BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-21
Company: Collection Information Bureau, 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Collection Information Bureau , Inc . XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX DOCTORS BUSINESS BUREAU XXXX DOCTORS BUSINESS BUREAU 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 DOCTORS BUSINESS BUREAU XXXX DOCTORS BUSINESS BUREAU 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 District 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, XXXX XXXX , FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: MI
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 come across a credit inquiry on my report that I do not recognize, and it appears to have been conducted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Credit Service Company, INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am asking for validation of the debt and collector advised it will hit my credit in 2 weeks, regardless of the dispute filed. I advised they need to send me information about the debt - validation letter. Collector then advised, I must have everything finished by XX/XX/XXXX? 

The company isnt allowing the allowed 30 day window to receive information and to dispute if needed? I have requested the debt validation letter to be mailed during todays conversation XX/XX/2023. This was my first conversation after receiving a text from them XX/XX/202XXXX CREDIT SERVICE COMPANY , INC XXXX CSC Is the company. 

Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened my account on XXXX XXXX XXXX  at the branch in XXXX, TX. 
Since then i been sending several emails to the banker to have the Online ID to enroll in online banking without having an answer. Please send me to my mailing address on file the PNC Online banking user ID to enroll in that service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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:
XXXX XXXX, Account XXXX was charged off as of XX/XX/2019. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding, charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations.

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 2023-10-16
Company: EQUIFAX, 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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Under the fair credit reporting act i want to know the name of the person, their title and contact information that verified the information as being mine. If you cant provide this within 15 days the accounts are to be removed immediately. If this continues i will be forced to take legal action.

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 2023-05-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX  I signed on to my mortgage lenders site to make a payment. At that time the payment was accurate and as expected based on what I owed. When I logged in the very next day they were showing an amount due to that was over {$200.00} more than what my normal payment is. The payment went from approximately {$1800.00} to {$2100.00}. At first I thought it was a glitch, so I logged on again today and saw again that the payment indeed was showing as {$2100.00}. My taxes and homeowners insurance didn't increase by over {$2400.00} for the year, so I couldn't understand why the payment would have gone up so much. So I called them today ( Monday XX/XX/XXXX ). They said that they put a new requirement in place where they wanted all of the escrow upfront to pay taxes and insurance. And that since I didn't have it all upfront the extra monthly amount was to catch up to that amount. I was never given notice of this change, nor time to adjust and figure this out in my budget. I just received a new bill. I've been with them for over 5 years and I've never had this happen before and it appears to be unfair to just raise someone's mortgage payment without even giving any kind of notice or options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have submitted several requests to have inaccurate information removed from my credit report which has been met with some success and otherwise resistance to remove all inaccurate information. There is incorrect personal information on my credit report, inaccurate account details that are not legally permitted to be reported the way that they currently are, and unauthorized inquiries. My credit report is not a game, and should be updated to reflect accurate information as required. Transunion also failed to conduct the legally required full investigation into the items that were disputed which is unacceptable.

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 2023-05-01
Company: FAIR COLLECTIONS & OUTSOURCING, 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 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 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality un 15 U.S.C. 1681.

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. 1681 c ( a ) ( 5 ) Section states : no consumer reporting agency may make a 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 7 years. 

XXXX, XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  : Account # 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 2018-10-24
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
The service provider, XXXX XXXX XXXX, has not correctly calculated my payments credible to the Public Loan Service Forgiveness Program. I alerted them in XX/XX/2018 and escalated it in XX/XX/2018 to the ombudsman office. This issue has still not been resolved. I have also contacted XXXX XXXX 's office and the Department of Education who closed the case out without resolving the issue. I am attaching all the payments I made. There was a miscalculation on how the payment was applied, which is affecting the credible payments. I can show all payments were timely, yet this is still not resolved. I am missing around 3 years of payments. 

Thanks, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On  XXXX / XXXX /  XXXX  , I received an email notification that  XXXX   XXXX  received my {$85.00} payment from PayPal. I did not recognize the name or amount and checked the transaction on Paypal 's website. There was a note to  XXXX   XXXX  stating " bill for next month '' that I did not write.I do not know this person I opened an unauthorized transaction complaint through PayPal and received the following response : '' Our records show that this payment passed  one  or more security checks ( such as phone or SMS authentication ) at the time of the payment. The security checks are completed using information known only to the account holder. As a result, we 've closed your unauthorized transaction claim ''. I have requested copies of the documentation  PayPal  used in its investigation.

