BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-16
Company: EQUIFAX, 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:
I am submitting this complaint again to delete the following fraudulent items in my file that are reporting on XXXX, Equifax and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged and also the inaccurate personal information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$150.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance {$430.00} ; XXXX  XXXX XXXX XXXX XXXXXXXX Balance {$580.00} ; XXXX XXXX XXXX Balance {$900.00} ; XXXX & XXXX XXXX XXXX Balance {$180.00} XXXX XXXX XXXX XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$240.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4700.00} ; XXXX XXXX XXXX  Opened XXXX XXXX, XXXX XXXX Balance {$3600.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$260.00} ; XXXX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$200.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX Inquiry Date XXXX. XXXX, XXXX ; XXXX XXXX XXXX  XXXX Inquiry Date XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. 15 US-CODE 16921 XXXX XXXX  XXXX XXXX Bankruptcy Case Number : XXXX Delete this account XXXX 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  XXXX  XXXX Account Number : XXXX Delete this account. 
8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 
12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 
13. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
14. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA 15. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
16. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Late fee

Complaint:
I had an account with Citibank. The account was closed and paid to a {$0.00} balance. Unknown to me - Citibank reopened the account to accept charges from the XXXX. The account was again brought to {$0.00} and closed again with instructions to never reopen it. 

Without my permission - the account has been reopened and several hundred dollars of fees are applied to the account - but Citibank can not produce any purchases

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For several years I have been unable to get my Equifax credit report from XXXX After answering the questionnaire, it tells me " online delivery unavailable ''. I've called Equifax a number of times and the only response I get is that the problem is with XXXX and I must request the report by mail, which means I must pay to send it via certified mail due to the confidential nature of the documents they require to prove my identity. ***I do not have this problem with requesting my credit report from XXXX or XXXX I emailed the upper management at Equifax on XX/XX/XXXX and XX/XX/XXXX ( see attached ) to no avail, and then started calling them again. Customer service tells me the problem is with XXXX. When I contacted XXXX they sent me papers that were completely unrelated to the issue. They also said the problem is with Equifax, not them. It's a run-around. 

I sent an online complaint to XXXX  on XX/XX/XXXX and have not heard back from them yet, but don't expect a resolution if their history is any gauge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Been fighting with CitiMortgage for a modification since XXXX ; Hired an attorney to assist ; Modification keeps increasing amount due which is unaffordable ( $ XXXX/month ). Now forced to short sale ; lender keeps losing docs & saying they did n't get them which delays process ; Lender did exterior appraisal only, inflating value without seeing inside work needed. Feel like they are purposely not trying to help me short sale house. They are discriminating against me and do not want me to keep my home as evidenced by the their unwillingness to work with me on both a modification & the short sale. I have been in the home for almost 16 years. Foreclosure sale scheduled for XXXX/XXXX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is an address on my credit report that is not  one  of my addresses. It is a Nevada address. I have never lived in Nevada. However I did have credit cards that have been compromised that the address was in Nevada.

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 2016-12-15
Company: Northland Group Inc
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In response to Case number : XXXX, Northland stated than an alleged account was " opened on or about XXXX XXXX, XXXX. I beg to differ. For one, XXXX did not come into existence until XXXX, with the merger of XXXX and XXXX banks. In XXXX, I had accounts with a different financial institution, which has NO RELATIONSHIP whatsoever with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01
Company: Experian Information Solutions Inc.
State: IL
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:
RE : XXXX XXXX XXXX Over thirty days ago, I wrote to Credit Bureau company indicating my dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays date, Credit Bureaus have not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence. 
Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-days mark has come and gone without any response from their office. 
I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that that negative information from my account has been removed.

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 2020-03-12
Company: DISCOVER BANK
State: CA
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 HAVE SENT A NUMEROUS REQUESTS, ASKING TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I AM VICTIM OF AN IDENTITY THEFT REPORT. THS ACCOUNT AND THE CHARGES DONT BELONG TO ME. SOMEONE STOLE MY INFORMATION THEY HACKED INTO MY MAIL BOX, MY EMAIL WAS ALSO HACKED. BEING A VICTIM I HAVE NO IDEA HOW ELSE TO SAY THAT THIS ACCOUNT IS NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-03
Company: Financial Management Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Financial Management Solutions contacted me on my personal cell phone in XXXX of 2015 attempting to collect a debt from an apartment complex that I believe I do not owe. While speaking with the representative, I explained to him that in XXXX 2015, I gave proper 60 day notice of my intent to vacate the property due to me having XXXX young children, XXXX being XXXX dependent, as a result of an uninhabitable unit that consisted of mold, a non working refrigerator, and a thermostat that had no mercury in it, which I repeatedly for 4 consecutive months complained to the management about, which were causing me and my children constant health issues. After vacating the unit on XXXX XXXX, 2015, I visited the rental office to return the door key, as I was never given a mailbox key. The representative in the office refused to accept the key and declined my request to schedule an appointment to do a proper walk through of the property, implying that the property had a new management as of XXXX 2015, in which tenants were not properly notified in a timely fashion and that I would have to submit a new 60 day notice to vacate. I attempted on several occasions afterwards to contact the new management to try and return the door key, perform a walkthrough and come up with a solution to no prevail. The representative from the collection agency, then replied that regardless of what I had said to him, his call was an attempt to collect a debt and ask me how much of a payment I was willing to make on that particular day. I explained to him that I was not agreeing to the debt and would not agree to make a payment. He then said to me that if I did not comply and agree to make an immediate payment along with an arrangement that he would be forced to take legal action and that he would be sure to report to the credit bureaus the said debt and that he would see to it that I would not be able to obtain another rental property for at least the next 7 years. He then went on to say to me that he was sure that I did not want to be displaced nor did I want to deal with his company moving forward with any legal actions because of my refusal to make an immediate payment. I requested that his agency send me proof of validation and verification of the outstanding debt that they believed I owed the original creditor within 30 days, which his company failed to do in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Hi, I repeatedly get calls at my employer after asking this company to not contact me at work. They call several times per day. They have not provided me with any written verification of any debt owed to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Admin Recovery, LLC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
This representative from a XXXX collection agency ( # is XXXX ; then continued calling from an unknown number ) calls me repeatedly ( averages about XXXX20 times per day back to back ), and cusses me out calling me all kinds of names such as XXXX scum of the earth '', etc. I have told him that I will file a complaint and he says that he does n't care, and will have me arrested for not paying my debt. I am tired of his harassment. He refuses to give me a name but says he can be called XXXX I am tempted to call the police on him.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Experian Information Solutions 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:
The Experian Credit Bureau is reporting a different information from the other bureaus. The account XXXX XXXX XXXX Balance : {$3000.00}, was never late and I always make my payments on time. This account is only reporting as late in Experian Credit Bureau. If Experian 's record keeping had been accurate, this account should have never been late. The Experian credit bureau is required to authenticate this account under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately.

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 2021-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 ( collection ) account? has been reported to XXXX  as well as other CB 's as being delinquent {$270.00} as recently as XX/XX/XXXX for a debt incurred from affiliated hospitalists in XXXX the only issues that I have with this is 1 ) I was not in XXXX XXXX Az XXXX that time and 2 ) should I have incurred ANY medical bills ANYWHERE in this country, They would have been covered by MEDICARE as I was on Medicare as of XX/XX/XXXX. I have called the collection agency trying to get this straightened out and they do NOT even have my name in their collection files. Which leaves XXXX  stating that they VERIFIED info. Please explain to me how this is done then? I know credit quite well and XXXX  as well as XXXX XXXX are Lying to everyone about my credit.

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 2017-07-12
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I submitted a complaint through cpfb because Experian refused to move a collection account in the amount of XXXX from XXXX XXXX that did not belong to me after I put in a dispute with all three credit bureaus, and the other two removed it  because it could not be verified, however Experian told me to work with the collection agency & the collection agency said I needed to contact Experian. The results came back on XX/XX/XXXX with Experian responding saying that wanted proof of my addresses from the last past two years, a copy of my Id & SSN card, I sent all that into Experian & I was informed they did n't receive it. And it was definitely sent to them.

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 2022-12-14
Company: Orions Management Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I hace asked them to provide me in writing how is they resolved this debt is mine and yet they have not responded I have disputed this debt with experian to removed it and also with XXXX XXXX so far only XXXX XXXX was able to removed it not experian.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX XXXX Account XXXX 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 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 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 : States a consumer reporting agency can not furnish an 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 XXXX 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 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 2022-07-16
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 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 instruction

Company response to consumer: Closed with explanation