BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-23
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Eastern account systems sent me a letter with my information to collect {$420.00} for a Doctor that I never saw. I explained this to them numerous times and receivedno help to resolvethe issue. I spoke with the doctors office they were trying to collect debt for and confirmed that no one visited that office using my name or information so filing a police report for fraud was useless. Eastern account systems reported this debt to my credit which resulted in a XXXX point drop, I am extremely upset about this. On the same day I was notified they reported this to my credit, I called them and only then did they say they discovered that the wrong Doctor information was put on the notice they sent me and it was in fact now my doctors office listed. I immediately called my doctors office to verify and ask why I was never notified by them directly. I paid the {$420.00} in full that day directly to my doctors office. Eastern account systems still has not removed the debt off of my credit and has not updated the information. They have ruined my credit due to their incompetence and none of the employees care to do their job correctly. This is such an extreme example of misuse of power and they should not be allowed to ruin people 's lives. I want this company to be investigated so they can never have the power to do this to anyone else, this is such a travesty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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, this Creditor has violated my rights under 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 An Account Without my Written instructions Under 15 USCS 1666b a creditor may not treat a Payment on a Credit Card Account under an Open End Consumer Credit plan as late for an Purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: AZ
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 BROKE THE LAW Equifax Pursuant to

15USC 1681 ( A ) ( 1 ). The banking system is dependent upon being fair and accurate. After taking a look at my consumer report, I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified during your companys initial investigation that you were going to report this information pursuant to 15USC 1681 ( A ) ( 1 ). This grave error has undermined my confidence in your companys procedure, and as a result of this I will no longer be extending credit, and if this information is not removed, I no longer want my information reported in your companys database. Pursuant to 15USC 1681 ( A ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness. Pursuant to 15USC 1681 ( A ) ( 3 ) Your company assumed this role. You were not given expressed permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information, but you also assumed this role and assumed this information was valid, which is a violation of my consumer rights. Pursuant to 15USC 1681 ( A ) ( 4 ) You did not insure that this information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this violated my rights to privacy. ( See attached documents ). Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact a violation. Pursuant to 15USC 1681 ( A ) ( B ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15USC 1602 ( i ) ( See attac
hed documents ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-06-21
Company: Colony Brands, Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. This situation is affecting my credit status that leading to credit denials and higher interest rates. 

MONTGOMERY WARD Account # XXXX Date opened - XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
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 my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar purpose.

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: OLIPHANT FINANCIAL, LLC
State: NY
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:
Im not sure what kind of loans was taken out in my name but someone got whole of my information and use it to open account and get loans in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 received an email alert from XXXX credit that said my email and social had been detected on the dark web. Later that day I changed most of my passwords due to this being the XXXX time this year this happened. I noticed in my spam there were several emails from loan and credit card companies. One was for XXXX with an approval for XXXX  credit card. I emailed the company that night and said I did not authorize nor apply for credit or a loan. A month later I got a reply to call however I was at work. When I did follow up it took XXXX XXXX to tell me the card was active and being used online with purchases in multiple states. The follow week I got a bill in the mail for over $ 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 2021-01-16
Company: LJ Ross Associates
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was in high school in Georgia I did not open this account. This account is fraudulent.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions 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 2022-08-19
Company: First Credit Services Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX This gym open a membership account without my knowledge they sent the account into collection and I was not aware I owe them anything Ive never step foot inside a gym I reach out to XXXX XXXX on XX/XX/2022 I explain to them the situation how I was sent to collections for some thing Im not aware of they told me I had to option I had to pay them the {$280.00}. or I have to create a brand new account and they will forgive me for the balance that I owed. Until this day XXXX XXXX have no record of me checking into the gym the only record they have of me check check into the gym was yesterday when I called the rep thats the only record they have its been over almost a year they have no record of me stepping foot in the gym

