BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-10
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is an attempt by a former landlord and its Debt Collection Agency to profit from the Covid-19 hardship. After successive phone calls in which I contested the debt, I demanded validation of this debt and the collector sent a letter demanding payment of a " late fee '' of {$3100.00}. The fee purportedly arose from my prior residential tenancy in Philadelphia. Commencing on XX/XX/XXXX, months before the XXXX expiration of my lease, I gave multiple written notices by certified mail, return receipt to my landlord stating that I would not be renewing my lease because I was fired due to Covid-19 layoffs. The landlord signed for my letters. It knew my financial condition. I was unemployed and couldn't afford a lease renewal. Simultaneously, on XX/XX/XXXX, the XXXX XXXX XXXX passed the Emergency Housing Protection Act ( " EHPA '' ) ( Sec 9-809 ) which barred landlords from charging late fees from tenants who experienced financial hardships due to Covid-19. The law covered fees imposed from XX/XX/XXXX to XX/XX/XXXX, overlapping the exact period of my lease. The EHPA rendered any lease provision charging such fees " void '' and " unenforceable ''. My lease expired in XX/XX/XXXX and on XX/XX/XXXX the Landlord demanded payment of the " late fee ''. The Landlord 's managing agent concealed my prior certified letters and unilaterally inserted her own dates to make my notice of termination appear late. The landlord then predicated its " Late Fee '' on the late date imposed by its own agent. I wrote the landlord regarding all of the issues and never heard back. On XX/XX/XXXX, I commenced a mediation before the XXXX. Attorney General. The landlord defaulted and never appeared to adjudicate its claim. Unfortunately, the mediation was voluntary and the landlord evaded a final determination. No further communications occurred over the last six months, until the current debt collector attempted to resurrect this claim. This debt was fraudulently manufactured by this landlord and was explicitly void under the Phila. EHPA, but this Debt Collector is acting oblivious to the underlying illegality and pressing a spurious claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
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: Account information incorrect

Complaint:
Transunion, XXXX, and XXXX are reporting inaccurate account information. ( XXXX XXXX XXXX XXXX XXXX # XXXX ). Transunion, XXXX, and XXXX are reporting incorrect opening dates, incorrect payment histories, and incorrect closing dates. This is a violation of 15 U.S Code 1681 ( Fair Credit Reporting Act ) I have called XXXX XXXX on multiple occasions, and I have visited two XXXX XXXX branches in an attempt to received proof of the account dates and payment history. XXXX XXXX has failed to provide me with any information regarding the inaccurate ( XXXX XXXX XXXX XXXX account # XXXX. ) XXXX XXXX, Transunion, XXXX, and XXXX have all violated the Fair Report Act that was established to protect consumers ( Me ) from inaccurate report information ( Them ). I am asking that the inaccurate XXXX XXXX account ( XXXX ) be delete immediately from Transunion, XXXX, and XXXX 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 non-monetary relief
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am writing to bring to your attention the unresolved issue concerning late payment accounts on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with late payment accounts remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. 

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 2023-10-20
Company: EQUIFAX, INC.
State: MT
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:
XXXX XXXX XXXX ( Original Creditor - XXXX XXXX Account Type : Debt Buyer ) : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Cedars Business Services, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a collection account showing on my XXXX credit report, I tried to dispute the account online many times, because it was really unfair to have this account on my report because the moment the collection agency contacted me I paid in full especially the orginal creditor is from a foreign country who sold the account to the collection agency. 

However, the account was removed from my report on XX/XX/2021 and now its back in my report!!! How is that possible!!! When I was speaking to dispute XXXX from XXXX she said it wasnt removed!! How is it possible they play with my credit report?!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is affecting my score showing negative items. This account has been taken off other creditors but this creditor is still sending negative reports to my credit report XXXX  when this has been resolved under identity theft. The number to contact this company is not applicable.Please take this off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: AL
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:
In accordance with the Fair Credit Reporting XXXX Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is my second time submitting a CFPB complaint about this issue but I am not going at it from a different angle. Rather than asking for Apple Card/Goldman Sachs to resolve the dispute in my favor like I did in my original complaint, I would like to complain about the fact that these disputes have been resolved in the merchants favor despite the merchant not actually existing. Apple Card/Goldman Sachs said in their reply to my first complaint that they dont have any merchant evidence because they looked only at my account, not involving the merchant. If they had looked into the merchant, they would see that the merchant doesnt even exist. I was given this information from the credit card company : The merchant is XXXX XXXX, their address is XXXX XXXX XXXX XXXX XXXX, TX XXXX, and the category of the transaction is clothing. 

There is no clothing store at that address, nor is there any company called XXXX XXXX. There is no information to be found online about XXXX XXXX, nor any contact information. According to the Texas Comptroller website, there is no business license in the state of Texas for a company called XXXX XXXX. It does not exist. It is not possible for me to have made a purchase from a merchant that does not exist. 

I am now submitting this complaint because the credit card company did not do this due diligence, and instead focused only on my account. I could not have made the purchase, because there is no merchant for me to have purchased from. 

For additional information, I did make a purchase last year from a company called XXXX XXXX for a similar monetary amount and received those funds back after the company was found to be fraudulent and ended up closing before opening under a new business name ( XXXX ). XXXX XXXX was also based in XXXX XXXX and had access to my credit card information from the purchase I had made with them that was successfully disputed after they had been found to be fraudulent. I believe these things to be connected, thought I can not prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Problem with personal statement of dispute

Complaint:
There is a Bank of America debt with Spirit that a family member has XXXX + I am only an authorized user. I have let them know the family member is XXXX, and written a cease and desist letter and they continue to harras me and come to my apartments to try and issue a court order for the family member It is beyond harassment- they have come to my knowledge from others 5+ times. 
I mailed letter over 2 weeks ago and reported to XXXX and they replied, and yet I found out they came again today. 

