BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-10
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX In XX/XX/XXXX I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. XXXX XXXX XXXX did not have any assistance programs in place so I continued to make the monthly payment. In XX/XX/XXXX I again contacted XXXX XXXX Customer Service at which time they offered to place my account in forbearance between XX/XX/XXXX - XX/XX/XXXX during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. 

When billing reoccurred in XX/XX/XXXX, I disputed the amount owed because it contained late fees and accused interest for 6 month forbearance period. I escalated my concerns to the Customer Service Manager in XX/XX/XXXX and XX/XX/XXXX when these same charges were being improperly assessed. This continued through XX/XX/XXXX at which time they reported my account as a charge off status, reported all payments from XX/XX/XXXX - XX/XX/XXXX as not paid and serious delinquencies to all three credit reporting agencies and sold the original account that was still for the disputed amount to XXXX XXXX   in XX/XX/XXXX and they continue to report collections and serious delinquencies until current, XX/XX/XXXX. This has drastically affected my financial ability to recover and continues to impact my credit scores and livelihood. I believe they fraudulently charged off the account and sold it to XXXX XXXX because they were unable or unwilling to honor the original forbearance guarantee. I have disputed this with XXXX XXXX XXXX, XXXX XXXX, XXXX, Transition, and XXXX to no avail.

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 2023-11-16
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wish to express my non-consent to engage in electronic communications and kindly request that all responses regarding this matter be communicated in writing through the United States Postal Service ( USPS ). As the complainant, I hereby authorize the Consumer Financial Protection Bureau ( CFPB ) to conduct a comprehensive investigation into the claim. In alignment with my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), I maintain the entitlement to dispute and seek the removal of inaccurate or unverifiable information from my credit report. Despite earnest efforts to obtain verification, the information provided has proven inadequate to substantiate the legitimacy of the purported debt. I respectfully urge a thorough review of this dispute, prompt attention to this matter, and the expeditious removal of the contested entry from my credit file. Additionally, I kindly request any available information regarding the steps taken to verify this debt. Your consideration and prompt response to this formal request are greatly appreciated. The details of the disputed debt are : XXXX XXXX XXXX  XXXX. Please remove this fraudulent account ASAP.

Company response to consumer: In progress
Consumer complaint received 2023-03-06
Company: EQUIFAX, 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:
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 account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account XXXX XXXX XXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: EQUIFAX, 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:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, XXXX notify creditors XXXX police report XXXX informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and don't care who's credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am writing to you in reference to the following : Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX Account Number XXXX XXXX Reason : Miscellaneous Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account I have disputed this account information as inaccurate with you, and you have failed to respond. 
Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt. 
I have enclosed copies of my requests to the collection agency, asking them to validate my debts. 
This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I look forward to an uneventful resolution of this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: HUNTINGTON NATIONAL BANK, THE
State: KY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had a savings account with my ex husbands name on it ( opened in XXXX I believe ) I was divorced in XXXX and his name was still on my account. I had never received any documents with his name on them so I was unaware that I needed to take his name off of the account. Around tax time this year XXXX {$610.00} was withdrawn by Huntington from my savings account to pay off XXXX of his delinquent accounts. I then closed my Huntington account and withdrew my funds. After calling and asking questions Huntington then sent me a check XXXX weeks later for the {$610.00} they had withdrawn. I have not received any letters or had any phone calls from Huntington since. Today XX/XX/XXXX I received a call from a restricted number the female caller verified my address and my social security number which I never provided and told me I was being summons on XX/XX/XXXX for court I asked what is this pertaining to and she told me I needed to call this number with a case number that she was going to give me because she could not explain it. The phone number she gave me is XXXX and the case # XXXX. Once I called the number the same female answered the line XXXX XXXX XXXX and explained Huntington is suing me for {$3200.00}. I called Huntington customer service and was advised this is a scam and was given your website to start and to call local law enforcement and file Identity theft claim once I receive a report back from your office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been a victim of identity theft and I have exercised due diligence to repair my credit but false and fraudulently information hasnt been removed after multiple unjustifiable unauthorized accounts from multiple improper investigations violating FRCA Dear Credit Bureau, I am continually being called on the telephone by your firm over an alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704 ( D.Conn., Oct. 29, 2002 ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt.

Intimate knowledge of the creation of the debt by you, the collection agency.

As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA.

I look forward to a speedy resolution of this matter.

