BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2023 we attempted to open a credit card account at Macys. We applied for a joint account under my name and my wifes name providing all required information to Macys. We were denied. After much trouble getting to the right person, we were told our application was denied because of lack of activity under my wifes name for credit reporting. Since we are retired and elderly, I do virtually all of the buying for our household and that explains the lack of activity under her name. However, we were still denied the account. We dont understand since we were applying for a joint account under both of our names and there is plenty of activity under my name. We have a credit reporting score of XXXX. We are filing this complaint, primarily to ensure no black marks show up on our credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX BANK XXXX XXXX XXXX : {$970.00} ; XXXX XXXX CO XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$910.00} ; XXXX XXXXXXXX XXXX Balance : {$400.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX Bankruptcy XXXX XXXX CT XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy XXXX Bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX

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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX, and I'm bringing this CFPB complaint to your attention in order to draw your attention to the credit reporting agencies ' negligence, stupidity, and indifference. The accounts I have been disputing on my credit report for more than a year now are the product of identity theft. According to FCRA section 605b, credit reporting agencies must erase any account and information no later than four business days following the day they receive the complaint letter. I began writing letters of dispute to the credit bureaus on XX/XX/XXXX, and my last letter, dated XX/XX/XXXX, had all the attachments I needed to prove my identity, including the ID THEFT REPORT I received from the FTC. However, in spite of all of this, the credit bureaus ignored the request and violated the FCRA regulation. The Credit Bureaus have continued to report the disputed things without delivering me copies of the paperwork that bears my signature as proof that the disputed items actually do belong to me. The FCRA section 605b, a federal law, is clearly violated by this activity taken by the credit bureaus and is therefore illegal and punishable by law. I am filing this CFPB complaint to ask the credit reporting agencies to entirely remove the following bogus information from my credit report ; if they refuse, I will have no choice but to take legal action : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXX Balance {$0.00} XXXX XXXXX Balance {$850.00} XXXX XXXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Balance {$83.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, and I'm bringing this CFPB complaint to your attention in order to draw your attention to the credit reporting agencies ' negligence, stupidity, and indifference. The accounts I have been disputing on my credit report for more than a year now are the product of identity theft. According to FCRA section 605b, credit reporting agencies must erase any account and information no later than XXXX business days following the day they receive the complaint letter. I began writing letters of dispute to the credit bureaus on XX/XX/XXXX, and my last letter, dated XX/XX/XXXX, had all the attachments I needed to prove my identity, including the ID THEFT REPORT I received from the FTC. However, in spite of all of this, the credit bureaus ignored the request and violated the FCRA regulation. The Credit Bureaus have continued to report the disputed things without delivering me copies of the paperwork that bears my signature as proof that the disputed items actually do belong to me. The FCRA section 605b, a federal law, is clearly violated by this activity taken by the credit bureaus and is therefore illegal and punishable by law. I am filing this CFPB complaint to ask the credit reporting agencies to entirely remove the following bogus information from my credit report ; if they refuse, I will have no choice but to take legal action : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXX Balance {$0.00} XXXX XXXXX Balance {$850.00} XXXX XXXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX Balance {$83.00}

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 2022-09-29
Company: EQUIFAX, 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:
XXXX XXXX was transferred on XX/XX/XXXX to XXXX in the amount of {$8000.00}. 
On XX/XX/XXXX I paid XXXX {$4000.00} and the remaining balance of {$4000.00} on XXXX. 
To date the {$8000.00} is still reflected on my credit report as being owed to XXXX. I spoke to XXXX XXXX several times with the latest being on XX/XX/XXXX and was advised that once XXXX reports that the balance will fall off my report. However, I last spoke to XXXX on XX/XX/XXXX and was advised that them reporting would have no impact on the XXXX  XXXX balance. 

I have also disputed this balance 3 times as wrote to XXXX and every time they send back that the balance is correct with documentation that shows that I owe {$0.00} on my prior loans with them. The credit bureaus stated there is nothing they can do because the investigation and findings are from the company I am disputing and that the company does not have to show proof to the credit Bureau. 

