BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-18
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice, it is a fact, affiant is aware medical information furnished about the consumer can not include the consumers, age, gender, demographic, residence, or any other information that does not relate to the physical, mental, or behavioral health or condition of a consumer. Pursuant to 15 U.S.Code 1681a ( i ) ( XXXX ) this medical collection, is a violation and must be removed ( see attached files ). I demand to see a receipt of this debt purchase because affiant is aware that CREDIT CONTROL CORP is a debt buyer. Notice it is a fact that I am a federally protected consumer, as such I have the right to privacy. Notice it is a fact that my federally protected rights have been violated. Notice, it is a fact, affiant is the consumer, in fact and I, the affiant am legally refusing to pay this debt. I am demanding a cease and desist of all illegal activity, any communication and collection activity, including reporting which constitutes collection activity, of this and any alleged debts until you can provide me with the requested information in the affidavit herein. Notice, it is a fact, in accordance with 15 U.S.Code 1692c ( d ), I, the affiant, consumer in fact, is invoking their administrator and executor status over this matter and is of the age of majority. It is also a fact CREDIT CONTROL CORP is a corporation and is always considered a minor. Corporations who are considered minors have no legal standing or jurisdiction. Notice, it is a fact, affiant is aware, in the head of the agency involved in the collection of debts or collection activity when they perform any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to credit reporting bureaus, garnishing wages, and litigation or foreclosure. If COMPANY NAME has filled out a 1099c form and is continuing any of these activities they have committed tax fraud and should be reported to the IRS for a fraudulent financial gain

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I received a letter dated XX/XX/2019 from XXXX indicating that based on a hard inquiry, a credit report from Experian was provided on XX/XX/XXXX and used as " the terms of the credit we are offering you ''.

I want this hard inquiry removed from our credit reports ( my husband also ), as we have not applied for credit from anyone in the last two years at least.

Today, I called the telephone number on the credit report for XXXX ( XXXX ) XXXX and reached a recording stating " this is a non-working number ''.

Today, I called the number in the letter for Experian and the automated system indicated they would put a " freeze '' on my credit.

Today, I sent an online complaint to Experian indicating that I want to file a consumer report dispute.

Today, I am reaching out to you.

Additionally, two of my credit cards were cancelled and reissued on XX/XX/2019, due to suspected fraudulent activity so I am trying to cover all bases.

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 2023-06-26
Company: The Receivable Management Services LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
debt paid was told it would be deleted

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 2023-06-26
Company: GATEWAY FIRST BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
My XXXX XXXX report indicates that Gateway First Bank ran XXXX inquiries on my report. XXXX on XX/XX/2023 and XXXX on XX/XX/2023 At this time, my XXXX XXXX file was frozen. 


Gateway First Bank didn't have my permission to request a report

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Credit Karma, LLC
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I transferred {$400.00} from my Credit Karma savings account to my external Credit Union checking account. Its been 15 days and my transfer has not shown up. Credit Karma says it has been transferred. My Credit Union says they have no record of the transfer. I am now missing {$400.00} I transferred out of my Credit Karma Savings account into my external checking account. Customer Service is pathetic with no help in sight. They respond with confusing emails I suspect are written by someone without a grasp on the English language. My case number with Credit Karma is XXXX. I really need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 writing to CFPB being I'm a service member serving in the XXXX XXXX XXXX by which I have a complaint and would like for this item to be removed being I have followed and sent the required doument of ( SCRA ) Service Members Civil Relief Act a while back and they are reporting incorrect information and information that is not mines. From the several complaints written here on the consumer financial protection bureau from similiar service members and veterans I am requesting that the following inaccurate items be immediately investigated. Please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. 

These are the companies that are all 3 of my credit reports that are inaccurate and not mine : 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 2019-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm disputing this account ( 1 ) XXXX XXXX XXXX  and asking that it be blocked from my credit report due to the fact it is not mines. I have been a victim and now my credit has been compromised. If you the reporting agency can not show physical certified documentation of such then as stated within the FCRA this account shall be blocked and permanently removed from my account. I do not have nor have I ever had an contact with XXXX XXXX XXXX, and if this company purchased such debt from an unknown and unauthorized creditor then that contract shall automatically become void. No debt owed. But in this instant matter either account is mines no way. So I'm demanding that this account be blocked immediately and permanently from my records. Section 609 & 611 can be applied to this. However, I also would like the credit agencies detailed Method Of Verification in the handling of this account. Who did your company communicate with, what was their title, what day and time did this take place, and what certified documents were presented and when was the consumer given the opportunity to verify this. Please either provide in detail or block this account.

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 2023-03-21
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I contacted Chase Visa United Explorer credit card customer service on XX/XX/2022 to close my account. I did this ( as confirmed by Chase in the attached letter ), but the request was not processed due to unnamed " technical reasons ''. 


I accumulated several unauthorized charges because Chase did not close my account as promised. These were mostly subscriptions that I intended to lapse. Chase is responsible for these charges, as even their customer representatives will acknowledge to me. I have spent many hours on multiple occasions trying to resolve this since my initial call, all for a lousy {$220.00}. 

