BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023

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 2022-03-10
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2018-03-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I spoke to someone from this company a few weeks ago. They informed me there is a debt that is past the statute of limitations so they could not report to credit bureaus or file a XXXX, but that they were trying to pursue it. I told them that I do not recognize the debt and that I never received any paperwork regarding the issue. I gave them my address and told them I can not speak to them regarding the matter until I saw the details on paper. I never received anything from them through the mail, but they continually call my cell phone from different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these 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 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 non-monetary relief
Consumer complaint received 2023-05-31
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Continued calls and letters about a debt that is not owed. Notified on a phone call in XXXX that this debt is not owed. Received letter dated XX/XX/14 that I owed debt. Called and notified that this debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/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 non-monetary relief
Consumer complaint received 2020-06-30
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 get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$420.00} XXXX/XXXX   XXXX {$700.00} XXXX/XXXX XXXX {$450.00} XXXX/XXXX XXXX {$520.00} XXXX/XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
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: Account status incorrect

Complaint:
The credit bureau is incorrectly reporting that I was past due on  XXXX  different  XXXX  student loans from   XX/XX/XXXX  to  XX/XX/XXXX . Th is is not correct information as the account was consolidated and transferred to a new servicer. The account numbers for the  XXXX  accounts are : "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  ''. I always made my scheduled payments on time and I never let it run late. I have disputed these inaccurate late payments on numerous occasions with the credit bureau but they have disregarded my disputes as frivolous and ignored my requests. I reached out to  XXXX  and they sent me a comprehensive payment history showing how I was never late on my student loans. I am including this payment history attachment in this complaint so the credit bureau can update their records and process my dispute properly. I sent this same information to the credit bureau but to this date, nothing has been done to process my 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 explanation
Consumer complaint received 2023-05-31
Company: NORTHWEST BANCSHARES INC
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had a check run through twice. Check # XXXX ran correctly for {$650.00}, then ran again, incorrectly for {$670.00}. I wrote the check XX/XX/XXXX, they were debited on XX/XX/XXXX. Northwest Bank. I notified them of this error XX/XX/XXXX. They dont seem to care. I feel this is theft, and they should give me my money back. I was told that they sent the information somewhere for them to look into it. I dont know who is looking into. Every time I call and ask about it, they are very rude. USSCO Federal credit union was where the check should have been debited from. I contacted them, they said they couldnt do anything, because Im not a member. I have also contacted the company who received the funds, XXXX XXXX XXXX, I havent gotten anywhere with them, either.

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 2020-10-13
Company: Express Recovery Services, Inc.
State: UT
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:
Express Recover ACCT # 's : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Express Recovery is reporting a debt on my credit file that I do not owe. I am unaware of any debts that I owe them because I have been working with the hospital. I called the hospital and they assured me they would take the accounts out of collections and transfer it back to the hospital. This debt should have never been sent to collections, it is erroneous and needs to be removed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 non-monetary relief
Consumer complaint received 2023-05-31
Company: CORELOGIC INC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Upon reviewing my recent credit report, I noticed an inquiry from CRDCO, XX/XX/2022, XX/XX/2022, XX/XX/2022, which I neither initiated nor authorized. I consider such unauthorized actions a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I hereby demand that you conduct a thorough investigation into this matter and subsequently provide me with all the requisite documentation proving that I authorized this inquiry. Failing which, I request that you immediately remove this inquiry from my credit report. 

If you do not comply with this request or if the investigation results are not to my satisfaction, I must inform you that I will be left with no other choice but to seek legal advice. I am prepared to exercise my legal rights under the FCRA to the fullest extent to protect my credit history. 

Please understand that my credit score is of paramount importance to me and I will not tolerate any unauthorized actions that may negatively impact it. I expect this issue to be resolved promptly and professionally. 

I appreciate your immediate attention to this matter and look forward to your response within 15 days, as is my right under the FCRA.

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 2022-08-12
Company: Healthcare Collection Specialists, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX received a statement from XXXX XXXX 's office- XXXX XXXX Interventions for a procedure he performed. Bill was {$500.00} On XX/XX/XXXX I spoke to XXXX in the billing office. She told me the office would be accepting the payment already received from my insurance and that I was not responsible for the charge. 

On XX/XX/XXXX I receive a letter from Healthcare Collection Specialists ( HCS ) saying I owe {$1200.00}. 

