BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-12
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX & XX/XX/XXXX from XXXX XXXX for {$520.00} by XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX from Columbia debt recovery llc/ XXXX for {$1500.00} by XXXX . I wasn't given the verification documents I sent by certified mail to collection companies involved or credit bureaus, which violated the Fair credit reporting act. I asked that these accounts be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I pay annual fees to XXXX to keep my credit card open. 
XXXX states that I requested to close that account. I have never requested to close this account. Everything about this account remains open on the XXXX app. Moreover, I still use the card and I still paid annual fees without interruption, and promptly, to XXXX. There is no reason why this account should indicate closed. 
XXXX confirmed this mistake on their end and I requested that they update the Credit Bureaus. They have not updated the credit bureaus, which still indicates a closed account for them -- but no other accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Original Creditor : XXXX Dear Sir or Madam : I am the victim of identity theft. I recently learned that someone used my personal information to open an account and make purchases with XXXX. This debt is not mine. In accordance with the Fair Debt Collection Practices Act, I request that you stop collection proceedings against me and cease communications with me about this debt, except to comply with section 615 ( g ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), as described below. I further request, pursuant to section 615 ( g ) ( 1 ) of the FCRA, that you notify XXXX that the debt is the result of identity theft. I Never opened a credit card with XXXX, and never will. My personal information was used to obtain credit in my name, which I am not responsible for. An identity theft report will be included. Also a police report is in the process of being filed in regards to this matter. Enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the FCRA as an information furnisher to credit reporting agencies. The Notice also specifies your responsibilities when a credit reporting agency notifies you under section 605B of the FCRA that information you provided to it may be the result of identity theft. Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. Please provide me with the following documents related to this account : 1. Application records or screen prints of Internet/phone applications 2. Statements or invoices 3. Payment/charge slips 4. Investigators summary 5. Delivery addresses 6. All records of phone numbers used to activate or access the account 7. Signatures on applications and accounts 8. Any other documents or records associated with the account Please send me a letter detailing the actions you have taken to : 1. notify the original creditor that the debt is the result of identity theft ; 2. stop collection proceedings against me ; 3. cease reporting this information to the credit reporting agencies ; 4. provide me with the information I am requesting ; and XXXX take all actions required of you as a furnisher of information to credit reporting agencies. Thank you for your cooperation. Sincerely, XXXX XXXX XXXX XXXX XXXX : I have attached to following documents FCRA 615 ( g ) ( 2 ) FTC Notice to Furnishers of Information FTC Identity Theft Report Police Report ( Pending Deputy Signature )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: MD
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 is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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  Balance : {$0.00}

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 2023-05-30
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged a cash advance fee for a transaction that was incorrectly categorized. I asked Citi to grant a one time refund and they were unable to. I then asked to dispute the charge as the services were by definition not as described by the merchant. I was then hung up on by the representative and did not receive a call back.

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 monetary relief
Consumer complaint received 2021-11-22
Company: PNC Bank N.A.
State: SC
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 am displeased with PNC 's response to dispute # XXXX as the information provided by PNC is incorrect. It took PNC several weeks ( fromXX/XX/XXXX until XX/XX/XXXX ) to " produce '' this document that I had never seen before or ever received. Nor was it sent certified mail or tracking to verify receipt. Additional, PNC was only able to " produce '' this document after I reported them to the CFPB. Even after the compliant was filed, it took them almost a month to " produce '' this document. 

Additionally, I have located the original approval letters from PNC showing I was indeed granted a COVID Relief Hardship Deferral onXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX This disproves their document from XX/XX/XXXX and further substantiates my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
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:
12 Student Loan Accounts All Starting with Account # XXXX Reporting 9 late or missed payments on each account beginning XX/XX/XXXX. 
Accounts show current status for XX/XX/XXXX but 90 days past due in XX/XX/XXXX. 
This is a clear error and incorrect as you can not be current in XXXX and be 90 days past due the following month. 
The accounts then show being current again in XX/XX/XXXX until XX/XX/XXXX and then 90 days past due in XX/XX/XXXX this again is incorrect and inaccurate information as this is not possible. 
This negative information is preventing me from securing new lines credit, employment and housing opportunities. 

I have disputed this information directly with XXXX, contacted Experian, XXXX, and XXXX  to have this information reported accurately but this information has not been updated. I am trying to avoid a legal suit but feel like this may be my only recourse. 

All balances : {$6200.00} {$7500.00} {$8600.00} {$11000.00} {$220.00} {$1500.00} {$4300.00} {$4100.00} {$6100.00} {$3900.00} {$1500.00} {$2500.00}

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 2023-09-07
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 is missing that should be on the report

Complaint:
XXXX credit card/XXXX have not updated my balance owed. It have been over 30 days and its affecting my credit score. The balance is suppose to update every 30 days.

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 2023-08-16
Company: Credit Karma, LLC
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Credit Karma website advertises that I am prequalified for almost all the credit cards listed on there. When I tried to obtain one, I was denied and no reason was provided as to why that was. That hurt my XXXX XXXX in turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Affirm Holdings, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Affirm has reported to XXXX that I owe them money on an account that it paid off and they are refusing to updated my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an allege identity theft, not later that 4 business days after the date of receipt. 
it has been 30 days and your are in violation of this law because i am a victim of identity theft!!!! please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
Company: Sequium Asset Solutions, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not know what this debt is nor the amount. Sequium Asset Solutions continues to call my personal cell phone number many times a day and sometimes back to back calls. Below are the numbers, dates, and times they have tried to contact me after my request to stop. 

XXXX - XX/XX/2021 - XXXX, XXXX, XXXX, XXXX XXXX - XX/XX/2021 - XXXX, XXXX XXXX - XX/XX/2021 - XXXX XXXX - XX/XX/2021 - XXXX XXXX - XX/XX/2021 - XXXX, XXXX XXXX - XX/XX/2021 - XXXX XXXX - XX/XX/2021 - XXXX, XXXX, XXXX XXXX - XX/XX/2021 - XXXX, XXXX XXXX - XX/XX/2021 - XXXX XXXX - XX/XX/2021 - XXXX XXXX - XX/XX/2021 - XXXX, XXXX, XXXX XXXX - XX/XX/2021 - XXXX, XXXX XXXX - XX/XX/2021 - XXXX, XXXX XXXX - XX/XX/2021 - XXXX, XXXX There are many other numbers before and after these calls from Viop lines in the same area as these numbers above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/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 2021-10-18
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My medical debt was paid by me on XX/XX/XXXX {$680.00} to Harvest Associates Inc and I received a receipt it was paid. Requested it to be removed from my credit immediately. 
Called my medical insurance company on XX/XX/XXXX and was told they paid the debt as well on XX/XX/XXXX {$650.00}. I requested a transcript of all medical payments for XXXX since I never received them. 
I contacted XXXX XXXX XXXX XXXX XXXX and was told they did not know how to retrieve the virtual payment online, per the associate. Per a three way call with XXXX XXXX to my insurance company. I was able to get the insurance company to stop pay and reissue the payment sent on XX/XX/XXXX. Did three way call again another 2 times for payment to be reissued. 
Faxed copy of payment receipt to XXXX XXXX XX/XX/XXXX. My Insurance company would not allow me to cancel a payment to be reissued. Had to come from XXXX XXXX. 
Tried to get my insurance company to make the payment to me on XX/XX/XXXX was told the XXXX XXXX XXXX billed them it had to be paid to them. 
I faxed XXXX XXXX copies of receipt from Harvest Associates payment on XX/XX/XXXX and XX/XX/XXXX. Did not receive any contact from XXXX XXXX until XX/XX/XXXX requesting payment and I explained the issue again. 
I received a text to pay the {$25.00} co-payment on XX/XX/XXXX. 
I contacted XXXX XXXX on XX/XX/XXXX to tell them again the bill was paid in full to Harvest Associates and I will not be paying the {$25.00} co-payment until I receive a refund of {$680.00}. 
Per XXXX XXXX XXXX no one reported to them it was ever paid. Per XXXX XXXX they contacted Harvest, on XX/XX/XXXX was waiting on response. 
On XX/XX/XXXX XXXX XXXX sent them a copy of the receipt again and was told it had to be researched. Not sure why, its a receipt they provided to me on XX/XX/XXXX. Called Harvest on XX/XX/XXXX, to avoid this letter and was told I would get a call back on Friday XX/XX/XXXX or Monday XX/XX/XXXX with a refund status. The owner that cuts the checks will be out till Friday XX/XX/XXXX or Monday XX/XX/XXXX. No contact from Harvest. 
I feel Ive been a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Direct Recovery Services, LLC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Direct Recovery Services called my phone at XXXX on XX/XX/2019 and left a threatening voice mail regarding an alleged XXXX? debt owed by someone who I believe is my niece, XXXX XXXX. I have not communicated with my niece in well over 20 years, have no knowledge of her location or phone number, and had no idea that she had a debt to a collection agency. 
This voicemail message went well beyond attempting to determine the debtors current contact information and is clearly in violation of the FDCPA which " prohibits a collection agency from discussing your debt with your family, friends, neighbors or employer. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2023-07-24
Company: Experian Information Solutions 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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2022-05-16
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX- XX/XX/XXXX I was in COVID forbearance with my mortgage. 

After that ended Freedom Mortgage created a loan modification that made my monthly payments go UP. I told them repeatedly that this would be extremely difficult to pay given my financial circumstances as a XXXX mother of XXXX. They did not care and said I had to do the loan or sell my house. During this process they sent me at least 10 different versions of the paperwork because there were errors on them. XXXX. XXXX dated XX/XX/XXXX stating I needed to apply for a loan modification by XX/XX/XXXX and that a foreclosure sale is scheduled for XX/XX/XXXX! 

I have very LOW confidence my modification was done properly given all of these errors and oversights. 

I also discovered there was a XXXX XXXX to help homeowners in this situation and applied but since I already started the loan modification process with FM I was denied. 

I called FM several times trying to work something out and found out I could have done a 40 year mortgage but that was never offered to me either. 

I am now a month behind and racking up late charges because my loan is no longer affordable as I suspected in XXXX. 

They also incorrectly reported my forbearance to the credit bureaus which had a negative impact on my credit.

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 2023-07-24
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 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 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 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