They should be legally held responsible to stop harassing people, especially when it is not my debt, and in general, and this debt is over 4 years old so should be written off regardless. 

I. have the cease and desist letter and may share with media and describe their treatment.

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 2021-03-17
Company: ARC Management Group, LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent a request to validate debt to Arc Management group on XX/XX/2021. Tracking shows they received my request XX/XX/2021. Did receive response from Arc Management until XX/XX/2021, and the letter they sent me contained nothing but them saying " they are not required to keep detailed files of the alleged debt '' this provides no proof of debt and proves nothing of the alleged debt. I would like this removed from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX. Wells Fargo Home Mortgage Wells Fargo will not provide XXXX 1099 form as required for remediation payment in XX/XX/XXXX. 
I have called 3 times since XX/XX/XXXX and each time was promised someone would look into it and get back with me. No follow up by them on the first XXXX calls. On third attempt I was on another call when Wells Fargo attempted to reach me. They did not leave a message or ( as I had requested ) email me. When I called back they told me the agent who called me had left for the day and did not leave any notes as to why she tried to call. When I asked to speak with a XXXX I was told they could only put in a request to have someone call me back on Tuesday. 
I spent countless hours in XXXX on their misread of CARES Act forebearance directive which eventually resulted in their remediation payment ( with no notice and less than one month remaining in the tax year ). A longer story which I '' m happy to share but my immediate complaint/request is that someone please provide some motivation for them to provide the 1099 Form they are required to send out by XX/XX/XXXX. Thank you, 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 2022-03-06
Company: AUTOMOTIVE CREDIT CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Automotive Credit Corporation has been taking my State Income Tax since XXXX it is XXXX and they will not update the correct owed amount if any at this point! I have attempted to resolve this error numerous times, the car was handed back over to them voluntarily it was a botched deal they charged me originally $ XXXX for a XXXX  that was 10 years old with problems they were aware of but I wasnt when I purchased the vehicle which was reported as well!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Navient is contacting family members who are not in my household with unlisted, unreported numbers in disregard of the FDCPA authorization of third-party allowances. They identify themselves as being from Navient and are attempting to reach me. XXXX XXXX at XXXX is claiming 2 family members as contact references that I know are not included on my contact list.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Marlette Funding, LLC
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: Was not notified of investigation status or results

Complaint:
Over the past year I have compained to both Best Egg and XXXX about the attached account, where as best egg is impoperly reporting late payments and payment status. I have tried everything to get them to fix this error. Both point the finger at the other, My last letter was sent to transunion on XX/XX/XXXX with not response,, see attached. 

The account listed above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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: Account status incorrect

Complaint:
Dear Consumer Reporting Agency, I am writing to inform you that I recently received my credit report and found inaccurate information on it. I believe that this violates the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681 and 15 USC 1681b.

According to 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies are only permitted to furnish a consumer report based on the written instructions of the consumer. As I did not provide written instructions to include the accounts listed below on my report, they should be removed. REMOVE TRANSACTION HISTORY this is not a dispute, it is written instruction. please update immediately. if there is consumer debt for XXXX XXXX XXXX, please send 1099c, it is illegaly to charge off an account and report monthly payments XXXX XXXX XXXX XXXX, Experian XXXXXXXX XXXX XXXXXXXX, Experian XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Experian XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX, Experian XXXX XXXXXXXX XXXX XXXXXXXX, Experian XXXX XXXX XXXX XXXX, XXXX, Experian XXXX XXXX XXXXXXXX, Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian Furthermore, as a consumer, I demand that the utilization for the above accounts be updated to 5 % or below, or alternatively, that all utilization information be deleted due to inconsistencies across the board. I would appreciate a copy of my updated consumer report once the changes have been made. 

Please be aware that if you fail to respond satisfactorily and remove the negative account information, I may take legal action against your company for FCRA violations, which includes civil liability and financial penalties. 

Please note that due to my current physical situation, which is the result of a prolonged XXXX sickness, I am unable to communicate by phone. Therefore, I request that we handle this matter electronically and through email. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : 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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Despite repeated attempts to address this matter, it has come to my attention that your bureau has failed to take the necessary actions to rectify this situation promptly. 
It is imperative that you understand the gravity of this issue and the profound impact it has on my financial well-being, credibility, and personal security. I have provided you with detailed information and documentation establishing the fraudulent nature of these accounts, as well as my status as an identity theft victim. Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to conduct a thorough investigation and ensure the accuracy of the information reported on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Reference XXXX My patience has worn thin due to the ongoing presence of these fraudulent accounts, which continue to undermine my ability to access credit and financial services. 
I demand a written response from your bureau confirming that these actions have been taken and that the fraudulent accounts have been successfully removed from my credit report. Any failure to comply with your legal obligations under the FCRA will not be tolerated.

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 2019-08-08
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon reviewing my credit report I was made aware of a few errors that were listed on it. 1 of the errors was this debt for {$3300.00}. I would like this collection to be removed. I called and wrote to verify this debt with the collection agency and they were not able to verify this debt. I would like this debt removed because it does not belong to me and the collection agency was not able to verify it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation