BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-18
Company: RMS-Recovery Management Services, Inc.
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
During a review of my credit report, I noticed a debt and a corresponding name to that debt that do not belong to my identity. The debt was related to a federal student loan and the name corresponding to that debt was one not belonging to my identity. After further review, I disputed that debt and name with each credit bureau as neither belongs to my identity. To this day, the referenced derogatory account has remained on my credit profile and is affecting my scores tremendously. I know that this debt is not an enforceable debt in the amount stated and does not belong to my identity. An unknown party without my permission or knowledge used my personal identification data to execute documents to obtain this loan. As I did not apply for this loan personally, I never intended to receive a student loan to pay for my education. An attempt to use mine and others personal identification data to obtain this loan was done illegally, with incorrect and false data. 

The date of the first contact by the collection agency was XXXX of XXXX. The total balance they presented to me was {$5200.00}. At that time I contacted the agency explaining the debt was not mine and does not belong to my identity. They responded in XXXX with documents and steps I needed to take in order to prove that fact. I followed their steps within the same month, only to be contacted saying what I did was incorrect and would not be accepted. In XXXX after not hearing from the agency, I sent another letter explaining the debt was not mine in conjunction with a letter from the FTC and an Identity Theft Report to have the debt collection stopped and it removed from my consumer report. Between XXXX and XXXX, they started to send correspondence to my work saying that they were going to garnish my wages in order to pay off the debt. They did not stop reporting the debt or stop collections activity against me but sent another form in XXXX that I needed to fill out to prove the debt does not belong to my identity. I complied and returned the form within the week. Again they responded needing MORE supporting documents by XX/XX/XXXX. The documents the requested were documents I sent them previously and this would now be the fourth time. I sent the documents in order to comply and put the matter to rest. However, after returning the documents I have not been able to get ahold of the  agency and they have not communicated any results back to me. I have sent follow up letters to all parties involved but I have not received any responses. One thing the collection agency does a good job of is leaving the full name of who the debt belongs to on their documents. They leave out a key part of the name that proves immediately the name and debt does not belong to my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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've disputed a late charge on several occasions with all three credit bureaus. XXXX waived a late charge ( the only late charge ) I've ever had with this credit card. According to CARES Act, Under Section 4021 of the CARES Act, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et. seq., is amended to impose new reporting requirements on institutions that furnish credit information to credit reporting agencies. Section 4021 provides that an institution that makes an accommodation with respect to one or more payments on a credit obligation or account that is subject to deferrals or forbearance agreements because of the COVID-19 pandemicand the consumer makes the payments or is not required to make one or more payments pursuant to the accommodationmust report such obligation or account as current or as the status reported prior to the accommodation. That is, accounts that were current before accommodations would remain current during the relief period, irrespective of any accommodations, while delinquent accounts before accommodations would remain delinquent, unless brought current by the consumer.

My account has always been current with the exception of this payment.

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not consent to electronic communications. I request all responses be in writing through the XXXX Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below 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 2023-04-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Today ( XXXX XXXX ) I just got a so-called " response '' from " EquiFax '' for my previous complaint XXXX : XXXX. On XX/XX/XXXX, I had PREVIOUSLY " mailed back '' a " certified '' letter to " Equifax '' with a ( XXXX ) Photocopy of my valid XXXX Drivers License ( # : XXXX ), and ( XXXX ) with my recent Pay Stub ( with my SSN : XXXX ) on it, and ( XXXX ) with my latest XXXX XXXX XXXX monthly ) utility bill ( with my : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) on it, and a ( XXXX ) Photocopy of my U.S. Social Security card ( with my Date Of Birth of : XX/XX/XXXX also on it!!!! 
" XXXX '' mailed me my " FREE '' credit report with my FICA score of " XXXX '' to my home address of : XXXX XXXX XXXX ; XXXX, XXXX ; XXXX on XX/XX/XXXX. And " XXXX '' also mailed me my " FREE '' credit report with my FICA score of " XXXX '' to my home address of : XXXX XXXX XXXX ; XXXX, California ; XXXX also on XX/XX/XXXX. ONLY " Equifax '' continues to violate my State of California and my Federal Credit Reporting " Due Process '' Rights for failing to mail me my " FREE '' credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: MN
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:
Experian had completed nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my Credit File. I have disputed this account and submitted complaints over and over again for how many months already but Experian Credit Bureau is not frightened to break the Federal law thus they took to be slothful and abandoned my appeals. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... 

