BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-30
Company: EQUIFAX, INC.
State: NJ
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:
open date XXXX/XXXX/2013 it shows a 30-59 day late on my credit report the car was traded in a month before so the new dealership sent pay off check late have documents to prove the date

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was lost and there was an unidentified charge made to XXXX of XXXX. I disputed it, and I received a chargeback on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My Identity was stolen & they had all my personal information & apparently took out a credit card in my name & rack up a bill. I have told midland Credit Management numerous times it was not me & even sent a FTC report as requested by one of their employee & she said it would be removed when they received it & she gave me the fax # I even had the conversation recorded because each employee will tell you something different depending on their mood that day.I learn to keep prove for my own protection because they lie very easy & simple. I even went as far a to get it notarized because I have not even set my eyes on the card in question. I also ask Midland Credit Management to provide the original documentation which is the signatures of the purchases because I know for a fact it would not match my signature. I was even told by the police department to request the signatures of purchase so they can match it up & prove my identity was stolen. Midland refused to provide the important documents to prove it was not me. They have sent a letter stating ( We have concluded that our information is accurate. Can you imagine a 3 party doing an in House review/Investigation what other answer will they come up with outside of the information is accurate when their job is to collect money for there own personal gain. How can a 3rd party investigate a matter that did not originate from them? The said that they work with the original creditor XXXX XXXX  but yet they are unable to provide any of the original proof of documentation. How can a company tell me that I am not a victim of Identity theft? The main idea of someone stealing your identity is to make it look like you are the one actually doing it! They have all your personal information. I dont think Midland Credit Management understand the meaning of Identity theft & want victims to suffer just so they can make a dollar. I will not pay money for a debt I do not owe under any circumstance. I want to know exactly how they came up with the accuracy of their information? I would like the process that was taken & the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: NY
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to several charge off accounts on my credit report, including the Child Support Enforcement XXXX account, XXXX XXXX XXXXXXXX XXXX account, XXXX XXXX XXXX XXXX account, XXXX XXXXXXXX XXXX account, and XXXX  XXXX account. 

As you can imagine, seeing these derogatory marks on my credit report has been emotionally distressing. I have been struggling financially and have been working hard to improve my credit score, but these charge offs are hindering my progress. 

I would like to dispute these accounts and request that they be removed from my credit report. I understand that I have a legal obligation to pay my debts, but circumstances beyond my control have made it difficult for me to make timely payments. 

I kindly request that you provide me with any documentation or information regarding these accounts, including the original creditor and the date of the last payment made. Additionally, I ask that you investigate these accounts and remove any inaccurate or outdated information from my credit report. 

Thank you for your time and attention to this matter. I hope that we can work together to resolve these issues and improve my credit standing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In regards to Case # XXXX. I found a email I received from XXXX that proves that they criminally used my credit card without my authorization. 

Date Sent : XX/XX/2021 XXXX PM Dear XXXX XXXX, We got your rejection. 
Regarding XXXXXXXX XXXX XXXX, we only charged your per day car rental and tax as part of the package, with no XXXX XXXX for all components. Please note that XXXX XXXX XXXX is a must-have in renting a vehicle. We offered you Trip Protection or XXXX XXXX during booking, and our record shows that you declined. 

At the airport I was told if I have car insurance on my vehicle at home, I do not need to buy insurance for this rental and I denied it again. 

Barclays purposely let this matter go beyond 90 days so that I could not recover {$270.00} fraudelent charge by XXXX. If you search on internet for reviews complaints against XXXX, they have XXXX with most of them unresolved as of today.

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 2023-03-07
Company: Avant Holding Company, Inc.
State: PA
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 report act these creditors violated my rights under 15usc 1681 section 602 states I have a right to privacy 15usc 1681 section 604a section 2 reports a consumer reporting agency can not furnish my acct without my written instructions 15usc 1666b a creditor may not treat a payment on a credit card acct under and open consumer credit plan late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: EQUIFAX, INC.
State: CA
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:
15 U.S.C 1681 Section 602 A States I have rights to privacy.

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

15 U.S.C 1682 Section C without prior consent given directly to the debt collector or the express permission of a court competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Inquiry Removal Due to Unauthorized Access and Fraudulent Activity Dear XXXX Customer Service , I am writing to address certain inquiries on my credit report that I have neither initiated nor authorized. Upon reviewing my credit report, I identified the following unauthorized inquiries : - XXXX XXXX  on XX/XX/XXXX - XXXX XXXX  on XX/XX/XXXX - DEPARTMENT OF EDUCATION on XX/XX/XXXX I believe that these inquiries are fraudulent. Unfortunately, my device was stolen recently, which has led me to suspect that I am a victim of identity theft and fraud. 

In light of this, I wish to bring to your attention the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which stipulates my rights to dispute incomplete or inaccurate information. Under this Act, consumer reporting agencies are required to correct or delete inaccurate, incomplete, or unverifiable information. Moreover, given that these inquiries have the potential to adversely affect my credit standing, it's crucial they be addressed promptly to protect my financial health and well-being. 

Therefore, I kindly request : 1. A thorough investigation of the above-mentioned unauthorized inquiries. 
2. The immediate removal of these inquiries from my credit report.

3. Written confirmation once these inquiries have been removed.

4. Advice on additional steps I should take to ensure my personal and financial information remains secure, in accordance with federal and state consumer protection laws. 

For your convenience, I have enclosed a copy of the sections of my credit report that display these unauthorized inquiries. I stand ready to provide any additional documentation needed to expedite this process. 

I earnestly urge you to treat this matter with the urgency and gravity it demands. My financial reputation and personal identity security are at stake, and I anticipate a resolution in alignment with the timeframe and guidelines set by the Fair Credit Reporting Act ( FCRA ). 


Thank you for your prompt attention to this serious matter. 

Sincerely,

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 2020-01-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON MY XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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 2023-11-29
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Specialized Loan Servicing is attempting to collect a debt that is already canceled. Under UCC 3-601 ( a ) The obligation of a party to pay the instrument is discharged as stated in this Article or by an act or agreement with the party which would discharge an obligation to pay money under a simple contract.

( b ) Discharge of the obligation of a party is not effective against a person acquiring rights of a holder in due course of the instrument without notice of the discharge.

I have legally discharged this debt and provided notice to Specialized Loan Servicing of my doing so. Legally I am not bound to performance as it has been meant under this simple contract. Furthermore if Specialized Loan Servicing is refusing to accept the payment then the debt is automatically discharged. 3-604. DISCHARGE BY CANCELLATION OR RENUNCIATION.

Primary tabs ( a ) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party 's signature, or the addition of words to the instrument indicating discharge, or ( ii ) by agreeing not to sue or otherwise renouncing rights against the party by a signed record.

( b ) Cancellation or striking out of an indorsement pursuant to subsection ( a ) does not affect the status and rights of a party derived from the indorsement.

( c ) As used in this section, " signed, '' with respect to a record that is not a writing, includes the attachment to or logical association with the record of an electronic symbol, sound, or process to or with the record with the present intent to adopt or accept the record.

Specialized Loan Servicing has provided me no value for my financial asset that they are profiting from. The proceeds from my collateral is being used to pay investors and shareholders which should include me as I am the only holder in due course. If Specialized Loan Servicing has evidence as to me truly being indebted I ask they provide it. Not the simple contract but the official bank ledger that would show the debit from the account of Specialized Loan Servicing to me as a credit. This would prove that I am indebted otherwise Specialized Loan Servicing has defrauded me into believing that loaned me something of value and they did not instead they have profited from the exchange of my security,

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 2018-03-26
Company: Debt Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a notice by mail for a medical transportation debt. I haven't been in an ambulance or any medical transportation in over 20 years. 

Received notice XX/XX/18 from Debt Recovery Solutions LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Examine the documents attached. I request the bureau to launch an inquiry into the accounts that wrongly depict me as late, even though I have been punctual with payments.

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 2020-03-25
Company: Northstar Location Services, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Northstar location Services have called me several times over the last month. 
On the first call i requested they not call between XXXX-XXXX  EST for I am at work. They stated they would not call and said they are open till XXXX. 
Several days later I receive a call in afternoon while i am in a meeting with my BOSS! 
He was not pleased to have my phone ringing during our meeting! I called back and again requested they not call me between XXXX-XXXX  and again they stated they are open till XXXX and i said i would try to call back after work. 
Now today XX/XX/25 at approximately XXXX EST i received yet another call while in a meeting with my boss. With whats going on in the world right now and people getting laid off I can not afford to have collection calls during work hours. 
I called back and informed they this is the third time you called while i was at work. The gentlemen stated he can not stop collection efforts, and i mentioned that you cant call during work hours at my request. He simply stated that -well it looks like you keep saying youre going to call back but you never do. It seems like you don't intend to pay. We have options to resolve this debt before we escalate this further!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: RENASANT CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to the merchant about unexplained charges on my account, they then told me to needed to file a dispute with my bank so I did. The dispute charges was denied and reversed from my account, and of course Im livid because I didnt authorize these charges. When unexpected charges or any suspicious, I signed up for text alerts. One time they did it, I said no, it was not me attempting to use my card and they still let the charge go through. I filed for the amounts of : XXXX, XXXX, XXXX, XXXX, XXXX. I want my funds back into my account immediately! Ive heard and saw negative things about how easy someone can just use your card and the customer have to suffer!

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 2022-11-17
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 XXXX XXXX XXXX. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, have violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2017-12-05
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I checked my credit report and found a bankruptcy on the credit bureaus reporting. I called the bankruptcy court to inquire if the bankruptcy court reported the alleged item. The court said they do not call, fax, mail, give out, or report any court information to any credit bureaus. Thus according to FCRA any negative information must be verified accurately. Please remove the alleged bankruptcy item from my credit 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 explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2022-04-10
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX on XX/XX/2017 I tried several times to get this off my credit report from all 3 credit bureaus but to no avail. I will take accountability for my own debt and will pay it off like the records showed but this one is clearly not mine. I have only noticed it recently while I was trying to fix my credit.

Company response to consumer: Closed with explanation