BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-13
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the past 6 weeks or so, Ive been applying to rental properties in preparation for my upcoming move. I have submitted applications to several properties recently and discovered that I have ( 4+ ) fraudulent, inaccurate, unverifiable, medical hard inquiry errors that I do not recognize. 

A medical debt collector agency named ( Design Receivable Solutions ) wronfully reported a medical hard inquiry that has been on my credit report since XX/XX/XXXX. 

The debt collection agency Designed Receivable Solutions. Took over the following debts from XXXX XXXX XXXX for - {$4700.00} -- another is for {$250.00} - - another for {$84.00} and another for {$59.00}. According to this medical debt collection agency 's website, they are based in XXXX XXXX, but have a location in XXXX California as well. 

I have absolutely NOTHING to do with this debt, the collection agency inaccurately reported hard inquiries on my credit report, it says that these charges were from visits to XXXX XXXX XXXX from XX/XX/XXXX. 

In XX/XX/XXXX, I was in XXXX Alaska. I also have proof to discredit their claim as evidence, such as : 1. ) A police report. 
2. ) FTC Consumer Fraud report. 
3. ) Consumer Financial Protection Bureau ( CFPB ) Complaint. 
4. ) Airline tickets. 
5. ) California State Attorney General report & Complaint. 

I have uploaded the police report and other Government agency documents with this FTC Consumer Fraud report. 

This incident has seriously affected my credit score, I am formally requesting that the medical debt collection agency ( Designed Receivable Collections ) ( XXXX ) ( XXXX ) and ( XXXX ) provide proof of my signature for repayment and provide proof of my authorizing the furnisher and the ( 3 ) credit bureaus access to my credit report. 

I am requesting you promptly rescind all such account information furnished to ( Designed Receivable Solutions ) and require them to purge their records of all reference to this account, and that you ensure that any and all reporting from this account is immediately deleted from my credit reports. 

Please respond in writing within 10 days acknowledging that you are processing this request. 

I am also reserving the right to take appropriate legal action and civil action including reporting to any applicable regulatory authorities. 

Any lack of cooperation or compliance with this request will result in a lawsuit against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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: Old information reappears or never goes away

Complaint:
I have membership with all three credit bureaus agencies XXXX, XXXX and TransUnion. Who allow me to dispute incorrect information on my credit reports. I pay XXXX {$4.00} each month for credit plan, I pay XXXX {$4.00} each month for credit plan. I also pay TransUnion {$24.00} each month for credit plan. I dispute student loan on my credit report that should be closed and not open. Because four month ago I file complaint against XXXX XXXX XXXX XXXX. About me owing {$45000.00} in student loans. I feel I have been taking advantage. By me being XXXX man who was held back in not graduating with XXXX XXXX degree. Who only borrow {$5000.00} student loans. It fraud. Something using to hold me back from accessing good 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 non-monetary relief
Consumer complaint received 2020-12-15
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:
ve been contacting the credit bureaus for XXXX 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 XXXX BUSINESS DAYS!!

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 2022-07-05
Company: CAVALRY INVESTMENTS, LLC
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: Account status incorrect

Complaint:
I originally had a XXXX XXXX charge account. This account was included with a debt management program ( XXXX XXXX XXXX XXXX ) and was supposed to be paid in full. The debt management account closed in XXXX of XXXX. According to XXXX XXXX XXXX, they paid on this account from XX/XX/XXXX - XX/XX/XXXX and this account was then dropped from the debt management program. Research was being completed in XXXX regarding this account as I did not receive a satisfaction of XXXXt on this account. This account has now been sold to XXXX XXXX XXXX XXXX XXXX and I am to appear in XXXX XXXX XXXX. I was under the assumption that this account was paid as I had never received any further communication. I received an illegible XXXX XXXX XXXXt, no payment history or record of the charges in question. I am requesting a full history of the debt owed, a full payment history and any other correspondence related to this debt. I did not receive a right to cure from XXXX XXXX. I believe this is unfair and deceptive debt collection practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the second time this has happened. I filed a compliant in XXXX for the same issue. My payments were sent in. I even had my payment processing company ( XXXX ) contact the mortgage company : CHASE / WASHINGTON MUTUAL LOAN # XXXX PHONE NUMBER : ( XXXX ) XXXX. 

I paid {$570.00} to be paid on XXXX I paid {$500.00} to be paid on XXXX Both payments, confirmed mailed by XXXX on XX/XX/2020. On XX/XX/XXXX, these payments were still not reflected or deducted from the balance, with interest accruing on an incorrect balance due. All payments for the last 19 years have been to the same address, same loan, same 4-5 days mailing time line and they were processed in 3-4 days. Now these last few payments are being lost and/or taking 3-4 weeks to process and apply to the balance. They are accruing interest on wrong balances due to NOT applying my payments upon receipt. 

Again, this is the 2nd time in 3 months they have done this. 

Please call me with any questions ( XXXX ) XXXX XXXX XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019, I made an online payment to Citi Cards for XXXX ( XXXX ) dollars. The money was taken from my account. Citi claimed that they were not able to process the payment and charged my credit card a XXXX ( XXXX ) dollar return check fee and did not credit my account with the payment. 
I contacted them when I realized what had happened and spoke to several people on different occasions. I was told that a three way call could be initiated between myself, Citi and my credit union to verify that the money had been taken from my account. I called on my day off to have that done and was told that it was not necessary because it would be handled but by the next week it had not been. 
I called Citi again and finally was able to get a customer service agent to remove the return check fee but there was not mention of finding the missing XXXX dollars. I received a letter from a Citi office in XXXX   XXXX, SD, requesting that I send my bank account statement to them at that location to verify that the money was withdrawn from my account. 
I am understandably not really wanting to give them my bank account statement but I will to get the XXXX dollars back. I however am going to redact as much personal information as I can. 
I would like to know if they are allowed to ask for this information to settle the issue since I made myself available for a three was call that they could initiate with my credit union.

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 2023-10-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: Resurgent Capital Services L.P.
State: CA
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:
My identity was stolen and I noticed back in XXXX I obtained a police report when I started noticing fraudulent accounts on my credit report XXXX  being one of them. I obtained a police report on XXXX and submitted it directly to XXXX  because they kept saying the debt was mine even though the address they had was not my address or any of the info they had was mine. The only info they had was my social security. After I disputed with the credit bureaus for months it was wiped from my credit report and the debt was removed. Now XXXX has sold this deb to halsted and they are sending me harassing text and emails multiple times daily to pay and this so showing up on my credit report again under collections as of XX/XX/XXXX and impacting my credit score once again. I want to report this fraudulent information. I want this removed from my credit report. I want this company to stop harassing me and I want this fixed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-15
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX closed my account without any knowledge. After the last payment was made they immediately closed my account. 

I contacted XXXX and they stated they have the right to close accounts if they see it deem fit.

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-10
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022. I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau. Their return letter stated, " The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. '' I sent certified letters to the credit bureaus let them know that I did not give them permission or written consent to them or any other agency to furnish my information. How did the credit bureaus edify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681. nor did they follow their own consent policy. It is damaging to my reputation and a blatant disregard to my right to privacy. 

15 USC section 603 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of being is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The have violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 A. States I have the right to privacy. 

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to : 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 explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: CA
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a few record that requires UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this record ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$86000.00}

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 2023-08-13
Company: LEXISNEXIS
State: GA
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 State Of Michigan XXXX XXXX XXXX 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. 

These inaccuraties are proventing me from obtaining the purchase of a Home and Credit Cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: SC
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:
A XXXX credit card has sbown up on my report with a missed payment from XX/XX/2022. I am not the correct owner and my report shows authorized user. I never approved this. I do not have access to this credit card. You have the wrong person.

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 2023-04-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$2100.00}, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Credit Corp Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation