BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: LA
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.

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 inructions 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 2021-06-29
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please be advised I have requested validation { not verification } of an item reported to you by Transworld Systems. I have received a response that clearly violates my rights according to HIPAA. 

Transworld Systems Inc did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: V and H Portfolio
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never did business with the Vance and Huffman LLC. They never sent me any notifications via email, mail, text, or phone call. I tried to dispute the debt via XXXX and that was simply a waste of time and I am positive that they did not do a thorough investigation because they would have seen that the debt to XXXX XXXX XXXX was paid in XXXX  in the amount of {$1600.00}. I also tried calling Vance and Huffman LLC directly to dispute the debt of {$3100.00} and was told that they was a third party debt collector who obtain the debt from a company called XXXX XXXX XXXX. I told them that I paid XXXX XXXX XXXX debt totaling {$1600.00} in XXXX  and that I have proof that the account was paid in full on my credit report. Vance and Huffman LLC still reported this debt to my XXXX credit report on XX/XX/XXXXXXXX  in the amount of {$3100.00} which is still negatively affecting my credit as of XX/XX/XXXX. I want it removed as soon as possible from all of my credit reports and to press charges against this company for not notifying me about the debt and falsely reporting such negative item on my credit report and trying to make me pay almost twice that amount. Again Vance and Huffman NEVER contacted me about this debt and reported it directly to my credit report on XX/XX/XXXX. PLEASE HELP ME and thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: CITIBANK, N.A.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been charged with owing money because someone used a credit card issued at Best Buy through Citibank in the amount of more than {$3400.00}. This was from XXXX. I have not had an account with Citibank since the XXXX and have never had an account with Best Buy. I have contacted Citibank and Best Buy, and both have no information about me, but the debt remains on my record. Neither Best Buy nor Citibank is able to do anything else to resolve this issue since they are not able to find me in their system. My ID protection adviser through Costco has asked me to file this 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 non-monetary relief
Consumer complaint received 2021-06-29
Company: Revco Management, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Revco Solutions sending mail to a relative 's address in my name, which is not my mailing address. Company has the mailing address and a debt consolidation company which currently working with. In XX/XX/2021, Revco Solutions sent mail to the correct mailing address in XX/XX/2021 and XX/XX/2021 mail was sent to relative 's address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
On XX/XX/2019 i checked my credit score with TransUnion and i had increased with a 72 points. After i check agian as soon as XX/XX/2019 because i like to keep track of my credit score ... ..So on that date of XX/XX/2019 i decreased 73 pionts, dont understand why? So i wanted to get a anwer from TransUnion as in why i decreased 73 ponits since i havnt dont anything to effect my credit score this way Or if this was a error, if so please correct. 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
Consumer complaint received 2023-10-08
Company: NRA Group, LLC
State: TN
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:
Acc:XXXX To Whom It May Concern : NATIONAL RECOVERY AGENCY FIRST OFF YOU NEVER SENT ME A LETTER SO I CAN DISPUTE THIS DEBT WITH YOU SO THATS YOUR FIRST VIOLATION ITS up to a XXXX per violation and Im coming for you. This letter is being sent Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am, undeniably, the party you are requesting to pay this debt. I am requesting validation of the date of alleged medical service, the name of the patient, and proof that there is some contractual obligation that is binding on me to pay this debt. Please attach copies of : Any agreement with your client that awards you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, concerning unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute but a request to cease and desist all collection activities, including reporting of ; or verifying this account on my credit reports. I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserved the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX, and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of [ name your state ] medical privacy rules. I also, hereby, reserve my right to take private civil action against you to recover damages. 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 2021-06-29
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

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 2024-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
On Tuesday XX/XX/XXXX  I spoke to someone named XXXX XXXX who stated unbeknown to me that there is an active payment plan on my account. 

I was not aware and just called in to get what I was told by representatives XXXX was an approved foreberance from XX/XX/XXXX  until XX/XX/XXXX  explained. 

