BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
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:
The name of the fraudulent financial institution is XXXX XXXX XXXXXXXX XXXX This fraudulent account was opened by somebody else on XX/XX/2021 in the amount of {$10000.00} This account is a fraudulent account and I have filed a complaint to the federal trade commission center. Ive sent paperwork and all necessary docs to all 3 credit agencies. From the 3 agencies only EQUIFAX has taken NOT removed this account. Please delete this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had a student loan XXXX. The loan was placed for collection XXXX where it was paid in full. I have attached a copy of my credit report from XXXX showing a " paid charge off '' with XXXX..and a " paid coll '' XXXX. 

This week when my report was pulled XXXX now shows the balance again and " charged off '' on the account. This is a violation of my rights under the Fair Credit Reporting Act Sect. 623 XXXX a ) ( 1 ) ( A ) reporting information that they know to be incorrect. The bureaus have allowed a paid charge off to be changed to a charge off and a paid balance to be reinserted when they know it to be otherwise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I asked a credit card company for copies of my application and they were unable to provide them I presented this to Experian and asked that they remove the inaccurate information or at least request proof from the creditor They stated that they are not required to request proof and they do not require that the creditor submit proof that there word is all they need

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Multiple times per week for the past 2 months we have received automated calls from Penn Credit ( based on caller ID, as they never state their name on the message ) stating " we have a personal message for you. Please Press 1. I did not hear your response. Please Press 1. '' This goes on several times before they 're machine ends the call. 
We have perfect credit and do n't owe anyone any late or unpaid debts. I 've XXXX this company and see that they harass as part of their regular MO. Please have them stop calling. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: Credit Karma, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On my XXXX credit report I have an inaccurate account listed under XXXX # XXXX. I believe this account is recorded in-error due to XXXX XXXX XXXX XXXX policy and/or United States XXXX Regulation on Seperation and Discharge. You can not separate from XXXX XXXX military with an open credit/debt when such debt would be inappropriate and unmanageable by the servicemember or a government agency. You are required to have proof of receipt the account is PAID IN FULL or you will be extended in your time and service until the account is paid, per military regulations, this record makes me the ONE EXCEPTION to XXXX XXXX XXXX Policy and the XXXX Regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Collection Management Company
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This debt was purchased by a debt collector after it was written off by the hospital. The hospital was paid through my insurance retroactively. I do not owe this to the hospitsl, this debt should never have been sold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: SYNCHRONY FINANCIAL
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XX/XX/XXXXmy XXXX account was discharged and I paid taxes on it. I thought it was closed, but it keeps showing up on my account so Im trying to get this account closed and pay anything I need to close it and get it removed from my credit score because Im trying to buy a house and its affecting my credit. I called XXXX this is the number that is on the credit report, but they could not find any record of this account after consulting with several of their departments. Then I called synchrony banks recovery service, which is who sent me the 1099c form to pay the taxes for the discharge, to see if they could settle with me and I could get it paid off, but they also show no record for this account. The identifiable event date on the 1099c is XX/XX/2018 for the amount of {$1800.00} and the loan # is 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 2020-11-29
Company: Bread Financial Holdings, Inc.
State: AR
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 account is still reporting on my credit report after multiple disputes. the credit card company hasnt sent me any information to verify that this account is mine although i know that it is not. They have not responded to my disputes and have been negligent when it comes to resolving this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX, my cousin used my SSN to opened auto loan account at XXXX XXXX XXXX CA XXXX without my permission. I did not notice until my fico score dropped down alot cause he missed 04 times payment. I know it is him because his mom told me that he bought a new XXXX car at XXXX and I find out there was XXXX auto loan in my credit report.I asked my aunt and she showed me the contract, I went straight to the XXXX XXXX XXXX and store XXXX confirmed that is my cousin used my SSN to opened auto loan account.I already reported police but look like they do nothing for my case.My aunt already paid off for his car, but 04 missed payments are still available in my credit record, it make my auto fico score poor now. It is unfair for me.

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 2016-12-16
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
I would like to file a complaint against Transunion, XXXX  and XXXX Credit reporting agencies, I have been communicating with them via fax, mail, phone call for the past months ( since XX/XX/2019 ) to have my credit report corrected and delete what was not supposed to be my account since I was a victim of identity theft. I submitted to them a copy of the police report and all the attachments, XXXX  has not deleted the information that needs to be corrected inspite of my repeated request of investigations and update of my credit report. I am an XXXX  XXXX or XXXX XXXX and I have been having difficulty getting a business loan or any personal loans especially with this COVID 19 pandemic which I need to get a business loan and can't get any approval from anyone because XXXX  is not giving me the right information on my credit profile. Transunion is saying that I currently have no positive score or credit established to give me a score. I am XXXX fico score with Transunion. XXXX  at one time last year reported me as DECEASED and after I called and send them letter for months is the only time they corrected it. Some creditors have told me that they already sent a deletion of the negative information due to identity theft but Transunion and XXXX  is not doing what they are suppose to be doing. I have established 4 years of car loan with XXXX, I have XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX  which I have almost 2 years now with a good payment history and yet Transunion is saying I don't have a positive credit history. Please help me with this problem as I have been dealing with them for a year and one time used a credit repair agency to help me I have paid almost XXXX to help me but the credit reporting agencies have not done anything to resolve the problem. Aside from these 3 credit bureaus, the creditors that I want to file a complain is XXXX XXXX, XXXX XXXX, and the XXXX XXXX XXXX. Thank you so much for your attention regarding this request. I am hoping to hear from you and your assistance with this matter is highly appreciated. Be blessed!

