BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




Open Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Closed Account : XXXX XXXX XXXX # XXXX 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 of 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 2020-12-29
Company: Experian Information Solutions Inc.
State: OH
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:
I have an unverified account from XXXX. I had previously disputed this account through another collection agency and it was removed from my credit report but has been reinserted through XXXX. I have never done business with v. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX  provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX  Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2023-10-04
Company: CL Holdings LLC
State: CA
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:
I am filing this report because I discovered that I've been an identity theft victim and informed all the required parties. I told the credit bureaus and informed the creditors I suspected they were fraudulently reporting on my credit report. After deliberation, the creditors were notified and are aware that the accounts they are currently reporting to the credit bureaus are fraudulent and do not belong to me. I contacted the collection companies and informed them that the version resulted from fraud and identity theft, and they needed to remove it from my credit report. They have ignored my request. At this stage, my credit is being harmed by these derogatory accounts and collections and must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am serving as a XXXX  at a XXXX XXXX in part because after 10 years my loans are supposed to be forgiven under the Public Service Loan Forgiveness Program ( PSLF ). 

I recently certified my employment and was informed by XXXX  that only 5 of my payments in XX/XX/2018 were " Qualifying Payments '' for PSLF. The other 7 payments were not counted because the payments were prepaid. 

XXXX does not publicize their very counterintuitive policy that a prepaid payment is not an on time payment under PSLF. XXXX on their website describing PSLF requirements writes : " If you make a payment for more than the scheduled payment amount, the excess amount may be applied to cover all or part of one or more future payments, unless you request otherwise. Depending on how much extra you pay, its possible that your next due date could be a month or more in the future from the date you made the extra payment amount. This is called being paid ahead. If you make subsequent payments during a period when you are paid ahead, those payments wont count toward PSLF. '' This is deceptive and suggests only that additional payments made during the paid ahead status time will not count towards PSLF, not that none of the payment applied to future payments will qualify. There is also nothing in the congressional record to suggest that when Congress passed legislation authorizing PSLF, it intended prepayments to be excluded from Qualifying Payments. 

Furthermore, XXXX informed me that where the prepaid money comes from AmeriCorps or PeaceCorps grants, the prepayment is counted towards Qualifying Payments. My prepayment was the result of a National Health Services Corps ( NHSC ) grant ( https : //nhsc.hrsa.gov/loan-repayment/index.html ). These are similar federal grant programs that offer student loan repayment money as an incentive, and there is no reason why XXXX should treat different from PeaceCorps or AmeriCorps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reviewed my credit report and there are items that are unverifiable and not reporting accurately. These items should be deleted immediately.

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 2023-05-23
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt collection account with Healthcare Collections showed on my credit report for {$2000.00} from a 2017 medical debt. When I called them, they said they were unable to locate an intemized statement and directed me to call the hospital for information. When I called the hospital, they said the bill was from my adult son 's care in XX/XX/2017, but that it seeemd a bill would not have been received in the mail as they had symbols in error on the address line. I was unable to receive further information about this bill, as Healthcare Collections said they didn't have the itemized statement, and the hospital said they wouldn't discuss it with me since it was for another adult. In the meantime, it is on my credit report, and has caused all my student loans to be denied this semester, and will result in my student loans being denied going forward.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX, SD XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5700.00} ; XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX  month to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of XXXX XXXX XXXX XXXX ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point XXXX not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2019-02-05
Company: Conn's, 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: Their investigation did not fix an error on your report

Complaint:
I'm ask the credit bureau to remove fraud inquiry from my report they told me they don't dispute inquirys i need to contact the company and i did the company said dispute it with the bureau so i don't known what to do please help. 

XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX I did not open or authorize this account, and I therefore request that it be closed immediately. I am a victim of identity theft, and did not make the charge [ s ]. I am requesting that the items be blocked to correct my credit report.I also request that XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX. XX/XX/XXXX {$960.00} XXXX XXXX XX/XX/XXXX {$100.00} XXXX  XX/XX/XXXX {$3400.00} CONN CREDIT CORP XX/XX/XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$450.00} absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Credit Karma, LLC
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for multiple pre-approved credit card offers through Credit karma that were deceptive and misleading. The actions resulted in multiple denials for credit, which in turn caused my credit scores to drop and my credit rating to suffer. This in return made my search for a new vehicle a struggle and once approved for a 2013 vehicle the interest rates were significantly higher causing undue financial duress for years to come.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had my XXXX XXXX credit card through Bank of America for 11 1/2 years. In the months of XX/XX/XXXX and XX/XX/XXXX ; Bank of America 's online system failed to process our payment. I was not notified by Bank of America until after being charged a fee and only found out because I went onto my Bank of America account and saw that a fee had been assessed. Two days ago, after making a payment, we were informed, again by email, that our account had been closed. We diligently made payments for over 11 1/2 years, kept the balance paid down, and to receive this kind of treatment from Bank of America is incredibly frustrating. I would like to make sure that other consumers not use Bank of America because arbitrary fees are applied when they are at fault for not processing payments.

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 2022-12-18
Company: Nelnet, Inc.
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am XXXX XXXX XXXX. I provided a copy of my orders to FirstMark. I have been on XXXX XXXX since XXXX. I still make payments to FirstMark. Ive payed them over {$2000.00} in the last month. ( XXXX thru XX/XX/XXXX ) and over {$30.00}, XXXX in last two years. They improperly took me off military status and have been calling me every day for the past month. I resubmitted my orders, but they still call. They are threatening to report me to the credit bureau. A report to credit bureau compromises my security clearance and is actionable under XXXX. I need immediate assistance. I will contact my local congressman if this is not immediately addressed by CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: PA
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:
The response given is based of recent events. Authorization was recently given however in XXXX, XXXX and XXXX they would not speack to XXXX XXXX with out my ok. I couldnt give an ok cause I was in the hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Even on the phone call today on XX/XX/22 the representative would only let XXXX talk about one of the 3 accounts since she wasnt listed in the other 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Southwest Credit Systems, L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sw credit sys, XXXX XXXX XXXX suite XXXX, XXXX tx XXXX, XXXX XXXX XXXX XXXX Contacted them to obtain information from a XXXX bill back in XXXX. They cant give me an itemized bill for what I owe. They keep bouncing me around to multiple people with no resolution I also contacted XXXX, XXXX. XXXX XXXX, XXXX Florida XXXX, XXXX about an att wireline from XXXX he refused to discuss or disclose just said they will mail it out and told me have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX incorrectly billed my account after I had closed the account and stopped service. I switched services to XXXX XXXX XXXX and XXXX kept charging my account. My service with XXXX ended in 2018. They sent me the bill and I called them and they agreed that there was no bill to be paid. XXXX  cancelled the bill. However, afterwards a debt collector came to collect. After many phone calls back and forth, they finally dropped the claim as it was false. XXXX still maintains that they are not sending anything to any debt collector and that I owe them nothing. 

Recently Credence Resource Management has tried to collect that same debt, which does not exist. This is now 3 years later and I'm still chasing away these fraudulent debt collectors. They have now lowered my credit score by falsely claiming that I have a late payment. 

Plase help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
fraudulent account made by identity theft. A man name XXXX XXXX who I worked with acquired my social security number by looking at my old tax returns while I wasn't present. He started a XXXX phone service account in my name which later went to collections. XXXX is aware and still has not removed the account. they sold my personal information to a third party which they shouldn't have had in the first place. This account should not be furnished on my consumer report as they are in violation!!!! Under

15 U.S. Code 1681B- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to
subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN COSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT! As a consumer I am demanding the deletion of the accounts listed above IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2019-06-28
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Collection agency- Southwest XXXXecovery Services,XXXX  XXXX XXXX , XXXX, Tx XXXX , continues to call ( using Robo caller ). 
Called this date ( XX/XX/28 ), @ XXXX Pm. 
This collection agency was notified with a Cease & Desist letter, weeks ago. 
I have received numerous Robo calls originated by this collection agency. 
Received a threatening call concerning a Medical claim that came from Southwest recovery- This is in violation of the Federal Fair Debt Collection Act!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERY INC # XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from a medical center but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY INC to release my medical information to a third party. I am aware that HIPPA does allow for limited information is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPPA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Account name : 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. 
I want the CFPB to publish this description on consumerfinance.gov so that others can learn

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