BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-29
Company: EQUIFAX, INC.
State: TX
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:
I am requesting that you allow me to validate the " XXXX '' alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: CB1, Inc.
State: MT
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 collection agency is reporting bad debt on my credit reports. Cbb collections XXXX XXXX XXXX XXXX XXXX XXXX  MT ( XXXX ) XXXX. XX/XX/XXXX {$190.00} XX/XX/XXXX {$180.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$92.00}. the company refuses to provide documents or proof. They only say pay it. It is not my bill and if and or it is somehow they have divided it into 4 different claims to intimidate me to just give th money I didn't my have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: LoanCare, LLC
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: Account information incorrect

Complaint:
I demand the 30-day late marks reporting to my credit reports in error be removed right away. The 30-day late marks from XXXX and XX/XX/XXXX arent valid and are having a large negative impact to my credit scores and my ability to qualify for a new mortgage at the best interest rates. 

The XXXX mortgage loans ( accts : XXXX, and XXXX ) both show late payments for XX/XX/XXXX. XXXX loan acct XXXX was transferred to LOANCARE mortgage loan ( acct XXXX ) and shows a 30-day late payment for XX/XX/XXXX. Both the XX/XX/XXXX and XX/XX/XXXX 30-day late marks are completely invalid, and I demand for them to be fully removed from my credit history. 

I have attached the related, redacted copies of my bank statements showing each on-time payment made from XXXX of XXXX through XXXX of XXXX as evidence neither of my accounts were ever 30-days late, and the reporting is INACCURATE. 

This servicer was XXXX, they are no longer in business having gone into federally approved bankruptcy in XXXX. Additionally, when I researched the company, I can see they had a class action lawsuit filed against them for misreporting missed payments, so it appears they are damaging a lot of consumers credit reports wrongfully, not just mine. 

I would appreciate your assistance in investigating this manner right away and getting these late marks removed fully from my reports. 

As required by the FCRA, all aforementioned information/disputed items that are obvious errors must be deleted from my reports. 

As stated in the FCRA, or Fair Credit Reporting Act, Section 609 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 4 ) The dates, original payees, and amounts of any checks upon which is based any adverse characterization of the consumer, included in the file at the time of the disclosure.

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 2019-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Identity theft victim

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} 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 2015-05-11
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX agreed with me and deleted the XXXX I think it was out of the XXXX that I disputed off my report but XXXX and Experian will not. Please help. They are from XX/XX/XXXX/XX/XX/XXXX and are over 10 years old

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Recently while conducting a monitor of my credit report I discovered some items that have unverifiedinformation. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall releasing myinformation toathirdparty. 

1.Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you.

3.Cease any credit bureau reporting until the debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency

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 2016-08-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have submitted many claims to Experian with regards to this XXXX account reporting on my credit file. This account was stolen and fraudulent transactions took placed. Please remove this account from my credit file. I have submitted Fraud Affidavits to XXXX and to 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 2016-12-29
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. I had filed a dispute with Experian but there has been no update. I need these hard inquiries off and seems like there is nothing that has been done. 

The hard inquiries are XXXX XX/XX/XXXX, XXXX is one there twice when it is only suppose to be on there one time. I do have a credit card with them. Also XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-02-27
Company: CORELOGIC INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Core Logics, XXXX, ( XXXX ) XXXX XXXX XXXX, XXXX XXXX, & XXXX where all told to put freezes on my report and also delete all old address off of my report ( XX/XX/2023 ) because of illegal actions and Identification Theft. All charges on my credit line are not supposed to be there I have never put anything on credit nor signed up for so much as a credit card until this year.

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 2016-06-28
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I can not get a credit report from experian without paying for it.

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 2022-03-16
Company: Experian Information Solutions Inc.
State: DE
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:
On approximately XX/XX/22 I applied for a XXXX XXXX credit card via an email solicitation ( having previously had a savings account with them ). On XX/XX/22 I received an emailed letter from XXXX XXXX stating they could not open the account due to being able " to validate my identity ''. I have attached that letter to this complaint. XXXX XXXX was able to make a hard credit inquiry on my Experian report on XX/XX/22 lowering my credit score. It is absurd to state that they can not open an account due to being " unable to validate my identity '' yet still create a hard inquiry on my Experian report. 

I have previously communicated with XXXX XXXX as well as disputed this hard inquiry with Experian with no success.

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 2015-11-05
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/15 on EXPERIAN. I did not authorized anyone employed by this company or at this company or EXPERIAN to make any inquiry or inquiries and view or show my credit report to anyone, person, company, entity, business, co, corp or similar. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof Bearing my Signature or Request in Writing that I authorized them to view my credit report, then I am demanding that EXPERIAN remove the unauthorized and fraudulent hard credit inquiry immediately from my EXPERIAN credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
nothing I keep having credit rating value declines. It has caused me to pay higher deposits on an apartment.

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 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-07-12
Company: EQUIFAX, 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:
" THIS IS NOT A DUPLICATE NOR IS THIS COMPLAINT BEING FILED BY A THRID PARTY. I AMFILING THIS COMPLAINT MYSELF. PLEASE SEE THIS COMPLAINT IS PROCESSED TO THELETTER OF THE LAW '' All three credit reporting agencies ( Equifax, XXXX & XXXX ) are failing to comply with FCRA laws & sections. Over the past few years I've informed them I was the victim of identity theft and numerous accounts were opened due to it. I've provided them with the required documents ( identity theft report, drivers license, address document & copies of the credit ). Each has claimed they verified the accounts without providing any verifiable proof. Since things have become so stressful, I finally ask my local police dept to take a report of the incident. I'm attaching everything again in hopes you can support me in getting the following accounts removed - XXXX XXXX # XXXX, XXXX, XXXX & XXXX. Please see the following accounts are removed/blocked and/or discharged from the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: Southwest Credit Systems, L.P.
State: PA
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:
I saw a credit collection with South West Credit System and original creditor I saw XXXX on my account. I have never open account with XXXX and I have called XXXX they I have no account with them. I have also called south West Credit System they also said I have no account with them too. So I 'm making this complaint so that that information to be remove from my credit report. I disputed with XXXX and they have taken the irregularities or collection from my account but still shows up on my XXXX report. So I want it to be taken off from my credit report. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: ID Analytics, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
SageStream , LLC on XX/XX/2020 shows that my credit report had to many inquiries along with a multitude of other things in my credit score that just aren't true. The list includes : Unacceptable account history. 
Unacceptable credit history. 
Insufficient credit references. 
Limited credit experience. 
Number of recent inquiries. 
They also ran my credit without my permission but that is another case that's pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had ordered a shirt and two wallets from XXXX XXXX back in XX/XX/XXXX for the amount of {$1200.00} being charged on my gold American Express card. The signature was required which is great because my parents were home. I got home from work and the box was tampered, it had a slit on the side with tape.. i took pictures before i even opened the box. As i was opening the box i started to take more pictures because i noticed the only thing inside was the wrapping paper and thats all. None of my items that i ordered were there and so i then called to see what was going on and my American Express opened a dispute on this, i just got rebilled for the full amount Im not sure why and i dont understand how either. They spoke to someone in the dispute department and told me that XXXX said on their end that the package was delivered. YES the box was delivered but with nothing inside and it was tampered. How is that my problem? I dont understand how i have to be liable for something i never received. I still have the pictures i took so Im attaching them to this. Thankyou

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12
Company: Berman & Rabin, P.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 {$6500.00} Attempted to contact company and no response. I have no idea what this debt is in regards to, as I do not have any accounts in collections. Nor, do I plan too. This sounds very suspicious to me and the fact that I couldn't get anyone to talk to me. 
Law office of Berman & Rabin P.A. 
XXXX XXXX XXXX XXXX, XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I filed a complaint on here a few weeks ago XXXX XXXX XXXX XXXX and also had the CFPB send a copy to the original creditor JP MORGAN CHASE BANK. Ive gotten a response from chase stating they they are not the appropriate company to address this issue. In the letter frome XXXX XXXX XXXX XXXX which was attached states the Chase is there CLIENT. Also XXXX XXXX XXXX XXXX use lawsuit as a fear tatic and is perceived as a threat. In a response ARS STATES they have no control over the account which is funny why are you contacting me saying your is client chase and chase states its not there problem. Both XXXX XXXX XXXX XXXX and JP MORGAN CHASE BANK responses conflict with one another and is a direct violation of my rights using fear tactics and not one company addressed the situation. Lastly XXXX XXXX XXXX XXXX said for me to contact them to discuss more info but how if you dont own the debt as stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The date was XXXX/XXXX/2019. At that time $XXXX.XXXX  which was going to be paid with arrangements that was made. But they came out with no warning they took the car,the morning of the arrangements. Repossessed it. Added extra fees, which I was unable to pay to get vehicle back. Now they are saying I owe even more money, over $1000.00. First of all they were wrong for even taking my vehicle. As I had already made arrangements with different custormer service reps. Wrong fully repossessed car. I'm not able to pay.  Thank you. 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