BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently received a copy of my ( XXXX, XXXX, and TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX  XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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 instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I do not have access to my credit report after I disputed some things on my previous report and its says unable to process the request

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 2020-12-15
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I contacted Paramount Recovery Services Collection Agency in regards to a notice I received on my XXXX XXXX  of two negative accounts. I disputed them through XXXX and XXXX  without success. I called Paramount today and the associate was very rude and spoke very quickly the first time I called. I was not aware of these medical bills and have been disputing many of them from different collection agencies from XXXX and XXXX and most have been deleted as I had insurance during these years. The person I spoke to said the original creditor was XXXX XXXX XXXX but would not give me their number due to " HIPAA '' and would only give me the date of medical service. She said she would send a letter with their information but that it won't change the outcome of my dispute. I called again and another associate was able to give me the name of the hospital and exact date of service but not a phone number to the original creditor. She said I have to prove I paid the debt or that my insurance paid the debt ( well, duh, that didn't happen ). I called the hospital and they gave me date of service, total bill ( about 5000 dollars ) and what was performed. She also could not provide a number to XXXX XXXX XXXX yet they work directly with the hospital?? I asked why these two bills were not paid since I was told my XXXX XXXX XXXX paid hospital visit or ER visit in full which is the insurance I was on at the time? She said some doctors outsource and might not accept the insurance. I asked where does it state that when I go to the ER? She literally did not answer my question and just kept saying that most people appeal it through their insurance and win but with county insurance you can't appeal? I couldn't even get through to XXXX XXXX XXXX today. I am now aware that in XXXX a law was passed so that patients don't go through " surprise bills '' for this very reason. So because I can't get through to XXXX XXXX XXXX according to XXXX ( XXXX XXXX ) billing department I can't get information on the doctor that billed these amounts to me. I am now on permanent XXXX and I am tired of these medical bills showing up on my credit report that I don't remember receiving in the mail as I have moved five times since XXXX. But even if I did receive these bills, according to everyone I have spoke to their is nothing I can do except pay up. Please help me because this is wrong!!! Paramount Recovery has accepted this debt so they are responsible for making this right!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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:
I have ask the Credit to remove the XXXX accounts from my credit report in XX/XX/2022. It is my Consumer right to the right or Privacy U.S.C Section A Right to Privacy. U.S.C. Section 604 A Section 2 nothing should be written on a consumer report without written permission from the consumer. The accounts have been either paid and was told it was being removed plus i have my credit report which have different dates which i received notice it was verified on all four accounts including the XXXX XXXX XXXX complaint i also filed the XXXX accounts are XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CXXXX 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 2021-05-04
Company: Experian Information Solutions Inc.
State: AL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

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 2022-12-30
Company: The CBE Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am aware that according to article 9, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with The CBE Group , Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2022 I have not received any documentary evidence such as a trilateral contract giving The CBE Group , Inc any right to collect on this alleged debt. I have never received any documentation requesting validation from The CBE Group , Inc . If The CBE Group, Inc can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until The CBE Group, Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and The CBE Group , Inc continues its collection efforts, I will file for litigation for actual damages caused and The CBE Group, Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Navient Solutions, LLC.
State: PA
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:
Navient  misallocated payments, steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I received a copy of my credit report and I have found the following items listed below to be in error. These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed PAYS or PAID AS AGREED. 

XXXX  XXXX name + XXXX I was never late on this account. Please update the account as Paid/Current. 

XXXX XXXX  + XXXX I was never late on this account, and the account is closed and paid in full. Please update this account as Paid/Closed. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this within 30 days of receipt of this information. 

Finally, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file.

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 2022-12-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XXXX for the first time in several years to retrieve my XXXX report to lift freeze and dispute a collection account not mine was unable to access after answering questions correctly. 

I was told I had already received try back 7 days. 

