BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-28
Company: Phoenix Financial Services LLC
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: Their investigation did not fix an error on your report

Complaint:
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and I am sick of it!! These medical bills, listed on my credit report, are NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. 
As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. 
In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ).

I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. 
I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. 
In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. 
I look forward to your immediate co-operation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Collection Bureau of America Ltd.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COLLECTION BUREAU OF A is claiming that I owe them {$760.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: PA
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 2018-02-18
Company: Diversified Consultants, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
DIVERSIFIED CONSULTANTS INC called me repeatedly from multiple fake phone numbers, never left a message, and did not provide details of the call when I actually answered. I told them repeatedly to stop calling me, and they did not listen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-18
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Started to work on my taxes today ( XX/XX/XXXX ), and noticed that PNC Mortgage hadn't added my hazard insurance payment of {$510.00} on my escrow account. Attached is a receipt showing that it was paid on XX/XX/XXXX ; for the period of XX/XX/XXXX thru XX/XX/XXXX. INSURANCE WAS COVERED SO WHY ISN'T IT SHOWING UP ON MY ESCROW ACCOUNT FROM PNC MORTGAGE???? 

My account was transferred to XXXX or XXXX XXXX on XX/XX/XXXX, this shows that PNC Mortgage was responsible for paying my hazard insurance for XX/XX/XXXX. XXXX or XXXX XXXX didn't pay anything towards my insurance until XX/XX/XXXX for XX/XX/XXXX ( XX/XX/XXXX thru XX/XX/XXXX ). 

I have attached on the necessary paper work for your review. This is exactly the same thing that PNC Mortgage did when they withheld my monies for repairing my home for over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: EQUIFAX, 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:
i have been disputing three unauthorized accounts on my equifax credit file, these three are not mine, i have been telling to equifax for many months, but they have not been helpful, please find attached my police report in this regards an d have equifax remove these inaccuracies thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: EOS Holdings, Inc.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: EQUIFAX, INC.
State: VA
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:
I never applied for these companies. I don't recognize these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Several credit inquires are reporting on my credit report. Reached out to Transunion and no one would help. I am a victim of identity theft and requested all incorrect inquiries be removed. They reused to do so.

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 2022-10-05
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: EQUIFAX, 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:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27
Company: EQUIFAX, INC.
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:
On XX/XX/2020 I placed a dispute on inaccuracies on my report and I have yet to hear back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: EQUIFAX, INC.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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:
Bank of America Credit Card. Charge off date of XX/XX/XXXX. XXXX from Bank of America to claim absolved debt as income for XXXX taxes. Form from Bank of America was created XX/XX/XXXX. Currently claiming a limit on account of {$13000.00} and a balance of {$15000.00} on XX/XX/XXXX. Have filed disputes 2 separate times through XXXX XXXX and gotten no resolution.

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 2018-03-09
Company: Credit Card Receivables Fund Incorporated
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXXXXXX my back account when I filed bankruptcy in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have three collection accounts reporting on my Equifax credit report that doesn't have the Collector or Original creditor named for me to contact. I wrote Equifax previously about this matter and they have kept these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX -- -- NAMES are NOT MINE. FCRA violation. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NC XXXX < -- - ADDRESSES are NOT MINE. FCRA violation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( XXXX ) XXXX ( XXXX ) XXXX < -- - PHONE are NOT MINE. FCRA violation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Auto Loan Balance - Date Opened XX/XX/2018 < -- - ACCOUNTS are NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XXXX/XXXX/2020 I received a statement from TD Bank. It read that I opened a Checking account for {$20.00}. Called TD Bank on XX/XX/2020 to report that I did not open this account. 
I was told that there was a saving account in my name also. Td Bank put a freeze on those accounts. They also told myself that I need to report this to the Federal Trade Commission And Social Security

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-11
Company: American Student Assistance
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
this account has been transferred to XXXX XXXX XXXX and is currently being paid through that lender. I have asked for the account to be removed due to current student loan status and was refused, account information is inaccurate ; date opened shows : XX/XX/0001? what is that?

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 2018-10-05
Company: EQUIFAX, 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:
On XX/XX/2018, there's a hard inquiry on my credit report by a company named, EQUIFAX XXXX. I did not authorize this company to run my credit. Their telephone number is XXXX. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no idea why this company claims I owe them. I never received anything in the mail just an alert on my credit report. I have no idea regarding this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've never had XXXX as a service provider. I've been going in circles trying to fight this charge on my credit report but have been unsuccessful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, Factual Data XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I have contact equifax numerous times about these inquires. I have submitted in writing and verbally call. This is fraud please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THIS ACCOUNT IS A RESULT OF SOMEONE USING MY NAME AND ID TO OPEN AN ACCOUNT. I NEVER HAD AN ACCOUNT WITH LVNV FUNDING LLC # XXXX OR XXXX XXXX XXXX . I HAVE FILED A AFFIDAVIT REPORT WITH FTC AND XXXX POLICE DEPT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26
Company: EQUIFAX, 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:
XXXX XXXX COUNTY DEPT AND FAMILY SUPPORT DIV XXXX HAVE PLACED LATE PAYMENTS IN XX/XX/2019 AND XX/XX/2019 ON MY CREDIT REPORT THAT ARE NOT ACCURATE AND ITS AFFECTING MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is a billing error on behalf of XXXX hospital

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 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Account # XXXX, has violated my rights. 

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 2020-01-29
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
sent payment of XXXX XX/XX/XXXX then XXXX XX/XX/XXXX called bank for an hour transferred to different reps ask for supervisor not came on phone!!!!!!!!!!!!!!!! BAD SERVICE XXXX was put in suspence account why? no call at all and payment keeps going up

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company calls me at my work and Ive asked them to stop because Im not allowed to have personal phone calls at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02
Company: Experian Information Solutions Inc.
State: VA
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:
XX/XX/2021 I contacted XX/XX/XXXX to remove inaccurate names on 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 explanation
Consumer complaint received 2021-08-12
Company: FC HoldCo LLC
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 am not liable for this debt with FLAGSHIP CREDIT ACCEPT plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : 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 2018-04-10
Company: Diversified Consultants, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The account in question was removed and started reporting again. The debt collector failed to validate the debt and also failed to prove that the debt indeed belonged to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03
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:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation