BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-25
Company: EQUIFAX, 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 am submitting this CFPB complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. I am in need of your help to remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX A XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$13000.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$450.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$510.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$900.00} XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$490.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$180.00} XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$7600.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$600.00} XXXX XXXX Bankruptcy : Bankruptcy Reference Number XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  BANK XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX BANK XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: MS
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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
They charge me wrong amount some of them they never send me the credit card still sharing my information and sell it its ruining my life cant even rent the house to live because of them I try call them to get the original bill and the letter they send to me o top of I never give them permission to use my name or sell without my consent

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 2023-03-25
Company: Experian Information Solutions Inc.
State: TN
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

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 2023-03-25
Company: AmerAssist A/R Solutions, Inc.
State: NJ
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:
To whom it may concern : I requested verification of this alleged debt from AMERASSIST AR SOLUTIONS, and they did not introduce enough proof to me for this to be on my credit report. The original creditor added an addendum without my knowledge. They don't have an address that connects me to this debt. The signature doesn't match my handwriting. Neither of you has documentation to maintain this on my credit reports. Cease any credit bureau reporting and remove this account from my credit report. Please do not close it. Please remove it or face further consequences.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my second 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$130.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: NRA Group, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
received medical bill from the collection agency national recovery agency mailed a letter to them on XX/XX/2023 called to see if they got it on XX/XX/2023 this is the day the credit agency alerted me that this was already on my credit. I had not received any further notification on the validation of this debt. I am not sure what is going on but they aren't following the cfpb 1006.34., they need to get educated on following the law with each letter and roman numeral.I talked to an agency on XX/XX/2023 to first find out why the account had already hit collections without me getting any validation and it was XX/XX/2023. I want this removed from credit report because their practices are not serving me well.

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 2023-03-25
Company: ProCollect, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
ProCollect has never communicated or billed me ; however, the collections company has continued to submit an unknown 15-year old debt of {$160.00} to the credit bureaus. The collections account was added to my XXXX credit report in XX/XX/XXXX, which was subsequently disputed and deleted. Six months later, in XX/XX/XXXX the collections company added the same collections account to my XXXX and XXXX credit reports. 

I do not owe this {$160.00} debt. Even if by some mistake the 15-year old debt was valid, it would have been first delinquent in XXXX ( not XXXX as ProCollect is reporting to the credit bureau ) . This was 15-years ago and should not be filed with credit bureaus. 

A screenshot from my XXXX credit report is attached. Below are my comments specific to the unknown 15-year old debt of {$160.00} : I am unfamiliar with ProCollect, and I have never heard from them. 
I am unfamiliar with XXXX  XXXX XXXX ( Original Creditor ), and I have never heard from them. 
It looks like XXXX  XXXX XXXX, based on online research, is now at an apartment I lived at in XXXX, Florida from XXXX to XXXX ( XXXX XXXX XXXX ). 
My lease ended with XXXX XXXX XXXX in XXXX, and my balance was paid in full 15-years ago. I have never heard from the apartment complex since my lease ended in XXXX. 
Even if by some mistake the 15-year old debt of {$160.00} was valid, it would have been first delinquent in XXXX ( not XXXX as ProCollect is reporting to the credit bureau ) . 
I owned a home in Georgia in XXXX. 

I will continue to dispute this time-after-time as ProCollect continue to submit this unknown 15-year old debt of {$160.00} to the credit bureaus. 

I ask the Consumer Financial Protection Bureau to please help stop ProCollect from trying to harm my credit for this unknown 15-year old debt of {$160.00}. 

Thank you.

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 2023-03-25
Company: Experian Information Solutions 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:
An account with XXXX XXXX XXXX is listed on my credit report. 

Pursuant to FCRA section 609 A1 I hereby request all information on file concerning this account including original application with my signature

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 2023-03-25
Company: Certified Credit Reporting, Inc.
State: MI
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:
Certified credit reporting 3 inquires 3 of 3 XX/XX/2023 I did not give permission to this company to run my credit report or access my credit this is fraud please remove now from all credit reports and to never do it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions 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 Report Act XXXX, Account:XXXX, XXXX  XXXX XXXX XXXXXXXX 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 2023-03-25
Company: ERC
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 Report Act XXXX, Account:XXXX, XXXX  XXXXXXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: LA
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 sent a letter on XX/XX/2022 to experian.however the credit bureau claims they completed the investigation and everything was accurate. 
According to the law 15 U.S. 1681a definition rules construction.the term investigate consumer report.means a consumer report or portion there for in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews.with neighbors and Friends or associates of the consumer report on or with others with whom he is acquainted or who may hav knowledge concerning any such items of information.how ever such information shall not include specific factual information on a consumer credit report obtained directly from a creditor or directly from a creditor of the consumer reporting agency.I would lik to kno who did they talk to.and how did they complete the investigation please.

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 2023-03-25
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection company, XXXX XXXX XXXX XXXX ( XXXX ) XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX UT XXXX has placed a collection notice on my credit report. They state that it is a debt owed to PayPal. I do not owe any debt to PayPal. XXXX XXXX never contacted me about this debt. I filed a complaint with a credit bureau, and they reaffirmed the debt. I wrote a demand of proof letter, and they never responded.

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 2023-03-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Old creditor remarks late payment in 2020 then transfered to new creditor after being dissolved. New creditor payment history 100 % on time. Dispute with credit bureau unresolved as new creditor XXXX advised me to file a complaint/dispute because they can not remove remark from old dissolved servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Transaction from Paypal to XXXX XXXX. XXXX XXXX given account has been closed on XX/XX/XXXX. 

Below is Copied from from Paypal : Bank Account -negative {$1200.00} XX/XX/XXXX Transfer to Bank Transfer from PayPal Cash Plus balance Transaction ID XXXX Transfer to XXXX XXXX XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
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/2023 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. i feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Chime Financial Inc
State: NJ
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:
Chime bank denied my claim. I did not get the email yet why they denied my claim. But I am a victim. The man who stole my money sent me a code and told me that it was to confirm my identity and that code was how much he took out my bank. He told me he wasnt going to keep the money he was going to send it right back. The real XXXX said XXXX would never take money to varify your identity. These scammers had remote access to my phone and bank account through the app i download that he told me was XXXX secure link called XXXX. I just want my money back. He stated his name XXXX XXXX, and I have audio of him acknowledging that I didnt allow him to take any money from me. Also I have a text of him the next day saying he would refund the stolen money, but he never did. I had no knowledge of this app XXXX or that it would be able to see my bank info. I do not know why XXXX would have a scam number for XXXX instead of the real number. By calling that line, now Im out XXXX I have a police report of what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: GA
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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : 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 response to consumer: Closed with explanation