BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-10
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received about a year ago a letter from Rausch Sturm attorneys at law concerning a debt I have with XXXX XXXX, for a credit card for XXXX XXXX XXXX. I called and spoke to an agent explaining my situation that I am unemployed due to a handicap and unable to work. That I am trying to get SSDI but have not been approved yet. I worked out the issue with the agent who was in Wisconsin I believed. In the next few days I started receiving calls from agent for Rausch Sturm who were obviously calling from offshore because of their heavy XXXX accents. Even though I explained my situation to them they continued to call me every day claiming they needed a resolution with the debt. I finally had to send a cease and desist order to Rausch Sturm in Wisconsin to stop it. This year on XX/XX/2019 ; I received a letter from Rausch Sturm again inquiring about the debt. I called them and explained that I am still unemployed. The agent noted it on the account and asked about the Cease and Desist order. I told her to remove it because I wanted to work with them to resolve the debt. The next day I received a call from an offshore agent claiming to represent Rausch Sturm concerning the debt. I told him that I already spoke to an agent about it yesterday and explained it to them. His response again was but we need to have a resolution to the debt. I then remembered the last time when they would call every day. I called the number back on the letter and spoke to a XXXX at Ex XXXX and explained what happened. We determined that the Cease and Desist order should be reinstated. XXXX said she did put it back on. I figured that the Issue was resolved until today when I received a call from an Offshore agent claiming to be with Rausch Sturm about the debt. Her accent was so heavy I could hardly understand her, but I told her that there was a Cease and Desist order  and she admitted that it was on there and she would make sure no more calls came. Unfortunately, my experience is these offshore agents do not respect no call orders. I would like these Offshore calls to cease and only work with on shore agents. I do want to resolve this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: FL
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:
Late payments on my credit report I was never late they need to be updated as paid

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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
The gentleman on the other end called me a liar, said that I was giving the wrong email address.When I have ONLY one, regarding complaint # XXXX. I was trying to find out about a company 's respose to my dispute, but was being refused the information I requested. XXXX XXXX credit card company is on my report fraudulently, and am NOT getting ANY help From your employee.

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 2022-04-08
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: Account status incorrect

Complaint:
XXXX account was paid off. I have receipt. I disputed with them several times and they continue to show old negative remarks and balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  XXXX  XXXX XXXX XXXX XXXX They added unlawful amounts that i did not owe FTC on deceptive practices

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed information about my XXXX XXXX XXXX thats failed to correct the issues that are continuing to add damage to my credit report. My XXXX report shows me having a late payment in the month of XXXX and this is incorrect a payment of {$120.00} was made on XX/XX/XXXX. XXXX and Transunion are also reporting conflicting dates of closing on this account. There are to many errors on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19
Company: Monarch Recovery Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
No credit card billing statement received XX/XX/XXXX.-XX/XX/XXXX. First notice of debt was from a collections ( XXXX XXXX ) XX/XX/XXXX. Multiple calls to XXXX XXXX and XXXX XXXX ( XXXX XXXX Credit Card ) telling them that no statements had ever been received ( XX/XX/XXXX to XX/XX/XXXX ). Dispute initiated, initial charges paid ( XX/XX/XXXX ) in good faith by customer to XXXX XX/XX/XXXX despite not having received a billing statement. XXXX XX/XX/XXXX indicates initial statement XX/XX/XXXX sent was undeliverable and returned. Address used by XXXX XX/XX/XXXX is the same exact address used by XXXX XXXX  for their notice of collections on XX/XX/XXXX. Billing statements received after fifth request XX/XX/XXXX, address on statements is the same as the address on the XX/XX/XXXX XXXX XXXX collections notification. 
Multiple Calls to XXXX XXXX  failing to resolve issue. Collections company switched to XXXX XXXX XXXX XX/XX/XXXX, second dispute initiated. XXXX XXXX wants late fees and interest which I find inappropriate due to lack of notification. 

see enclosures ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a late payment on the XXXX XXXX account that does not correspond to me since said late payment is from XXXX and I arrived in the XXXX in XXXX, therefore I could not have had that account. I would like them to investigate correctly and find a solution to this ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: Receivables Performance Management, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been going back and forth with this company to try to resolve this account since XXXX. I was told by this company this an account from 2007 with XXXX for an XXXX XXXX. I informed the Collection Company that I have never been a XXXX  carrier and the account can not be mine. They instructed me to contact XXXX. When I called XXXX, they had not information of mine in their system, to contact the collection company back. I have requested documentation regarding this debt for the 7 months and keep getting the run around. I have been told on numerous occasion that the documentation have been mailed and emailed, neither of which have I ever received anything. I can not even dispute this on my credit report because I have no documentation from the collection company to provide to XXXX. Their business practices are highly unethical and immoral. This company has hung up on me, blocked my calls, and been untrustworthy to say the very least.. Can someone please help me in getting this account resolved? I really do not know what to do, or who to turn to at this point. 

Here is the information on the Collection Company : Receivables Performance Management XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, WA XXXX Thank you for your time, 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 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
There is a collection on my consumer credit reports for {$140.00}, reported on XX/XX/XXXX. The debt is reported by the Collection Agency, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX. I have contacted the credit bureaus XXXX  and TransUnion by mail on 3 occasions requesting an investigation pertaining to this debt they are reporting on my consumer credit reports, that is not my debt. To this date they have not provided any information, and to date have not removed this debt from my consumer reports.They are currently violating my rights under the Fair Debt Reporting Act and harming my credit rating. Furthermore, they are not responding to my repeated request to provide detailed information regarding the debt noted above. I have sent by First Class Mail three letters dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. To this date there has been no response regarding my repeated 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 2022-04-08
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:
XXXX XXXX and their collections company, XXXX XXXX XXXX, have reported to Experian and other credit reporting agencies that I defaulted on an invoice in the amount of {$730.00} for an address in XXXX, Texas. The invoice does not belong to me and I have filed an incident report that this invoice is fraudulent and the companies have used my name and Social Security number to collect this fraudulent invoice without my consent. I have never been to XXXX, Texas and I do not have family there. Any use of my name and social security number is not authorized and the XXXX invoices are not mine.

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 2023-03-09
Company: Experian Information Solutions Inc.
State: PA
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:
To Whom It May Concern, I received a copy of my credit report with the intentions of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not 100 % agreeing what they are reporting. I know by law from the Fair Credit Reporting Act where it states I have the right to challenge anything I am not aware is accurate. I have reached out to company below who is reporting inaccurate information. 

I ask the following accounts be removed right away : XXXX XXXX Acct XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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 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 explanation
Consumer complaint received 2020-06-08
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: Problem with personal statement of dispute

Complaint:
I have submitted 2 disputes to this company on or around XX/XX/XXXX, and XX/XX/XXXX. XX/XX/XXXX results came back that they refused to reopen an investigation due to me pervious disputing. XX/XX/XXXX I resubmitted a dispute letter as ask explaining my reason for reinvestigation with proof that the verification didn't actually take place and supporting documents as you would see in the attach documents. There is a security freeze on XXXX which has verified no information has been giving out, and US Bankruptcy Court XXXX XXXX has disclosed they do not report or verify to any credit reporting agency.

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 2022-04-08
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to correct my credit report with this company for close to 2 years. They fail to properly respond to my request to investigate or provide documentation on why they are showing this to be a charge-off/collection account. Their lack of caring to properly report this account on my credit has caused me to lose job opportunities because of their careless actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
RECENTLY I HAVE TRYED TO APPLY FOR A STUDENT LOAN FOR MY EDUCATION AND THE FINANCE COMPANY SAYS MY PERSONAL INFORMATION DOES NOT MUTCH WITH LEXISNEXIS. I HAVE TRYED TO CORRECT MY PERSONAL INFORMATION WITH THEM BUT THEY DO NOT WANT TO DO IT. I HAVE SENT THEM MY DRIVER LICENSE MY CURRENT UTILITY BILL AND A BANK STATEMENT. PLEASE HELP ME SO I CAN GET MY STUDENT LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Contacted the credit report agency ( Equifax ) XX/XX/XXXX starting at XXXX speaking with rep. XXXX . Informed her that I received notice on XX/XX/XXXX that information on my annual free annual credit report form did not match information they have on file. Gave XXXX SS # /DOB/address. Also informed her that I received report XXXX with no problem. She put me on hold to see if she could access my report ( XXXX-XXXX approx ). Came back to say that she needed more verification that I was me - asked if I had report from XXXX, & was there a bankruptcy or credit card incident in my report. Verified that there was bankruptcy and gave date of initial filing ( XX/XX/XXXX ) and court judgement discharge ( XX/XX/XXXX ). XXXX then said to further verify identification that she needed bank & creditor filing amounts, I said I would not give that info since she should not need it, but did give Case ID # ( XXXX ) as listed on XXXX report. XXXX said she did not need that, but would need bank & creditor information. This to me was too excessive and invasive. At this point I stated that I would report this because it was not working for me. I am thinking that she was looking at my report throughout. Call ended by me at XXXX approx. 

XX/XX/XXXX ( XXXX ) Logged on XXXX to try accessing report that way. After entering info could not connect to step 2. 

Unfortunately, had problem with XXXX as well ( " The Social Security number you gave us does not match the identification information in our database. " ). Per prompts, that say they try to identify the caller ahead of time, I gave SS # /4 digit address/DOB. 
But try as I did ( XX/XX/XXXX XXXX ) ; XX/XX/XXXX XXXX-XXXX ; XXXX-XXXX ) to try to get through to a 'person ' NO LUCK! 

Was able to resolve issue with XXXX ( " Unable to Locate Credit Report '' ) XX/XX/XXXX XXXX approx. speaking with XXXX, also gave identifying info, put me on hold to see if she could access report. XXXX-XXXX ). Accessed report and will be sending it me. Hopefully. 

Realize and appreciate the need to verify identity. Know each reporting agency wants their own clearance, but some oversight in what can be asked as way of identification should be in place. This MY information and if this is an indication of " the big three reporting agencies '' I am indeed troubled. No one wants their intimate information readily available anyway, but to have to entrust the data to outside sources needs to be put on a higher plateau than this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
Company: EQUIFAX, 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 information incorrect

Complaint:
I applied for a XXXX with XXXX in XX/XX/2017. After I submitted the application I never heard back from them. I forgot about the application until one day I checked on my credit score and according to Equifax, there was a hard pull from XXXX on XX/XX/2017. I called Equifax and was told that I had to call XXXX  to remove the inquiry. I called XXXX  at least 3 times last year trying to resolve this problem. However, I got transferred to different departments every time and not a single person could find any record of me or the application. I am still confused what had happen on their end and would like the hard inquiry to be removed - or at least they should have told me if I got approved or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX/ {$0.00} / XX/XX/2018

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 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon XXXX possible.

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 2020-03-24
Company: Experian Information Solutions Inc.
State: NY
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:
Ive been victim a identity theft

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 2023-09-27
Company: EQUIFAX, INC.
State: MS
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:
I am a victim of identity theft and the paperwork showing this with the FTC report was sent to the credit agencies. They did not attach this paperwork to my disputes according to the FCRA and did not send me copies of the verification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Inaccurate and incomplete information is being being reported across TRANSUNION, XXXX, and XXXX. Collection accounts showing recent past due status and recent late pay status to keep scores low. Closed charge off accounts with recent past due status and recent late pay status to keep scores low. This has been done for over 2 years. Re-aging of derogatory accounts to make them look more recent to lower scores. All violations of the FCRA. All XXXX bureaus are reporting inaccurate information. The bureaus did not share the XXXX when accounts were deleted from a dispute. Inaccurate reporting is not adhering to Metro 2 guidelines/standards of deleting inaccurate accounts/information. Updating and correcting disputed information instead of deleting the account as requested.

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 2021-05-06
Company: SIMM Associates, Inc.
State: TN
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 am receiving medical bills for a extensive XXXX  XXXX in 2020 that I did not have. I did not have any XXXX XXXX in 2020. As for XXXX XXXX XXXX. Refinance at the lowest available rate. Ive never been able to get that. XXXX home Equity loan valid For 5 years at the lowest available fixed rate. Allow other XXXX people to get home equity loans at the lowest fixed rate.

Company response to consumer: Closed with explanation