BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX, are in violation of Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again they need prior written instruction of the individual to whom it relates. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
credence obtained my information through XXXX  they are trying to collect on there behalf and I gave them no authority to do so they've already contacted me several times attached below are the reports from FTC.gov and a letter they sent me claiming to be representing XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX, Transunion have not removed this fraudulent account from my credit report. " XXXX XXXX  XXXX XXXX '' does not belong to me. 

I first reported this account in XXXX of 2022. I have submitted FTC Identity theft report 's on both XXXX XXXX XXXX Bank who owns them. 

XXXX is in direct violation of Federal Law 15 U.S Code 1692 ( g ) Fair Debt Collection Practices Act ( FDCPA ) which requires them to validate such debt by providing All of the following : 1. The identity of the original creditor.

2. The amount of the alleged debt.

3. The name and address of the original creditor, if different from the current creditor.

4. The original lawful contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX ( the natural man ), and XXXX, that proves I agreed to pay the alleged amount. 
5. A GAAP accounting documentation ( both on and off ledger ) showing the exact asset ( s ) used to collateralize the debt.

It is my right to request validation of any purported debt under the Fair Debt Collection Practices Act & It is XXXX XXXX obligation to supply the aforementioned materials as requested which they have failed to do time and time again. 

Not only has XXXX not lawfully validated the debt but they have continued to fraudulently collect & report the fraud. 

I am now demanding XXXX to remove this fraudulent account from my report because it is identity theft & does not belong to me, was never lawfully validated, and furnishing this information is now another violation that experian, transunion, and XXXX are committing onto me which is continuing to cause me harm.

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 2023-10-31
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
When I received the pay off it was XXXX that same month my morgage was transred to XXXX XXXX with a deferred balance of XXXX add to my morgage. My year XXXX XXXX 1098 morgage statement was XXXX XXXX statement for XX/XX/XXXX was XXXX XXXX statement for XX/XX/XXXX was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reinvestigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are 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 XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$0.00}

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 2017-07-18
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: Account information incorrect

Complaint:
Hello, I am writing this message because I am having a problem with the credit bureaus. As im going over my credit reported dated   XXXX    23rd 2017. I know I have a few accounts listed on my credit reports as well that leads to inquiries, but the ones that are not attached to an account does not belong to me. The credit bureaus are supposed to gi  ve me a 5 day notice that inquiries were supposed to be placed on my report and I never received any type of notification. Also there is an account thats haunting my credit report to the extreme, its called   XXXX   XXXX   XXXX  . This has been reporting to my account for some time now, i have tried disputing and calling to let the bureaus know that this account does not belong to me AT ALL! I have no contract with this company. Its been disputed, but keeps coming back verified. The FCRA states that if they can not validate the debt, it has to be rem
oved.Its an unverifiable account.please remove it/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 2017-07-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is important to note, my loan officer company is   XXXX   XXXX   XXXX    XXXX  is a different firm managing my loan payments.
I have received in mid  XX/XX/XXXX  attached statement "  XXXX  '' from loan officer su.
In this statement it was clear that my next payment date is XX/XX/XXXX and new monthly is  XXXX .
In addition, in that statement, you can see actual payment on   XXXX   as accounted for and it clearly stated that i overpayed the year of  XXXX  and it included a check of  XXXX  $ made to me to pay for the surplus i paid.
I was preparing to make my  XXXX  payment as usual. but after this letter, i checked  XXXX  website and deducted no payment is required.
No emails nor phone calls nor mails were received from neither firms until   XXXX   XXXX  etter attached which was received in XX/XX/XXXX  stating that i was actually late.
Before i even knew, I went to   XXXX    lat e  XXXX  to pay for   XXXX   and realized the issue and paid for both  XXXX  and  XXXX .
that day spent hours on   XXXX   XXXX  , i tried processing my payment but it wasnt going thru. There was a total issue occurring.after painful experience, i 've figured i need to process two separate payments for each month and together it was failing since monthly amount itself have changed.
Overall, Both companies failed to notify me on timely fashion and provided contradicting information. Both promised to remove from credit report and that it will be repaired once misunderstanding has been cleared.
However, 6 months later and after very horrible experience and 6 month of emails with loancare.com i stil havent been able to remove it from my credit report. i was reported as 30 day late and now PMI will not be removed because of this mistake.
This company been redirecting me from one department to another and today i was redirected to a fake email  XXXX  They damage my credit for no reason without proper notification. they 're interface now spams me with multiple pop-ups and i have to click 6 times to confirm to just see my statements. They are aware of the issue and claim they are working on a fix. this has been going on more then 6 month.
despite the reasonable case that ive made and many messages and followup and even after i paid fees and over 6 month of trying to get response with no luck, the creditor is acting unreasonably '' by not removing the 30day late payment even when they agreed to and Loan officer already agreed to remove since they have sent the confusing statement and never clarified.
I wasted my time for half a year now, and i hope similar companies can be stopped from consumer harassment such as my case above and held them accountable for what they are doing.
Regards,   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions, You sent me a credit report stating the fraudulent account XXXX XXXX XXXX XXXX has been deleted but on XX/XX/2022 the account was reported again without my consent. therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft and the state attorney of Florida, the XXXX XXXX XXXX XXXX of Florida. ( all documents attached ) Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX XXXX XXXX XXXX This is a notice of default and opportunity to cure for Equifax as the affidavit sent in support of my claim was not rebutted and my demands in the cease and desist were not met. This is an opportunity to settle this dispute by acting in good faith by providing my request of remedy due to the wrongdoings done against me. 

