BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-25
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit karma a year ago and seen that I owe Capstone Credit & Collections {$5100.00} for the original creator name XXXX XXXX XXXX XXXX  XXXX I XXXX the creator and these are apartments in my city. For starters Ive never had an apartment Im XXXX XXXX XXXX. Second I was able to access a site a year ago that gives me a full credit report and I seen on there the year that account was opened was between XXXX, one of the four Im not sure what site that was to go back and check but between those years I was between the ages of XXXX and I believe in Florida you have to be 18 and older to rent or lease or own anything. Also Ive lived with my grandmother my entire life and those addresses should be documented several places like school, doctors office, mail, and more systems I can even provide you guys with all of the addresses Ive stayed at in my life. Ive never known anything about credit until I turned XXXX thats when I began to check to see hows mine doing just to find out theres debt that could possibly effect me and my wants and needs because someone used my identity for their wants and needs and thats not fair. I contacted Capstone collections directly I even sent a written letter to them and I was trying to follow up with them throughout the entire process and there was a lady that I spoke with that was being rude the entire call when I was asking questions she told me You know where this comes from and hung up in my face I was very shocked because thats very rude to tell me I know something my that I dont know anything about so I made a police report so they could investigate and get to the bottom of it but nothing else happened after that so I gave up for a while until I realized that false debt will affect me Im XXXX and still learning a lot of stuff. I also contacted the credit bureaus thats who gave me the number and site to report the debt and here I am now looking for helpful solutions. I believe this collection needs to be removed from my account because it is false and I can provide you guys with any information you may need to further assist me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  account # XXXX, has violated my rights. 

In addition, 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 : also states consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: EQUIFAX, INC.
State: NJ
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:
I have been sending letters for more than 3 months to eliminate some errors or negative elements of my credit and the bureaus have not given me an answer. I feel like they are ignoring my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Experian Information Solutions Inc.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-12-05
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I need help with my account. I've been trying to get a hold of someone and get it figured out since Friday morning. I can't get a response on the app or via email. This is regarding my acct : XXXX XXXX. Email is : XXXX. Chime tag : $ XXXX XXXX I have an open support request ticket on the app and that number is : XXXX. Social Security Administration released my XXXX payment to Chime on Friday XXXX and it's no where to be found. The XXXX person I was able to get a hold of briefly just told me that you don't have it yet, you don't hold deposits, etc.. All the stock, default messages. I sent the proof of the payment being released to Chime also and verified with Social Security Administration that the routing and account numbers were correct. I'm just over the top stressed and in tears over this, as that's my only income and my bills are late, I had to cancel an important meeting regarding my late mother 's estate, due to not having any funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Once again they will not give me my credit report like the law says. I requested the report and this is what I got it's attached. How long do I have to go through this. It gives me no faith in there system and makes me believe that it's being manipulated to go against me. This is the third time at what point do someone step in. Telling me the condition that prevents them from giving me my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: EQUIFAX, INC.
State: NJ
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 consume rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX  XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 2022-08-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After sending a debt validation letter to Portfolio Recovery, I received a response letter that did not include any documentation confirming that I am responsible for the debt. It did not include an original contract, personal identification, signatures, or other verifiable documents. The response only included a billing statement. In addition, a representative admitted they did not send the necessary documents initially, thus putting them outside of the allotted 30 days to respond. This is a direct violation of my rights under the FCRA Law. 

The continued reporting of negative information to all three credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. To resolve this situation, I ask that you investigate this matter and delete the account accordingly. 

The item that appears on my credit report : Portfolio Recovery XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: The CBE Group, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is unbelievable. I already did this earlier in the year for both of these companies! 

XXXX XXXX continues to send a false collection to agencies seeking payment. 

They appear to have a fraudulent system in place to automatically start phone services on devices purchased from their website. 

In XX/XX/XXXX, I purchased a phone from XXXX XXXX. The device was returned, services were not activated, and credit for the purchase of the device was issued. An online account was never created, despite customer service representatives trying to force this in order for me to accept whatever terms, conditions and privacy policies they had. I refused. 

XXXX started the phone service for the device automatically and continued charging an account I did not create or authorize. This happened for months. I contacted XXXX and after hours of being transferred around, I was told the account would be closed and a credit issued. 

This did not happen. They continued billing this false account for a phone service never activated. Attempts to reach the XXXX billing department were useless. They would not answer calls being transferred to them. 