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 2015-04-25
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XXXX XXXX, 2015, I contacted Experian via XXXX in regards to some inaccurate information that is currently being displyed on my Experian credit report. In my letter, which I have also enclosed for the CFPB viewing I included a copy of my Colorado drivers license, and a utility bill, which Experian requested via thier phone message that they have for the consumer when the consumer calls to order thier credit report, if the information they have on file for them does not match Experian records. 

I would now like to take the time to address the letter that Experian sent to me in responseto the letter that I mailed to them with my disputes enclosed. Experian has written in thier letter to me, Dear XXXX XXXX XXXX XXXX, we recieved a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious request are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. Experian will apply this same policy to any future suspicious requests that we recieve regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
I would now like to ask Experian how did they come to the determination that my dispute were suspicious? because I sent the correspondence to Experian, that they requested in order to begin my dispute process! According to the FCRA Experian as they are no doubt aware that what they are doing is illegal, and is in VIOLATION of the FCRA LAWS! 

This is written notice to Experian that thier claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that the addresses, phone numbers, and the erroneous names in which have been illegally displayed on my credit file be verified, and if verification can not be made within the 30 day time frame allowed to Experian by law. The disputes listed in my original complaint must now be completely removed from my credit report. ( Experian will now exceed the time frame allowed to them by law, i sent my disputes out to them on XXXX XXXX, 2015 ). 

Experian legal staff will agree that compliance with this request is required under the laws of the FCRA and Colorado and Federal Statutes. Per the FCRA each disputed item that Experian continues to disply on my credit report, once they have exceed the dispute process time limit, could result in a {$1000.00} fine per disputed item as Experian is no doubt aware.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I was co-executor of my father's estate. He owned property mortgaged through XXXX. I am not signed on the mortgage.
XXXX has been harrassing me with phone calls regarding the mortgage which is not delinquent. The home was left to my brother, XXXX.
I learned by reviewing my annual credit reports that this bank ran a credit report on me on XX/XX/2015. without my authorization.
When I returned their call from XXXX, they told me that they could not talk to me about the mortgage. I asked them if that is the case, why do they continue to call me everyday..
I asked the agent "XXXX" (Who gave "XXXX" her customer service ID) why would XXXX run a credit report on me and she said that "they could do that for collection of a debt."
I told her and others repeatedly that I am NOT obligated to them in any way. I have not signed any papers.
She said that XXXX was not going to remove my phone number until they got the information they wanted. I asked what was the information--again, she said that she could not divulge that because they are not authorized to talk to me!  I repeatedly ask them not to call me! This is ludicrous!
It is unlawful to run a credit bureau report without authorization.
The estate number for the XXXX County Probate court for my father,XXXX is XXXX. The property address that PNC has the mortgage is 3585 XXXX Ohio.. 
The mortgage account number is XXXX. XXXX Federal ID number is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06
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:
remove the vioilations attached The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 XXXX and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ] jpmc : OCC Assesses {$60.00} Million Penalty Against XXXX XXXX, Orders Bank to Reimburse Consumers for Unfair Billing Practices XXXX XXXX : The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. ... As expected, the bank will be assessed a {$1.00} billion penalty from the CFPB and a {$500.00} million penalty from the OCC. no civil violations can count as debt XXXX XXXX : FTC Settlement Imposes {$100000.00} Fine Against Online Retailer for Failing to Post Required EnergyGuide Information for Appliances Agency Files Complaint Seeking {$540000.00} Penalty Against Another Retailer For Similar Violations XXXX XXXX : The FTC also alleges that XXXX XXXX falsely told loan applicants that Investors Have Backed Your Loan while knowing that many of them would never get a loan, a practice that delayed applicants from seeking loans elsewhere. ... The company is charged with violating the FTC Act and the Gramm-Leach-Bliley Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Self Financial Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was welcomed to use a small denomination on a Self credit card As I was XXXX for a long time I called the customed service line while in the XXXX to arrange a payment The representives I talked to refused to assist in effort to submit payment and refused to acknowledge that as I formerly had mobile App access and lost everyhing through local exploitation and refusal of law enforcement to comply with law that arrangement on personal account on App had already account reference for payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was charged by Best Buy for Enhanced Debt Protection, which I never agreed to sign up for. Since XX/XX/2018, I have been charged a grand total of {$240.00}. Attached are the statements which show this charge.

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 2022-09-13
Company: EQUIFAX, INC.
State: MI
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 want to report Identity Theft that has been going on for years without my knowledge. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I have never opened up or authorized. I did lose my wallet back in XXXX. I had my drivers license along with my social security card in my wallet. Someone has been using my identity without me knowing. I never opened an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ive sent in disputes for these items before. Ive went to the XXXX Police Department in Michigan to get police reports made of the theft and Ive also filed FTC reports as well which are both attached below. These last accounts have yet to come off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Revco Management, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Revco Solutions is trying to collect {$720.00} in behalf of XXXX XXXX for a medical device that was paid for by insurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The following incorrect personal information is on my credit report and needs to be deleted. 

Incorrect Names : XXXX ( misspelled ) XXXX ( misspelled ) XXXX ( misspelled ) XXXX ( misspelled ) XXXX ( misspelled ) XXXX ( misspelled ) Incorrect Social Security Numbers : XXXX ( incorrect ) XXXX ( not mine ) Incorrect Addresses : XXXX XXXX, NY 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