BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX RE : Requesting a Method of Verification Letter Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 

I am very interested to learn how your investigators ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this formal investigation. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 


Very Respectfully, 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 2020-11-04
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of identity theft and have been since XXXX. My social security number was used and is still being used to a person in XXXX XXXX FLorida, This person was able to obtain a drivers license, create credit card accounts, was able to and still is able to rent apartments and even own a business with my SSN. 
I received a debt collection bill indicating that I have not paid the apartment complex. I have never lived in XXXX XXXX Florida. This person also has skipped out on medical bills along with the balance owed to the apartment complex. 
Needless to say I am very bothered by this situation. I contacted National Credit Systems regarding the {$2900.00} outstanding bill that was reported and on my credit report. 
I filled out all of the paperwork requested and necessary to take this off my credit report since it is affecting my scores and my report. 
I sent a 109 page packet that included all information needed as proof that this identity thief has been using my SSN for their identity. I also included a copy of my Social Security card, birth certificate, marriage certificate, copy of driver 's license and IRS documents that have been cleared of my name. 
I reached out to National Credit Systems in XX/XX/XXXX to inquire if they had received my 109 page certified packet. 
Mr. XXXX XXXX the collections manager informed me he would help me, but as of today he has not come through. I called many times just as he requested and encouraged, but I have not received a call back. 
I wanted to know two things : if my package was received by him and if he sent the package to the identity theft department. He has not answered my calls after repeatedly leaving voicemails with him. 
I need the the debt that was not mine to come off my credit report. I feel violated. I also need to know if my sensitive information is at the identity theft department. 
This is unfair and I feel disregarded when indeed nothing has been done on the part of National Credit Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
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:
All three credit bureaus Equifax, XXXX and XXXX override my disputes on fraudulent and inaccurate accounts on my credit report, I have submitted numerous disputes but with no explanation they continue to rule against me. This has destroyed my credit and business and living Oppurtunites. I am in the process of filing a class action lawsuit and will be filing a complaint with the Federal Trade Commission. 
I am a government employee and I had to freeze my credit just to try and protect myself, one case I paid off my home and they decreased my credit score they penalize me for not having a large amount of debt, need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My father passed away XX/XX/XXXX and I am assuming the loan. I have sent in all financials to SPS along with the new deed in my name and homeowners policy in my name per there request. This bank continued to say the deed was not sealed when it is public record. My attorney even wrote to them and spoke to them. They keep giving me the run around and the loan is accruing interest. I want to start to making payments. This has gone on for too long! I even have a applied for ERMA through the State of NJ since the house in XXXX. SPS told me it would take 30 days! It is now XXXX! We submitted on XX/XX/XXXX the deed with my name! What is the problem? I am XXXX and this is my primary residence! I have conformation from SPS the the packet was complete! I have no terms! This is the worst bank! My house is worth more than the loan! I have a lawyer XXXX XXXX and will file complaints against them if you do not get involved. No one knows what they are doing in this company. Underwriting should not take this long. They are violating my rights and charging me more money every day. That is completely wrong! This file should of been done months ago! I call every other day and email and no one has answers. This is poor customer relations and a bank poorly ran! 
Maybe our local TV station consumer reports would like to investigate their banking practices. They have many and should be fined!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: CITIBANK, N.A.
State: DC
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:
On XX/XX/XXXX Sears/CBNA reported to XXXX following an alleged investigation I failed to pay {$3300.00} for an account charged off over 3 years ago. On XX/XX/XXXX I received an alert from XXXX   about new information updated on my reports that requires my attention. When I checked my credit score it reduced 6 points less than 3 days from Sears update reported. Sears did not refuse the lump sum payment received to settle account prior to closing in XX/XX/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 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 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 2021-01-03
Company: TRANSWORLD SYSTEMS INC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The week of XX/XX/2020 I rented a vehicle with XXXX XXXX from their XXXX XXXX office. The amount of the rental according to the reservation was {$290.00}. However, without disclosing the extra fee, the clerk added an extra driver ( who never drove the car ). She tacked on the surcharge of {$100.00} without showing me the charges or offering me a receipt. I never signed for these charges nor saw a receipt until returning the vehicle. Upon inspecting the document XXXX claims I allegedly signed, the signature does not match any known signature of mine. I was suspicious that XXXX XXXX XXXX had engaged in fraudulent activity and contacted my credit card, XXXX, to partially dispute the charge ( I was happy to pay the amount for which I had reserved the vehicle ). I sent documents showing that my signature did not match on the higher charge as well as photographs of the paper receipt I was given ( the only docuemtn ) showing the original charge of {$290.00}. XXXX agreed that this activity was duplicitous and partially charged back the fee. 