Then I received a debt collection with an amount even greater than when I was told the " false '' account would be closed and credited. More attempts to resolve with XXXX were a nightmare. The credit agency wanted proof and refused to investigate. XXXX was claiming they could not do anything now because the account was handed over to collection. 

After hours of being transferred from one team or supervisor to the next, eventually, a representative investigated and confirmed ( again ) that the device was returned, and services were not activated. Apparently there are notes when this was supposed to happen the first time I was told the account would be closed and credited, but it never happened. XXXX again told me the account would be credited and closed. She also sent me an email stating this, which I then forwarded to the first debt collector, XXXX. 

Now XXXX has sent the collection to another credit collection agency, CBE Group, again. They were the first group trying to make a collection. This is now the 3rd collection attempt between two different collection agencies being used to transfer a false debt back and forth! I filed a complaint here on XX/XX/XXXX which clearly has been ignored by XXXX and the debt collectors. 

This is full on harassment and fraud from the start. XXXX appears to have a system in place that automatically begins services that a customer did not authorize, simply based on a web purchase. Attempts to resolve are nearly impossible and now they are using debt collectors to send a false collection from one collector to another. 

I have lost many hours and days of my life chasing this issue which is going nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: EQUIFAX, INC.
State: PA
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:
XXXX this is reference to this complaint number. MY NAME IS XXXX XXXX XXXX XXXX XXXX I AM A NATURAL PERSON AND A CONSUMER FILING THIS COMPLAINT. DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME. I RECEIVED A LETTER FROM EQUIFAX DATED XX/XX/XXXX. ATTACHED IS THE LETTER WHERE EQUIFAX IS IN VIOLATION OF THE 15 USC 1681 ( C ) ( 2 ) WHERE THE AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES THAT RESULTED FROM AN ALLEGED ID THEFT. 

THEY ARE REQUESTIONG FOR ID WHICH WAS SUBMITTED WITH MY FTC REPORT # XXXX RECEIVED ON XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Much like all Americans I fell into hardship during the pandemic. I lost my husband during this time and there was much emotional damage and financial hardship. I fell behind and ended up in foreclosure. I then hired an attorney to help me try to save my home. My attorney 's office called my lender on XX/XX/XXXX. The lender advised that my loan was modified in XXXX and no COVID forbearance. My attorney 's office asked if my lender had made me aware of my options regarding COVID assistance for my FHA loan. My lender said they don't know if any correspondence was sent out. I am very upset that I may have ended up in foreclosure after losing my husband due only to my lender 's decision not to tell me of programs that would have helped. My attorney 's office also told me that FHA has post COVID assistance that I could have qualified for. I would like to know why my lender withheld information that could have helped me. Thank you.

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 2023-10-25
Company: EQUIFAX, INC.
State: CA
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:
I am Submitting a complaint to you regarding account number XXXX from XXXX XXXX XXXX XXXX. I am the person making this complaint & I give CFPB authority to investigate this claim. I do not have any such account with that company and I have tried to dispute it directly with the company, to no avail. 
I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: ProCollect, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pro-collect made an inquiry against me damaging my credit on a debt that is not legitimate and in dispute ( an extra XXXX} ). I paid my balance in full on the exit of my apartment complex when I turned in the keys and was told I had zero balance which was also shown in the resident portal ( Elements of XXXX XXXX in Florida, which is owned by XXXX properties, but they sent me a bill going through the wrong date ( a week later than the correct date. My last day was confirmed as XX/XX/XXXX which I have a signed sheet saying and provided it to procollect. The bill they are looking at does not provide an explanation, but they won't give it the time of day to look into it. I asked for them to provide some documentation to show that I owe the debt but refused to reason with me. The entire alleged date all rests on the date they have not matching the date I have on my signed sheet. The Property Manager and Assistant property manager who I was working with no longer work there. The amount generated on my exit was paid by money order and shown in my bank statement screen shoot attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no knowledge of these accounts that are reporting to my consumer report. 

NAME OF ACCOUNT : 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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 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 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 2023-08-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was on vacation with my wife and suddenly our bank account was sending money to people we dont know. People in XXXX XXXX and XXXX and other places. I complained to the bank and they said it was thru XXXX and that it is totally secure so it had to be me. 
I never send thousands of dollars to strangers, let alone my own family. Im out {$2000.00} for 6 months now and I just learned about you guys. Please tell Chase to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Experian Information Solutions Inc.
State: FL
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:
All of my student loans have been paid in full! I have the documents to prove it. Please report this to all 3 agencies.

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