At which time XXXX XXXX stated there was No something contrary to what representative XXXX stated about the foreberance being approved. Per XXXX XXXX there was no approval for the requested extension from XXXX, XXXX  until XX/XX/. 

As the customer I certainly do not know, but something is very very wrong at Bank of America.

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 2018-04-17
Company: HW Holding, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX HunterWarfeild is alleging that I owe {$770.00} or so the amount keeps changing on my credit report the amount keeps going up. I reached out to this company and asked for a signed contract they sent me back a contract with forged signatures that are not mine. I wrote them a letter to explain that this information is incorrect. Im not satisfied with this being on my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: CITIBANK, N.A.
State: MD
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:
Macy 's reported my credit card had late payments. I never made a late payment and requested written documentation.XXXX I therefore closed the account. I need to have the late removed from credit 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 2019-04-25
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted Equifax multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Equifax in regards to an account listed on my credit report as XXXX XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Equifax, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws,  and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Equifax and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, XXXX was reporting an open date of XX/XX/XXXX for this account however Equifax was reporting that this account was not even placed for collection until XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XX/XX/XXXX and received the same response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On the following dates my credit was run without my permission and knowledge. I did not consent to or authorize nor benefit from any of the following inquires XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX During these times especially between XX/XX/XXXX to now I have been out of my resident state working on XXXX contracts being a frontline worker. I hope this issue can be resolve immediately. I have taken further action to protect my identity and credit profile for the near future.

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 2022-10-13
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had an account with XXXX  opened in XXXX and closed in XXXX. 
Fraudulent charges of {$1200.00} appeared with a collection agency, Southwest Credit Systems, in XXXX of XXXX, which I just saw on my credit report today. They claim this arose from a XXXX XXXX XXXX with my name, and an address I have never been associated with, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX has no information on this account and referred me back to Southwest Credit Systems .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: AR
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:
Do to the epidemic I have been effected and unable to work since XX/XX/XXXX to now XX/XX/XXXX. @ at XXXX point hospitalized, On XX/XX/XXXX I paid my XX/XX/XXXX payment on XX/XX/XXXX and included my {$30.00} late fee a total {$1000.00}, Since XX/XX/XXXX to now PennyMac has been harassing me with phone calls all hours of the day and night as well refuses to recognize my XXXX 's, I tried talking withy them ask for a fortberence/releaf and stop calling me and harassing me as our conversations go no were Quote : they said my account must go basically 90 days in the rear before asking for such, Iam not even 30 days late referring to grace period to grace period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have been disputing with XXXX, Experian, XXXX and other creditors since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments, collections, derogatory marks and accounts that have been charged off. Which are all inaccurate, misleading and misreporting on my consumer report. This is also against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report. 



This is messing with my mode of living, my general reputation and my children 's future as well. THESE CORPORATIONS AND FINANCIAL INSTITUTIONS ARE IN CLEAR VIOLATION OF CONGRESS FEDERAL LAWS. I want any and all negative items ; Old/outdated addresses, late payments, collections and inquires, reporting on my XXXX consumer reported DELTED immediately. In addition, I am requesting a compensation amount of {$5000.00} because my information was breeched! If needed I will take legal actions necessary to heal the damages done to me by XXXX, Experian, XXXX and the other creditors ( Financial Institutions ). 



I have also sent a copy of my consumer reports with every single inaccuracy, misleading and misreporting account highlighted in either pink or orange specifying every single error in my consumer report. 



IF NEEDED I WILL TAKE LEGAL ACTIONS NECESSARY TO HEAL THE DAMAGES DONE TO ME BY XXXX, EXPERIAN, XXXX AND OTHER CREDITORS ( FINANCIAL INSTITUTIONS ) FOR USING, SHARING, BUYING, SELLING, TRADING AND ALSO FOR FAILLING TO PROTECT MY NONPUBLIC PERSONAL INFORMATION ( 15 USC & 6801 ).

an updated consumer report with inaccuracies removed

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 2022-10-13
Company: Experian Information Solutions Inc.
State: NC
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 sent letters out to all XXXX credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or XXXX party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2023-02-09
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation