BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-21
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a military spouse attempting to resolve the below account. I disputed the item and the debt collector immediately increases the debt balance. The balance has since decreased. It is illegal for a debt collector to increase the balance to prove a point. Please help me resolve this issue/account. 
Account info Account name XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1700.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$0.00} Original balance {$1700.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXBalance : {$2700.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$2600.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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 2017-04-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Todays date : XX/XX/XXXX Dear To Whom It May Concern : XXXX XXXX, CA XXXX XXXX XXXX, TX XXXX Equifax XXXX, GA XXXX I recently pulled a copy of my credit report and found that you are reporting the following account on my credit report that should be removed immediately. At one time I was an " Authorized User '', however, I requested to be removed as an authorized user a very long time ago. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$19000.00} REV {$14000.00} MIN {$290.00} {$0.00} XXXX AS AGREED XP/TU/EF AUTHORIZED USER XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4500.00} REV {$2200.00} MIN {$64.00} {$0.00} XXXX AS AGREED XP/TU/EF AUTHORIZED USER Per the Fair Credit Reporting Act, if I am not a joint owner, or co-signer of an account it should not be reported on my credit profile. I am requesting that you contact the creditor to confirm that I am not an owner of this account and that I am no longer an authorized user, and remove it from my report as soon as possible. 
I look forward to receiving a copy of my corrected credit report. 
Thank you for your help. 

Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX, XXXX, equifax Please take notice that this letter dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX 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.

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 2022-04-30
Company: Paypal Holdings, Inc
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Venmo has frozen my account without any reason. My account has been frozen for almost 2 years. I have messaged, and called continuously and continue to get one of the following answers, we can unfreeze your account, or we have to send you to another department, that then says oh your account is frozen there is nothing they can do. They asked me to identify my identity which I did on multiple occasions but they continue to give me a run around. They wont let me take out my money and will not give me any resolution to close the account and transfer my money out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I've sent several letters to XXXX, XXXX, and Experian requesting the removal of a Bankruptcy from my credit report or to provide proof from the court to verify the reporting accuracy. Most recently letters were sent certified on XX/XX/XXXX, XX/XX/XXXX as well as letters in XXXX. They falsely claims on my credit report that information received from the bankruptcy court was verified as accurate. I received a letter from the court clerk stating that the court does not report to third parties including credit bureaus. Credit Bureaus have failed to respond to my request for method of verification concurrently with the FCRA and allow me a current copy of 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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely 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 2023-04-03
Company: Experian Information Solutions 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:
I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items 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/2022 XXXX OF XXXX XXXX2022 XXXX XXXXXXXX XXXX/2022 XXXX XXXX XXXX XXXX/2022 XXXX XXXX/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 explanation
Consumer complaint received 2017-03-11
Company: James E. Albertelli, P.A., a Florida professional association
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XX/XX/2017 Certified Mail : XXXX Debt Collectors : XXXX XXXX XXXX, UT XXXX ABERTELI LAW OFFICE XXXX, XXXX, FL XXXX XXXX XXXX XXXX, NC XXXX cc : Federal Trade Commission Office of Inspector General XXXX XXXX XXXX, DC XXXX Re : Acct No. XXXX Acc # XXXX XXXX Acc # XXXX Abertelli Law Office Acc # XXXX File # XXXX NOTICE OF VERIFICATION DEBT I am writing this letter in response your Abertelli Law Office 's Demand letter on XX/XX/2017 and XXXX " Notice of Default '' XX/XX/2017 and XX/XX/2017. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you has been falsely claiming. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. Identify the original creditor and address 3. The agreement bearing my signature stating that I have agreed to assume the debt 4. Valid copies of the debt agreement stating the amount of the debt and interest charges 5. Proof that the Statute of Limitations has not expired 6. Complete payment history on this account along with an accounting of all additional charges being assessed 7. Commission for debt collector if collection efforts are successful. 
8. Any insurance claims been made by any creditor regarding this account. 
9. Any Judgments obtained by any creditor regarding this account 10. Show me that you are licensed to collect in my state ; and 11. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


XXXX Patient Legal agent XXXX XXXX, Fl XXXX XXXX Email : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In the beginning of the month of XX/XX/2022 I paid off my student loan in full ( DPT EDXXXX XXXX XXXX ( XXXX  ) acct # XXXX ). I contacted Transunion in XXXX notifying them that the loan was closed and paid in full and should be reflecting a XXXX balance, this was along with other issues on my report as well. I followed up in XXXX by mail ( tracking # XXXX ). They have yet to correct the issue and will not disclose what method they are using to verify and their method of investigation. The continue to reply with information is correct and has been verified, even though the information is incorrect.

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 2023-01-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have made numerous attempts to contact the Healthcare Revenue Recovery Group , LLC, after they sent me a notice of a potential debt. 

They advised me to email them. I did so multiple times to multiple email addresses. They have never replied nor confirmed they received my message. On their letter they advise emailing XXXX, I have emailed that address over 4 times to no avail. 

They also suggest emailing XXXX, I have emailed that address 3 times and gotten nothing back. 

They suggest calling ( XXXX ) XXXX, both in the letter and on their website. When you call this number you hear a statement which says the line is not in service. 

They have not made it possible to be contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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/2022 ) 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. 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 XXXX data breach and may have got into the hands of the wrong person.

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 2023-09-22
Company: EQUIFAX, INC.
State: VA
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:
I have never validated or correctly reported my credit history or the following information. Therefore, I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be permanently rectified immediately. I also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 
I am making another sincere attempt to work with you to resolve this issue before I am forced to consider legal action. Your inaccurate and non-compliant reporting is causing me unfair credit turndowns and exorbitant interest rates. Therefore, I am providing you with the following options for a resolution : Please understand that I will only accept regulatorily compulsory and lawfully compliant claim ( XXXX ) information alleged against me if it is confirmed to be accurate and complete. Any deviations or inadequacies in your reporting could potentially jeopardize the integrity of the alleged claim ( XXXX ) ( as per XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Solidus Group LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
The company name they say is XXXX out of South Carolina They keep call on different phone numbers and threatening to sue for a depth that I took out which I never did and when I ask for the paper work they keep saying that will be provided by the court. and they are harassing my family by calling my kids, my wife even calling my wife at work and a XXXX and telling all of them that I will be sued in court if they do n't have me call them back I have check on XXXX and with the XXXX XXXX and I ca n't find any information on this company so I believe it to be a harassing scam. No legitimate company know to not call work or a federal government place and harass people

Company response to consumer: Untimely response
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: TX
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:
I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint is my follow-up to my previous complaint on this platform dated XXXX  to ensure that the following items are deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$100.00}

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 2017-02-10
Company: AMRON PROFESSIONAL SERVICES
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Got a call from XXXX saying there was a PayDay loan taken in my name back in 2012 which was not paid and I owe {$520.00} and if I do not pay it will go to court. I never took out a pay day loan in my life. Someone used my ID to get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Portfolio Recovery Associates, on behalf of XXXX XXXX, will not submit the verification information requested to validate that this is a debt owned by me. They did send me copies of bills with no charges and only balances being mailed to an address that I have never resided at, but no application for me to verify signature or other signature information. I have requested this information twice to no avail from both PRA and XXXX.

Company response to consumer: Closed with explanation