BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-26
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, XXXX XXXX was sent a debt validation letter. A copy of this letter has been provided for reference. The letter was sent official certified mail. 
On XX/XX/XXXX, I received a response from XXXX XXXX regarding my request for debt verification. Within the response from XXXX XXXX it provided a letter from " Comenity Bank '', the alleged original debtor '', that " XXXX XXXX, XXXX. is entitled to pursue the collection activities and other legal remedies to collect the " unpaid balance '' on your charged-off accounts. ". The letter from the alleged original debtor " Comenity Bank '' was dated back XX/XX/XXXX. Said correspondence was alleged to be sent to my former home address. However, I never received this information. 

In addition to the letter from the alleged original creditor, XXXX XXXX XXXX, also advised that they " were uncertain of what you are specifically disputing ''. My debt validation letter was quite clear regarding the information I was seeking. It is my conclusion that XXXX XXXX does not have appropriate proof of ownership of the debt in question. Also, it is my conclusion that XXXX XXXX created the letter aforementioned on their own behalf. I investigated a " Commenity Bank '' and their organization, it appears that the header utilized in the correspondence differs from that of the original " Comenity Direct Bank '' logo. Per the FDCPA, this is not a sufficient proof of ownership of the debt nor an adequate demonstration of my ownership of the debt. Given as such, it is my strongest suggestion that XXXX XXXX XXXX. consider this complaint and agree to the fair resolution requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am being violated by Transunion, XXXX XXXX XXXX credit bureaus under 18USC1514 ( d ) ( B ), 18USC873, 18USC4, 18USC241, 18USC242, 18USC247 ( a ) ( 2 ), 18USC912, 18USC1661, 18USC2325, 2326, 2327, 2328, & 42USC408!

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 2021-10-27
Company: Medical Data Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I sent a debt validation letter to MEDICAL DATA SYSTEMS INC two times once on XX/XX/2021 and again on XX/XX/2021 regarding the debt they claim I owe to XXXX XXXX XXXXXXXX XXXX XXXX in the amount of {$3100.00} on the account XXXX and each time the company has failed to validate the debt. Instead, they sent a list of my medical records to me which is a direct violation of my rights under HIPPA regulations. I never signed a HIPPA release form authorizing them to have access to my medical records information. I demand that this information be deleted from my credit file and cease all collections activities 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 explanation
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2021, I sent a letter regarding several unknown and inaccurate items listed on my credit report. More than 60 days have past without a response and I feel that my request has been ignored. in Section 611 ( a ) of the FCRA, it clearly states that failure to investigate these items in 30-days requires them to delete the disputed items immediately. It has been a total of 67 days since my request was made and to date, no response. These items should be promptly deleted from my credit report. My information had been involved in the Equifax data breech and is most likely in the hands of the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

Company response to consumer: In progress
Consumer complaint received 2021-10-27
Company: FREEDOM FINANCIAL NETWORK
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
On XX/XX/2021 I entered into the Freedom Debt Relief program. This is a program that settles credit card debt into a lower amount by negotiating with creditors. I have been following everything they ask on their program. On XX/XX/2021 I received a lawsuit from XXXX XXXX- I have 20 days to respond from XX/XX/2021, FDR states on their welcome packet/website and other sources the following information : " While youre moving through the process of resolving your debt, some creditors may choose to take legal action ( sue you in court ) to collect on the debt. If you receive a legal notice, send us a copy right away by uploading it on your Client Dashboard or emailing it to XXXX. Then call Customer Service to verify the document was received. 
Once we receive the document, well review the status of your program and may enlist the help of an attorney in the XXXX XXXX XXXX. To qualify for legal representation on a lawsuit, you must have made all your program deposits on time and in the full amount. Its important that there are enough funds available for us to negotiate a settlement if needed. Consistent deposits are crucial to overall program success and create negotiating leverage for attorneys to work on your behalf. 

There are no additional Freedom Debt Relief fees for attorney services. However, you will be responsible for court fees and related costs. '' " As long as you make all your deposits on time and in the full amount, access to representation through the XXXX XXXX XXXX is included as part of your Freedom Debt Relief program. There are no additional Freedom Debt Relief fees for attorney services. However, you will be responsible for court fees and related costs. '' As of today, I have been calling every day and have been given the run around with no answer. I am not asking and have not ask FDR for legal advice. Instead, I am asking if they are going to comply with what they offer on their welcome packet/website to help the customer with the lawsuit placed by one of the creditors by assigning an attorney from their " network ''. 

This is a deceiving business practice, as FDR convinces and promises customers that everything goes according to plan by following the program. However, what goes to plan is all the fees/charges they take out of the dedicated account, but everything else seems to be out of scope even when it's in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: TX
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 a victim of identity theft, I have reached out to the three credit bureaus multiple times to no avail. Their negative reporting of false information is hindering my financial wellbeing and ability to provide for my family. I have been trying to prove myself and have these false items removed, I am always turned down and they are infringing on my rights as a consumer which is a violation. Per 15 usc code 1681 these companies have not done their due diligence in ensuring me a fair and accurate credit profile and I wish for that to be immediately corrected and fees for damages as this has been detrimental to my life and I have been trying to resolve it for months now with no help. I have attached a copy of my driver license with my 1 and only name.

