BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-12
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX SS # XXXX XXXX : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 USC 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 a account without my written instructions. THIS IS MY 2ND REQUEST... 
XXXX : Creditor : 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT, I DEMAND THAT ALL OF THE ITEMS LISTED BE REMOVED TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THESE ITEMS IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Experian Information Solutions 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:
XXXX XXXX is reporting an acct on my Experian that I never owned. They site XXXX XXXX as the original creditor, but XXXX XXXX has verified that thy have no record of any accounts for me. I have never had an account with XXXX XXXX. I filed a police report for fraud and provided it to XXXX XXXX, but they still refuse to remove the account from my credit file. The date of the XXXX XXXX account is XXXX 2016, {$3200.00}.

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 non-monetary relief
Consumer complaint received 2020-08-19
Company: CORELOGIC INC
State: NC
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:
3 letters from XXXX XXXX  requesting removal. The was an illegal inquiry/pull of my credit report by XXXX XXXX in XXXX. XXXX   and core logic are displaying illegal and allowing illegal use of my credit report. I don't have and never had account with XXXX XXXX or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after XXXX XXXX sent letters that acknowledged this XXXX and core logic continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also corelogic stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. All documents have been attached including XXXX   acknowledgement of illegal account and the request to delete it from XXXX corelogic, false statements made on behalf of corelogic and fake letters they said they sent.

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 2017-09-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax merge my credit report with someone else then refuse to take the inquiries off. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX {$3300.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- XXXX A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MEDICAL DATA SYSTEMS, INC. {$3300.00} I have report your company to  consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2017-06-27
Company: CITIBANK, N.A.
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:
XXXX XXXX is reporting an acct on my XXXX that I never owned. They site Citi Bank as the original creditor, but Citi Bank has verified that thy have no record of any accounts for me. I have never had an account with Citi Bank. I filed a police report for fraud and provided it to XXXX XXXX, but they still refuse to remove the account from my credit file. The date of the City Bank account is XXXX XXXX, {$3200.00}.

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 non-monetary relief
Consumer complaint received 2017-10-17
Company: Patient Accounting Service Center
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX/XXXX/XXXX my wife visited what she believed to be an XXXX XXXX XXXXlinic operated by the hospital system that employs her for a routine strep throat check. We later received an invoice for {$79.00} for 10 % coinsurance. I thought this was very high and questioned the amount only to be told that the facility was an emergency room and not an XXXX XXXX center. I then filed a complaint with my state 's XXXX 's office because I felt the billing practice was unfair since the office building had a huge sign out front identifying it as XXXX XXXX. I went ahead and paid the invoice as well. On XXXX/XXXX/XXXX I received a response from the hospital system 's attorney through the XXXX 's office indicating that they decided to refund the {$79.00} coinsurance payment but they felt their billing practices were legal. Everything was good until XXXX XXXX when I received an invoice from XXXX XXXX of XXXX MI saying that I owed this debt. On the XXXX of XXXX I sent a certified letter to them disputing the debt and forwarding copies of the letter from the hospital system as well as a copy of the credit card transaction and the refund transaction proving that the debt was no only paid but also refunded. I assumed this would resolve the situation as the debt is clearly invalid. They continued sending me invoices so I hired an attorney through my employer 's legal access plan. The attorney said that he 'd send them another letter and handle the situation. In XXXX XXXX I received an invoice from a new debt collector, XXXX XXXX XXXX XXXX of XXXX NY for the same debt. So it 's clear to me that XXXX decided to sell the debt to a new collector rather than go back to the original creditor to correct the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: VALLEY NATIONAL BANCORP
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: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed my credit report and came across 7 unauthorized inquires dated from XX/XX/2021. I would like these inquires removed at once, due to the negative impact it has on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Social Finance, Inc.
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have contact this company about this debt that was inserted into my credit profile I have contact the company asking this company to contact my attorney about this debt this account refuse and is still threatening me and now is currently in litigation. This company threaten for my credit to be rued and this company is single handily worked on destroying my credit and I am asking for help before I processed with legal actions. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving multiple phone calls, sometimes per day. Blocked numbers, spoofed numbers, etc. The agents are dismissive when I tell them that the debt was sent to them in error. I applied for and received a credit card but did n't end up using it for my dental work. I have the receipt for the cash payment. I 've tried calling Synchrony bank - where the debt seemed to originate - but they say that once the debt has been sold they can not retrieve the information that would clear my name. 

