BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-24
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am a victim of fraud, I have had multiple accounts opened under my name, social security number and an address that is not mine. I alerted Experian to start disputes and made a police report. According to my credit records a XXXX XXXX XXXX account was opened under my information in XX/XX/XXXX without my permission and knowledge with the outstanding balance of {$980.00}. I made the police report on XX/XX/XXXX, then called XXXX XXXX  on XX/XX/XXXX to discuss the account that is not mine and the worker simply told me my dispute was denied and I was responsible for paying the outstanding balance with zero explanation. I then mailed XXXXXXXX XXXX a copy of the police report with my information on XX/XX/XXXX to which no one got back to me on.

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 2023-09-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
on XX/XX/2023 XXXX XXXX XXXX sent correspondence to the Florida department XXXX XXXX in regards to any contract as it pertains to any debt claimed. 

RE : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON FLORIDA DEPARTMENT OF REVENUE CONTRACT, FOR DETERMINATION OF 'MEETING OF THE MINDS, ' 'FRAUD ON THE CONTRACT, ' AND OR AN 'UNCONSCIONABLE CONTRACT ' AND/OR AGREEMENT FOR COMMERCIAL DISCHARGE, Account/Case No. XXXX, AND XXXX This correspondence was sent via XXXX XXXX mail, and received on XX/XX/2023 at XXXX XXXX XXXX XXXX, FL XXXX XXXX provided Phone Number ( XXXX ) XXXX - XXXX XXXX XXXX as the executive director, nor any authorized representative for THE FLORIDA DEPARTMENT OF REVENUE has responded to the claim in the time provided in accordance to law. This has been disputed with all three credit bureaus, Experian, XXXX, and XXXX to no avail.

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 2023-09-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX  Balance Owed : {$340000.00} XXXX XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$340000.00} XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$340000.00} XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXXBalance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Ideal Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection agency is trying to collect a debt from me that does not belong to me. Previous complaints have revealed that the collection agency wants to obtain information from me in violation of the law regarding collection agencies, namely, obtaining my government issued ID and filling out a legal form provided by the agency is a violation, in addition, this data will be used against me, since the agency does not have any evidence of my debt, except for public information that can be found through any search engine on the Internet. The provided handwritten contract, which is evidence, does not contain my signature, or rather there is a signature, but it is not mine, the evidence also contains Form XXXX in the name of a citizen of the XXXX XXXX , although I am a citizen of the XXXXXXXX XXXX XXXXXXXX XXXX According to my rights and the law, I am not obliged to provide the documents that the collection agency requires from me, and the collection agency does not have the right to demand these documents from me. According to the law, the report I provided is official proof that this debt does not belong to me. In turn, I have also filed a complaint through a XXXX  state attorney with the credit bureaus and will be preparing a claim against this collection agency. This record has been on my credit report for quite a long time and has caused me a lot of losses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: The Bureaus, Inc.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Bureaus Inc, has stated per " No. of Months ( terms ) '', I have a '1 month term '' with them for account # XXXX. This is incorrect. This was charged off by XXXX XXXX, there are no more terms with them. What terms and agreements did I sign and agree with The Bureaus when they purchased this debt? None. So this is inaccurate. ( Please note : even the 2 year payment history states " CO '' /Charged Off, so no payments past due to The Bureaus ). Please send proof of contract signed with The Bureaus for this " 1 month term '' that I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of Identity theft and I did not make the charge. I asked 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 commissions Identity Theft affidavit. Please delete the items as soon as possible.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed XXXX {$120.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX  Balance Owed : {$8000.00} XXXX XXXX XXXX Balance Owed : {$9.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX  Balance Owed : {$430.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$120.00} XXXX  XXXX XXXX XXXXXXXX Balance Owed : {$24.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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 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 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 have 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 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 seven 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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  account name XXXX account number XXXX and account name XXXX  XXXX XXXX account number XXXX and account name XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX has violated my rights 15 u.s.c 1681 section 602 A. States I have the right to privacy. 

15 u.s.c I am 1681 section 604 A. Section 2 : it also states that consumer reporting agency can not furnishing 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 explanation
Consumer complaint received 2023-09-05
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had the same credit card account since XXXX  with Citibank. I am a good paying customer and am XXXX old and in the process of moving. I really need my card to make the transition smoothly. 

Recently I tried Citis autopay monthly using their third party service. First month didnt go through because it takes two months. This was not indicated anywhere so of course no payment. Representative said I should have known. How? When I found this out I immediately paid that month by phone with their representative providing my bank account information and was assured autopay would work for the next statement. Again the payment did not go through for that month.

Now a new bill for two months had been generated and I was told the problem was with my bank. I contacted my bank and was told it was not a problem on their end. I called Citi with this information and they waived late fees and suggested I try to reenter all my information with Citis third party service. I did and it took several tries but the full two month payment finally went through.

Next thing I know I tried to use the card and it was rejected. I called Citi and was told their policy is to close an account that has missed two payments. I was working with them on this the whole time and it was their service that wasnt working. I voiced how outrageous this was and asked for my account status to be reviewed and reopened. Just received an email this last week indicating they will not reopen the account. 

I am asking that you intervene so that my account be reopened for my move. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My daughter, XXXX XXXX, is handling this matter for me as I dont hear well. She is an authorized user on the card.

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 2023-09-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company does not have a contact number via my credit report. XXXX has confirmed this also each of the 6 times I disputed the account. I constantly request to have a bill sent to my house or email or even a phone call. But i never get anything. I dont know this creditor. Ive never heard anything about them or from them. There is no contact information. This was not me. The amount for {$590.00} thats saying I owe, I do not. I dont not know this fraudulent company nor how they got my information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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 SECOND 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 ITEMS. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX ; XXXX XXXX XXXX Balance : {$2.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  Balance : {$420.00} ; XXXX XXXXXXXX XXXX XXXX : {$270.00} ; XXXX XXXX XXXX  Balance : {$10.00} ; XXXX XXXX  Balance : {$0.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3100.00} ; XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$170.00} ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
PLEASE REMOVE FRAUDULENT UNAUTHORIZED INQUIRES TRANSUNION : 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

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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter to Transunion on XX/XX/2022, requesting to investigate and verify the accuracy of the accounts on my Credit Report. These accounts are reporting erroneous information on my File. Despite the previous written requests sent to Transunion, they seem to simply ignore my appeals by not responding to my letters. I have contacted the furnishers one by one and they agreed to remove the accounts from my file. But then Transunion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When being asked why they're not accepting the dispute letters and complaints, they claim they have an internal policy ( which is XXXX FCRA laws ) and they're unwilling to explain why. I needs these accounts remove from my file based on FCRA laws : 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 non-monetary relief
Consumer complaint received 2023-08-03
Company: Blockchain.com, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
I had a check that was sent our from the irs on XX/XX/ and it was for XXXX and this lady named XXXX XXXX and a guy named XXXX XXXX has gained control fo my check XXXX XXXX took money out my apex investment hub account and told me that she and XXXX XXXX paid to have the money concealed as taxes and I got to thinking that taxes was filed in my name and so I said to the XXXX XXXX I wanted my rmtaxes and they got mad and said I want suppose to call it taxes it was XXXX check but from my knowledge it was mailed from the irs and my child support was taken out XXXX taken out and they have taken my XXXX accounts by the directive of XXXX XXXX XXXX and he told her to take me accoutnof mine and my kids down and transfer to him as well as my irs federal tax return of XXXX and she changed my address in the irs online portal and had the check sent to a Pennsylvania address in a public housing unit inwhich I living in tennessee at XXXX XXXX XXXX XXXX tn XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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