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: CITIBANK, N.A.
State: WI
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 XXXX  emailed me saying that I reported a card as lost or stolen. I did not. 
On the same day someone changed my address with the USPS in order to get the replacement credit cards. 
I received a letter from USPS saying that my address was changed. I immediately went to the Post Office to report that this was fraudulent and was told to call the USPIS regarding change of address fraud. My first Case # was XXXX. I did not receive a response within 2 weeks. I called again and received a new case # XXXX. More than two weeks later I still have not received a response from USPIS. 
I also immediately contacted XXXX to report the fraudulent address. 
However, in the meantime USPS forwarded some of my mail and Citibank subsequently changed my address to the fraudulent one. I called them to report the fraud. 
Still, the fraudulent address made it into my credit report for XXXX and XXXX. I have disputed the incorrect address with them twice. 
Luckily I prevented unauthorized charges by immediately notifying my credit card companies. However, what is disturbing is that I have been unable to get a response from USPIS. I want to be able to prevent criminals from changing my address online again. I was told this is not possible. That certainly plays in the hands of criminals who can report a credit card as lost and then simply change your address only with USPS. How can I protect myself from a recurrence of this? I have spent so much time on the phone trying to get this corrected.

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 2022-06-21
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Received a text from Chase that there was unusual activity and that they placed a hold on my account. I dont have a Chase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I'm disputing transactions that were done on my 2 savings accounts and checking accounts. It appears that my accounts were hacked from XXXX. Money was transferred and XXXX out to different people/ organizations. Also about XXXX was spent at XXXX XXXX These transfers and transactions are totaling XXXX. I have been disputing with fifth third since XX/XX/XXXX and have appealed it 2 times and was denied again. As they are saying because my card has a chip, I authorized all of this. I absolutely did not. 

There were transfers from my savings to my checking accounts and then sent via XXXX XXXX ( which I don't have that app as of 3 years ago ) and send through XXXX XXXX transfers from savings to checking for XXXX, XXXX, XXXX XX/XX/XXXX a XXXX transfer for XXXX and XXXX XXXX transfers from XXXX account to another and then sent out for the amounts of XXXX XXXX ( XXXX ) XXXX XXXX More XXXX sent in the amount of XXXX ( XXXX ) XXXX XXXX XXXX transfers from savings account to checking then sent out XXXX transfers from my savings to checking XXXX transfers from savings to checking This was all transferred and sent to different people and organizations either via XXXX, XXXX XXXX XXXX purchase made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I was the victim of a telephone Authorized XXXX XXXX  scam perpetrated by criminals posing as my bank, Wells Fargo, who manipulated me into using the online wire transfer system to transfer {$25000.00} to another Wells Fargo account. 
How did the criminals know I had a Wells Fargo account? 
How did the criminals know there was an excess of {$25000.00} in my account? 
Was my account hacked prior to the telephone scam? 
Has Wells Fargo investigated this incident after I reported it on XX/XX/2022? If so, what were the results?

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 2023-08-03
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-11-24
Company: Kingston Data & Credit International Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got a notice of collection on XX/XX/2022 from Kingston Data and Credit International Inc that I owe XXXX XXXX ( XXXX XXXX ) {$210.00}. I would like to dispute this credit. It is not true. In early XX/XX/2022, I went to visit the gym to cancel my membership, but the manager accepted and suggested me to pause my membership for 6 months, and in case I would like to resume or cancel it, I can just come in and report them, so they can cancel without any more charge because they already charged me the XXXX fee. In XX/XX/2022, I went to report them, I would like to cancel it and no more resumes, and the manager agreed. 

From XX/XX/2022 until currently ( XX/XX/2022 ) I never visited the gym once. You can check my facility card login history to know the truth, and I also have no idea why I owe them {$210.00}. The amount is not true and the gym managers action is also unlawfully wrong to do so. He provided misinformation and tried to collect money by Kingston Data and Credit International Inc I emailed to dispute the claim to both Kingston Data and Credit International Inc and XXXX XXXX XXXX  XXXX XXXX ) as soon as I received their letter on XX/XX/2022.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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  Account # 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 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 2023-08-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was just looking over my credit report and found some addresses that appear to be incorrect. I have the right to have the correct information on my report. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed below, ( which I would like removed please ) : 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 There should only be one address listed on my report, which is { XXXX XXXX XXXX XXXXXXXX XXXX  XXXX }. 

I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : 1. XXXX XXXX 2. XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

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 non-monetary relief