The agents from this company, XXXX XXXX XXXX, have heard all of this information but do not seem interested at all in it. They repeatedly say that they only want to discuss how I can pay them. If I try to disengage the conversation because I am driving or my children need my attention, the agents will firmly try to keep my attention to their call.

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 2020-06-22
Company: EQUIFAX, INC.
State: MO
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 downloaded XXXX XXXX yesterday for the first time and I noticed I had several accounts that did not belong to me. So I decided to pull my report and I noticed accounts that are not mine. 
XXXX {$300.00} XXXX {$270.00} XXXX {$29000.00} USDOEXXXX {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: The Phoenix Recovery Group
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: Account information incorrect

Complaint:
Phoenix Recovery Group has illegally added a duplicate account from the same creditorXXXX XXXX XXXXXXXX to my XXXX credit report. A collections account in the amount of {$730.00} was added to my XXXX credit report on XX/XX/XXXX. I disputed this debt with Phoenix Recovery Group as I do not owe this debt. This same account was previously on my XXXX report as well, but I was able to have it successfully removed because I proved that I do not owe it. I disputed this debt a total of 3 times. On XX/XX/XXXX, on XXXX XXXX it shows the same account was removed AND added back the SAME DAY! On XXXX XXXX, I received a notice from XXXX XXXX that there was a new account added to my report. Phoenix Recovery Group added the SAME account from XXXX XXXX XXXX, but now in the amount of {$730.00} ; a {$1.00} difference! This new account has the same open date as the account in the amount of {$730.00} ; XX/XX/XXXX. I never received anything in writing in regards to this new account in the amount of {$730.00} prior to it being added to my XXXX report. If it's indeed a new account, a new account number was not provided, neither was an itemized list of the charges. This action is a clear violation of the Fair Debt Collection Act, as well as the Fair Credit Reporting Act. I have emailed Phoenix Recovery Group in regards to this requesting to cease collections on BOTH accounts and to have BOTH accounts removed from my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
On XX/XX/XXXX I noticed that my Account on my Direct Deposit and Cash Advance have a balance of {$4300.00}, which is not correct. I call customer service I spoke with XXXX, I wanted to know when was my last Cash Advance,  she claimed she could see it, it. I told her that it been about six or seven years ago, that I used that service and my account still high. So I call the Dispute Department to get another Dispute started, because I had one in XXXX that was never resolved for the same thing because I have n't seen in decrease in my Cash Advance Balance. I spoke with XXXX, about the issue a hand he tried to brush me off, sending my call to XXXX in collection, than she transferred to XXXX, she looked at my account and told me that I had {$1000.00} worth of interest each year. I said what? Who in their right mind have interest that high, she asked to put me on hold while she talk with her supervisor, she never came back to the phone. Then XXXX, in Customer Service picked up, I explained to her what was on and the statement that was made to me about the interest. she was wondering herself why was n't that issue resolved on there end two years ago. I told her I guest because I just kept paying my bill and they kept sticking me. She claim that she 's going to escalate this dispute. I ca n't trust that, I tried that before and I 'm deeper in debt

