BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is 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. 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.

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 2021-02-12
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV Funding has been calling over and over. Also threatening to take me to court. I told them on several occasions I have never had a capital one card. Im over XXXX years old what do I need with a credit card. This is FRAUD! I want this to stop and removed from my credit file. Especially XXXX credit report. This harassment is against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX CT IL XXXX Bankruptcy XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX Bankruptcy XXXX XXXX XXXX bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In late XXXX or Early XXXX i received a notification regarding my XXXX  account, Ability Recovery Services has listed an account on my reports. XXXX XXXX XXXX XXXX i called them and spoke with a agent there i let him know this account was previously removed due to being within my Bankruptcy XXXX XXXX. This information was also listed under the account information under my XXXX account. 

The agent stated I do not see you under Bankruptcy and demanded i send him my bankruptcy documents. 

I do not have those documents on hand and with the XXXX effecting the courts it would be difficult for me to get them in a timely manner. At that point i called XXXX   and the agent there, seen the Bankruptcy status on the account as well and submitted a dispute. 

The account was removed from XXXX. 

XXXX XX/XX/XXXX i checked my XXXX report and it is listed on this report still, after i have submitted a dispute. This account was removed from all reports previously Ability Recovery Services XXXX XXXX XXXX {$820.00} Account Opened XXXX XXXX Account Updated XXXX XXXX This credit agency is reporting false information, they are literally putting false dates in order to collect funds again for accounts that are closed. This is hurting my credit. i am in the process of becoming a mortgage broker and striving to repair my credit but this company is making it hard. 

Please investigate and help ASAP

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 2020-06-06
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have requested my PayPal account be closed, however they will not do so unless I upload financial statements and my ID. 

I have never used this account, but I have linked a credit card and bank account to it and I no longer want them to have my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I requested that the inquiries be immediately deleted, I did not authorize any of the companies to run my credit

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 2022-05-16
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with a client to try and get a loan modification for about a year and a half and the company ( XXXX  ) has confirmed receiving documents and then retract the confirmation a few days later. They have asked documents that were already in their system and was confirmed to had been in their system by multiple representatives. They have requested documents that a client would only receive once a year monthly claiming the document expired and was needed with a most recent date i.e. food stamps letter, divorce decree and affidavit. At one point ( XX/XX/XXXX ) I was told that the application was under review and completed with no additional documents needed only to call back on ( XX/XX/XXXX ) to be told that the application needed to be resent. There are multiple dates of interaction with this company and me sending duplicates of documentation. The latest experience was when I called XX/XX/XXXX and was told that the application was under final review and to call back the following week. I was also told all documents requested were received and the application was complete. When I called back the next week I found out the case was closed because the underwriter did not receive the requested documents. The representative looking into the file seen that there were contradicting notes and the documents were there and accepted prior to the close date. She asked me to just send in an updated Financial Form and the case would just be reopened. I did that and the documents sat in imaging for almost two weeks. When I spoke to someone else that put in a request to have the case changed to someone else and to have the file escalated. The " escalation '' representative stated that though she believes and I quote " you guys are being giving the runaround '' because she was able to confirm everything I said to her, that she has to go by what the underwriter told her and we needed to submit a new application. I asked why don't they use the application that is sitting in imaging since it is a new application. She had no answer. I have resubmitted everything and once again they claim they got the application but not supporting documents which everything was sent together. They are also requesting for the application again even though they have it and have opened a case with it. I have more dates with more issues the list continues. This has been going on for too long. We just would like to have a solution to help my client out, but we want to make sure that things are being done properly. They even force place insurance on my client when she had insurance and the documents were sent to them and I also sent them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I already have a complaint file on Wells Fargo Mortgage. Today I received a call at XXXX my time. The call was from Wells Fargo Mortgage and the representative gave his name as XXXX XXXX. The phone number the call came from was XXXX and his ext. no. is XXXX. I was very disturbed by the call. He kept interrupting me, told me I didn't know about the process and that he was going to educate me. He was demeaning and condescending. I felt like he called to try and bully me and I'm XXXX so I felt like this was abuse and not information. When I asked to speak to a supervisor he told me he didn't have one available. I told him he was out of line and that I would file another complaint about Wells Fargo and him. He told me not to waste my time because the cfpb wouldn't do anything except send the complaint to him and Wells Fargo. I told him about all the different information I had gotten from Wells Fargo so I wanted to make sure that when I got my principle down to the 78 % the HUD mortgage insurance payments would stop at that time. He then told me that I might have to pay another month or two until HUD could be notified. I told him I had better have the {$180.00} taken off my mortgage when I reached the 78 %. I am retired and so that much money is a lot to me.

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 2023-01-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX Bank incorrectly opened a credit card and bank checking account on my behalf. The bank had my information as part of its acquisition of XXXX 's retail bank, however, I had closed and paid off all accounts with XXXX prior to the acquisition. 

XXXX  claims that I owe them XXXX dollars in credit card fees. They never contacted me about this, and I only learned of the opened accounts when I applied for a mortgage at XXXX. XXXX informed me that there was a charge off from XXXX for XXXX dollars. 

Even if XXXX incorrectly closed my accounts, there is no way that I could have know that I owed XXXX dollars to 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 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 Have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX  XXXX {$4200.00}

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 2022-03-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: UT
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 requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2022-03-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act 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 2023-02-24
Company: Experian Information Solutions Inc.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: JPMORGAN CHASE & CO.
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, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have a Judgement against me by XXXX XXXX. 

Recently XXXX XXXX in the case submitted Documents regarding the sale and transfer of the debt from several prior owners. ( See attachments ). 

In each of these Bill of Sales there was not one instance where there was any information submitted that specifically names the debtor. It mentions files being attached regarding each sale and transfer but there was nothing Consumer specific listed in any of these Bills of Sale, etc. 

According to the Consent Order that XXXX XXXX agreed to on XX/XX/2015 on pages XXXX thru XXXX under the Subheading : PROHIBITION AGAINST THREATENING OR FILING COLLECTION LAWSUITS WITHOUT AN INTENT TO PROVE THE DEBT, IF CONTESTED : Encore, which is XXXX XXXX parent company, is permanently restrained and prohibited from initiating a Legal Collection lawsuit unless in possession of Original Account Level Documentation which must contain the following : " A Bill of Sale documenting the transfer of ownership of the debt which must include a specific reference to the particular debt being collected upon. '' Again, as you will note in the attachments there were never any specific reference in these Bills of Sale to the debt being collected on. 

On page XXXX item XXXX of the consent order that XXXX XXXX agreed too it also states : For the Dispute Affidavit Lawsuit Debt that has yet to be collected ... Encore must within 90 days of the Effective Date of the consent order being issued : a ) Withdraw, dismiss or terminate all pending Dispute Affidavits Lawsuits, b ) Release or move to vacate all Judgements obtained during the Relevant Period regarding Dispute Affidavit Lawsuits ; c ) Cease post-Judgement enforcement activities and cease accepting settlement payments related to any Dispute Affidavit Lawsuits. 

As you can see XXXX XXXX has again violated the terms of this consent order. 

I recently lost this case in court having pointed out to the Plaintiff regarding the need for account specific information in the Bills of Sale in court, yet no acknowledgment was ever given on it. 

As I stated this debt is not mine and still dispute it. 

The Plaintiff began garnishing my wages on the Judgement recently so a speedy resolution to this would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: The Receivable Management Services LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Our company received an invoice from XXXX XXXX in XXXX of XXXX regarding an alleged re-delivery charge for a pallet sent to us by a vendor in XXXX of XXXX. We reached out to XXXX XXXX at that time for more information and were told their driver noted they attempted delivery to our warehouse in XXXX but we were closed for business and they were unable to deliver the load. 

I informed them that was a false claim and we were absolutely open for business during our listed hours of XXXX. Additionally, I have provided video evidence from our surveillance system to their XXXX XXXX department proving without question we were open for business and their driver 's claim was an outright lie. 

The re-delivery charge listed is {$600.00}. This week I received a letter from a " collection '' agency named The Receivable Management Services LLC with a demand amount of {$25000.00}, referencing the XXXXXXXX XXXX balance information but adding a fee of over {$24000.00}.

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