BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-27
Company: Maury Cobb, Attorney at Law, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed the alleged debt on a number of occasions yet XXXX XXXX continues to attempt to collect. Over the last several years they have placed this account for collections with multiple, third party collection agencies. I have disputed this debt with each collection agency and each time it has been removed from my credit bureau and I have been assured that it has been resolved/cleared. This is a never-ending cycle where XXXX will place the account with a collection agency, the agency will report to the credit bureaus-I then dispute the debt and the debt is removed from my credit bureau and I don't hear anything for a while until XXXX then places the account with another collection agency and the cycle repeats. Currently, XXXX has placed this alleged debt for collections with Maury Cobb Attorney at Law, LLC for collections. This is the 5th or 6th collection agency they have placed this account with. I do not owe the alleged debt. I have disputed this with XXXX directly. I have disputed this debt with all of the various collection agencies they have placed the account with. With each dispute, I have received confirmation that the alleged debt has been canceled and that the debt is removed from my credit bureau report. However, this is only temporary until XXXX XXXX decides to again, place this account for collections with yet another collection agency. This cycle does not end however it needs to end now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX, 2023. I Submitted and Application At Dealership In XXXX XXXX  and then XXXX, Virginia, For the Same Vehicle. The Ohio Dealership Phone Number Was Not Working, and Nobody Inform Me About the Vehicle Application at there Dealership .When I Was Called About the Application for the Vehicle Submitted At the Dealership In XXXX XXXX Virginia XXXX Phone Was Working and, I Was Told A Different XXXX Score By XXXX XXXX XXXX  XXXX XXXX From My Membership With Experian Credit Report. My Experian Credit Report XXXX Is Higher From What the XXXXXXXX XXXX XXXX Told Me. I Very Concern About Security and Fairness and Civil Rights! Thank You!

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 2019-10-01
Company: Allegiant Capital Recovery LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call at my place of employment XX/XX/XXXX @ XXXX pm from a spoofed number ; XXXX left a message to call XXXX. When I called the number back to obtain an address he refused to provide the address and escalated the call. The lady that came to the phone asked why I wanted the address and I advised I wanted to send a cease and desist letter. She refused to give me the address unless I gave her my name. Based on the company name of ( Allegiant ) I was given by XXXX they are possibly located in New York which means they spoofed their number by using a fake number in my local area ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
n accordance with the Fair Credit Reporting act XXXX Account 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 XXXX. XXXX : Acct # XXXX XXXX. XXXX  : Acct # XXXX XXXX : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX. XXXX : Acct # XXXX XXXX. XXXX XXXX XXXX : Acct # XXXX XXXX. XXXX : Acct # XXXX XXXX. XXXX : Acct # XXXX XXXX. XXXX : Acct # XXXX XXXX. XXXX : Acct # XXXX XXXX. XXXX XXXX : Acct # XXXX XXXX. XXXX XXXX : Acct # 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 2023-05-19
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. 

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  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 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
According to 12 CFR Part 1026 ( Regulation Z ), the finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. 
The finance charge assessed by the company at the time of signing documents includes any charge payable and imposed. Due to this fact, I any and all late marks found on any of my consumer credit reports by the company should be corrected.

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 2023-09-21
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian refuses to fix the addresses on my credit report that are NOT mine, I try to upload the documents, and says its invalid, but I am sending them PDF as the directions say. This is their way to not taking these addresses off of my credit report.. this is getting to be ridiculous. It shouldn't have been this difficult especially when I did as it said in PDF form however, it had an excuse every time as to why it couldn't load them. I don't live at these addresses on my credit report. It needs to be fixed 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 2023-06-26
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE : XX/XX/XXXX ONLINE INFORMATION SER XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ONLINE INFORMATION SER XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX , FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The account is being reported incorrectly. I see several repetitive late marks which is a violation. Also, the date last active is inaccurate XXXX  is reporting XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX XX/XX/XXXX. All 3 dates should be the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: CA
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 very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently sent a letter requesting validation pursuant to 15 USC 1692g of the account with XXXX XXXX I'm allegedly obligated for that I do not believe is mine. I sent the following letter on XX/XX/2021 alongside a cease and desist, and received no response. I also sent it via certified mail ( which notified me it was received at the location ) with a return receipt and In the letter I stated " If your office fails to respond to this validation request within 30 days from the date of your receipt, all your references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. '' I noticed on my credit reports this account is also appearing false and misleading which is a violation of Section 807 of the FDCPA, the date the alleged account was opened and last reported is not the same on all three of my reports.

