BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: Spring Oaks Capital, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I was notified of a debt that was supposed to had been reported on XX/XX/XXXX from a XXXX XXXX  alert for a debt of {$250.00} from Spring Oaks Capital LLC. The account number was not specified on XXXX XXXX but the original debtor is XXXX XXXX XXXX XXXX. I am pretty sure the account is from XXXX XXXX. XXXX XXXX is reported to XXXX by XXXX XXXX XXXX later purchased by Spring Oaks. The balance is shown as {$700.00} opened on XX/XX/XXXX with account number ending in XXXX. Several debt collection companies have contacted me about this debt & I told each and everyone I did not authorize the opening accounts and/of transactions associated with it. 
I received a letter dated XX/XX/XXXX with further details on this account # XXXX from XXXX XXXX XXXX initiated by identity theft after I called last week to notify the company of my denial of this account. This is my second time initiating this fraud investigation and I received an identical investigation decision account ending in # XXXX. I am ready to be relieved of a debt not owned by myself. 
I am writing this report as a statement in writing that this account has been fraudulently opened without my consent. I am very much not responsible for this debt. I am willing to prosecute whoever is found to have initiated this card fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE 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:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2022-05-04
Company: BARCLAYS BANK DELAWARE
State: TX
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 Account # XXXX has violated my rights. 
15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creator may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-01-12
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
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: Their investigation did not fix an error on your report

Complaint:
Under my Social Security Number on my credit report, Experian shows a Bankruptcy claiming the information was provided by XXXX Risk Data Management, and all their investigation resulted being accurate. After following up with XXXX on this item on my report, first XXXX notified me there has been no investigation submitted to them by Experian on this item, and secondly, XXXX investigation resulted in the removal of the item and clearing the Bankruptcy report from my file and notified Experian of the result. However, Experian refuses the removal of this item from my report or reinvestigation of this item on my report. 
I have submitted 2 letters to Experian, 1. From California Central Bankruptcy Court indicating they never report to Credit Reporting Bureau ( See attache ), XXXX. XXXX letter notifying me they have investigated this item and have removed the item from my Report. 
I have also attached a copy of the screenshot from my Experian report showing they received this information from XXXX, and they have also previously claimed they have purchased this information under Bulk information purchase and does not fall within FCRA rules and regulation of personal data must be reported by original source of the information. 
Clearly, Experian has violated my FCRA rights and neglected to properly investigate the information, as well and ignoring evidence and notification from the external source of their date.

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX / XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Dept of Ed/XXXX XXXX ( XXXX  accounts ) 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report contain any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A ( 2 ) states a consumer reporting agency can not furnish my consumer report without my written consent.

15 USC 1681s-2 ( a ) ( 1 ) ) states 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.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

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 2020-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I opened an account with Bank of America. My account was compromised by an abusive partner I was I a relationship with. After I moved away, I received notice that there was a gym membership attached to my account. I contacted Bank of America and they asked for proof. I was able to obtain details of the membership agreement which was completed online. It had the name of my ex partner listed with my banking information. I provided details as well as the gym company providing details. Bank of America has asked for a police report however the state that I have moved to told me that I would have to file a report in the city the crime was committed in. The state that I moved from will not complete the report because I no longer reside there. I have all paperwork, the gym has a photo copy of the person who used the account, and the membership agreement completed online. Bank of America has not resolved this and are refusing to, yet they have reported to consumers by way of my credit report.

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 2022-05-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX / XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Dept of Ed/XXXX XXXX ( XXXX accounts ) 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report contain any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A ( 2 ) states a consumer reporting agency can not furnish my consumer report without my written consent.

15 USC 1681s-2 ( a ) ( 1 ) ) states 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.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
State: MI
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Claim # XXXX and Claim # XXXX denied. 

Last year I contracted XXXX and was XXXX  for multiple weeks and placed on a XXXX. Since then, I have been XXXX XXXX XXXX  of the XXXX  numerous times due to the XXXX XXXX  incurred from XXXX. My recent XXXX  stays occurred from XXXX, XXXX, XXXX, XXXX, and XXXX. It should be noted that XX/XX/XXXX, I was unable to find my driver license and do not know how long it had been missing. 

The purpose of this email is that during and in between my hospital stays fraudulent activity occurred on my debit card. Due to my XXXX, I was not aware of the unauthorized activity at the time. I reported this fraud, but both Claims ( Claim # XXXX and Claim # XXXX ) were denied. I informed the phone representative I can provide copies of medical documentation to provide Wells Fargo, as well as file police report. They stated this was not necessary.

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 2022-08-12
Company: R & B Corporation of Virginia
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I NEVER GOT ANY VALIDATION VIA MAIL OR ELECTRONICALLY

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Receivables Performance Management, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX was asked by phone to provide proof of debt from XXXX. XXXX did confirm with equipment was returned and no debt due. However XXXX when we ask them to provide details of alleged debt only sent a statement with an amount, no details as to what the alleged debt was associated with, fees, equipment or anything else. We told them this was not adequate but they continued collection attempts without providing details. We asked them to stop and they did not stop.

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 2022-05-04
Company: STERLING JEWELERS, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I was notified of a debt that was supposed to had been reported on XX/XX/XXXX from a XXXX XXXX  alert for a debt of {$250.00} from XXXX XXXX XXXX XXXX. The account number was not specified on XXXX XXXX but the original debtor is XXXX  Sterling Jewelers Inc. I am pretty sure the account is from Kay Jewelers. Kay Jewelers is reported to XXXX by XXXX XXXX XXXX later purchased by XXXX XXXX. The balance is shown as {$700.00} opened on XX/XX/XXXX with account number ending in XXXX. Several debt collection companies have contacted me about this debt & I told each and everyone I did not authorize the opening accounts and/of transactions associated with it. 
I received a letter dated XX/XX/XXXX with further details on this account # XXXX from Kay Jeweler Outlet initiated by identity theft after I called last week to notify the company of my denial of this account. This is my second time initiating this fraud investigation and I received an identical investigation decision account ending in # XXXX. I am ready to be relieved of a debt not owned by myself. 
I am writing this report as a statement in writing that this account has been fraudulently opened without my consent. I am very much not responsible for this debt. I am willing to prosecute whoever is found to have initiated this card fraudulently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: EQUIFAX, INC.
State: IN
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:
Every year since XX/XX/XXXX, my Credit information has been mixed with my Father 's at all three Major Bureaus. I  have the annual battle most every year. Equifax in Ga. is the most blatant offender. I am XXXX XXXX XXXX XXXX. I did sign documents as XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is also Legally Correct as my Identity. I 've never Identified or Signed or otherwise AKA myself as other than what you read here. Banking, Legal Documents, Paychecks all have been with the XXXX as my NAME! In desperation in around XX/XX/XXXX, I started signing My Name as XXXX  to XXXX PROOF my name and protect my Identity. Yet the Battle continues as this year too I am engaged and embattled to protect my Identity. My Wife and I have been Victims of Identity Theft close to or more than 6 times since around XX/XX/XXXX. 
XXXX XXXX reported me as XXXX XXXX XXXX XXXX. I 've requested to fix this through disputes. 5 ( maybe 6 ) Times?? The FIX ; now I 'm my dead father - XXXX. 
Equifax reports me as XXXX XXXX XXXX XXXX. After 2 USPS Letters addressed to my XXXX Father, which I wo n't open. & Phone Calls. An online dispute netted a resolution of an Email was sent to me in : my XXXX Father 's name. 
. XXXX XXXX : Still mixing my Info with my XXXX father. idpute lodged, second response still the same. His name with a Credit report of his information about a XXXX XXXX XXXX he opened i XX/XX/XXXX. We went Bankrupt in XX/XX/XXXX, it was discharged in XX/XX/XXXX .. Irt was closed by the Grantor in XX/XX/XXXX. He XXXX in XX/XX/XXXX. Yet, it is still listed in MY CREDIT REPORT. 
XXXX .. I did not receive a report in the Mail as requested ... YET. 
All there of these re [ orted my Wife and I as paying as agreed on accounts way past the Bankruptcy Discharge Date. Well past 10 years stl reporting falsely.
I am unable to call or through the internet XXXX to find out if my Wife or I either had been part of the XXXX Recent foo pah .. 
Do you enforce the LAW? Please do ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Experian Information Solutions 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:
They didnt give me any verifiable proof ( have my signature inside ) to prove that these accounts belong to me. XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 2017-10-19
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May Concern : After viewing a copy of my credit report I noticed three collection accounts placed on my credit report from you this in 2017 with the same account number # XXXX. I am requesting that you allow me to validate the 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. If any fees are owed and documentation is provided that info should have also been forwarded to XXXX and XXXX. 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 patient 's 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
1. XXXX XXXX XXXX XXXX {$760.00} {$200.00} 2XXXX XXXX XXXX XXXX {$570.00} 3, XXXX XXXX XXXXXXXX XXXX {$560.00} 4, XXXX XXXX XXXXXXXX XXXX {$140.00} 5. XXXX XXXX XXXX {$130.00} 6, XXXX XXXX 7.XXXX XXXX 8.XXXX  XXXX ( XXXX ) 9XXXX n accordance with the Fair Credit Reporting act XXXX Accounts 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

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 2021-03-09
Company: AmeriCollect
State: WI
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:
Please validate these accounts, disputed these and came back accurate with out providing proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I applied for and received a Loews XXXX consumer credit card through Synchrony Bank. I made two separate purchases with this card in the amounts of {$120.00} and {$260.00} respectively. I attempted to make a full payment on the first charge on XX/XX/2021 debited from my checking account at XXXX XXXX XXXX XXXX For reasons unknown to me, it was rejected. The account and routing numbers were correct. Thinking that I possibly erred the first time, I resubmitted my banking information and submitted the payment a second time on XX/XX/2021. I was subsequently notified that this payment had also been rejected. I contacted my financial institution and resolved the problem by having anything charged from Loews on this account forced through by the individual in charge of verifying routing and account numbers on charges to my checking account. I was told that other members had similar problems with Loews. Bear in mind that after this had been done, this charge of {$120.00} was paid in full on XXXX, 2021 and the subsequent charge of {$260.00} paid in full on XX/XX/2021. Even so, Syncb/Loews saw fit to close my account due to the initial rejection of payments. Also, bear in mind that this company is the only one that I have dealt with that has had any problem whatsoever in debiting my checking account for bill payment. I pay all my monthly bills in this manner. The closure of this account has appeared on my credit report. I have an XXXX credit rating. My payments were on time and in full. In doing this I feel that Loews and Synchrony Bank have impugned my good name, regardless of whether or not my credit rating is adversely affected!

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