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i notice some inaccurate information on my credit report so on XXXX XXXX i sent some letters to all 3 CRA 's requesting the validity of the inaccurate and incomplete information reporting on my credit report, per 15 usc 1681i. I haven't heard anything thus far and this is XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2021-10-26
Company: Waterfall Revenue Group
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I ordered a XXXX XXXX Digital Piano on the Music and Arts website ( XXXX ) for {$680.00}. The digital piano would be delivered to XXXXXXXX XXXX XXXXXXXX store listed below, where I would pick it up. I was notified that the piano arrived at the XXXX store on the XXXX of XXXX. I picked up the digital piano on XX/XX/XXXX from the XXXX store. After unpacking the piano, I discovered that three keys in the center of the piano were jammed and could not be moved. I called XXXX XXXX XXXX in XXXX and explained the issue with the piano. They instructed me to bring the piano back to the store so they could order a new one. I dropped the piano off at XXXX XXXX XXXX in XXXX on XX/XX/XXXX. Since I had to return the defective piano, the store employee informed me that he would consult with the manger about delivering the piano to my home. On XX/XX/XXXX, I received an email about the piano arriving at the store. I waited for a call or email about the delivery date. Nothing was received so I reached out to the store on the XXXX of XXXX. An employee of XXXX & XXXX informed me that my replacement piano had been sold to another customer because my name was not affixed to the order. He was very polite and apologetic and informed me that the manger would call me on Monday the XXXX to make things right. That is the last communication I received from the XXXX store. On XX/XX/XXXX I contacted XXXX, and asked them to reverse the charge on my card. I received no bills or communication about a bill from the XXXX XXXX XXXX store in XXXX or their corporate office, until I received a bill and collection notice on the XXXX of XXXX. I feel that XXXX & XXXX is using the collection system to punish me for reversing the charges on my card when they failed to provide a replacement piano, sold my piano to another customer, and repeatedly failed to communicate with me about replacing the piano I returned. On XX/XX/XXXX, I called the number on the XXXX & XXXX bill, and explained the situation to XXXX no title given. She seemed to agree that I took appropriate steps and informed me that her manager would call me back the next day. Unfortunately, I didnt receive a call or email from her today. Can you assist me with this matter or provide guidance what steps I should take? 
XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX The corporate office appears to be : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX The debt collection company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: FL
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 have no knowledge of these hard inquiries these inquiries are a result of identity theft these hard inquiries must be removed no later than four business days as per 15 USC 1681 c-2

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The listed accounts are incorrectly marked with a late payment status despite the absence of monthly historical data. I have disputed this matter multiple times. In accordance with compliance protocol, it is imperative that you promptly delete this my report.

Company response to consumer: In progress
Consumer complaint received 2023-11-28
Company: PNC Bank N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
Well XXXX XXXX  my whole tax refund of XXXX was deposited from XXXX XXXXXXXX XXXX XXXX XXXX into A fraudulent PNC bank account. I never had a account at this bank so XXXX XXXX I called the irs and they gave me the account information and was informed to reach out to PNC bank because they have my funds. I then went into a pnc branch with all my personal information and opened a fraud case then made a police report about the event. I am requesting my deposit be sent back to XXXX XXXX XXXXXXXX XXXX XXXX XXXX so they can mail my return via cashiers check but pnc is not giving me any information due to me not having a bank account with them but they have my tax refund which is in my name. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are items on my credit report that are violations of the FCRA that I request to be remove expeditiously for violating my rights as a consumer. There is invasion of my privacy and defamation of my character. No consent, Identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.

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 2023-07-28
Company: Fig Tech 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 Reporing Act, Fig Loans Texas LLC 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.

First and foremost, Fig Loans Texas LLC furnished my credit report to the credit bureaus for the purpose of investigating a dispute without my written instuctions which has violated both section 602 A and Section 604 A Section 2.

Furthermore, the dates reported on my credit report are incorrect. I have disputed this information with Fig Loans Texas LLC in an attempt to rectify the incorrect dates appropriately, however, Fig Loans Texas LLC continues to knowingly report false information on my credit report.

Some versions of my credit report depict different account information than other version of my credit report reporting on this same account, a clear and obvious depiction that I C System is reporting incorrect information as Fig Loans Texas LLC, themselves, can not even keep the information straight.

For example, Fig Loans Texas LLC reports account information for XX/XX/90 days late as XXXX on one report and XX/XX/90 days late as XXXX on another report. both can not be correct and Fig Loans Texas LLc has continued to report this false information to the credit bureaus despite my attempts to have Fig Loans Texas LLC remove this account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
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:
On XX/XX/2020 Portfolio Recovery added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA Portfolio Recovery has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed listed int attached document.

Company response to consumer: In progress
Consumer complaint received 2023-03-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Portfolio Recovery keeps calling all times of day and night. They are saying they have filled court cases with me because I an alleged debt. Different numbers call from all area codes saying Im committing a crime and they will sue me and garnish my wages. I do not owe such debt. I filled several disputes with the credit bureaus but they say it all comes back as investigated. Which is untrue. I am the only one who can verify if I owe a debt. Theres no contract or wet signature saying I owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-10
Company: EQUIFAX, INC.
State: WI
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:
Equifax has a different credit report on My file. This is a huge violation. The DOB is listed as XX/XX/1933 and that's not my DOB. Equifax has the wrong person on file and the accounts noted are also not mine and no information given, after 3-4 months. Per 15 USC 1681a, 1692efg these accounts are noncompliant and I want removed immediately. I will also be pursuing further. Copy XXXX, Attorney General and FTC.

Company response to consumer: Closed with explanation