I am stuck between these companies and need help resolving.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit score and noticed a bill in collections for {$4900.00}. Called XXXX  and figured out the account was not made by me and it is identify theft. The lady I spoke too said the person made the account in XXXX. Ive had no knowledge of it until XXXX when the bill went into collections. She told me to make a police report, which I will do today XX/XX/XXXX and to make a report on this website. I also disputed it through the collections company which is Convergent, but they denied the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Central Portfolio Control Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have an old account on my credit from XXXX XXXX XXXX that was charged off in XX/XX/XXXX it was sold to XXXX collection agency and then another called Central Portfolio XXXX XXXX of XXXX and they show it as being chared off in XXXX of XXXX which is wrong and everytime I go to credit bureau to make them put the original date of the collection they up date it to that day so in XXXX months i have ask XXXX to fix it they have shown the date as that month and I read by law the original date has to be on the collection on my bureau and they only date they show is one and a month ago, no account numbers no original file date and everytime I try to fight it because it comes off my credit next year and they cant collect they make it look like it just happened I know they can keep updating it but they have to show the original date, Yesterday they put the date on XXXX as XX/XX/XXXX and its not is a debt from almost XXXX XXXX XXXX. there angry they cant collect and are just harassing me to no end. please help. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX was the company I had a planned with from XXXX. Once my contract was up. I decided to go else where. Their phones was paid for and the ones that needed return was done so. They sent me to collections to a company named Enhanced Recovery on XX/XX/2021 Account number XXXX that's when they said I have to paid {$1100.00} this was never owed and should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Capital Accounts, LLC
State: NY
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 I went to XXXX XXXX XXXX for a 15 minute consultation. I later found out that the manager is known to be a fraud and scammer. He started to try and issue false claims to my insurance company. I connected with my insurance company and told them it was fraud. I emailed with the investigator at the insurance company and eventually, the claims were blocked as the insurance company agreed it was fraudulent claims after I provided evidence about my XXXX XXXX XXXX  Given that the owner still has my information, it appears that he is now trying to issue claims through a debt collection agency called Capital Accounts LLC XXXX XXXX. I received a debt collections notice in the mail from a creditor called XXXX XXXX in XXXX through Capital Accounts LLC. The reason why I know this is the same fraud con artist is because I have read online that this fraudulent individual has done the same scam to many people here in XXXX. I have never been to a XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681, XXXX/XXXX XXXX XXXX XXXX section 602 A, right to privacy 15 USC 1681 604 A section 2, 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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 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 2022-08-02
Company: Paramount GR Holdings, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
GoodLeap is working with XXXX XXXX to finance solar systems. My solar system installation started XX/XX/2022 and never completed, system has not worked since the installation. My contract says XXXX should test the system and verify it works before getting paid. However GoodLeap paid them in full without confirming or even notifying me. When I found out I contacted them and told them installation is not complete the agent on the phone basically said it is not their problem I have to fix it with XXXX. XXXX is not responding, they do not have any plans fixing it. Goodleap keeps taking money out of my account and I have XXXX on my credit report for a system that has never worked. 
In addition to that GoodLeap keeps calling me to remind that I need to apply for federal tax credit and give them that money. I told them that it is not legal to apply for tax credit unless system is operational, they said not to worry this is a common practice and their customers do that all the time. 
Is there anything you can do for me? The only way for me to stop the payments to close my account, open a new account and then I will have to deal with even bigger issues. Is this a valid debt? Can they just pay someone on my behalf without completion of the job and then force me to pay them?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: T.S. Holdings
State: NV
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:
Account name reads : IQ Data International In Account is showing XXXX as opened Amount is {$5100.00} Called them to have error removed from my credit report and was refused for payment collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22
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: Credit inquiries on your report that you don't recognize

Complaint:
To whom this may Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying I had some identity theft on my credit card, so I want to make sure everything is correct because I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) 1681i ( a ) ( 2 ) 1681i ( a ) ( 3 ) 1681i ( f ) ( 3 ) and 1681 Sec.604A Sec.2 ,15U.S.C. 1692 ( C )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

So I have notice a Number on hard inquires that are completely fraudulent and I have no knowledge of these hard inquires Hard Inquires Experian 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

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 2022-08-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please see the attached letter from the court your company " verified '' the inaccurate bankruptcy on my consumer file confirming they do not verify any information with the 3rd party. are you aware that removing any information on a consumer file and then later adding it back without written notice is in direct violation of the FCRA? i'm giving your company a chance to fix this error before i seek litigation. i am keeping record of all responses from your company as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: CT
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 went into XXXX hospital for a XXXX XXXX, within XXXX mins of getting to the room in the ER, the hospital admin comes around to collect insurance info. which I happily gave. The ENTIRE visit was covered under my insurance EXCEPT for some reason the XXXX XXXX Cat scan ( which is covered under my insurance ) I guess they were just too lazy to run the insurance. ever since then I have fought this in EVERY way possible, disputed it with XXXX XXXX directly, then their collection agency Eastern accounts, I have disputed it with ALL 3 credit bureaus .... Shown proof that 1. That entire hospital visit was covered OTHER then this 2. My insurance was 100 % active and 3. My insurance covers 100 % of radiology.. no one cares, they just want to get money from hard working people.

Then to add insult to injury when you call and dispute it directly they ask for " information '' about you pretending to help THEN on the next dispute the info you gave them shows up proving its your debt!!!! underhanded

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 2021-10-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had lab work done at XXXX XXXX during XX/XX/XXXX. My medical information was shared with a collection agency, Account Resolution Services, now I am be charged {$2000.00} since XX/XX/XXXX. I've attempted on two occasions sending letters to ARS for debt validation on XX/XX/XXXX, and XXXX, and each time the company has failed to validate the debt bearing proof of my signature or any contract I signed for ARS to have authorization to collect a debt. Instead ARS has sent a notice of amount due and medical information, services of lab work done which I know is a direct violation of HIPPA regulations. I've written the three credit agencies on XX/XX/XXXX, explaining that ARS has violated my medical rights committing a HIPPA violation, did not validate the debt or have proof of my signature, and to correct my credit file. As of today only XXXX has corrected my credit file. Now I ask that you investigate this direct form of violation and please delete this information from my credit file and cease all collection activity 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