BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-13
Company: AR Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I previously disputed with this company to provide me with my HIPPA release form that I signed to see where did I gave permission to this or other 3rd party company to have my medical records. They said they were not breaking any rules and I disagree it is a violations to my right for any 3rd party collections to even have my medical record and I will be reporting this HIPPA as a recommendation by my lawyers and will get ready to follow suit thereafter. 

On the breakdown fees it shows what they did to me and that's private and sensitive information that only my doctors and I should know but unfortunately you also have this information WITHOUT MY PERMISSION!! 

I want them to send me my HIPPA release form to see where does it say I gave permission to them to have my medical records so please provide a copy of my signature Asap. I will provide proof of documentation that I sent the company and will provide the certified Mail receipt with tracking number so you can review I feel very disappointed with this company and I'm ready to file a lawsuit if nothing changes

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Aldous & Associates, PLLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I've tried contacting the debt collection agency " Aldous & Associates ''  multiple times. I made them aware of all violation codes ( 3 ) in which the gym had violated per California Health Studio Contract Laws voiding the contract which is putting me in " debt ''. They kept on disregarding my claims and saying I need to pay the debt, and it's already been sent to collections which will damage my credit. I then asked for proof of debt. The agent said I must send this request by mail in person. I notified him I'm temporarily XXXX & I've crashed my vehicle & to please give me a business email I can send and recieve all legal information and requests to. After so, he notified me its policy they only accept information by mail. Despite my XXXX. I noted to the agent the policy is unfair for XXXX persons living on their own & is simply a policy to pursue individuals to just accept the " debt '' & pay it. Apposed to going through the troubles of printing a letter, getting to the post office, & paying the fees to send said letters. Along with that, they gave out my personal information to an unverified person ( name, address, birthdate ). After notifying the agent of their own violation, they disconnected the call. I attempted to call back 3 times after. Only to be put on hold for extensive periods of time, then disconnected with no communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX  ; Experian and XXXX are reporting incorrectly a balance due of {$77000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a summary report from XXXX XXXX XXXX XXXX regarding my HELOC account. The report was run from XX/XX/XXXX through XX/XX/XXXX. It reports only ( XXXX ) payment was transferred via online banking on XX/XX/XXXX with a reporting of a {$0.00} balance on XX/XX/XXXX. No other account activity has occurred through XX/XX/XXXX. This incorrect reporting of a balance due is seriously harming my credit score. This line item needs to report a {$0.00} balance. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name 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 has violated my rights. Or a list of inquiries : 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 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 2023-08-09
Company: Experian Information Solutions Inc.
State: MA
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:
Hello! I appreciate the immediate response of the Experian and XXXX for removing the previous fraudulent inquiries and I am very thankful for that, though as of my recent check in my credit reports, there were these new inquiries that I have no knowledge about. So, today in this complaint I request from Experian, XXXX and XXXX Bureaus to again block and remove these inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the 3 Credit Bureaus are obliged to block and remove any items not later than 4 business days after the ( XX/XX/XXXX ). Also, the data you provided on some of these inquiries were UNKNOWN to me and were already REMOVED from other bureaus and so I have doubt about the accuracy of some of these inquiries that are still reporting in my credit reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is to inform you if you do not BLOCK and REMOVE the listed inquiries on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.

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 2021-03-13
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: Was not notified of investigation status or results

Complaint:
An account was open in my name by the bank fraudulently and i attempted to investage the problewms 2 years ago when it was first opened and i was not notified of what was going on with the account. Since they have told me the account was properly closed and was no penalties against my name however i viewed my reporr and there is still a closed account with 3 missed payments on a fraud XXXX account with the bank providers. They are in violation of my fcra and i have not got anything in the mail ever in the 2 uears i been fighting them off my name.

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 2021-03-14
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Keep getting numerous phone calls from Portfolio Recovery Associates. Repeated phone calls once a day, or some debt that is not mine. I tell them to stop calling. But they keep on calling regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Risecredit, LLC
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Rise/ECS has account opened on XXXX for a unsecured loan in the amount of {$2500.00} using my identity fraudulently. The account in question was charged off on XX/XX/2021 totaling {$4400.00}. Dropping my credit score 60 points or more. I sent a certified letter to " Rise/ECS on XX/XX/2021 informing them I was a victim of identity theft and requesting verification of the initial contract, and that this account is inaccurate. The certified letter was received on XXXX XXXX. I also sent certified letters to the 3 credit bureaus XXXX XXXX XXXX on XX/XX/2021. I received a follow up email on XX/XX/2021 stating : Please Note Rise Credit is the original creditor for my Rise Loan and is not required by the Fair Debt Collections Practices Act ( FDCPA ) to validate debt for any Rise/ECS accounts. Since, then I sent another certified letter to Rise/ECS on XX/XX/2021 it was signed for on XX/XX/2021. Follow up letter was received on XX/XX/2021 dated XX/XX/2021 stating the following : Thank you for notifying us of your concerns regarding an account opened in your name at XXXX. We reviewed the documentation you sent us and our investigation results dated XX/XX/2021 determined that this account was not opened fraudulently. I also advised the 3 credit bureaus XXXX XXXX XXXX XX/XX/2021 to delete this account from my credit reports because it was fraudulently and inaccurate. XXXX is actively requesting Rise/ECS to remove this inaccurate information from my credit reports. Also, XXXX  has removed all Rise/ECS inquiries from my credit report. Along with providing freeze protection on my XXXX  credit file without hesitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter regarding an inaccurate bankruptcy listed on my credit report. I have been going back and forth with the 3 major credit bureaus XXXX, XXXX, EXPERIAN for several months now. I have sent in an FTC report, a letter from the bankruptcy court stating they don't report this information, letter after letter, and the bankruptcy still has not been thoroughly investigated or verified. The credit bureaus stated that they have verified the bankruptcy with XXXX XXXX and XXXX XXXX sent me a letter stating the the bankruptcy has been deleted from their system because it didnt belong there in the first place. So the credit bureaus are blantantly lying and not investigating anything and I would like this bankruptcy DELETED from my credit report IMMEDIATELY! I WILL FILE FOR LITIGATION DUE TO THE STRESS THIS IS CAUSING. MY INFORMATION WAS ALSO IMPACTED BY THE XXXX DATA BREACH AND MAY HAVE GOTTEN INTO THE HANDS OF THE WRONG PERSON.

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 2021-03-13
Company: COMMERCE BANK
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: Was not notified of investigation status or results

Complaint:
An account was open in my name by the bank fraudulently and i attempted to investage the problewms 2 years ago when it was first opened and i was not notified of what was going on with the account. Since they have told me the account was properly closed and was no penalties against my name however i viewed my reporr and there is still a closed account with 3 missed payments on a fraud XXXX account with the bank providers. They are in violation of my fcra and i have not got anything in the mail ever in the 2 uears i been fighting them off my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sold bitcoin on Coinbase.com and before I could withdraw the money the account was blocked and I have not been able to log in to the account for 3 months. 

I have complained to Coinbase.com many times without success and Coinbase does not respond to any of the complaints. 

After many attempts at support I only get automatic answers back. 

Reply ] Case # XXXX - Acess to my account Case # XXXX - identity verification Unable to verify your identity + photo

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: PA
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:
XX/XX/2022 I was contacted by XXXX XXXX XXXX of XXXX Police Department that a family member was pulled over during a traffic stop and proceeded to provide them with my social security number to elude them ; she impersonated me and tried to have her XXXX  charges under my identity. There is an open case of XXXX  and other XXXX  and XXXX citations. My family member stole a phone that had many of my credit card apps, orders were placed through the apps for store pick up in stores where no proof of identity was needed to pick up any brought merchandise. My identity has been taken from me both XXXX  and financially ; I have been unable to resolve this issue, unsuccessful with making corrections to these errors on my credit report or even obtaining a new copy of Police report # XXXX when my name is listed as the victim. All three credit Bureaus have yet to protect my credit where they are reporting inaccurate information of debt that has not been made by me. Attached is the police report I was provided with, My Federal Trade Commission Identity report where more details are enclosed of accounts and balances.

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 2021-03-13
Company: EQUIFAX, INC.
State: HI
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:
Beginning XX/XX/2017, I closed all my credit cards and loan accounts. I legally closed all of these accounts with the help of XXXX XXXX XXXX ( " XXXX '' ). XXXX guaranteed me all these accounts were closed. In addition, XXXX promised that they were consolidating all these accounts into one payment of {$690.00} through their sister company, XXXX XXXX. These are the following accounts closed in 2017 : 1. XXXX XXXX XXXX ; 2. XXXX ****XXXX ; 3. XXXX XXXX ****XXXX ; 4. XXXX XXXX XXXX ****XXXX ; 5. XXXX XXXX ****XXXX ; 6. XXXX ****XXXX ; 7. XXXX XXXX ****XXXX ; 8. XXXX XXXX ****XXXX ; 9. XXXX XXXX ****XXXX ; 10. XXXX ****XXXX ; 11. XXXX ****XXXX ; & 12. XXXX ****XXXX. 
Since that time, I have paid off all these accounts except for three ( XXXX ****XXXX, XXXX ****XXXX, & XXXX XXXX ****XXXX ). However, I have noticed that the information being reported on my credit reports by Equifax is incorrect. Equifax shows that my accounts went into default : past 30 days, 60 days, 90 days, etc. These accounts were closed before they started going into default. I have been disputing this incorrect information with Equifax for a few years now. Unfortunately, they continue to report incorrect information on my credit report. 
Equifax claims to have investigated the disputes. By whom? An independendant investigation company or their own biased investigators. In the last four years, I have suffered mentally, financially as a result of these negative remarks on my credit report. Their negative remarks on my credit report continue to bar me from obtaining automobilbe loans, personal loans, & credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-08-31
Company: TRANSWORLD SYSTEMS INC
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a collection for a medical debt from TRANSWORLD SYSTEMS INC on my credit report that originally appeared in XX/XX/XXXX. They have never attempted to contact me in regards to this debt, yet it continues to accrue interest. I have attempted to call them a few times over the last year or so, but never was able to reach anyone. 

I filed a dispute with the various credit agencies last year ( XXXX ), and it was removed from two of the agencies. However, XXXX  sent a validation request to TRANSWORLD SYSTEMS INC to confirm the debt. I received something in the mail, but it did not contain any account information or any other information about how to resolve the debt, only that the debt existed. 

To this day I still have not received any communication from TRANSWORLD SYSTEMS INC. I have not received anything in the mail, and I have not received any phone calls or voicemails from TRANSWORLD SYSTEMS INC. 

It seems very shady to place a collection on someone's credit file, but then not contact them so that the debt continues to accrue interest.

Company response to consumer: Closed with explanation