BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.Accounts : XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$200.00} ( Original Creditor : XXXX ) XXXX Balance : {$170.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00} TRANSUNION : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00}

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 non-monetary relief
Consumer complaint received 2023-05-22
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
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 was contacted by Fair Collections & Outsourcing FCO around XX/XX/XXXX and informed that an account ( XXXX ) was in their office 30 days and actively being reported to the Consumer Credit Bureaus as a collection account on my report and the actions would continue until I paid Fair Collections & Outsourcing {$5000.00} for an account involving the XXXX XXXX. 
I provided written dispute to FCO on XX/XX/XXXX requesting FCO cease collection and reporting activity according to FCRA regulations. 
Following communication with XXXX XXXX I pursued legal advice and filed Small Claims Hearing, learning the limitation of Small Claims I reconsulted and began retainment of legal representation to attain judgement and damage recovery. 
I submitted disputes to the Credit Reporting Bureaus regarding the Fair Collections & Outsourcing account but continued to be negatively impacted by the presence of the collection account. 
Te date request for debt verification request remains unfulfilled and the collection account continues to be reported which has caused me to be disqualified for housing. XXXX XXXX has reported an invalid amount intentionally withholding substantiating dialogue. 

Fair Collections and Outsourcing continued attempts to collect and report a debt with a financial gain incentive, without proper investigation, documentation or adherence to Federal regulations and intentionally caused severe damage to my livelihood and well being in effort to collect debts without basis to assert this action to my knowledge, my requests for debt verification are unfilled. FCO states on XX/XX/XXXX that my dispute with the Credit Bureaus has limited their ability to provide a debt verification.

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 2018-03-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery purchased debt I owed on a former XXXX Card Services/XXXX XXXX XXXX credit card. The statute of limitations expired on this debt in XXXX, XXXX. They were calling several times a day from different numbers. So early in XXXX, XXXX, I sent them a certified letter asking them to stop calling. I have tracking information showing the letter was received. But they still call several times every day. In addition to the number I provided, they also call my cell phone, XXXX. I don't answer the calls, but they are still annoying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Yesterday, a collection agency named Sequium reported a {$280.00} collection account on my credit report. Prior to the appearance of this account on my report, I received absolutely no contact from this collection agency, much less given a 30 day notice to dispute. I don't even have any idea what this is. When I called Sequium to complain, they told me that they don't have to tell me anything about the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: NJ
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: EQUIFAX, INC.
State: MD
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 took a look at my consumer report which caused severe XXXX and XXXX. According to the Fair Credit Reporting act XXXX, XXXX and EQUIFAX are violating my rights as a federally protected consumer. 
-15 USC 1681 ( a ) ( 4 ) : states that I have a right to privacy -15 USC 1681b ( 2 ) : states that a consumer reporting agency may not furnish an account without my written or oral instruction.

-15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercises their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy. 
Here are the errors as follows : XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Back to XXXX, 2022 I was contacted by someone from the XXXX XXXX. The agent who picked up transferred me to a XXXX XXXX who later provided his phone XXXX who proceeded to tell me that he would refund me directly to my Chase account. He began processing the refund by breaking the {$230.00} into two figures, {$60.00} and {$170.00}. He then asked me to enter on my computer, the first amount, {$60.00}. The computer 's visual processing information generated the figure, {$60000.00}. XXXX was very upset because it was such a gross mistake that he could not reverse. Next, he wanted to demonstrate the funds available in my account, so he asked me to log into my account where it showed the credit limit was {$60000.00} more than the original limit. At this point, he demanded I return the money and suggested I go to Chase and request a $ XXXX cash advance. With him on the phone, as he requested, I went to Chase to make the request. The maximum allowed was {$3500.00}, which I withdrew. He then instructed me to purchase XXXXXXXX XXXX XXXX  and provide him with the numbers. This I also did. I returned home with him still on the phone seeking the balance of the $ XXXX. He started by asking that I transfer a $ XXXX XXXX XXXX XXXX to my checking. After the gift cards were purchased, he asked for the identifying numbers on the card. Needless to say, when I contacted XXXX, they confirmed that all of the gift cards were negotiated leaving XXXX balances. Today, I feel lost because my financial situation went bad, I simply feel betrayed. I lost some amount because of the fraudulent company of which I was not aware. That's why, I am coming to you with this official request to help me to get the refund of my full lost money for the amount of XXXX USD. 
Chase verbally declined my request for a refund. I requested a letter with Chase 's decision but to date I have not received it. I contacted Chase today and was told that they will not prepare such letter. 
My case number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 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 2019-11-03
Company: EQUIFAX, 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:
In XX/XX/2015 I hired a contractor to perform a very small ( 3-4 hour ) job at one of my rental homes. I met the workers in the late morning and let them in the home. Several days later, I contacted the contractor to arrange payment and was told that they were finishing up the work at that very moment. I told them that was impossible because my job only supposed to take one afternoon. I was told that additional work beyond what I had requested was performed. I told them that no additional work was requested or approved. I was told that the company owner would contact me to discuss. In spite of calling him several times and leaving messages, to date, I have never heard directly from him. Eventually, I received a bill for approximately {$2500.00} more than the job should've cost based on information gathered from other contractors. Upon reviewing the documents included in the bill, I discovered that the contractor claimed to have performed much more work than they were hired to do. They justified all of this extra work by presenting work orders signed by my tenant. I asked my tenant about this and he said that the contractor told him that I had requested this work and that it was ok for him to sign for me. Of course, this was not true. In fact, I never signed anything related to this job whatsoever. The contractor 's documents even attempt to assert that the job was related to an insurance claim with XXXX XXXX XXXX XXXX. I have never insured this property with XXXX XXXX and the original job I requested was in no way related to any insurance claim. I sent a check to the contractor in the amount that his competitors indicated they would've charged. The contractor refused to accept my check as payment and eventually turned me over to collections. Upon hearing from the collection agency, I referred them to my attorney and have heard nothing more from them. In XX/XX/2015 this collection showed up on my credit report. I contacted Equifax and disputed it. I provided all of the various documentation clearly showing the signature of my tenant on the work orders. I explained the entire situation and that obviously, my tenants are never authorized to obligate me to pay for work performed by contractors. Equifax responded by allowing the collection to show up on my credit report in spite of clear and overwhelming evidence of fraud committed by the contractor. It seems clear to me that Equifax is catering to the entities that pay them rather than the ordinary consumer that is harmed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
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:
Portfolios Recovery Associates, LLC are in Direct Violation of The Fair Credit Reporting Act, has violated several of my rights. Is reporting a debt that is not mind on my credit report with the amount of {$1100.00} that does not belong to me. I have been contacting them several times a year from XXXX XXXX XXXX XXXX  to get this removed from all three major credit bureaus. 
They still have not removed the information. 

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Greetings, Barclays Bank in many occasions doesn't deposit rewards without a hassle. I have earned XXXX miles for a referral on my XXXX  Mastercard, it showed on my statement but they never sent to my account. Customer Service doesnt have any information. Im reporting because its not the first time this happens with Barclays promo and rewards offers. This agency never fulfill its terms and promises without you requesting your rights.

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 2023-06-20
Company: EQUIFAX, 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was checking my credit report with XXXX XXXX on XX/XX/XXXX, at XXXX XXXX like I usually to do and I noticed that my score was down 27 points. I went to check the reason because for me my credit is very important and I paid on time but I found a Debt Collection on my report from I.C. System Inc., for the amount of {$6300.00} linked with XXXX XXXX but I never had XXXX services so I make a phone call the Collection Agency at that moment ( XXXX ). They asked me for my name, social security, date of birth, address and phone number that I provided and I denied this transaction with XXXX and explain to them that I never had this service. The representative told me that my address doesn't match either my phone number but my name, social security, and date of birth matched. They had on their records XXXX XXXX XXXX XXXX, XXXX, FL XXXX and the phone number linked with this account is XXXX data that I do not recognize at all. They filed a case of fraud and identity theft with Reference # : XXXX. Immediately after I went to file an Identity theft report with the XXXX XXXX Police Department where I live since XX/XX/XXXX and they filed a report for fraud and identity theft case # :XXXX and because of jurisdiction issues I have to report the city linked with this fraudulent transaction I called to the XXXX XXXX Police Department after and they filed a report for fraud and identity theft with a case # : 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 2019-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX XXXX is reporting that my account was turned over to a collection agency and they never once sent me a final bill. They came and picked up all of the equipment and I was told Id receive my final bill. I got a receipt for the equipment picked up by the XXXX representative and theres NO WAY that my bill is {$580.00}! It was less than {$360.00}. I have also attached the contact info of the XXXX representative that came on XX/XX/2019 and picked up the XXXX equipment.

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 2023-10-12
Company: EQUIFAX, INC.
State: NV
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, XXXX XXXX XXXX XXXX, under the penalty of perjury affirm that all forthcoming statements are true. In XXXX of XXXX  I submitted a CFPB complaint against Transunion for reporting unverifiable public record information to my Transunion credit report and file. The unverifiable public record account being reported by Transunion is as listed : XXXX XXXX CT NJ XXXX Reference # - XXXX. Transunion claims that this public record being reported has permissible purpose because it was verified as accurate by reseller XXXX XXXX as of XX/XX/2022 but XXXX XXXX is saying the complete opposite. XXXX XXXX is saying that the public record is unverifiable and that XXXX XXXX has made the decision to delete and remove the unverifiable public record information as of XX/XX/2022. Transunion, claim they investigated this dispute and that it was verified as accurate by XXXX XXXX but there is no way they attempted to investigate the accuracy of the information if XXXX XXXX is saying that the information is unverifiable. If XXXX XXXX sold this information to Transunion and are now saying they can not verify the information and the XXXX XXXX  XXXX located in XXXX is also saying that they do not verify or validate disputed information, then that means that Transunion has no way of validating this disputed public record information and shall delete the fraudulent account immediately pursuant to Fair Credit Reporting Act subsection 15 USC 1681b. If Transunion refuses to delete this public record account that can not be verified or validated, then I will be forced to pursue remedy by filing a complaint with the US District Court of New Jersey before a competent court of law! Transunion can be held liable criminally and civilly for these FCRA violations. Delete public record account immediately as it lacks permissible purpose for reporting and also continues to violate my federally protected rights now making me a victim.

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