BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: Professional Debt Mediation, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and PROFESSIONAL DEBT will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-06-23
Company: FIRST PORTFOLIO SERVICING INC
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I contacted this company REVVI there was an inquiry from them on my credit report as I know I never applied. The credit bureaus supplied me with their phone number and when I spoke to them I found out there was an entire account recently opened under my name. I LET THEM KNOW I NEVER AUTHORIZED THEM OR ANYONE to open any accounts under my name and social and to remove that immediately. And also never lived at the address they have repeated to my credit report either attached to this account! 
Especially since I caught it early via the inquiry. 
Now weeks later they still have the account OPEN and had actually placed it on my credit report even AFTER me contacting them about the fraudulent account KNOWING that it is fraud. If they do not remove me out their system and delete this FRAUDULENT INFORMATION off my credit report I will take legal action against them as they have been TOLD already and have done NOTHING except proceeded to place account itself on my credit profile and keep the account OPEN. I willl be filing a complaint with The FTC and all other government agencies due to the unethical practices of this company, should they not remove me out their system and off my credit reports as they are supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: CREDIT ACCEPTANCE CORPORATION
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:
Credit Acceptance late payments 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-06-23
Company: T.S. Holdings
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of XXXX, I moved out of a rental. In XXXX of XXXX the past due rent amount was submitted to a collection agency called IQ Data. I reached out the IQ Data 's office and was instantly met with a contentious and extremely aggressive agent by the name of XXXX who claimed she was the manager and there was no one above her who could assist me. From the very start she was unwilling to listen to any of my concerns as the amount being requested was incorrect. I dealt with the rude comments and unprofessional behavior that she exhibited as I was fixing my credit to purchase a home. Nonetheless, I tried to work with her as well as hiring a attorney from a debt resolution company and they were met with the same difficulty. The collection account was already reporting on my credit report. On XX/XX/XXXX, IQ Data decided to add the exact same collection account to all three bureaus as a new collection account. I filled a dispute with bureaus and the debt was validated as correct. This is NOT correct information. I am in a position that there is nothing that I can do. She has completely destroyed everything that I have worked hard to fix with one key stroke of the key board and now I am unable to purchase a home because of her tactics and illegal reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I opened a barclays credit card a few years ago through XXXX XXXX and my account was closed at my request I think two years ago. Since then Barclayscard will not permit me to pay my bill online. I am required to mail or phone in a payment method. 
I have had issues paying my overall credit debt so I have obtained services from XXXX XXXX XXXX. When they reached out to Barclays I was denied to be put on the program. I had to call BarclaysCard 10 times until they would give me a straight answer and kept trying to get me to use their approved list of credit counseling programs. They also told me my account will need to be at least 3 months behind to get offers and to be on credit counseling -- this is not good!! They want me to go behind and hurt my credit scores. 
The collection department stated I couldn't be on a program because I missed payments. I was asked for the 10th time to enroll in their own program paying $ XXXX/month. 

This is such an unfair business practice to have. They do this on purpose so you miss payments and have to pay extra fees.

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX 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.

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I called Transunion on XX/XX/XXXX to ask why my credit score had changed. The operator couldn't explain why tried to put me through to another department, that didn't happen. On XX/XX/XXXX I received in the mail from Transunion a credit report saying that I requested it but I did not. Today XX/XX/XXXX I have been on the phone numerous times trying to get someone to explain why a company did a search on my account. It states it was done via Transunion XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX which is a transunion phone number. Many people are complaining online since at leastXX/XX/2013about this company doing credit checks and charging them without their permission or ever having done any business with them. Yet they are still operating under the name of Transunion. I am still on the phone with Transunion as I am writing this complaint waiting for someone to answer my question that no one seems to want or can't answer. Why are they still doing business with these people? They're a credit agency that should be protecting us! I also have XXXX XXXX XXXX that requested a check, why, I've never applied or done any business with them.

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 2022-11-06
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:
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 15 USC 1681. 

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 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 explanation
Consumer complaint received 2023-04-07
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2016-02-07
Company: SUNTRUST BANKS, INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicing provider ( XXXX ) transferred my mortgage to another service provider ( Suntrust ). This is a standard procedure and I went through the process several times before. However, this time I was not informed about the transfer from either company! Because XXXX had a wrong address on file I did not receive their notifications. Additionally, since the new service provider ( Suntrust ) relies on the address from the previous service provider, I did not receive any communication from them either. 

I found out about the transfer a few months later via a coincidence. I checked my credit report and noticed that my credit score dropped. Apparently I had a mortgage with Suntrust that was more than 30 days late. I was confused as I had been making timely payments to my my mortgage provider. 

I called XXXX and they informed me that they are not my service provider anymore and they referred me to Suntrust. Both providers admitted that they had the wrong mailing address and that the mail they sent to me had been returned to them. I do n't understand why Suntrust did not try to call me and why they reported the late payments to the credit bureaus when they obviously had the wrong address!? 

I immediately settled my balance with Suntrust as they were very adamant about the outstanding balance. At the same time I am still waiting for XXXX to reimburse me for three months of mortgage payments I sent to them. To add XXXX more twist to the story : my account will transfer to yet another service provider ( XXXX XXXX XXXX, I think ) in less than 14 days. 

Since I did not receive any information or notifications about this transfer either, I can only assume that Suntrust continues to use a wrong address. This is very frustrating!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: Radius Global Solutions LLC
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was contacted on my cellphone by Radius Global Solutions, a debt collection agency ( https : //www.radiusgs.com ). I ignored the calls. I was again contacted via cell phone today at XXXXXXXX XXXX from ( XXXX ) XXXX. I ignored this as well. On XX/XX/XXXX I sent a certified cease and desist letter to address : XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX with tracking number XXXX which was " delivered to final agent for final delivery '' on XX/XX/XXXX at XXXX XXXX per return receipt. 

They have been ordered to stop and yet they continue to call.

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 2022-06-01
Company: T.S. Holdings
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted IQ Data international today about a collection on my credit report in the amount of XXXX for The XXXX at XXXX. I first spoke with XXXX to request a copy of the charges and she absolutely refused to send them to me. She would not let me speak and was very rude. She only wanted to speak to me if I was going to pay, but why would I pay for something if I don't know what it's for. I called back again and got someone named XXXX or reconnected me to XXXX, again I got no where. I called back a third time and spoke to XXXX, he also refused to send me the summary of charges. He then proceeded to tell me that the charges he received were actually only a screenshot and that they were cut off. He told me to go to the complex. I did go to the complex and was told that they had no record of my charges their from 2018. They gave me the phone number and email address for tenant relations for the management company XXXX based out of California, I live in Virginia. I called them 4 times today and left XXXX messages. I also sent XXXX emails and received no response back. I am just trying to get to the bbottom of this and get this incorrect debt off of my credit report. I believe that IQ Data also retaliated today as a result of my calling them to request correct information my dinging my XXXX report right after I talked to them and dropped me XXXX more points. I was told bybthe XXXX court of XXXX, va that I do not have any evictions or judgements against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
they won't allow me access to my account online and buy phone they forcing me to go to a branch and the branch nowhere near me I'm in XXXX Virginia the closest branches and DC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like for MIDLANDCRE to show proof of verification that I owe them $ {$250.00}, ACCOUNT XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now. In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed ABOVE. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: MI
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 was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX  : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance : {$200.00} XXXX & XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance : {$590.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$470.00} INQUIRIES : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN COLLECTIONS : XXXXXXXX XXXX Balance {$75.00} XXXX XXXX Balance {$15.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Balance : {$200.00} XXXX & XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance : {$590.00} XXXX  XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) Balance : {$470.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : XXXX XXXX Balance : {$470.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2017-01-20
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been trying to get on a payment plan to pay off my student loans and they keep making it so the payments are way to high for me to pay. When I call to tell them this they tell me that I can do a forbearance and have no payments for 6 months while my interested keeps rising. All my attempts to try to get a decent payment to start paying off my loans go ignored but, they are very quick to keep putting off my payments. It 's extremely hard to get through to them and everything has to be done online and there are so many emails steps that you get to a point of utter confusion about what is happening. The payment page is the same way, I have XXXX lone that is {$25.00} and would like to pay that XXXX off but, you have to pay and wonder where they are going to apply the payment.

Company response to consumer: Closed with explanation