In this attachment will be all previous attachments sent to Equifax including affidavit of truth, Exhibits A ( Pointing out each violation ). in the case you default again, a lawsuit will be commenced against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Atlanticus Services Corporation
State: CA
Product: Credit reporting 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 am disputing following companies for unauthorized inquiries I had no knowledge of up until this point. I am a victim of identity theft and will provide docs of the many submissions i have placed to prove that my account has been tampered and. I am trying to clear my report and this includes erasing these inquiries that wasnt authorized by me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX XXXX. 
My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX  IL XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} 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 non-monetary relief
Consumer complaint received 2020-03-29
Company: Experian Information Solutions Inc.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This credit card XXXX XXXX  that have two entries, should have been removed from my report as it was closed in 2012, I have tried to dispute it but they are a shady company, I am requesting that they both be removed. They are closed and no longer used and they are over seven years old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022 XXXX removed debt collector for failure to validate. 
Debt Collector has reported false debt on XXXX XX/XX/2022 & XXXX XX/XX/2022. 
Debt collector continues to avoid validating debt. **** Futhermore Debt collector is hiding original creditor information in reports to avoid validation. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
PORTFOLIO RECOVERY ASS has been trying to collect an account for   XXXX   XXXX   Credit card that does not belong to me. They have been sending me letters and placing threatening phone calls to me trying to force me to pay a debt that   XXXX   XXXX    turned over to them that is fraudulent and that was opened in my name as a result of identity theft. I have made them aware that this account was fraudulent and I have made   XXXX   XXXX   aware as well, however they continue to contact me and continue to make threats against me. They have told me that I could be arrested for not paying this account to them even though they are fully aware that this is a fraudulent account just the same as   XXXX   XXXX   XXXX   is aware that this is a fraudulent account. I have supplied both   XXXX   XXXX   and Portfolio Recovery ASS copies of my police report, and identity theft Affidavit, but they continue to refuse to close this account from my name and continue to try to force me to pay this fraudulent account by telling me that I can be arrested even thoug the account does not belong to me. The partial account number for the account is  XXXX . They have this account placed against all  XXXX  of my credit reports and are defaming my character by continuing to report this fraudulent negative account against me which is both willful and malicious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18
Company: DISCOVER BANK
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX, 2017, while reviewing my XXXX XXXX XXXX report, I noticed an alert to a credit card balance with Discover in the amount of over {$3000.00} for an account ( no. ending in XXXX ). I immediately contacted XXXX and told them that I never applied for a credit account with Discover. I contacted Discover and informed them that the account in my name was fraudulent. I also filed a police report. Discover denied my claim of XXXX XXXX and Credit card fraud without providing me any information of probative value in defense of my claim. They indicated that I would be billed under a new account number. I sent a letter dated XXXX XXXX, 2017, requesting reconsideration of their decision, along with a request for information and documents. I also submitted compelling data in my defense : Indisputable data from my Bank transactions and Phone GPS tracking log, other info, that clearly show that I was nowhere near the location that the fraudulent credit card activities occurred. I demonstrated that I have an excellent credit rating and that my purchasing travel and payment habits have remained consistent for years. Discover refused to retract their decision and failed to respond to the request for information. Ultimately, Discover closed the fraudulent account ( no. ending in XXXX ), and opened a new account, ( no. ending in XXXX ) in my name, without my approval. Discover then transferred the approximately {$3900.00} balance from the fraudulent account ending in XXXX along with a transfer fee of {$140.00}. to the new account ( no. ending in XXXX ).
To date, I have filed claims with the major three credit reporting agencies : XXXX, XXXX, and XXXX, Discover, XXXX Md. Police., XXXX Inspector, FTC , MD Attorney General, and the FBI 'S Internet Crime Complaint Center.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act, the following companies below have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act, 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 

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