BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have requested for Equifax to remove a fraud alert numerous times and they refuse to remove it. I have provided them the necessary identifying documents and they still will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft 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 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 2021-04-13
Company: Southwest Recovery Services, 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:
This account has not been proven to be mine, I don't know what this is. I don't want this gone from my report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$36000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of  verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-ACCOUNT- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$36000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: Empowerment Ventures, LLC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On X/XX/17 I entered but dispute for a transaction that was made in Michigan unauthorized by me I have called 83 times and spoken to 17 supervisors and they tell me it will be resolved in 24-48 business hours but I never hear back! This is not the first time this has happened and I currently have three open to disputes of which two were shown favorable by mail and I have yet to be credited to my account. One letter indicates that I received a credit on XX/XX/XXXX but I never dead and the only reason I have not closed my account is because my XXXX check goes on to the card. Last year our money was lost for a long period of time so I 'm phones never returned but this year I ca n't take any losses I have been a customer for over 10 years in the last three years I believe that the company has been running up at the goalie not resolving disputes and not crediting phones they send us all a circle of phone calls with foreign agents and you can never get your money back or get anything resolved. I 'm afraid and needs those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: NCB Management Services Inc.
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:
Actions taken by me : In XX/XX/2021, I became aware of this collection by NCB Management on my credit report. I had received no letters, phone calls, or any other forms of communications from NCB Management pertaining to this account. 

The alleged debt 's original creditorXXXX XXXX / XXXX XXXX has never ever been on any of my credit reports as a credit account. There was never a credit inquiry for the alleged debt. 

In XX/XX/2021, I had sent a debt validation letter to NCB Management. ( see attached letter ). 

In early XX/XX/2021, I had a letter stating that they failed to validate the debt, as they had not responded to the debt validation letter. 

In late XX/XX/2021, NCB Management responded 45 days later. NCB Management responded with what appears to be an online application, loan history, and payment history. 

The information contained fraudulent information, such as a fraudulent address in Michigan, XXXX XXXX XXXX, XXXX XXXX, MI 3which I have never used nor lived at in my entire life. 

Upon receipt of response, I called and spoke with XXXX XXXX to inform him the debt was not mine and he argued with me. 

I followed up with an Identity Theft Report, once I found other fraudulent items opened in my name. The other fraudulent issues have been resolved. 

NCB Management has been taking their time on this matter. Additionally, NCB management has mail being forwarded from their XXXX, PA address to their XXXX, PA address, which is delaying mail even further. 



See attached document : Written Correspondences to NCB Management Tracking Numbers Validating Written Correspondences to NCB Management USPS Tracking Information For Letters Sent to NCB Management This debt is not mine. I have also highlighted the issue for the CFPB to see on the attached information received from NCB Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My husband and I are currently on unemployment ; it is our only source of income. I withdrew {$1400.00} from both of our unemployment debit cards around XXXX on XX/XX/2021, at our local Bank of America branch, located at XXXX XXXX XXXX XXXX in XXXX, AZ. When I attempted to deposit that amount into our joint checking account, the ATM took our money, didn't deposit it, and gave us a slip with a number to call. 

I called Bank of America, after going to the branch and being directed to call that same day. Upon calling, they said they would credit our account within 48 hours. Again, this is our only source of income for our family of 4, with two small children under 4. I said this was unacceptable, we need this money to survive, your ATM took our money, put the money in our account immediately. They said they " escalated '' the matter, and that a manager would call back within 10 minutes. It's currently XXXX on the XXXX of XXXX, 2021, and no call has occurred nor money credited to our account. 

I've come back to this on XXXX of XXXX, around XXXX local time in XXXX and our account has yet to be credited. I called again, and Bank of America is now saying that we need to wait TEN MORE DAYS for them to conduct an " investigation '' to prove that they stole our money. They also " denied '' our attempt to escalate our claim. Again, this is the money we need to feed and clothe our children. We CAN NOT wait 10 days to have our money back. We're desperate.

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 2022-09-06
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:
Ive filed multiple disputes with Transunion regarding an account thats being reported by XXXX XXXX University saying that I have a loan with them. I do not presently not have I ever had a loan directly with XXXX XXXX University. Ive tried to address this directly with XXXX XXXX as well as dispute this issue through the bureaus. I have never signed any loan documents nor a promissory note with this creditor, yet I have asked for documentation to prove this loan their reporting belongs to me or for TransUnion to remove it from my credit report. 

The creditor has never provided any documentation or loan documents with my signature as requested to me or to TransUnion and yet TransUnion refuses to remove it from my credit report. I just want TransUnion to remove it from my credit report because I dont have a loan with XXXX XXXX and never have.

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 2022-09-06
Company: Capital Accounts, LLC
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've received an attempt to collect a debt from Capital Accounts , LLC for a medical device billed from XXXX XXXX. They had tried to reach me at an old address ( which was listed with a forwarding address but never forwarded ) and the company has my new address on file. After emailing me I discovered this debt collection attempt was for a medical device that was never originally billed to me. I have asked they send me a copy of the original bill and they refused to send it - stated over the phone. 

In my attempts to discover why this is being collected, my insurance ( UHC ) at the time shows nothing was ever denied for my dates of service in question, XXXX XXXX, and both my physician ( XXXX ) and the facility ( XXXX XXXX ) XXXX a XXXX balance on my accounts. 

I believe this is a fraudulent claim but can not gain traction with Capital Accounts to determine how to have the collection removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Due to XXXX XXXX own negligence they allow someone to open several accounts in my name and because they did n't take the proper protocol I have several accounts on my report that they wont remove. I will not give any company a dime and I wasnt responsible for spending the dime. I have contacted them on several occasions to fix this matter be for I take legal actions against the company.This is having a negative impact on my credit. Why would anyone open so many accounts at one time and that doesnt give the bank a red flag XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: GA
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 am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

Accounts.. 
XXXX XXXX XXXX XXXX XXXX XXXX ... DATE XX/XX/XXXX XXXX XXXX. DATE XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Lawrence A. Patish, P.C.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I called the office to request the balance of my judgement. They gave me the total balance. I asked what the balance of my judgement was again, she gave me the total. I said, " how many payments have I made towards my judgement '' she told me, " that was what the receipts were for. '' I asked to speak to her supervisor, her supervisor did not want to hear how rude the collector was to me, she ALSO gave me the total amount. I asked her for just the judgement, she began to tell me how I should go about requesting the judgement amount. I let her know I asked her em ployee 3+ tim es and her twice and if someone could just give me the total amount of my judgement only. She gave me the judgement amount FINALLY. I hung up and as I was hanging up called them jerks. When I called back and asked to speak to the attorney, I was yelled at and told that THEY would n't be treated that way. Not one time did they ever give the mini miranda. The supervisor never said it, neither did the collector. I am pretty sure that is required for every collection call. They also never verified I was who I said I was. Not an address, a  SSN  a birthday. They could have essentially been giving my information to anyone who called.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I, the consumer did not authorize or give any written consent to the said company to furnish anything on my consumer report or to have my private information.

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 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

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 2021-09-23
Company: Strategic Alliances, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone used my stolen driver license to fraudulently rent a vehicle from XXXX XXXX. Unfortunately, the rental car company employee did not properly verify the identity of the person who did rent the vehicle. That person also paid with a stolen credit card. 

I have already discussed this matter with an investigator from XXXX XXXX and another employee from XXXX. Both have assured me that the matter had been resolved. 

Additionally I have sent debt disputes to XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, XXXX. 

Despite the conversations and letters, these companies have continued attempts to collect a debt that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: CURO Intermediate Holdings
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Some is using my information to get loans cars and other things Im finding out as I check my credit report Im a single mother trying to get a mom for my kids and this is making it hard for me and my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My XXXX has a credit card with Synchrony Bank he XXXX  away in XX/XX/XXXX suddenly, he was hospital from XX/XX/XXXX and never returned home to continued enjoying our retirement, we both decided that we would stay home and enjoy the rest of our life. I lost my job due to XXXX, my XXXX had already retired. This was great, we both work hard send our kids to school we were living the American dream. 
My husband was loosing his hearing and he decided he should get XXXX  XXXX, he did visited XXXX XXXX  XXXX they fitted him with a hearing aid and told him he was approved for a credit card that will pay for XXXX  XXXX. He did get the card and made payments to the credit card company, when my XXXX was hospitalized I took over the role of paying the bills and that included his credit cards hoping he will be home and resume paying off his obligations. After he XXXX I reported his passing to he XXXX XXXX XXXX, and was told to donate the hearing aid and to inform Synchrony Bank. I did and provided them with a copy of the death certificate. They continued to send me bill in my husbands name after numerous attempts advising that my XXXX is XXXX, they started sending the bill in my name. I never applied nor did I received a card, I was not a co-signed on he account. Synchrony Bank has reported me to numerous credit bureau without my knowledge, I am unable to secure credit, In addition I had XXXX other cards, which was closed without my knowledge. 
On Friday I received a letter from and Attorney XXXX XXXX XXXX XXXX XXXX asking me to respond by XX/XX/XXXX to dispute all or part of the debt, stating if a judgement is received in court I can lose Social Security, unemployment benifits and and several forms of income to repay his debt.I live on Social Security the house In is my only place of resident and I am struggling to make ends meet. 

Thank you, Kindly Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Comenity Bank - Bjs XXXX I have had this card for years and have used it for purchases and zero interest balance transfers multiple times. I always pay my balance in full. When I have an existing zero interest balance transfer I pay my minimum payment plus any new charges on the statement and receive no interest charges. XX/XX/22 statement included a XXXX $ minimum interest charge. I had to communicate twice and threaten legal action to get a XXXX $ refund. XX/XX/22 statement I paid XXXX when my prior statement balance was XXXX. However they applied the payment to new charges and not to prior statement balance and charged me {$5.00} interest, It appears to me that there has been a software change resulting in them overcharging interest to all of their customers. They are aware of this and have made not effort to remediate it. punitive actions would be appropriate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-23
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: Account information incorrect

Complaint:
XXXX XXXX XXXX purchased this debt from XXXX and decided to temper with the original dates. I contacted XXXX to inquire about the date of delinquency in this account which was the first day after I missed a payment XXXX XXXX 2009 and should have been reported within 90 days .this account should be in default After I did n't make a scheduled payment for a period of 270 Days from last payment according to federal Regulation. I included documentation for payments schedule and proof that XXXX got no payment past the date stated above and admitting to the last payment date ... XXXX XXXX XXXX provided fraudulent information to the credit agencies to default the loan at a later date so the status of limitations can be changed giving them a longer time to try to collect. Negative account information should not be reported after 7 years from the delinquency date which was XXXX XXXX 2009. Yet till this day XXXX XXXX XXXX is posting negative information and their customer service is unaware of federal regulations and ignore my submitted documents that I provided. XXXX XXXX XXXX should remove all negative information from all credit bureaus since the delinquency date was more than 7 years and no payment have been made since. Legal action will follow for this fraud.

Company response to consumer: Closed with non-monetary relief