XXXX requested payment for the remaining amount in early XXXX. Using the FTC 's suggested letter for disputing a charge and seeking an investigation, I wrote a letter and provided documentation as I did in the XXXX dispute. This letter and packet of information was mailed via certified mail to XXXX 's billing department on XX/XX/2020, for which I have a receipt. I never received a response from XXXX via mail as I believe is required by the FTC. Instead, I received notice in a letter dated XX/XX/2020 that XXXX had sent the debt to be collected by XXXX Debt Collection agency, having not sent the required response to me concerning my right to investigate the debt and fraudulent activity I reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
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:
On XX/XX/21, I got an email that my sim-card of my cell phone was changed in California, as I am currently in and live in New York. My cell phone then immediately didnt work there after. 
I then checked my bank account soon after and two large withdrawals were made at my bank, Chase of approx. {$3000.00}. I then immediately called chase and couldnt speak to anyone important. All they could say was it was an ATM withdrawal, therefore someone created a new card and withdrew money fraudulently. 
Chase wont be available until Monday as it is late Saturday night. Spoke with so many representatives and they couldnt do anything ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: GA
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 this creditor has violated my rights under 15 U.S.C.1681 section 602 states that I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions, under 15 U.S.C. 1666B a creditor may not treat a payment on a credit card account under an open and 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 explanation
Consumer complaint received 2023-05-23
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: Personal information incorrect

Complaint:
Experian has an address associated with my account the I dont live and has never lived. 
XXXX XXXX XXXX XXXX, GA 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 2021-01-02
Company: TrueAccord Corp.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am requesting validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I am requesting Validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay TrueAccord credit collector.

I also request TrueAcoord a formal notice that your claims are disputed and cease communicating with me.

TrueAcoord is sent an email several times after I request the cease all communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: DE
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: ENCORE CAPITAL GROUP INC.
State: KY
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 multiple reports of trying to reach out to these companies and try to settle and/ or have these removed. Creditor : XXXX XXXX  sent me to a third party XXXX XXXX and they are trying to get {$380.00} from me but they were already paid and removed from my report by a debt condsolidation company. All of these have been disputed with the debt consolidation company and they were resolved yet they have not been removed off of my credit report. I am asking to have these collections removed. Midland credit, XXXX bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX midland credit XXXX XXXX XXXX  )XXXX XXXX XXXX, midland ( XXXX XXXX XXXX 

These are all listed on my credit report as paid but charged off. This is wrong as an account can not be listed as charged-off and paid on my credit report the remark is incorrect and I would like to have it removed. I have been sending them letters since XX/XX/2023 with the latest letters being sent on XX/XX/2023 and have given them all enough time to get these removed without having to get you involved but it is not working and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Mid-America Accounts Control Bureau, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Collection agency tried to collect dept, I informed them in writing that I dont own the dept and have no knowledge of it. Instead of providing proof of debt, collection agency placed a negative report in to the XXXX. When I called XXXX  to dispute it, exactly the same item was placed second time, which XXXX informed me that collection agency did it. Collection agency failed to inform me about its intentions to place negative record in my report which is agains low.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: GA
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. 

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 my written instructions. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized used of my credit report. 

Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: FL
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:
I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be.

available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters.

from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
cease and desist. you are spreading false information on me and i have suffered real damages and harassment based on your fraudulent reporting. i don't want any XXXX credit and i don't want anything to do with your company or your XXXX processes. stop spying on me and tracking me full stop. im done. leave me the XXXX alone. delete me from your system.

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 2022-12-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I live in PA. Someone with the same name or just used my name, opened an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They used my SSN to open the account sometime around XX/XX/2022 in XXXX Illinois. By XXXX, {$2900.00} was owned on the account. On XX/XX/XXXX, I received an email alert that at Potentially Negative- Major Derogatory appeared on my credit report. I immediately disputed it on Experian, and I contacted XXXX XXXX XXXX XXXX XXXX XXXX to inform them that it was fraudulently opened under my name and SSN. They said it was actually above {$3000.00} at this point. Then I called Experian and we decided to close the dispute and report it as fraud. I received a letter from the collection agency on XX/XX/XXXX along with some of the bills that were sent to the Illinois address. I wasn't quite sure what they said in the letter. So, I contacted them again and they said we were all good. It seems like Experian agrees. I continue to see the collection on my credit report. I keep disputing that hoping to have it removed. It was fraud but yet it continues to hurt my credit rating. Is there any way to have it 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