Equifax is reporting a collection debt that has never been mine. I only had a wifi connection with XXXX for tv service. My cellular company for several years has been XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: WELLS FARGO & COMPANY
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/19 someone hacked into my wells fargo account - changed my passwords and transferred {$200.00} in 3 different transactions via XXXX - i have never used and did not even know that XXXX was available through my account - i contacted wells fargo the very same day it happened - i then filed a police report with my local police department - i was then told that my case would be sent to the fraud dept and they would tellme if i was going to be able to get my money back - i finally recv 'd a call back on XX/XX/19 stating that i had lost my case. I am at a loss as i do not know what recourse i have at this point

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 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX  XXXX {$2100.00} XXXX XXXX {$1600.00} XXXX XXXX XXXX {$2100.00}

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 explanation
Consumer complaint received 2018-12-13
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I getting the run around about correcting a ongoing balance. XXXX XXXX blames it XXXX and XXXX  blames it on XXXX XXXX. It is holding me up from buying my home. Loan officer wont let me go further

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24
Company: FEDChex Recovery, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
They keep calling non stop from different numbers and texting me past XXXX oclock. This is their website XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Experian Information Solutions 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 have disputed a Chapter XXXX bankruptcy on my credit report fir more than three years that did not occur. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I have submitted proof to Experian, XXXX and XXXX   that a bankruptcy did not take place. I requested a verification of debt from Experian, XXXX and XXXX and was notified that the bankruptcy court confirms the information. I received a letter from the bankruptcy court that no reporting is provided to credit bureaus. Additionally, I had to place a security freeze on XXXX XXXX due to fraudulent activity and inaccurate reporting without my knowledge.

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 2018-09-20
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I just noticed that in2016, Citibank paid consumers because of fraudulent activity with Credit Card Protection. They are doing that same thing to me, now. I took the Protection, and just today find it is through XXXX XXXX XXXX. Between 2016 and today less than {$600.00} has been paid on the acct. I called Citi, they will send a statement from 2016 but said acct has gone to collections, how can that be when I still pay for protection. They will not permit me to have access to this acct on line, and I tried two years ago and they said no. Wont send me an up to date statement and XXXX XXXX wont say what they pay or what I am paying them for this Payment Safeguard program. This is Fraud. Someone needs to go after them again, this consumer seems to have no rights. I am to the point I am not going to pay Citi, unless I get answers. Can you help.

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 2023-04-29
Company: Experian Information Solutions 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:
I Sent my letter off in XX/XX/2023 I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Accounts XXXX XXXX XXXX Account # 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 2019-07-16
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: Their investigation did not fix an error on your report

Complaint:
I have disputed a Chapter XXXX bankruptcy on my credit report fir more than three years that did not occur. On XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX, I have submitted proof to XXXX, Transunion and XXXX that a bankruptcy did not take place. I requested a verification of debt from XXXX, Transunion and XXXX and was notified that the bankruptcy court confirms the information. I received a letter from the bankruptcy court that no reporting is provided to credit bureaus. Additionally, I had to place a security freeze on XXXX XXXX due to fraudulent activity and inaccurate reporting without my knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XXXX XXXX of XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taking advantage of and being ignored of my disputes. In Section 611 ( a ), it plainly calls out that a failure to investigate theses items with in 30 days gives a clear and present reason to immediately remove those items from my credit report it has been over 60 days so the items in question should be deleted promptly. I demand the accounts in question be deleted immediately or I will file for a litigation due to the mental and emotions stress you have caused me. This matter has effect my mental and physical wellbeing and I will seek damages if this matter is not swiftly resolved. My information was also impacted by the XXXX data breach. 

This is my 2nd attempt to get this matter resolved. My 1st attempt was sent in on XX/XX/XXXX .Any further attempts will include additional complaints to the XXXX as well as my States Attorney General. 

Absolutely nothing in my complaint could reasonably given rise to the suspicion that it was not sent by me. The classification of my complaint as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letters and complaints in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed. Please remove the items in question from my report ASAP.

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