BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: RSI Enterprises, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received multiple communications from RSI Enterprises IncXXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX They keep sending threatening letters to my XXXX XXXX  son who is clearly a XXXX. We do not recognize the debt they are trying to collect ( {$160.00} ) and we have disputed it and told them that they are trying to collect from a minor. They continue to send harassing letters nonetheless - the last one of which is dated XX/XX/2023. 

Please get them to stop harassing my son.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-01
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: Credit inquiries on your report that you don't recognize

Complaint:
This is a complaint against XXXX. The reason why I am writing this complaint is because on my TransUnion, XXXX, and XXXX  credit report on XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

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 2023-09-20
Company: EQUIFAX, INC.
State: AR
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 hope this letter finds you well. I am writing to express my continued concern and dissatisfaction regarding the late opening of accounts with 3 Credit Bureaus. This marks my second attempt to address and rectify this issue, and it is crucial to resolve this matter promptly and efficiently. 

I initially contacted your company on to bring to your attention the delayed opening of my accounts. Despite my efforts and your assurances that the matter would be promptly addressed, the issue remains unresolved. I am disappointed that a second attempt to correct this issue is necessary. 

I kindly request that you take immediate and effective action to investigate and rectify this issue. I expect a prompt response, outlining the specific steps your company will take to address the problem, as well as a clear timeline for the resolution process. Additionally, I suggest reviewing your account opening procedures and streamlining them to prevent similar delays in the future. 

Failure to address this issue satisfactorily may compel me to escalate the matter further by seeking legal remedies and notifying relevant regulatory authorities. pLease assist me to correct the following accounts : XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$51000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: National Healthcare Collections, LLC
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: Account status incorrect

Complaint:
This is from XXXX of XXXX. The insurance was to pay. It had been submitted several times. I also have canceled checks stating this is paid after they had discharged the debt already. 
THIS MEDICAL BILL IS U DER XXXX and is to not be placed on my credit report as of XX/XX/XXXX all medical under XXXX is to be removed. 

Please remove this from my credit report. Its under XXXX and its paid. 

They have also taken steps to remove all medical collections under {$500.00}. This last step went into effect on XX/XX/XXXX, and with this change, its estimated that roughly half of those with medical debt on their reports will have it removed from their credit history. 

If youre one of the millions of Americans with overdue medical bills, you may be able to take steps to ensure this information no longer affects your credit, including your access to employment and housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed a debt from a collection agency called XXXX  XXXX XXXX. The collection was investigated as a result of investigation the collection was deleted. I have the proof of deletion, however couple months later I received a letter from another collection agency called Credence ( excellence beyond Belief ). Stating that I must notify there office within 30days that this debt was disputed. I called to let them know this debt has been investigated and deleted off my credit report. Today XX/XX/19 I received an alert from fico. This collection has reported this debt has mines on XXXX. Bringing my score down 44 points. This is illegal. I do not own no portion of this debt, has been investigated already and disputed and deleted. I have proof on my files. I reported this company for fraud. I would like this fraudulent account deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently review a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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. 


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 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 2023-07-06
Company: National Collection Systems, 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: Account information incorrect

Complaint:
I have already sent the credit bureaus letters asking them to verify the debt on my report. They have stated everything is verified correctly. This is false. My credit reports still show inaccuracies and fraudulent activity. According to the 15 U.S. Code, $ 1681c-2 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 the information is inaccurate. A consumer reporting agency shall block the reporting of any Inaccurate 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. It has been 30 days and they are in violation of this law because I am a victim of identity theft!! Please have them delete these items immediately! I also did not give consent to give any information pertaining to my transactions and experiences. 15 U.S. Code $ 1692c FRAUDULENT & INACCURATE ACCOUNTS : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NATIONAL CREDIT MGMT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
There are multiple problems on my credit and I am attaching a letter to descibe all the problems with it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In reference to SANTANDER CONSUMER USA recent CFPB response dated for XX/XX/XXXX, XXXX SANTANDER CONSUMER USA states that " We have reviewed the account and we are unable to locate communication with you on XX/XX/XXXX. '' Attached to this complaint is all evidence of the correspondence between myself and SANTANDER CONSUMER USA. Please find the XX/XX/XXXX letter USPS certified mailing number XXXX, and this letter was received by SANTANDER CONSUMER USA on XX/XX/XXXX at XXXX. Also Please find the XX/XX/XXXX letter USPS certified mailing number XXXX, and this letter was received by SANTANDER CONSUMER USA on XX/XX/XXXX at XXXX. A copy of the the original receipts from the USPS confirming the proof of mailing and copies of the USPS tracking information confirming the proof receipt from SANTANDER CONSUMER USA has been provided for review for the CFPB and SANTANDER CONSUMER USA as well. SANTANDER CONSUMER USA agreed to terminate the previous agreement with me and to remove the alleged lien on said property : XXXX XXXX XXXX Vin number # XXXX in the XX/XX/XXXX agreement. SANTANDER CONSUMER USA agreed on these term XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Monarch Recovery Holdings, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Monarch Recover Management Inc. 

This company sold a debt I paid. I provided the proof that I paid this and they did not close it. Instead, they sold the debt to another company. I provided proof on XX/XX/2022 that I paid {$760.00} for account XXXX. 
I included copy of the transaction from my credit card and letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: V and H Portfolio
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Recently I received a notification about a collection from Vance & Huffman in the amount of {$1100.00}. I have no knowledge of this debt and nor have I ever received any type of correspondence from them. I logged into my report and found that this company illegally posted a collection account and the original creditor was XXXX, XXXX. I have never heard of nor had an account with either of these XXXX companies. I have never had an account nor any dealings with either of them. I never received a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. I understand that, under the FDCPA guidelines for collection agencies or me to go further with this account, I need ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED in BLUE ink from an XXXX from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. If I would have gotten anything in the mail from Vance & Huffman before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account ever in the mail. They have illegally posted and reported to my credit file file without adhering to the FDCPA laws. This company has broken FCRA and FDCPA laws but reporting a false account to my credit report without informing me through mail, email, phone, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-10-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I sold my home in XX/XX/XXXX and my original loan was sold to SPS Select Portfolio Servicing around XXXX. My loan had an impound account for taxes. When escrow closed there was an overpayment to the impound account and I have been unable to get them to send me the overpayment back. They did send the check but with the wrong name. I called in XXXX XXXX and they requested my drivers license and to this day XX/XX/XXXX they still processed the overpayment. I have called in 6 to 7 times and each time they come up with new reason on why they have not processed the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
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 XXXX XXXX XXXX Account # 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.

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 2023-03-03
Company: Resurgent Capital Services L.P.
State: NJ
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:
I Iam a natural person, Iam a living human being, I have rights under 15 USC 1681. 
I do not recall having accounts with these business please verify -original contract with my signature -creditor information -payment history -proof of ownership Due to this inaccurate accounts my life as been impossible with trying to get a home and vehicle and need to be treated fairly and remove the information that should have never been on my report in the first place XXXX is govern by 15 USC 1681. They have violated my personal rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and never have I given XXXX written permission to furnish these accounts 15 U.S.C 1692C : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX is govern by 15 USC 1681. They have violated my personal rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and never have I given XXXX written permission to furnish these accounts 15 U.S.C 1692C : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Accounts : 1XXXX XXXX XXXX XXXX XXXX & XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX 6XXXX XXXXXXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX- XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXe XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX XXXX- XXXX XXXXXXXX XXXX XXXX- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Paypal Holdings, Inc
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I received a payment for personal property sold and that payment was made via paypal. Paypal held the funds requiring me to submit my SSN for tax withholding. Nevermind that taxes are my responsibility and that there is generally no tax liability when selling personal property outside of a business. 

The fund were held and it said submit your SSN and funds will be released in 15 minutes. It's day 4. My funds are still on hold. I have communicated through multiple channels to paypal and have been told it's an IT issue with no ETA on resolution. No one seems to be able to tell me when this is going to be resolved. If they have a known IT issue why would they not disable the system and why would they still tell me it would be 15 minutes. 

There is no recourse and no one seems to be looking out for the consumers. They have my funds and everyone just says they are doing the best they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX and I am filing this letter because I am a victim of identity theft and have not made the changes on this date XXXX. There are FRAUDULENT ACCOUNTS AND INQUIRIES ON MY ACCOUNT AND I NEED THEM DELETED IMMEDIATELY. I have made my identity theft report to the federal trade commission, CFPB, and BBB. All of the following accounts listed under are fraudulent and going against my CONSUMER RIGHTS BY VIOLATING MY PRIVACY TO MULTIPLE COLLECTION COMPANIES. PLEASE DELETE THIS MISLEADING INFORMATION ASAP!

Company response to consumer: Closed with explanation