BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-14
Company: Altitude Community Law P.C.
State: CO
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:
This law firm is representing a property management company that has to do with our HOA in XXXX XXXX Colorado. They contacted us regarding deliquent HOA fees. I first contacted their law firm at the end of XX/XX/2019, beginning of XX/XX/2019. I have tried to work with this law firm for 2 months now to rectify this bill. I was willing and able to pay the amount owed in full via credit card in XX/XX/2019 but was told they do not accept credit cards, debit cards and even stated the only payment they would accept is money orders and or cashier 's checks. They have asked us to show up in court tomorrow in hopes of filing a judgment against us even though we have been in constant communication and have tried everything to rectify this bill before the court date. They now say that one of their attorney 's has to approve a payment plan, although I'm not sure how this is supposed to work if they claim they'll only accept money orders and or cashier 's checks. It has taken this law firm weeks to come up with a payment plan and again they refuse to vacate the court date. I've spoken with XXXX XXXX ( collection specialist in this law office ) repeatedly via phone and emails and continue to get the run around. I'm assuming to continue to extract more unnecessary attorney fees and interest. This law firm is obviously ill equipped to collect payments for HOA 's and refuse to lawfully work with consumers. Not to mention I have received 2 different statements from them for different amounts so their billing practices are shady at best. I have filed complaints with XXXX, Colorado State Attorney General and Colorado Office of Attorney Regulation Counsel against this law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXXXXXX XXXX XXXX  XXXX Balance : {$39000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$250000.00} XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Someone has been using my name and social security number trying to apply for different accounts

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 2020-01-14
Company: Continental Finance Company, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX assignee of Continental FinanceXXXX MasterCard c/o XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Sent me a false copy of a civil warrant in debt. It contained no case number just company information and a false date and time for court. I checked with the court and no such case exists. I called this company bringing this to their attention and they said they couldn't continue the call and hung up. The debt is valid however they made a threat to sue by providing a forged court warrant.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
If you take a look at the attached documents you will see that the company is reporting the wrong balance amount on my account. 

I want this account deleted and 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 non-monetary relief
Consumer complaint received 2022-11-15
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems Collection Agency contacted me, by sending a letter about a debt I owed to an apartment complex that Id never heard of ( The XXXX XXXX ) on XX/XX/XXXX. I called and inquired, they told me that it was located in a city that Id never rented an apartment in, and they suggested that it was identity theft. So, I contacted my local Sherrifs office, only to find out that the apartment complex didnt exist in the town. So, I XXXX it, and realized that it was an apartment complex that had been renamed. The previous name was as XXXX XXXX XXXXXXXX, and I was on a lease there, that ended on XX/XX/XXXX. When we had our final walkthrough inspection, and turned in the keys upon move out, I didnt owe any money. In the 1 year and 2 weeks between when I moved out, and when I received the collection notice, I had not received any bill, phone call, or otherwise, letting me know that any money was owed. So, with the collection notice, out of the blue, without notice, I do not believe that I owe anything, and believe this collection is not valid. Ive attempted to explain this to both the collection agency and the administration at the XXXX XXXX, and both times have been hung up on. They both refused to show me proof of notice, dates, etc. showing when or what this {$66.00} charge is for. It was reported to all 3 credit bureaus on XX/XX/XXXX, and my score had dropped XXXX points. I believe this is unfair/nefarious/ in error and I dont believe it is owed by me. I would like the debt to removed and dropped from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2023-10-24
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I have made > XXXX qualifying payments, but am only getting credit for XXXX. I resubmitted my XXXX employer verification form on XX/XX/2023 and am still being required to make payments because my form is still being processed. I have tried calling customer service to see if I qualify for forbearance while my form is being processed, but can not get through to customer service due to call-hold times > XXXX hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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:
Im not liable with XXXX XXXX XXXX XXXX XXXX  do not have contact with XXXX XXXX XXXX they did not provide me with the original contract as i requested. XXXX XXXX XXXX XXXX accountXXXXXXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone keeps taking money out of my account illegally

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: MN
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 wrote dispute letters asking for eqifax to show me how they validated the false information they were given they failed to respond to me within 30 days. They did not provide me any proof of the investigation or how they got their information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My wife and I who are XXXX XXXX XXXX XXXX  and XXXX  XXXX  were scammed viciously by a Truist Bank customer. And, Truist Bank System did not protect this from happening! Now they say that our case is closed. We dont want This case closed. We want it current or reopen! 
Thank You Very Much 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 explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: OH
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:
XX/XX/XXXX. 2022 I requested a copy of my Experian credit report ( report # XXXX ). After reviewing my credit report, XXXX XXXX is reporting a late payment. this account should not be reflecting negative in my report and should be removed according to the fair credit reporting act. 15 U.S.C. 1681s-2 ( A ) ( 1 ).

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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXt # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, US Dept of ED Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, US DEPT OF ED Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXXt # 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 Sectio
n 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 non-monetary relief
Consumer complaint received 2020-09-14
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC Systems is reporting on my credit report that I owe them {$59.00} I have never done business with this company IC Systems is saying I owe them {$150.00} I have never done business with this company

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 2023-03-21
Company: CBC Companies, Inc.
State: IN
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 # 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 an account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Cascade CISS Holdings, LLC
State: NY
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:
I sent a letter to a company called XACTUS which is located at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. I have received a letter back stating that XXXX other parties issued the inquiry but those parties are not listed on my credit report in which XACTUS got the inquiry. ( the letter is attached to the document. ) I also explain to show validation of authorization with their response and didn't do so which in this case they should delete this inquiry which wasn't authorized by myself. ( the letter is attached to the document. ). 
XACTUS actually admits to getting this so call inquiry from third parties which are AVANTUS AND XXXX XXXX  XXXX and not an inquiry they obtain or authorized. 
I really hope you help me with this matter which has been undermined by XACTUS by using excuses to justify their cause. hope to hear from you soon, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Experian Information Solutions Inc.
State: OH
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:
I have a some addresses on my report that are not mine. My name is XXXX XXXX. XXXX please remove any other variation. My CURRENT AND ONLY EMPLOYER IS MY company : XXXX XXXX XXXX  (XXXX XXXX) Please remove all other employers I am not affiliated My current and only address is XXXX XXXX XXXX  , XXXX,OH XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXXTHE FOLLOWING PHONE NUMBERS ARE NOT MINE PLEASE DELETE(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 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is TRANSUNIONs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting an inaccurate late payment for the XXXX  XXXX XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2023. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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