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 2017-10-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I opened a XXXX/ XXXX XXXX XXXX credit card account in XX/XX/XXXX. There was no interest rates due that I was told. I was making timely payments on account until they XXXX XXXX on balance on account and never credit payments towards account. I have been disputing off and on since XX/XX/XXXX and XX/XX/XXXX now XX/XX/XXXX. I have sent proof of a letter from Sams Club crediting my account in the amount of {$770.00}. This is admitting they made a mistske on account. Otherwise they would never have credit my account. I also have a letter on the interest rates. They have made my credit XXXX by reporting a false report on my credit report. I am not able to get or do anything for three years. I need them to either correct my account or take their name off my credit report. 
I also have a Walmart credit card by same bank. I have been making my payments on Walmart since I opened in XX/XX/XXXX never late. So this shows proof I do pay my bills. This company is violating the fair credit reporting act by reporting an account where XXXX XXXX XXXX have no paperwork to show the account. 
I declare under penalty of perjury under the laws of the state of California that the above is true and correct of my own knowledge. God Bless Sincerely, 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 2017-10-17
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The original student loan I had was acquired by another company. Due to technical issues with this acquisition, my automatic payments were not automatically linked. I resigned up for the automatic payment but the website only allowed for payment once monthly on day in the middle of the month. My payment due date at the time was prior to the next scheduled automatic payment date so I opted to make a direct payment of the amount to not miss the due date. To my unfortunate expense, the website was set up so that any direct payments made negated and cancelled all automatic payments. This was not explicitly written on the website and I argued over this with a customer service representative after I found out I had the delinquency but was only dismissed for this. I had thought my troubles were over after one technical error but the delinquency from that missed automatic payment lead to another month of deliquency because the automatic payment that was scheduled did not factor in the late fee that was due and caused my account to be branded with a double delinquency. It was never the case that I did not want to make my payments. The original payments were {$42.00} monthly. This cost was not a large sum at all but lead to this delinquency that has affected me greatly. 

This derogatory mark on my credit report is extremely damaging to me. At the time, I was applying for a bank mortgage for my first home and the delinquency has surely played a negative role that has already costed me a lot of money in the bank 's decision for my home. Even now, this delinquency on my report is preventing me from getting the loans that I am trying to apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
year of 2020 I quit my job to go to XXXX, while I was in XXXX  I went to see a XXXX  I used to see before I did lost my benefits from my job, I had a balance of {$70.00} to pay, they didn't even give me time they sent it to collect Bureau, I tried to dispute it they never wanted to drop it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: EQUIFAX, INC.
State: WA
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:
Equifax is reporting accounts that have no right to be on my consumer report and ignoring my request for copies of consumer applications in my file that was sent to them for verification. I sent a letter on XX/XX/XXXX along with a notary proving I am the person sending this letter through USPS certified mail. Both letter and notary is attached to this dispute. In that letter I stated that this was a request for information and it is NOT A DISPUTE LETTER. Since all consumer applications must be verified, copied, and retain in the consumer file, I asked for the consumer applications for the accounts listed in the letter. Along with verify the information on the consumer report, it must PROOF that the data furnisher has any permissible purpose to view my consumer report and PROOF of any financial agreement that allows the data-furnisher to report any information to my consumer report. I noticed on XX/XX/XXXX, instead of providing the information, Equifax opened disputes against these accounts. WHY WERE DISPUTES OPENED WHEN I STATED THIS WASN'T A DISPUTE LETTER? AND WHAT FALSE CLAIM DID EQUIFAX SEND TO THE DATA-FURNISHERS? No dispute should have been made, just provide the requested information. If I did dispute, it would be with Equifax for being Non-Compliant with the FCRA by not verifying the consumer applications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-17
Company: Experian Information Solutions Inc.
State: AR
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 and XXXX XXXX XXXX has multiple names and continue to duplicating accounts on my credit reports. This account has been paid. Both creditor and collections are reporting incomplete information misleading potential creditors offers. XXXX XXXX exceed 7 year statue for reporting. 

XXXX XXXX XXXX XXXX paid as well all adverse information listed on credit report is incomplete. 

XXXX XXXX XXXXXXXX XXXXXXXXXXXX XXXX are all the same duplicated accounts.. I have record showing I paid 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