BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/22 I received a notice from XXXX XXXX  that there was a collection notice on my credit report ( this was shortly after my XXXX check was declined when I attempted to purchase my XXXX XXXX XXXX, I have a XXXX XXXX in XXXX states, so i was already working with the XXXX XXXX XXXX XXXX XXXX XXXX  ). I immediately pulled my credit report to find that there indeed was a collection 's notice from Transworld Systems Inc. I disputed it and received on XX/XX/22 a letter from them indicating that I owed {$550.00} to their client XXXX XXXX for utility services under my name at " XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I contacted XXXX and advised them that i had never lived at this address and the debt was not mine. They were very unprofessional and argumentative. I asked what I could send to them to prove this. They agreed that if I sent them a utility bill for where I live for the month in question that would suffice and provided me an email address. I sent them my XXXX XXXX XXXX for the month prior, in question, and following, and requested a response in XXXX  days. In the meantime, I reviewed my credit report further with a XXXX XXXX XXXX XXXX had reported to the FTC the year prior fraudulent XXXX claims in my name and had not heard anything since then. I discovered that this XXXX  address appeared on my credit report as did an inaccurate social security number of XXXX ( mine is XXXX ). I wrote to the credit agencies and copied the XXXX on these letters as well to advise of the continued inaccuracies. Today XX/XX/22, I contacted TSI to request a status on my previous contact and the documents I provided. I was told " we verified this is your bill, you need to pay it, stop trying to avoid your responsibility ''. I told them they'd hear from my lawyer and then hung up. I suppose since they are based out of this country they do not care... I took it upon myself to contact XXXX XXXX directly. I spoke with XXXX who opened a case for me # XXXX and asked me to email all of my documentation including utility bills to XXXX. Following this I received a call from XXXX who also advised that I needed to submit with this paperwork a copy of a police report and my report to the FTC. I have visited my local XXXX and it will take a couple days to receive that report and I am now filing yet another claim of identity fraud with you. I'd like to know at what point I as the consumer can feel protected. And yes my credit has been locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a complaint in to Equifax, because I am a victim of identity theft. in response to Equifax, I am not a credit repair company, I am a person that has the right to utilize the CFPB which is what I am doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
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: Information belongs to someone else

Complaint:
I was alerted by a credit monitoring service of a hard inquiry made on my profile in an attempt to open a credit account on my name. Th inquiry was made on XX/XX/2021 from XXXX. 
I tried speaking with XXXX but was ultimately disconnected. I called trans union & the advised me to file this complaint. Please note this was unauthorized & fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: MI
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'm making this complaint to alert you that I was a victim of identity theft. I researched how to remove the fraudulent accounts from my report and discovered that I needed to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and that Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report per FCRA section 605b. Please see the ATTACHED materials for assistance in preventing the incorrect information that is being uploaded to my report. The following is a list of objects that do not belong to me and were opened without my consent. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX Balance XXXX {$1200.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX Balance : {$1800.00} XXXX & XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$7200.00} XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. 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.

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 2021-10-06
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PROFESSIONAL BUREAU OF COLLECTIONS reported to the credit agency on an account before making any contact with me upon receipt of the account. Per the Fair reporting Act ( FCRA ), PROFESSIONAL BUREAU OF COLLECTIONS should have contacted me first to give me a chance to address this account prior to taking derogatory actions with the credit reporting agencies under their name. During a recent phone conversation, a PROFESSIONAL BUREAU OF COLLECTIONS employee screamed at me that I owed {$630.00} to XXXX XXXX for XXXX services rendered in XXXX of 2020, which is an error. Without confirming the facts, The PROFESSIONAL BUREAU OF COLLECTIONS employee threatened me by saying he was going to place this claimed amount on my credit report and that it would reflect negatively on my credit history. 
On XXXX at XXXX XXXX, XXXX XXXX  Charged me {$630.00} for the services and this was amount was paid in full via my XXXX  Credit Card ( see attached XXXX invoice ). The attached receipt shows this charge, the payment, and a {$0.00} balance after the payment was made. I do not owe XXXX XXXX the said amount, that is an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Resurgent Capital Services L.P.
State: MA
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:
What's the method used to verify this account? Please delete this account as it's in violation. Also, a collection account is by default of identity theft and therefore it can not be reported with collection/charge off. Please delete immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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:
What's the method used to verify this account? Please delete this account as it's in violation. Also, a collection account is by default of identity theft and therefore it can not be reported with collection/charge off. Please delete immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: TX
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:
The company points out in a prior complaint a settlement and the details of the settlement but fails to acknowledge that the account turns to income once charged off. The account was charged off on XX/XX/XXXX. After the settlement balance was paid there was a XXXX issued XX/XX/XXXX with a discharged balance of XXXX that is required by law to be reported to the IRS as income by the consumer. The account status is no longer debt but INCOME. Reporting this account as anything other than income after the the company has charged off the account is inaccurate and income DOES NOT get reported on a consumer report which is why the account needs to be deleted. XXXX XXXX was relieved of the tax burden with this account and the tax burden then placed on the consumer when charged off. There's also case law to back up what I've just stated. XXXX XXXX XXXX v. Nicholas, Amtrust Bank v. Fossett. I've been very direct in pointing out how the company has violated the FCRA. At this point the company is willfully non compliant given I have put them on notice prior to this complaint. Under 15 usc 1681n XXXX XXXX can be held for civil liability for willful non compliance. Delete the account from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: FIRST CITIZENS BANCSHARES, INC.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We are a C Corporate in Delaware. 

We have a bank account with Silicon Valley Bank, recently acquired by XXXX XXXX XXXX XXXX XXXX. 

We have three accounts with this bank, one in USD and one in EUR, and one in GBP. 

Right now ( today is XX/XX/XXXX ) and since XX/XX/XXXX and all the time between we are UNABLE to conduct : - Foreign Currency Exchange operations- Outgoing Wire Transfer using the currency accounts in EUR nor GBP I have been on the line multiple time with the bank support and they have been UNABLE to provide me with any realistic timeline or even a reason for these outgoing wire transfers in currencies ( EUR and GBP ). 

I have been told multiple times simply to wait for an unknown time without any roadmap or timeline. 

We are a small business and for us, it's a life-and-death situation. What makes this even worse we're not even given any explanation why they have suspended both the Foreign Exchange Services and Outgoing Currency Account ( EUR / GBP ) Wire Transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX, XXXX, equifax, are in violation of the FCRA and i can consider their violation an act of identity theft. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY. You have violated my privacy which can be considered identity theft. You do not have a permissible purpose to furnish my consumer report. I did not give you any written instruction to do so. This is also a violation Under the FCRA, 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of reports. They are reporting a dismissed Bankuptcy on my credit report. I am aware that XXXX receive information from a third party verification system known as a pacer system and then sells this information to other collection agencies. The Pacer system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. 
Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-12-10
Company: EQUIFAX, INC.
State: GA
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 writing to exercise my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and hereby request to opt out of any and all authorization for inquiries on my credit report, except those that fall under permissible purposes as defined by the FCRA. 
According to the FCRA, permissible purposes include specific categories for which entities can access and use consumer credit information. However, I am revoking any consent that may have allowed you or any authorized entities to access my credit report for purposes other than those permissible under the FCRA. 

For the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
To whom this may concern, I have tried multiple times to fix the inaccurate personal information that's on my credit report and this bureau refuses to remove the inaccurate. I have attached proof of address and name with my drivers license and home of record. This has not changed. I will attach dispute paper with accounts that are reporting inaccurately.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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