XXXXXXXX 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 2023-06-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Regardless of how many times I claim to be the individual writing this letter it seems this messages is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. This item is UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 obtaining information under false pretenses that any person who knowingly and willfully obtains information information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous of Irrelevant ( A ) a consumer reporting agency may terminate a re investigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent non compliance ( 15 U.S.C, 1681o ) Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure : and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here is the list of an item which Is UKNOWN to me : Please remove/block the disputed item as they were opened without my consent or knowledge, pursuant to Section 605B of Fair credit Reporting Act.XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} and XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$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 explanation
Consumer complaint received 2023-10-30
Company: Conduent Incorporated
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had several charges to my account that were larger than the amount in my account and 2 specific charges that I have noticed so far that had gone thru taking all but 10 dollars out of my account. I called the XXXX program ( the company the state automatically sends my child support money thru because I didnt have a bank account at the time ). The woman that took my phone call was rude and impatient. She wouldnt listen to everything I had to say but she canceled my card and asked if I had any questions so I told her I had a lot of questions! I wanted to know if and when I would get my money back or what they could help me do about it. She had no answers for me. She put me on hold and ultimately hung up on me and now everytime I call back I can not talk to a person about my problem. I have tried every option available and the automated system just does not let you thru. It is a joke! So I have no money, no fraud report, no answers and no one helping me figure out how to go about this. This company offers little to no protection over the money they are holding on to for so many people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Effective XX/XX/, XXXX XXXX transferred my mortgage to XXXX Mortgage. I paid my XXXX mortgage payment on XX/XX/XXXX. My TransUnion credit report shows that I have a new account with XXXX and that I have a missed payment with XXXX and that my mortgage balance is now {$1900.00} higher and that I have two mortgages. This lower my score in the double digits. XXXX also shows that I have a 40 year mortgage when I only have a 30 year mortgage. This was reported to TransUnion on XX/XX/XXXX. I need XXXX XXXX to report my account closed, and I need XXXX to correct my mortgage term, my account balance and my mortgage term, and that I don't have a missed payment. I also need my payment reduced. I had an escrow shortage with XXXX XXXX that was spread out over 24 months with a mortgage payment of {$1600.00} that has jumped to {$2100.00}. I am on a fixed income that is net $ XXXX/month. I believe that that, because I have so much equity in my home, they want me to foreclose. A friend of mine won a XXXX XXXX lawsuit against XXXX, which is the parent company of XXXX, due to fraudulent practices and XXXX XXXX has the same practices. XXXX XXXX added {$5000.00} to my balance with no explanation and I can't get to the bottom of this with either lender. Please help me.

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 2023-06-22
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 explanation
Consumer complaint received 2022-11-26
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account Wakefield and Associates with XXXX and XXXX earlier this year and they still fail to verify this account. The account is reporting inaccurately on my consumer report which is unacceptable. Since they have continuosuly ignored my request, this account should be deleted. 

Original Creditor : XXXX XXXX XXXX Third party collector : Wakefield and Associates Amount : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Bread Financial Holdings, Inc.
State: CT
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:
Comenity Bank has been disclosing negative nonpublic personal consumer information to nonaffiliated third party consumer reporting agencies. I did not consent to this and was never provided with the option to opt out of this nonaffiliated third party reporting which I, as a consumer, have a right to do per 15 USC 6802. As such, I am requesting Comenity Bank cease their reporting of account XXXX to all consumer reporting agencies to include XXXX, XXXX, and XXXX, and that the account is removed permanently from all of my consumer reports with all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-12-16
Company: CREDIT CONCEPTS, INC.
State: OR
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Finances used XXXX XXXX XXXX in XX/XX/XXXX. There were problems with vehicle at test drive. Was told by sales person that they would make repairs to vehicle ( transmission and clutch ) the coming weekend. I tried to get vehicle in almost daily for the next 9 months and was given an excuse wash time I asked to bring it in. I was promised by salesman that they would adjust and repair any problems with clutch it transmission the next evening and at latest the coming weekend. I paid on time for 9 months while trying to get car into their repair shop and then one day three cars transmission head internal failed unspecified and broke down was undriveable.. I towed it to repair shop and ward told it needed a new transmission and that the one that was in it was faulty and would have broke down now matter what. I then contacted city auto wholesale to explain and they put me in an old XXXX mold filled case which gave me respiratory distress even with a mask on. My husband is now being garnished for an amount exceeding {$12000.00} XXXX on XXXX loan that was closed at its high if XXXX in XXXX. I had made all payments on time for 10 months. Even 1 ninth after break down and stop making payments when I knew that the cat loot was not going to make it right. They repossessed three car in the 11th ninth after date of financing, sold vast for XXXX at auction to another sector. In their firm ( credit concepts, XXXX XXXX in XXXX of XXXX and stated collection egrets on the original loan admit and note then XXXX interest. They garnished my ostrich in XXXX and none of the garnished XXXX went towards the high balance or interest. Now they have added another another over XXXX interest to the closed account ( XXXX ) in excess of XXXX and are harnessing my husband 's wages for that amount. The account was charged off in XXXX. And closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: FL
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  account number XXXX has violated my rights. 
15 USC section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2.8 It also States a consumer reporting agency can not Furnish a account without my Is written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account Under open in consumer Plan as late payment 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 non-monetary relief
Consumer complaint received 2018-04-30
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a call from someone who would not identify the reason for the call without asking me to provide personal information last week. I received a letter on XX/XX/XXXX that states I have 30 days to dispute the validity of the debt. I sent a letter to dispute the debt on XX/XX/XXXX. On XX/XX/XXXX, less than 30 days from the date of the notice the company reported this invalid debt to the credit agencies. When I called the company the representative told me she could not give me any information and became rude when I asked her about the 30 days I had to send the written dispute. 

This company did not follow FCRA guidelines and reported a debt that is not mine to the credit agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Hello I am coming here today to let it be known that I went sent to capital one a letter notice via certified mail to let them know that they are permitting an unauthorized inquiry on my XXXX credit report. There is an inquiry on my XXXX report which is connected to an existing account that I have with capital one so I do not want that to be affected but there is an inquiry on my XXXX report dated XX/XX/2023 that is not connected to any accounts and that I wish to get wiped off of the report. I already sent capital one a letter of notice and demand for settlement concerning this situation and I wanted the CFPB to be aware of this so they can be alongside me through this journey just in case. Below I have attached the exact same letter I sent to Capital One via certified mail. The tracking number to the certified mail letter is XXXX

Company response to consumer: Closed with explanation