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 2021-12-24
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: Investigation took more than 30 days

Complaint:
Hello, I have recently checked all three consumer reporting agencies and notice PLENTY of inaccurate and false information on my credit report. Yes i have tried to send you all mail on all inaccurate information on my report but I have nit seen any changes or receive any mail back from you all in the past 30 days. These inaccurate reports I believe was one of the reasons I was denied XXXX XXXX XXXX  and can not get approved for a home for me and my family. These bureaus are required to report 100 % accurate information across the board or it must be deleted .Also I am highly aware that majority of these accounts do not have my written permission or a signed contract with me so they are all considered fraudulent and have stolen my identity. So not only are you all reporting false information it is also fraudulent information that must be removed from my report or we can go a step further and file a lawsuit and receive {$1000.00} per violation under my civil liability law.I would like to be treated fair and request that all accounts be removed from my consumer report being that they are third parties with NO business with me and will handle that accordingly as well. 

I know that under after any reinvestigation of any information disputed by consumer ( ME ) an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agencies shall promptly delete that item of information from the file of the consumer and if you are unable to provide me a copy of verifiable proof within 15 days after the reinvestigation you must remove these accounts below. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 explanation
Consumer complaint received 2018-09-26
Company: R.M. Galicia, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried to contact the company to dispute the debt on my credit report. But it wouldn't allow me. Kept showing error, On my XXXX, XX/XX/XXXX, {$91.00}, XXXX XXXX. XXXX XXXX XXXX. This is not my debt. And I haven't been to emergency since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The company " TransUnion '' is knowingly and actively restricting online access to my credit report- in spite of any red flags would've been resolved by now- in spite of I have been restricted for more than six months- in spite of my having already proven my identity several times via postal mail submission and retrieval of such prior credit report - and in spite of my having manually removed the prior fraud alert. At this time there is no cause for a restriction of my credit report. No basis in law can be cited that allows them to restrict and/or unevenly afford online accept to some yet not to others. I want online access to my credit report that's what I want and I am over sending postal mail and I will not repeat the process a fourth time like a 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 2021-01-25
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 information incorrect

Complaint:
There is a XXXX debt from XXXX XXXX being reported on my credit report that I do not owe. 

When the debt first showed up on my credit report I went to XXXX XXXX that is now XXXX  and received a receipt that I did not owe any money to XXXX XXXX. After sending this receipt to the debt company they stopped reported the debt to the credit bureaus. A few months go by and a new company began to report the debt. This circle has been happening for years. 

The credit bureau is allowing false information to be reported on my credit report which is causing me significant harm and has been for years.

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 2023-09-11
Company: EQUIFAX, INC.
State: GA
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:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: WELLS FARGO & COMPANY
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I Deposited My check on XX/XX/ in my Checking/Savings account with Deposit of {$3100.00} and Wells Fargo Completely Shut Down my account and Stole my money Which was my unemployment gift from a friend of mine to help me off my feet and I'm literally on XXXX XXXX and XXXX that's all I mean I mean I'm left with nothing I was left with nothing Im barely struggling with my divorce not to mention im in a financial hardship I want Wells Fargo to refund my Money, Im XXXX and have XXXX XXXX I cant work because I have Emotional Problems And my Dog is XXXX XXXX and I have To say Wells Fargo thats pretty Cold And So Low of a Company to do that to a customer!

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 2020-09-09
Company: Ad Astra Recovery Services Inc
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: Old information reappears or never goes away

Complaint:
RE ; XXXX  XXXX XXXX XXXX ORIGINAL CREDITOR INFO : 12 XXXX XXXXXXXX XXXX CONSUMER NAME : XXXX XXXX XXXX, Kindly dispute this collection information away from my account and report. I'm a diligent student and hardworking as I was also a victim of identity theft when my car was stolen in LA last XXXX with everything loss and I faced huge financial hit with struggles. 
I hope that you will deeply consider my request and prove once again, why company name is heads above the rest. I look forward to your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
XX/XX/2021 XXXX PayPal account was shut down unexpectedly without any explanation. PayPal ( Ref ID - XXXX ) All of my money {$280.00} from my online sales that I made from selling a digital product was held unlawfully and I am being told that I can't access it until 6 months from now. I own a legitimate business registered with the XXXX XXXX XXXX XXXX and all of my sales were legit and came directly from my website XXXX and my leads for the sales were directed from my social media account. I did not violate any user agreement but still, my account was shut down because of the ( potential ) risk of violating a user agreement. This decision was made without any proper investigation of my sales.

Company response to consumer: Closed with explanation