On XX/XX/XXXX I respond via certified mail to inform the company that I had spoke to the office in XXXX and was told the matter was resolved. In addition I had no bills indication how the amount went from {$500.00} to now {$1200.00} so as far as I was concerned this was not my debt ( Copies attached for your reference ). As of today, XX/XX/XXXX, I have received no response form HCS. 

This morning I received an alert that a negative comment was placed on my XXXX credit report ; which I am disputing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Early Warning Services, LLC
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Zelle let a fraud company XXXX my bank account of XXXX. XXXX. My bank refuses to take care of the zelle and continues to XXXX this issue. 
Zelle processed 3 fraudulent checks into my bank at XXXX account XXXX. 
Please note my Social is XXXX Address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  NO Response from Zelle in over 1 year repeatedly emailed complaint to there fraud department. 
My bank has reported this as fraud but instead of putting this on the fraud person they closed my bank account and I am out XXXX which is a real insult for someone who works hard and tries to do things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Platinum Holdings Group, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
-First communication was established on XX/XX/2020 where they called mine and my husbands number, person who called was XXXX XXXX XXXX Same date, XX/XX/2020, XXXX XXXX called my brother and went over the debt in question in detail with him and also told him that they were preparing to serve me at my place of employment. This is considered disclosing unauthorized information to a third party. I made an attempt to call XXXX XXXX back that day and got a voicemail in which I left my name, file number and phone number. No other information was given. 
XXXX received a phone call from XXXX XXXX while at work. My husband called back when I got home from work. We specifically asked for a validation of debt letter be sent to us and at this time she started to get very upset and told us to follow the chain of title. She refused to accommodate our request for a validation of debt letter and then also said they contacted the Human Resources Dept at my employer and when the HR rep called her back they would be serving me at my place of employment. 
-by following the chain of title, as XXXX had mentioned, we discovered that this company, Platinum Holdings , had only just acquired this debt at the end of XX/XX/2020. They are threatening to sue without giving us the 30 days to dispute the alleged debt. 
-the company Platinum Holdings has the same phone number as the supposed law firm XXXX XXXX XXXX XXXX No matter what number you call they answer litigation, not the companys name. 
-from doing research I am finding everything mentioned above to be illegal scare tactics and if they are trying to actually sue they are required by law to give me 30 days to give written letter of dispute, which they did not do. 
-they have also almost doubled the amount owed of the alleged debt, trying to tack on some fees which they also did not explain. 
-I would also like to add since I have absolutely no documentation from this company I can not attach any letters or receipts since they do not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is my numerous 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 an 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 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 non-monetary relief
Consumer complaint received 2023-05-31
Company: DISCOVER BANK
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:
Discover XXXX XXXX XXXX, XXXX XXXX XXXX, Utah, XXXX You are in Direct Violation of The Fair Credit Reporting Act Discover it Credit Card # XXXX, has violated several of my rights. 

15 U.S.C 1681 section 802. A. Clearty states that I have the right to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting can not furnish an account without my written instructions U.S.C 16608 : A creditor may not treat a payment on a credit card account open-end consumer credit plan as late for any purpose. 

Ramove these late payment and update this account immediately as you are in died violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: MO
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:
When I investigated my credit report once again, I realized that some of the accounts were erroneous and unverified. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$25000.00} ; XXXX XXXXXXXX Balance : {$65.00} ; 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 explanation
Consumer complaint received 2017-06-26
Company: Comerica
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
In XX/XX/XXXX I contacted Direct Express about charges that I did not make. I opened a fraud case XX/XX/XXXX. I sent all the documents that Direct Express asked for in the allotted time frame.
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I received a letter from Direct Express on XX/XX/XXXX saying that my claim had been processed and deemed a fraud and the funds were returned to my account.
<P/>
On XX/XX/XXXX three debit adjustments are in my transaction history. My account is in the negative XXXX  This is because one of the merchants is fighting the fraudulent charge. A young lady on what you call the second tier of customer service told me that my case was reopened and that they did n't need to notify me.
<P/>
I asked when I would receive another determination the young lady told me that they do n't have to send me anything to tell me about the funds being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: FL
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:
Late payments are illegal according to Usc 1681a ( 2 ) ( 1 ) under exclusions 15 usc code 1681a- Definitions ; rules of construction ( 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 15 usc 1666b- Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose, unless the the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of the title is mailed or delivered to the consumer not later than 21 days before the payment due date

Company response to consumer: Closed with explanation