I am attaching the lawful codes on which is in violation of the law 15 USC CODE 1681N,15 USC 1681o,15 USC 1681e,15 USC 1605, 15 USC 1681i

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 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/22 I submitted a complaint to the following credit Bureaus Trans Union XXXX and XXXX stating the the information that they are reporting on my account has been inaccurately reported and needed to be corrected they today XX/XX/22 they have yet to get back to me with a response or result I wish to have the items removed from my credit report for they have been a burden on my financial health.

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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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

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 2023-07-26
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX bank {$800.00} by has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. --

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the below companies requesting detailed information regarding the alleged debt owed. 

I never gave XXXX XXXX XXXX or XXXX XXXX permission to release my information to a third party. I asked the collection agencies to provide proof that I signed documentation releasing my personal medical history. I also forwarded a copy to the credit bureaus and they did not follow through with the proper investigation. XXXX XXXX XXXX and XXXX XXXX refused to contact the insurance company to receive payment of services yet has elected to push the responsibility on me. I provided the information from XXXX and they said they never heard back to send payment information. I have attached proof from XXXX regarding my hospital claim for XX/XX/XXXX. 

The collection agency did not provide proper proof as requested in detailed letter dated XX/XX/XXXX. This was my third request. I have attached the documents I received regarding XXXX  XXXX. I never received any follow up information from XXXX XXXX or 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 2021-05-23
Company: EQUIFAX, INC.
State: NV
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:
I reviewed a current copy of my credit report and show incorrect information listed. Account name is XXXX XXXX account number is XXXX. This account has never been paid late and is reporting late payments on account and I attempted to have account reviewd with no reply and past more that 98 days. Please delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My minimum monthly payments was on auto debit, however, an incorrect amount was withdrawn causing the minimum payment to be deficient. Every prior monthly payment was withdrawn properly. I think this error occurred because I made an extra online payment that month which was returned non-sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I'm quite informed on the legal proceedings in regards to preventing judgements from being entered ( in terms of submitting an answer/requesting a trial date and such ), so I never let me summons/trial notices go ignored ( learned the hard way with a 12 year judgement that took months of research and years finally getting removed without having to satisfy payment ), but was recently issued from small claims a Default Judgment against me, granted to the Plaintiff, XXXX XXXX XXXX, XXXX. I'm quite familiar with the array of debt collecting companies, and I, nor my husband, said that I was served for this said judgement, or I would have answered to it like I normally do, by sending certified answers to both the Plaintiff and the Court. I have no idea how this was granted without my knowledge at all that it was happening. I did access XXXX 's site and logged in, it then said that it can not display my account info at this time and to call Rausch, Sturm, Israel, Enerson. I'm assuming said debt has been sold again? How is a  judgement without my knowledge of any of this occurring? The stranger thing is that I DID receive a summons 10 days prior to this judgment being granted, with XXXX XXXX, XXXX, suing me as well. I did send a certified answer to that case number, and received my trial date for XXXX, but I am very confused on how this is possible, if it is, what steps I should take if I swear I was not notified via mail, and if I was, how far back can that summons/serving to the defendant be substantiated for? I was under the impression that there is always 14 days to answer. My only thought is that I possibly may have been served in a previous year, but don't see how that could be possible if the judgement was just granted, since court dates are typically within the next 1-2 months ( that I've experienced, and I've gone to several of these trials ). I'm located in Alabama and would love your input/advice. Should I pay to seek court documents? I do not want to have to pay several hundred dollars to appeal in Circuit Court for a {$1100.00} judgment, but I do not think this judgement is fair. Not sure if I should contact FDCPA or what my next step should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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:
When I investigated my credit report, I realized that some of the items was erroneous. The 3 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 investigate the unverifiable items below : XXXX XXXX Account Number : XXXX ; XXXX XXXX XX/XX/2022 ; XXXXXXXX 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 2023-02-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to 15 USC 1681 E ( B ). I am entitled to an accurate consumer report. I have disputed these accounts numerous of time and they return as verified. Now, In the State of Georgia the Statute of limitations on a written contract in the State of Georgia is 6 years. Both of these account must be removed off my consumer report immediately. XXXX XXXX XXXX XXXX Allegedly {$10000.00} high balance. Allegedly Balance owed {$10000.00}. This account must be Deleted immediately. I will file for remedy for reporting inaccurate information on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation