BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-25
Company: Linebarger Goggan Blair & Sampson LLP
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
*On XX/XX/XXXX I received a collection notice from Linebarger Goggan Blair and Simpson LLP ( LGBS ) in an attempt to collect a debt on behalf of XXXX XXXX. The notice was dated XX/XX/XXXX and the account number on the notice is # XXXX. The debit is in the amount of {$46.00} ; *On XX/XX/XXXX I contacted LGBS by telephone to explain that the transponder was returned to XXXX XXXX   XXXX in XX/XX/XXXX when I sold my vehicle ( and did not purchase a replacement vehicle so I had no need for a transponder ). I explained that the transponder was returned and did not owe any fees related to it. The individual I spoke with stated that I needed to dispute the debt in writing by sending a letter to LGBS which I did on XX/XX/XXXX ( letter uploaded ). In that letter I indicated I was disputing the claim as the transponder had already been returned and I requested a transaction history showing the charges that were assessed after the return of the transponder. 

*I was never provided with any information about the disputed debt by LGBS or XXXX XXXX however, I received an invoice from XXXX XXXX dated XX/XX/XXXX. On XX/XX/XXXX I wrote yet another letter to LGBS ( also attached ) that I disputed the debt and I was again disputing the debt until I was provided with irrefutable documentation to support the collection claim ( which would not exist as I returned the transponder in XX/XX/XXXX ). In that letter I stated that if the matter was not resolved in accordance with the Fair Debt Collection Practices Act I would escalate this issue to a regulatory agency. Again, I never received a response to my letter disputing the debt for a second time. 

*Yesterday ( XX/XX/XXXX ) I received a SECOND NOTICE from LGBS regarding the debt. Ironically, the Notice states, " You have failed to respond to our correspondence and we are assuming this debit is valid ''. In actuality, I responded three times to dispute the debt ; a telephone call on XX/XX/XXXX followed by a letter date that same day as well as another letter dated XX/XX/XXXX. 

*I strongly believe that LGBS should be fined for non-compliance with the FDCPA due to their careless disregard of the Act and my rights under the Act. If they are doing this to me, they are obviously taking the same tactics with other consumers many of whom may not know their rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: EQUIFAX, INC.
State: IN
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 have been contacting and sending documentation to the 3 credit bureaus for over a year now about my credit report and how things are not correct on all 3 bureaus. They keep giving me the runaround and not fixing the problem which they are supposed to do by law. I am in distress and I am suffering physically because my life is getting worse. I need you to step in and enforce the law. Help me please!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I can currently 5 payments behind XXXX XXXX, XXXX, XXXX, XXXX XXXX stated they send payment XXXX of every month but no payments are being applied to my account as I was awards XXXX payment assistance from XXXX program.my Loan was transferred from XXXX  to shellpoint mortgage XX/XX/2022 and I know it take 60 days for loan to update however that 60 day will be up in 3weeks and I have seen no progress with payments being posted please help me with this problem on my account. I also updated XXXX to send all payment to my new mortgage company shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2021, I sent a complaint AGAINST EARLY WARNING SERVICES , LLC in regards the mailing this company is sending to me IS ALWAYS LOST. I REQUESTED EARLY WARNING SERVICES , LLC SEND ME CERTIFIED MAIL IN ORDER TO AVOID " THE LOSING MAIL '', WHICH IS STOPPING MY CASES BE CLOSED LEGALLY. TODAY I CALLED TO EARLY WARNING SERVICES , LLC WITH AGENT CRISTAL, AND SHE TOLD ME THAT EARLY WARNING SERVICES, WILL NOT ANSWER ME ANY OF MY DISPUTES, DESPITE THE FRAME TIME THE BANKS HAVE TO ANSWER ME IS OVER, SHE ALSO TOLD ME THAT EARLY WARNING SENT ME YESTEDRDAY XX/XX/2021 A CORRESPONDENCE THAT I HAVE TO ANSWER IN ORDER TO CONTINUE WITH MY DISPUTES TO THE FRAUDULENT STATEMENTS AND REPORTS THE BANKS ARE MAKING TO MY PERSON. I REQUESTED THE TRACKING NUMBER OF THE MAIL SENT ON XX/XX/2021, AND SHE TOLD ME THAT THEY WILL NOT SEND CERTIFIED MAIL TO ME. I ASKED HER TO ASK ME BY PHONE WHAT IS WHAT THEY NEED IN ORDER TO ANSWER MY DISPUTES, AND SHE TOLD ME THAT SHE WOULD NOT TELL ME ANYTHING BY PHONE. I COMPLAINT FROM EARLY WARNING SERVICES , LLC FOR THE SUSPICIOUS ACTIVITY THEY CREATE IN ORDER TO AVOID TO CLOSE MY REPORTS LEGALLY. IT APPEARS EARLY WARNING SERVICES , LLC ARE COVERING UP THE BANKS IN ORDER TO CONTINUE A HATE CRIME FROM BANKS THAT ARE WRITING AND REPORTING MY ACCOUNTS AND MY PERSON FRAUDULENTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Experian Information Solutions Inc.
State: CA
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:
Please reference previous complaint # XXXX. Experian has tried stall tactics to not be in compliant with the FCRA section 602. They received a letter from XX/XX/XXXX. They claim they received XX/XX/XXXX, 20 days later than the dated letter. 
Referencing the # XXXX they claim now that they need permission to proceed with my complaint! Why? There is not a security freeze on my account and if so they placed this freeze without my consent or any action on my part. 
Please provide proof if that is the case. They will use this as in indication that they have move time to investigate thus extending the 30 days!!

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 2023-08-02
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acct Name Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02
Company: EQUIFAX, INC.
State: MA
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:
My federal student loan servicer XXXX sent me a notice dated XX/XX/XXXX XXXX  that states the following student loans were forgiven based on review of TEPSLF application. I have attached copy of notice that details that I satisfied loan obligations for loan sequence XXXX and XXXX Under loan program DLUCNS for amounts {$93000.00} and {$15000.00}. Please reflect the student loan discharge on my credit file from all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: PA
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 am a victim of identity theft that creditors are reporting on my credit report after numerous of times trying to fix the false debt on my credit report from XX/XX/XXXX to XX/XX/XXXX i have called and spoke to fraudulent departments i have disputed information i have sent letters i have contacted original companies also.i filed police reports multiple times and summited information. I filed complaints through CFPB over the years also for help and followed the guidelines for identity theft for recovery non has been granted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25
Company: EOS Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, received a Notice of Collection Placement from EOS CCA, XXXX. XXXX XXXX, XXXX, MA XXXX that I owed XXXX {$51.00}. I had closed my XXXX account in XX/XX/XXXX and the company ended up sending me back a refund, which I received in XX/XX/XXXX. I called EOS CCA and they told me I owed the money and I told them that was incorrect because XXXX owed me money when I closed the account and they paid me the amount of {$51.00}. The lady told me to call XXXX and gave me my XXXX account number ( XXXX ). I called XXXX, was on hold for over 45 minutes until XXXX, the XXXX account representative answered the phone. XXXX was very helpful. He told me that the account was closed and that there was a XXXX balance. He could find no instance where my account was sent to a collection agency. 
But just to be safe, he sent me to XXXX 's Finance Department, which I had to wait on the phone another 30 minutes, but XXXX waited with me, before anyone answered. My call was answered by XXXX, who told me my account was closed and that XXXX had sent me my refund of {$51.00} when my account closed in XX/XX/XXXX and the check sent to me in XX/XX/XXXX. XXXX told me that XXXX never sent my account to a collection agency and that EOS CCA 's Notice was fraudulent and not to give them any personal information because they were trying to steal my identity. I called EOS CCA back and told them that XXXX told me their letter was fraudulent and they they never sent my account to a collection agency and a manager told me if I didn't pay they would ruin my credit. I felt like I was being threatened to pay this collection agency or they would intentionally ruin my credit. 

I called back XXXX after this to get someone to help me and waited on hold again for 45 minutes before XXXX picked up the phone. He was very rude and told me I had a XXXX balance and if I wanted to clear up the issue I had to file a dispute claim with XXXX or no one would help me. I got off the phone with XXXX and I sent a dispute letter to XXXX asking them to clear up the matter of the collection Notice ( I also sent them a copy of the collection notice ). 

I am afraid this collection agency is trying to get money out of me that I don't owe and steal my identity. Even though I sent a dispute notice to XXXX, I am not sure they will do anything because they said they never put me into collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
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. I told the XXXX, Transunion, and XXXX to reinvestigate these 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 XXXXXXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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.

Also these reporting agencies are not in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. 

Furthermore, I never gave written consent to have ANY of these accounts on my personal credit report. 

I request these accounts be deleted 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 2021-04-16
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
I disputed an account that was incorrectly reporting on Experian, the only bureau that the creditor, XXXX XXXX reports to. 

The account with XXXX XXXX was closed with a final payment made XX/XX/XXXX. In XXXX, XXXX I saw that there were charge offs reporting for XXXX and XXXX so I made the initial phone call to XXXX XXXX to ask them to correct this. I was told to dispute with Experian so I disputed with Experian and included the notice from XXXX showing my account was settled and closed. 

On XX/XX/XXXX I received a notification from Experian that my dispute was completed and the account was updated. I checked the account and saw XXXX, XXXX and XXXX were now marked in good standing and shows a charge off for XXXX. This is now costing me 8 points on my FICO score due to incorrect reporting by Experian. I contacted XXXX XXXX to again ask them to correct their records and report back to Experian and was told that XXXX has not been reporting since the final payment had been made and this is an error that Experian needs to correct. 

I have provided the payoff notice for the second time to Experian, who confirmed on XX/XX/XXXX they have received from the document upload option on their website. I was told the process will take another 30 days. I can not afford to wait this length of time for the records to be corrected and gain points back that I should not have lost, as I am in the process of getting ready to take on a mortgage. 

Due to the several inconveniences caused by Experian, I believe this account should be removed from my report for compensation based on the negligence of this bureau.

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 2023-08-03
Company: EQUIFAX, 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:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 
I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I requested information from this company to be sent to me and they have failed to do so. 
They have sent false information the the credit bureaus that damaged my credit. They have fabricated addresses and added them to my credit report which are not mine and the credit bureau refuses to remove them. This company has lied and stated on my credit report that this account is open as of XXXXXXXX  and has a balance of {$960.00}. Per the laws of the FCRA, this is illegal. I called XXXX and their company has been sold and they are not in business anymore. therefore, I do not owe the company SOURCE RECEIVABLES MANAGEMENT and have asked them to validate this debt in writing to me. They have failed to do so. I HAVE ASKED THEM TO PROVE TO ME THAT I OWE THE A DEBT!

Company response to consumer: Closed with explanation