BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-18
Company: Platinum Holdings Group, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Refer my CFPB Complaint # XXXX. Debt was XXXX XXXX XXXX account. Was contacted over 4 years ago ; I ran into lack of job and other financial difficulties. Card is charged off ; Contract sold to PLATIMUM HOLDINGS of XXXX, CA. - File # XXXX. I dispute notification of debt and account. I was contacted XX/XX/XXXX by a Process and Services Agency called XXXX XXXX XXXX, and was informed after calling number for more info, spoke to XXXX XXXX, a Claims and Mitigation attorney with XXXX XXXX XXXX in California. He gave me Case info and that it had been sold to Platimum Holdings, a Client of XXXX XXXX XXXX. This Debt is OVER 10 YEARS OLD, and the statue of collections was to expire XX/XX/XXXX, per XXXX XXXX. My Original balance about XX/XX/XXXX was {$980.00}, but was informed by XXXX XXXX that interest and penalties accrued, unbeknownst to me, to a balance of {$2800.00}. I want balance down to a more manageable amount if it is required to pay off, even though it is a charged off account. I want my file removed and released and do not want to be contacted by XXXX XXXX. County, VA court system. I could not make payments, fell short, tried to contact and get resolution, lost contact with whomever was holding debt. Was not notifed it was reported to another collection agent and then sold. Account " dropped into a crack. '' Does not show in my current credit files. Why notification now, over 5 years no contact, no notification and account sold and not informed. When I try to obtain more and better employment, this should not be in the records to hold me back from gainful employment. These companies " did not act in good faith '' to try and contact me until now. When verified, my DOB, info and address are current and on file, so there is No Excuse of no contact from XXXX XXXX and Platimum Holdings. XXXX XXXX gave me contact number for Platimum. It is : XXXX and they are in XXXX XXXX, California. To my knowledge, my credit is in good standing. I do not need this issue hanging over my head. 
XXXX XXXX original Credit card account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX # XXXX XXXX  - XXXX XXXX # XXXX XXXX XXXX  Account # XXXX 15 U.S.C 1681 Section 602 : A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 Section 2 : States a Consumer reporting agency can not furnish an 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 the 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 or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX is sending me letters in relation to TWO fraudulent loan accounts. I spoke with a representative from the ORIGINAL DEPBT OWNER of the account, XXXX XXXX They confirmed today that " THERE IS NO RECORD OF YOU AND ANY LOAN WITH US IN OUR SYSTEM. '' I asked the representative if there was anything dating back TEN YEARS. She said, " no, we do not have ANY record of you in our system at all. This happens often and we will be sending you a letter stating such. '' I am angry that XXXX is attempting to collect on something they know is fraudulent and why now? Where did they BUY the information and think it was valid? What system has given XXXX the power to harass consumers? Threatening letters, offers to settle, threats to post negative information on one 's credit report, who gave them the power to be jerks?!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: SLM CORPORATION
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Every month since I have graduated I have been trying to pay these loans and every month they mess up how the payment gets processed and its only until I end up calling and verifying everything 3 times in one or two weeks that they finally figure out how to process my payment. As this has now gone on for five months its getting to the point of malpractice and Im genuinely concerned that they are trying to force late fees on my account and mess up my credit score to the point where I cant refinance at another institution that would actually know how to do basic addition and subtraction and process payments. The latest problem I ran into with them is that once again my payment, which I tried paying 4 days ahead of the due date, was rejected even though I had money in my account and the account had worked to process the payment the month before ( after calling 3 separate times in the previous month to finally get it to show up ). So yesterday I called them and asked them why it didnt go through and after an hour on the phone with an agent she said she was able to process the full amount for all 3 of my student loans and the money was taken out of my account so I thought it would be okay. Today I checked my app and after another half hour on the phone the guy found out she put all my payments into only one of my loans so I have to pay for the other two ( which are now past due and have fees because everything takes 3-5 business days to process ). This is just the latest example of how inefficient and almost maliciously incompetent this company is. To any body out there reading this DO NOT USE SALLIE MAE FOR YOUR STUDENT LOANS.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 writing to delete the following information in my file. The items that need to be deleted are listed in the report attached. I am a victim of identity theft and did not make the charge. I ask that the items 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 Commission 's Identity Theft Affidavit. Please delete these items immediately.

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 2021-06-29
Company: Chime Financial Inc
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a Chime prepaid card. On XX/XX/21 I reloaded my card at XXXX located at XXXX XXXX XXXX, XXXX XXXX, OK. 
A cashier by the name of XXXX loaded an additional {$300.00} onto my prepaid card. As a result, I did not use the card after noticing the extra funds on my Chime card. I returned to the same XXXX location witihin a few hours of the original load transaction. The XXXX manager debited the extra {$300.00} on my account. I was then told by the store manager that she would also contact Chime to verify the correct amount had been removed. I recorded the managers store transaction of my Chime card via cellphone video. On XX/XX/21 Chime closed my prepaid account via email and I was immediately disallowed access to my online Chime account information. I contacted Chime via email about the cancellation of my account and received a general response on XX/XX/21. Chime indicated I would receive the remaining balance on my prepaid card via check within two weeks. Two weeks have now passed and I have not received the remaining funds on my closed prepaid Chime account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The following accounts/Inquiries I did not authorize to be opened/initiated, and would like them removed from my consumer reports. I have disputed them previously and would like validation of the ownership if they can not be removed. Also, the credit bureaus ( along with the creditors ) will need to provide their verification/investigation process, in detail, as well ; rather than just responding with unsupported statements. 

Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-11
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is the letter received from Midland Credit Management dated XX/XX/2023 claiming that I loaned {$3200.00} from XXXX. I have no idea or I did not loan any money from any company or banks. 
Letter from Midland Credit Management : of beina filing. 
MIC IM Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Original Creditor XX/XX/2023 Original Account Number MCM Account Number Current Owner Current Servicer Current Balance Mon-Fri : XXXX - XXXX XXXX ET XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management , Inc . 
Midland Credit Management , Inc . 
{$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE XXXXXXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX , We understand that you are inquiring about or requesting documentation about the accuracy of our records concerning this account. After reviewing the information you provided, our account notes, and information provided by the previous creditor, with an address of XXXX XXXX XXXX XXXX XXXX, CA XXXX, we have concluded that our information is accurate. We have also enclosed documents regarding the account. If you believe we have reached this conclusion in error, please reference the information below : We have received the following information from you : We are uncertain of what you are specifically disputing Next steps : In order for us to further investigate your inquiry please provide the following : Written explanation and documentation demonstrating any errors in your account information Some additional information about your account : Date opened : XX/XX/2023. Date of charge off : XX/XX/2023. Current servicer : Midland Credit Management , Inc.. Date purchased : XX/XX/2023. Original purchase balance : {$3200.00}. Accrued interest : {$0.00}. Accrued fees : {$0.00}. Total payments/Adjustment applied : {$0.00}. Date paid in full ( if applicable ) ; Recent Transactions : Date Amount Date Amount Date Amount *Only the last 31 payments are reflected in the above table For additional information you may contact us online at MidlandCredit.com , you may also call Consumer Resolutions at XXXX. 
XXXX XXXX XXXX : XXXX Sincerely, XXXX XXXX Consumer Support Services. 
This is a lie, if they gave the money they claim, check which bank account it went to and who received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: UT
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:
Experian has not updated my credit report in months and I recently filed a dispute to correct some of the information they are reporting. I uploaded documents from XXXX, my student loan servicer and from the Washington State Division of Child Support. 

However, Experian has rejected my documents per an email received a couple of days ago.

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 2022-08-11
Company: TRANSWORLD SYSTEMS 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 information incorrect

Complaint:
On XX/XX/XXXX, a disputed apartment rental account for {$740.00} was resolved in my favor as the apartment management company could not prove that the amount they stated I owed for carpet repair was true and correct. I was also charged a rental late fee at time of move out. This was a final payment, not a regular rent payment which I had to mail and did so the last day that the apartment was in my name in XX/XX/XXXX. I moved out XXXX XX/XX/XXXX and they acknowledged receiving payment on XXXX XX/XX/XXXX. I had to mail this payment as I am military member and was on PCS orders at that time and was not in the local area. I eventually paid the {$95.00} balance on account to avoid affecting my security clearance although I still dispute that amount as well. My credit report and rental record still erroneously reflect the full balance of the {$740.00} as a collection account. The account balance is wrong and I paid what was owed which was {$95.00}. Transworld needs to update the original amount owed on my credit report to {$95.00} as that what was actually owed. The {$740.00} original balance was erroneous, wrong, and incorrect as it was disputed and acknowledged as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: CA
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:
This is my numerous attempt to inform you that I am a victim of identity theft and that I am complaining about certain entries in my documents that have arisen as a result of the crime. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2023 ; XXXX  XXXX XX/XX/2023 ; XXXX XX/XX/2023.

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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 have recently discovered that 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. The account starting in XXXX XXXX XXXX XXXX XXXX XXXX, are the accounts in question. Knowing that 15 USC 1681 section 602 A : states that I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions, neither allowing by act 15 U.S.C 1681c. ( a ) ( 5 ) stating 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. Lastly and ultimately, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02
Company: EQUIFAX, 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:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was purchasing a video game console through XXXX 's XXXX XXXX XX/XX/XXXXprogram through XXXX, which requires you to obtain a line of credit through Citizens. Citizens handles the lines of credit for this program for all retailers offering it. When starting the Citizens application it is stated that the product is held while the application is being completed and processed. I finished my application and was immediately approved. This was all on XX/XX/2021. Today on XX/XX/2021 I get a message from Citizens saying that my order was cancelled because there was no inventory available. There is now a hard inquiry on my credit report, as well as an open credit account under my name that can only be used for this program with the retailer I had gone through. All official sources for this program designate Citizens as the support channel for this program. It was fraudulent for them to let me go through this process of applying for a credit account for a product that was reserved for me, but not actually available, and to now have this stain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My current Experian credit report shows three ( 3 ) Hard Inquiries that do have a large effect on my current credit rating. They are from 1. ) XXXX XXXX, 2. ) XXXX and, 3. ) XXXX XXXX. The first two mentioned ( XXXX XXXX and XXXX ) were both for credit cards which were approved and I'd appreciate their removal as I requested the removals from both creditors and they approved them but Experian continues to report them. The third ( XXXX XXXX ) was also for a credit card which was denied in most part due to the continued presence of these Hard Inquiries, which has caused me another negative reduction to my score on top of the pull. These deductions would have never occured for XXXX XXXX if the two prior pulls were taken care of in a timely manner as of todays date all three pulls remain on my Experian report and the deduction to my credit score due to XXXX XXXX denial.

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 2023-08-26
Company: Experian Information Solutions Inc.
State: CO
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:
Someone at a bank ( XXXX  ) opened an account fraudulently. So they used my name and social security number. The bank and the Experian credit reporting agency refuse to remove the fraudulent information in the report, claiming the the identification information matches my name... yeah, because that's how identity theft works. I have included ANOTHER FTC Identity Theft report, showing that this is a case of fraud, and have gone through all the proper channels of reporting it to local and federal authorities. Now, it is EXPERIAN that is violating the fair credit reporting act by not removing the fraudulent information in a timely manner.

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