication of any kind from XXXX XXXX XXXX requesting that I pay that billas is right and proper, since I paid it a long time ago, and my current balance with XXXX XXXX XXXX is XXXX. However, today I received a notice from Professional Placement Services LLC of XXXX attempting to collect the exact same nonexistent {$50.00} debt. 

I have no patience for THIS sort of shady practice, either, and I'm writing a letter to Professional Placement Services informing it that this time I AM reporting these facts to the FTC, the CFPB, and the XXXX  and XXXX  attorneys general.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 accounts listed below have violated my rights : - XXXX XXXX XXXX  XXXX Acct # XXXX - XXXX XXXX Acct # XXXX - US DEPT. OF EDUCATIONXXXX Acct # XXXX 15 U.S.C. 1681 Section 602A- 4 states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A- 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
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: LA
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are 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 successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX I noticed a new credit inquiry on my credit report. I promptly contacted XXXX, the lender on my report, about the inquiry and stated that it was not me and that I have been victim to identity theft. XXXX then gave me some instructions to follow up with. They asked that I provide a letter stating that I did not apply for loan and a police report of the situation within 7 days of the notification. I provided that information 3-4 days later. Since that XX/XX/XXXX date I have emailed numerous times about the status of my claim and have received nothing of any value. Generally, I will receive an email along the lines of " Fraud Dept is investigating '' with no additional information. I have tried calling customer support and have been disconnected and other times not able to reach anyone. It is nearing a month since I initially informed XXXX of the fraud and I have not received any meaningful information regarding the status of that claim.

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 2021-08-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
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:
For the past XXXX years, I have been notifying your corporation that an " alleged '' " fraudulent '' " illegal '' and " erroneous '' account XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has been furnishing on my consumer report and in my consumer file. I have submitted numerous complaints, affidavits, CFPB complaints, and submitted Attorney General complaints and each time your customer service representatives come back fraudulently and erroneously " verifying '' the alleged account. Not only is the furnishing of the alleged account XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is a violation of my right to privacy, the alleged account has caused me financial hardship and embarrassment. I have never given your corporation permissible purpose to furnish said account nor do you have my written consent to furnish said account XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which are all violations that fall under the restrictions of the Federal Credit Reporting Act. According to Federal law, your corporation should be exercising fairness, impartiality, and respect for my right to privacy under 15 USC 1681 a ( 4 ). The illegal furnishing of this account violates my federally protected consumer rights under the FCRA. The furnishing of this account also violates the standards and regulations of METRO-2 COMPLIANCE! Attached you will find my most recent letter sent to your corporation not only informing you of your violation under the FCRA but also your lack of ability to stay in compliance to METRO-2 standards and regulations.

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 2022-06-09
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation