BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
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: Information belongs to someone else

Complaint:
This is my third 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9.00} XXXX XXXX Balance : {$5900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$1600.00} XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Balance : {$9.00} XXXX XXXX Balance : {$5900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXX  XXXX Balance : {$470.00} Medical XXXX Balance : {$74.00} XXXX XXXX Balance : {$150.00} Medical XXXX Balance : {$190.00} XXXX XXXX Balance : {$85.00} XXXX XXXX Balance : {$85.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX  XXXX XXXX Balance XXXX {$9.00} XXXX XXXX Balance XXXX {$5900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I received a report through both XXXX XXXX and XXXX XXXX XXXX that a new hard inquiry had been reported on both my Transunion and XXXX credit reports. 

Both accounts show a hard inquiry from XXXX XXXX on XX/XX/2022 located at XXXX XXXX XXXX, XXXX, VA XXXX, Phone Number ( XXXX ) XXXX. 

I did not submit an application for credit with XXXX XXXX. XXXX XXXX was unable to verify any credit application using my social security number or cell phone number. XXXX XXXX refused to attempt to find an application using other personal data ( name, birth date, address ) that might have been compromised. 

My Transunion report reflects that : Within the past 90 days, companies that requested your report provided the following information. 

Name XXXX XXXX Requested On XX/XX/2022 Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX This is presumably the information that was provided to XXXX XXXX in connection with the credit inquiry. However, the address does not match any of my record addresses, which should have alerted Transunion to the likely fraudulent nature of the inquiry. Transunion apparently nonetheless responded to the inquiry from XXXX XXXX. Transunion has refused to delete the inquiry from my account without a Letter of Deletion from XXXX XXXX, which has disclaimed any knowledge of the inquiry and refuses to further investigate or a police report. 

XXXX allow me to submit an online dispute regarding the inquiry but summarily dismissed the dispute with a statement that " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' They similarly indicated that my only options were to pursue it with XXXX XXXX or obtain a fraud report. 

I also received a call purportedly from XXXX XXXX 's fraud department directing me to call in reference to a recent application ( XXXX ). This does not appear to be a legitimate call from XXXX XXXX, as this number is not referenced on any XXXX XXXX site.

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 2017-03-03
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I had a debt with a hospital in New Jersey for copayment of insurance for a back operation I had in XXXX of 2016. Before I could try to work this out with the hospital, the matter was turned over to a law firm in New Jersey by the name of Pressler & Pressler. I have attempted to contact Pressler and Pressler and no one will return my call. In the interim they have entered judgment against me and have been contacting my employer to find out if I work at my job so that they may issue a wage garnishment against me. They have called my employer on two occasions and during each call have refused to identify themselves -- only asking if I work there. My employer has advised me of these calls. This has caused great embarrassment to me as it is a personal matter and I feel that my privacy has been invaded by this law firm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Equifax, over the years, has maliciously attempted to report inaccurate information. While sometimes I 've had luck removing these items, this time the damage this company has done to me is irrefutable. 
For starters, I have XXXX items showing as " Dispute in Progress '' - for over XXXX days. But if you look at the other image I attached, the dispute shows 'expired ' ( # XXXX ). I never received confirmation the dispute was even completed, let alone expired. This is an attempt to harm my credit. 
XXXX, Equifax claims that inquiries are a statement of fact. They have, on XXXX occasions, granted file access to companies I have never engaged nor wish to receive credit from. The act of allowing someone else to access my file without permission is NOT legal. Moreover, I have had a continuous fraud alert on my file since 2013 which was NOT triggered when someone applied for credit that I did n't ask for. 
Finally, Equifax has continuously spammed my inbox trying to get me to sign up for their XXXX-Bureau monitoring program when I 've opted out of such services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: AES/PHEAA
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 had scholarship with   XXXX   university, earlier this year i looked at my credit report and noticed there has been lots of student loan that appeared in my credit report that were not mine. i immediately filed an identity theft report and also contacted the source that they are reporting these fraudulent account and told them about the account that do not belong to me and requested to be removed from my credit report, and they asked me for a police report which i contacted police department and field a police report as well. as of this time not only they have not send letter to the bureaus and informing them that consumer is disputing these accounts they are refusing to give me any information and they are reporting wrong information to  XXXX  major credit reporting agency and i am here to get help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-29
Company: Perfection Collection
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had service with   XXXX    XXXX  and I stopped paying because I wanted to cancel my service and they were not willing to cancel my service. So, before  XXXX  I stopped paying. I did not pay any service to  XXXX   XXXX  ; so, basically that would be called the delinquency date. I found out that I had a collection with a delinquency date of  XXXX ,  XXXX  which I dispute since that delinquency is not correct because I stopped paying before  XXXX .     Perfection Collection responded by "  XXXX , The delinquency date we were provided when we purchased the account is  XX/XX/XXXX . We are willing to settle this account for 50 % of the balance owed. Once settled, we will delete this account from the credit bureaus in it 's entirety. '' So basically they are saying that they purchased the account and the delinquency date is  XX/XX/XXXX . So they say they are not responsible for providing a false delinquency date. This is not acceptable

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 explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-03-08
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Per my last complaint # XXXX Regions Bank stated that they would amend my credit score due to their incorrect charges from a closed account. On XX/XX/20 the amendment went through. On XX/XX/20 a letter was sent to me illustrating that a maintenance to the consumer credit reporting agencies to remove the reported late marks was issued and signed by XXXX XXXX. On XX/XX/20 XXXX delinquent account charges reappeared on my credit score. This institution continually promises action and fails to follow through. To date, I have only received on letter in the mail from the institution about this issue and have never received any information allowing me to follow up on the credit score amendment. They have failed to send me documentation such as a reference number or website to review the actual amendment. This has been ongoing since XXXX as illustrated in the previous complaint listed 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 non-monetary relief
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX  XXXX Balance : {$1000.00} XXXX ACCT XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX {$630.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2016-03-03
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I vacated my old apartment on XXXX/XXXX/2015. I provided to the apartment my forwarding address where the balance of my deposit should be sent. I never receive any from my old landlord. I started to receive call from the collection agency ( XXXX XXXX XXXX ) asking to pay an alleged debt regarding this matter. I told XXXX that I was not aware about the debt and I needed more details. I visited my old apartment to find out more about the matter. Unfortunately, I found that the apartment did change the name. I asked my lawyer to write to the collection agency to request more information. While I was still waiting for the answer, which came today, the collection agency XXXX XXXX XXXX report NEGATIVE INFORMATION on my credit report. I attached mails I exchanged with the collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
When I answered the questions about my personal info they said the info does n't match their records and I know I answered correctly, I went through this process three times and got the same response each time, so they have wrong info, I could not even get to a dispute form, someone is using my info because what I was disputing was XXXX hard inquiries that I did not make and a collections on a account I did not make. XXXX of the inquiries was just last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
Im submitting this complaint myself and theres no one or third party involved with this submission. I would like to also note that I am a natural living person/ a consumer pursuant to 15 USC 1692a ( 3 ). Additionally, I would like it to be noted that that data furnisher ( Bank Of America ) is violating my right as a consumer according to fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ).

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 2021-08-26
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 disputed several charges on my credit report through XXXX. I sent a dispute letter on XX/XX/XXXX and was recieved and signed for on the XXXX of XXXX. By law, credit companies have until 30 days to respond. I have yet to receive a response. 

I also send both XXXX and Equifax the same information an have not received a responce Equifax was sent a dispute letter on XX/XX/XXXX and a receive was received on XX/XX/XXXX. Attached is the proof of delivery.. Also XXXX was sent a letter on XX/XX/XXXX and I proof of delivery on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, on my credit report are a clear violation of 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 : States a consumer reporting agency can not furnish an account without my written instruction.

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 2016-09-14
Company: ENCORE CAPITAL GROUP INC.
State: PR
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was a car loan which I totally paid off and as proof I received the Title to the car which is never issued unless a loan is completely paid off. A couple of years after, I had an accident in this same car and it was totaled ; my insurance issued a check for the cost of the car. The insurance company would NEVER issue a check and take in the car if I had n't the title. Hence, the loan was paid off leaving no debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I placed an order for wigs to mostly human hair. I received a email state the wigs had been shipped. When trying to track the PKG thru the email that was sent. It comes back undeliverable. When trying to contact the company I found out that they are in the XXXX. And charged my card under ping pong fantastic connect. I called American express. Who sent me an email stating they were disputing my charge? Not they say they need more proof. I can not get an email from American express to respond to. I have been on hold more than,2 hours to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2016-07-03
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is information on my Equifax credit report that is not accurate. The information from XXXX XXXX XXXX, XXXX XXXX, XXXX WI XXXX was removed from my XXXX credit report, Equifax refused to remove it. Equifax stated : " The results are : This creditor has verified to OUR company that the balance is being reported correctly. '' This debt is not mine and I have no knowledge of it. I have never received a bill from XXXX XXXX XXXX, the debt is not mine. 

The second item disputed with Equifax is from XXXX XXXX, XXXX XXXX XXXX, XXXX WI XXXX. Equifax stated : " We verified that this item belongs to you. '' Like the other debt above, I never received a bill from XXXX XXXX and the debt is not mine. This debt is not on my XXXX credit report. These charges are either fraudulent and/or they are the responsibility of a person with the same name that lives in the same geographical area. This person in the past was confused with me and the university I was attending at the time almost billed me for his tuition. 

My name was inaccurate and then corrected on my Equifax Credit file. I have attached the report stating that my name was now properly reported.

Company response to consumer: Closed with explanation