How many others has this company treated this way? I'm sure they will consider paying up adequate to resolve this. I think their business practices need scrutiny. My time is not cheap either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/XXXX, I received a copy of my credit report from Equifax. That report included the following information, furnished by you : 120 Days Late Payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Under the required proof of Adequate Federal Reporting Compliance, such as Metro 2 and the Fair Credit Reporting Act standards, Im requesting XXXX XXXX XXXX XXXX affirm and confirm the creditor classification codes, the exact and complete sequenced Metro 2 data formatted 426 character P-6 statements, as well as all applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect, each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non-transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged. 

I do not consent to E-Oscar reporting and am requesting evidence of every alleged late payment. Every Late Payment reported against me needs to be in compliance with Metro 2 compliance standards. 

Federal Privacy Act of 1974- 5 U.S. Code Section 552a. This law applies to the access to, and disclosure of, records of individuals held by federal executive and regulatory agencies. It requires such agencies, with some exemptions, to limit disclosure, provide access to individual, and to apply basic Fair Information Practice Principles to such records containing the personal information of individual U.S. citizens. 

I wish to know if your office- XXXX XXXX XXXX XXXX has violated Minnesota or Federal Privacy Laws by providing or giving permission of the above-referenced matter to Equifax. 

Under the Fair Credit Reporting Act ( 15 U.S.C. Section 1681 ), you are obligated to investigate this request within 30 days, and promptly give credit reporting agencies correct information if you find that information you have reported is incorrect or incomplete. I have enclosed the Consumer Furnishers of Information, which details your responsibilities under the Fair Credit Reporting Act as a furnisher of information to credit reporting agencies. 

This negative information is damaging my credit. Please promptly contact Equifax and remove this information from my credit file immediately. 

Please confirm within 20 days that you have directed these credit reporting agencies to remove this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Southwest Credit Systems, L.P.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest Credit has placed a collection on my credit report. They said that the debt was from XXXX XXXX. South West Credit phone number is XXXX. Their address is XXXX XXXX XXXX XXXX, TX XXXX. They say that this is for service provided at address : XXXX XXXX XXXX # XXXX XXXX, MA XXXX... I have NEVER lived at this address and I do not know anyone that is at this address. I have disputed this with the credit bureaus ( XXXX, XXXX, XXXX ) also with the company XXXX XXXX XXXX XXXX different times/months and they still keep trying to collect a debt that is NOT mine. This is hurting my credit and I need it to be Deleted ASAP as is is not mine! It is also affecting my buying power and preventing me from getting the best loan possible. This is very frustration as it is not mine and I have tried to get it resolved but with no success so I am writing you to help get this resolved. Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
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:
I have spent many months disputing wrong and inaccurate information on my credit report. they have fail to properly to investigate or correct the many problems they have on my report. Everytime i dispute something they send back an generic response saying that the information have been verified. i have even sent in a police report for a few accounts still nothing. the cant even provide the proper documentation to show that the account belongs to me. they don't sent me anything but a copy of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Real Time Group, Inc.
State: CT
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a communication from Real Time Solutions for a debt that the system of litigations is expired on. Also, the debt was reassigned in a court agreement to another party and the debt origiinator failed to respond at the time the debt was settled in housing XXXXt. A cease and decsist letter regarding their communications was sent to them as well by return receipt certified mail also advising them of this and that continued efforts would be reported. They continue to send correspondence after this which is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been with XXXX on the Public Loan Service Forgiveness plan since XX/XX/XXXX. On XX/XX/XXXX I contacted them because on my account it says I have only made 7 qualifying payments out of the three years I've been with them. As of today XX/XX/XXXX they still have not reviewed my complaint and fixed their mistake. They keep saying I am on the right plan, but my qualifying payments are not moving. I have contacted them at least once a month since I inquired about this and I keep getting the run around. At first they said it would be 7-10 business days, after that they said it would be 160 days. I called today which is day 290 and I still do not have an answer. The lady said she would have to email her supervisor and they would get in contact with me within the next 7-10 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from 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 2023-06-08
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: Account information incorrect

Complaint:
XXXX ( XX/XX/23 ) i've contacted this company about reporting inaccurate information accounts that dont belong on my report that are currently giving me a hardship within my life that's stopping me from making purchases and extended my credit to the companies that I actually want to do business with. I know under U.S.C 1681 e ( b ) they should be furnishers of information, such as creditors or lenders, have a responsibility to provide accurate and complete information to consumer reporting agencies. 

Transunion ( XX/XX/23 ) i've spoken with this company about the same problem reporting inaccurate information there telling me to just wait XXXX ( XX/XX/23 ) I've contacted this company about inaccurate information

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 2022-10-15
Company: MOHELA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loans were transferred to MOHELA in XX/XX/2022. I've submitted XXXX periods of employment for PSLF but MOHELA says I only have XXXX. I've emailed repeatedly and have been on hold on the phone for 2 hours just to be told that they can not find an account under my social security number, then the automated system disconnects me. I CLEARLY have an account, as I can see it when I log in to their website. No one will call me when I email. I can not get through on the phone. My PSLF paperwork is just sitting there. I should be eligible for forgiveness NOW. PLEASE HELP!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
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: Reporting company used your report improperly

Complaint:
Delete this account in its entirety. Thank you, XXXX XXXX - account XXXX XXXXXXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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