BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-29
Company: Credit Management Services, Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit Management Services , Inc. of XXXX XXXX XXXX, XXXX XXXX, Nebraska XXXX and attorneys for Credit Management Services : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX have served a non-earnings garnishment upon me, in the District Court of XXXX County, Kansas. Case No. XXXXXXXX XXXX XXXXXXXX. 

This limited action pursuit by the judgement creditor, Credit Management Services, has resulted in two garnishment occurrences, totaling over {$1200.00} and an automatic closing of my account # XXXX, by the garnishee, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Kansas XXXX. 

A letter in response to this non-earnings garnishment judgement communication was sent to Credit Management Services Inc. and received on XX/XX/2021 ( USPS CREDIT MGMT TRACKING # XXXX XXXX XXXX XXXX XXXX received by Credit Management Services on XX/XX/2021 ).

This letter to the judgement creditor was an earnest attempt to discover the validity of this debt and if valid, the possibility of settling the debt. 
Specifically, the letter requested : 1. The name and address of the original creditor, the account number and the original amount owed.

2. Verification that there is a valid basis for claiming that I am required to pay the current amount owed, and if applicable, how the original amount owed is different than the current amount owed, at the time of the non-earnings garnishment.

3. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization of this interest ; the date the original creditor claims this debt became delinquent.

4. Please also note whether this debt is within the statute of limitations and how that was determined.
5. Please also forward details about you and or your agents/attorneys authority to collect this debt : whether you are licensed in my state and if so provide the the date of the license, name on the license, license number and the license number, name, address and telephone number of the state agency issuing the license. If you are contacting me from outside the state of Kansas, provide the all the same licensing information from your state as well.

As of today, Credit Management Services Inc. and or their agents/attorneys, has not responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
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: Account status incorrect

Complaint:
I'm writing to bring to your attention the presence of fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have unfortunately fallen victim to identity theft and have acted immediately by reporting this incident. 

It is of utmost importance to address this matter promptly, given its adverse effects on both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a comprehensive investigation into this issue. I am fully prepared to provide any necessary evidence and, if necessary, take legal action to protect my rights and seek appropriate compensation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have asked for these companies to remove these loans from my credit report and or provide proof of legal attachement to these account over 30 days old and nothing provided and still not removed from 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 explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Recently, I was refused credit as a result of some derogatory information on my credit profile. Under the provision provided by FCRA, I hereby request a complete copy of my current credit report for my observation and correction of any incorrect information. To diminish speculation my information is as follows : Name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : XXXX XXXX XXXX XXXX XXXX, CT XXXX Please be sure that my address is listed correctly. This is the only address I have lived at. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, MY RIGHTS HAVE BEEN VIOLATED MY RIGHTS : 1. 15 U.S.C 1681 SECTION 602, 15 U.S.C. 1692 States I have the right to privacy.

2. 15 U.S.C. 1692 ( C ) ( A ) States a debt collector has to have my consent to text, call, or email you.

3.15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

4. 15U.S.C 1681 B ( 2 ) States if I did not give permission to have anything on my credit report it is not suppose to be there.

5.15 U.S.C 1666 B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

6. 15 U.S.C 1692 ( F ) ( 8 ) - States you are not allowed to use logo or symbol on their envelopes.

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 2023-12-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my 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 explanation
Consumer complaint received 2018-08-21
Company: Genesis Credit Management, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX from Genesis Credit Management has contacted multiple non-immediate family members and informed them of a debt. XXXX also left the debt information on a voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: MO
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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXXXXXX Balance : {$2800.00}

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 2022-11-09
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent a letter to Experian, XXXX, and XXXX asking them to verify XXXX  accounts and unauthorized inquiries on my credit report by providing an original contract or other document with my signature that would prove ownership of the accounts. I requested that if they could not verify those accounts with a signed document, that they should remove them from my credit report immediately. It has been XXXX XXXX and I have not received any correspondence in relation to my letters indicating that an investigation has begun or that the accounts have been verified. I sent another letter on XX/XX/XXXX informing them that I had not received a response and that I required a response immediately. Their reporting of unverified reports is hurting my ability as a consumer to qualify for certain credit and housing applications. I have attached the aforementioned letters for reference.

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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Attached are documents ; I want the bureau to investigate these accounts. Despite my punctual payments, they are reported as late.

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 2023-03-12
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I wrote this company XXXX and asked them to do an investigation and correct their records. This letter was sent out XX/XX/XXXX Today is XX/XX/XXXX and there has been no investigation or attempt to correct their records. Enclosed I will show pictures of the letter sent XX/XX/XXXX along with a picture of the certified mail receipt. I am also enclosing pictures of my credit report obtained more than 30 days after they received the letter to investigate and validate the debt. You can see the errors across the reports when it comes to the dates of last activity and payment history etc. This has impacted me and changed my life severely. In the letter I stated that if no action was taken in a timely manner that I would be contacting the cfpb and still no validation of the debt after over 5 months. This is a complete violation of the fair credit reporting act and the FDCPA.

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 2021-06-29
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX XXXX Original creditor : XXXX  XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: FL
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these continue must be verified ( A ). If you do not verify these continue, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Capital Accounts, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hallo : My name is XXXX XXXX the problem I am with this company Capital Account they reported that I had XXXX done in XX/XX/XXXX in XXXX, fla. And when I called them myself they said the original date was in XX/XX/XXXX it can't because I was having my own XXXX DONE IN XX/XX/XXXX TO XX/XX/XXXX I STILL HAVE THE XXXX that was XXXX AND XXXX  and paid BY HEALTH INSURANCE IN XXXX , N.Y. and I Did Not Travel anywhere because my oldest daughter XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX And she lived in XXXX , N. Y. And in XX/XX/XXXX I was going back and forth from XXXX to XXXX to family Court for my grandson all the way to XX/XX/XXXX. And after that I moved into my new apartment at XXXX XXXX XXXX XXXX XX/XX/XXXX and I got my Section 8 approved at the same time in XX/XX/XXXX. And I been taking care of lower back severe pain. I have the paper 's anything you will need. And I did have the father XXXX XXXX XXXX d.o.b. # XX/XX/XXXX who lives in XXXX, Florida he stole from my florida food stamp card he was using it and I was not awhere of this until I moved back to XXXX XXXX XXXX In XX/XX/XXXX and I went to apply in New York food stamp office they said I was collecting in florida so I had to give them his information and I had to show them I had nothing to do with it did and I finally won my case and was able to start receiving my new benefits. Capital Accounts # XXXX. I was able to get XXXX to help me with this item they were able to take out of my Credit Report and then I tried to get XXXX  credit report to help me and they were not able to help because Capital Accounts said it was mines and that was it!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 explanation
Consumer complaint received 2018-03-20
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a complaint with my credit card company XX/XX/2017 regarding a vacation to XXXX we didn't receive what was described the company acknowledge that there were several complaints made and agreed to refund {$1500.00} from a letter sent from my credit card company. I have followed up with my credit card company regarding the credit back on my card they continue to tell me I have to complete another dispute indicating the company has not credit my card back. My credit card company indicated I should follow up with the resort so that they can put the credit back on my card. I have made many attempts with the resort to process the refund with no success.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: TX
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 am writing to demand removal of all charge off 's, collections and public information removed from my report. This is a violation of 15 UCS 1681 ( a ) 4 and my right to privacy. 
Thank you.

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