BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-04
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it may concern, Jefferson Capital Systems did not notify me that they are now collecting an alleged debt on behalf of XXXX for the amount of {$330.00}. This is violating the credit reporting laws. 

I want to be provided proof of this alleged item by Jefferson Capital Systems, specifically the contract/terms with my wet signature. If this is not doable, the item must be deleted from the report as soon as possible. 

Under federal law, Jefferson Capital Systems have 30 days to respond. 

Thank you and I sincerely look forward to your response. 

Sincerely, XXXX XXXX Account Name : Jefferson Capital Systems on behalf of XXXX Amount : {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompts me to check my credit report. These items listed are not mine and need to be removed. USDDEPTOFEDXXXX XXXX {$1400.00}

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 2020-11-13
Company: JPMORGAN CHASE & CO.
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:
I was checking my credit today so I could get a home home and I noticed these erroneous accounts that are listed below : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : JPMCB Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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: Account status incorrect

Complaint:
This account did go to collections. XXXX XXXX sold my account to a collection attorney because at this time, my husband was severely injured in the XXXX XXXX he worked. He had to receive XXXX XXXX XXXX. After all was said and done, I reached out to the attorney to begin payments on my debt. The account has been paid in full and I was mailed the title to the vehicle. A year or so later, the vehicle was traded in on a truck. XXXX XXXX continues to report this account as open, delinquent, with a {$3300.00} balance. Since XXXX. I do not owe this money. They do not have the title but continue to refuse to remove this from my credit file. I would NOT have been able to trade this vehicle in without a title. My issue is that I don't know how to prove this as this occurred almost 10 years ago and I have nothing to definitively prove this is what happened. As of XXXX this account is the only negative mark on my consumer file. They have refused to remove this and I am in desperate need of assistance. Please ask them for a copy of the title to prove the account. They can't do it because they don't have it. I DID.

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 2023-03-08
Company: ENCORE CAPITAL GROUP 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  account # XXXX has violated my rights 15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 it also state a consumer agency can not furnish my account without my written instructions.

15 usc 1666B a creditor may not treat a payment on a credit card on an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for repayment plan dated XX/XX/XXXX. 
After I completed my repayment plan XXXX, they said my unpaid balance {$17000.00} is due on XX/XX/XXXX. I ask why because the letter said " Payments made under this plan will be applied to amounts due and past due on your account as necessary to bring your account contractually current. " ( please see attached letter ). 
When I call them, only they can do is give me 6 more month of forbearance program. 
Which currently I am on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a call from Rent Recovery Solutions on XX/XX/XXXX regarding a debt from XXXXXXXX XXXX Apartment Complex in XXXX XXXX TX under XXXX Communities. They left a voicemail. 

I contacted them back and requested information which was received on XX/XX/XXXX. This is the entire ledger they gave me : Move Out Check List Charges XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Community Previous Balance Adjustment There was no breakdowns or anything. XXXX XXXX claimed it was move out cleaning fees and this ledger does not even say that. They still have not supplied the official ledger even after I asked for it last week. 

I received no notification of any debt owed from any company within the ten months of moving out. The debt company stated they received this debt on XX/XX/XXXX ( ten months after move out ) and still have not sent collection letters. 

I have left two calls and two voicemails, one on XX/XX/XXXX and one on XX/XX/XXXX which aren't being returned. During my second call, when in attempt to explain this isn't valid and the ledger wasn't helpful, the representative rudely interrupted me, berated me, told me nothing can be done until the apartment released the debt, and immediately transferred me without me even asking to be transferred to a voicemail. 

This debt by XXXX XXXX XXXX is not valid. The apartment flooded from an upstairs tenant and that's why they're charging me. They have sent no letters, no emails, and no phone calls even though they had my forwarding address. They sent this collection to XXXX XXXX ten months after the fact after a long period of silence. 

When moved out, I received an email stating a ledger of move out fees. The ledger was incomprehensible to me. The balance repeatedly said XXXX, but stated a total of XXXX dollars. It never said I owed anything not had any identification on said ledger ( no name, apartment, or something tying to me ). 

I sent an email to XXXX XXXX on XX/XX/XXXX asking if I owed anything which they did not answer. I called them and left a message which they did not respond to. 

This is an unfair practice. I have necessary documentation to prove I attempted to resolve the debt and heard nothing until ten months later from either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been trying since XX/XX/2017 to resolve a Identity Theft case with XXXX XXXX XXXX. I have never had nor have I ever opened a credit card account with them. I have never applied for a credit card with this company.

I spoke with the company several times in an attempt to resolve this issue. One of my last conversations with the company I was told that they were removing the account to reflect that I never opened an account with them and a year later I am received a letter from a collection agency.

I continue to receive letters after I have filed a police report, and had an Affidavit notarized and mailed back to the collection agency on their paperwork.

They are harassing me with letters about this debt that does not belong to me. I'm receiving a letter every week from them and when I call in I have a representative say to me, " Wouldn't it be worth it to pay the debt off? '' If it was mine, absolutely, but it is not. And I have follow all of their procedures to resolve this issue and it has not helped.

The amount on this account is : {$630.00} The creditor : XXXX XXXX XXXX The collection agency : LVNV Funding LLC.

Neither the company nor the debt collector can give me an account number for this account nor do they have my social attached to this account. I would like for them to please remove this information completely from my credit reports. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
I went to the annual credit report and TransUnion was the only reporting agency that would not let me get access to my credit 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 non-monetary relief
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: IL
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 these accounts below 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: AR Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. 



Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 these accounts below 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  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 2021-10-22
Company: General Motors Financial Company, Inc.
State: CA
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 had a car loan with GM Financial, I sent the payoff check # XXXX CHK # XXXX in the amount of {$17000.00} in XXXX. The payment was received by XXXX XXXX who is a GM Financial employee on XX/XX/XXXX. The company misplaced the check and placed a 30-day late payment on my credit report. I sent a letter asking them to update the late payment and they closed the account with a 30-day late payment. I have the emails and transaction numbers with proof of the mishandling of the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: TX
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: AZ
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 hope this message finds you well. I am writing to seek your assistance regarding an issue with my credit report, specifically related to my XXXX account. 

Despite being charged off, my account is reported as 'charged off ' on a monthly basis. This ongoing reporting is causing it to appear as though new negative events are happening every month, which is misleading and inaccurate. 

As per the Fair Credit Reporting Act, a charged-off account should only be reported as such once, not continuously every month. This consistent reporting not only contravenes this guideline but also unduly impacts my credit score. 

Due to these persistent inaccuracies and the adverse effect they're having on my credit standing, I kindly request your intervention to rectify this situation. I am seeking the removal of this account from my credit report, given its incorrect and misleading monthly charge-off reporting. 

Thank you for your prompt attention to this matter. 

Best regards, 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 2023-05-04
Company: Self Financial 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:
Ive been using XXXX XXXX to rebuild my credit. I have an account with a company that is paid monthly sometimes I paid more than usual monthly, therefore, late payments should never be reported to the credit bureau. 


Were currently in XXXX I have {$400.00} more than the amount Im supposed to. 
My contract end XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian have took XXXX XXXX XXXX  of my credit report and then again put back on my credit report. if something is charged off, doesn't that mean they no longer have the " Apparent Verified '' contract and have written off the debt? Therefore, should be delete. provide me with copies of all documentation associated with these items that have been placed in my credit report, bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, any items negatively reporting, needs to be immediately deleted from the credit file you maintain under my name and social security number .I dispute XXXX XXXX XXXX : incorrect balance, payment history, last payment made, last activity, date account was opened, high balance, amount pass due, account number.

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 2022-12-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 : I received a text message from " Chase Fraud : We declined {$810.00} with card ending xxxx at XXXX XXXX ... ... ''. 
I called Chase immediately and found out there's several unauthorized charges on my card back to XXXX XXXX. 

The most recent are : XX/XX/2022 XXXX - {$910.00} XXXX - {$820.00} I was told that I did not check my account and reported on time fraud activities on my card on XX/XX/2022. Chase is not responsible for any fraud after 60 days. As a result, Chase won't credit back unauthorized charges on XXXX XXXX by XXXX XXXX : - {$910.00} and- {$820.00}. 

XX/XX/2022 : I called Chase Claims Department and was told Chase won't credit back fraud charges by XXXX - {$910.00} and- {$820.00}. 

XX/XX/2022 : I called Chase Claims and was told that my claims were closed. 

XX/XX/2022 : I went to Chase in XXXX. A representative called Chase Claims for me, and I was told that my claims are reopened and will be investigated. 

XX/XX/2022 : After almost 2 weeks, I still have yet to hear from anyone at Chase. I went back to Chase in XXXX. I explained my claims again, and a representative, XXXX XXXX, agreed to contact Chase Claims, and I was issued a notice that Chase won't credit back unauthorized charges on XX/XX/2022 by XXXX XXXX. - {$910.00}, and - {$820.00}. 
I called Chase XXXX and requested to talk with a manager. I was told that He " can't change the outcome by his end ''.

Company response to consumer: Closed with explanation