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 monetary relief
Consumer complaint received 2017-05-08
Company: ECMC GROUP, INC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Back in  XXXX  my loan was paid in full to  XXXX   XXXX , then in  XXXX  and  XXXX  receive mail that my loan is in default and have transfer to another servicer that they claim I sign off. But they ask me to send them a letter stating my loan has been paid in full, I did. During that time my taxes was garnish and was return back to me. Back in  XXXX  I file bankruptcy due to hardship hv been going through. I call the servicer to let them no my situation that am partial homeless and do n't have a place of my own and stay with different family and friends as allow, I even told them about the student loan have been paid in full, but the insist that I own them a balance, that   XXXX    XXXX  transfer my loan to them. Now my cousin that I was staying with back in  XXXX  told me that I hv mail from student loan. To my surprise my loan has been transfer to perform ant recovery, inc. I contact them and explain my situation but I was told that my servicer  EDUCATIONAL CREDIT MANAGEMENT CORP  IS THE NEW SERVICER. They gave me their phone number, I called them and let them know my situation and told them the loan has been paid in full. They gave me email address of  customerservise@ecmc.org . and  XXXX   XXXX   XXXX  of  XXXX   XXXX   XXXX   XXXX ,  XXXX , MN  XXXX . Isent them a brief letter of what am going through and that my loan has been paid in full. I call spoke to different people even spoke to supervisor that okay u will still try to pay them since I ca n't find my paid in full letter because of my homeless situation, I told them I have lost everything, all my document and personal belonging can not be found but instead of the loan servicer giving me problem, I will like to pay them again if they will delay my loan till I found good job. But they refuse that I have to go and work with the collection agency fo r 9month th en my loan will not be in default then they can work with me. I told the I will like to put my loan in defarement they refuse, I have exhurst everything to work with me bcos of my situation but they will not listen to me or even consider m y situation.. Loan servicer. EDUCATIONAL CREDIT MANAGEMENT CORP. My   XXXX     XXXX  loan number is   XXXX    XXXX . The lender fiscal address is  XXXX  south  XXXX   XXXX ,   XXXX     XXXX .  XXXX , MN,  XXXX . Phone number is  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 2017-05-08
Company: TOYOTA MOTOR CREDIT CORPORATION
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 status incorrect

Complaint:
I had a lease wi th Toyota Financial Services.    My car was in the accident and it was a total loss.     I had full coverage with insurance and they supposed to pay for the car in full.   But they had issues with body shop where I took the car, so they did n't pay in full.     I was suing insurance company and I won in court, but the whole litigation process took over a year. Once I got money from insurance company after winning in court, I paid t o Toyota Financial S ervices Since  insurance company did n't pay in full initially, Toyota Financial Services p ut a mark on my credit bureaus profiles that I have a derogatory account. And even after I paid them with the money I got from the insurance company, it still stays on my credit report.     I always pay everything on time and do n't have any missed payments ever, but with this situation with TFS and insurance company now I had a bad account on my credit report which stays there for 7 years and prevents me from buying a house or getting any loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XXXX    XXXX   I was making a purchase in a Gap store and was asked if I wanted to be a 'Gap rewards ' member - there was no mention of signing up for a credit card, not did I want to. I received a new  Visa  card in the  XXXX  and my purchase went on this Gap visa card instead of the card I handed the cashier. The whole thing was deceptive and I never wanted the card.

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 monetary relief
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from 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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The following accounts are incorrect, and they are adversely affecting my livelihood. 

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 2022-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Bank of America performed a hard credit inquiry and then sent me a credit card without my consent. This negatively affected my credit score.

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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On or about XX/XX/XXXX XXXX XXXX reported private information to one of my partners ( XXXX ) which has and continues to cause me financial harm. I have lost an estimated {$14000.00} ( {$1200.00} weekly ) due to this unauthorized reporting. In accordance with the FCRA, XXXX is in violation of : 15 USC 1681 section 602 which states I have a right to privacy. 15 USC 1681 section 604 also states a consumer reporting agency can not furnish an account without prior written instructions. 15 USC 1681 C ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information or adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have been disputing unverified, fraudulent and non consented information reporting on my consumer reports dating back to XXXX. I have been a victim of identity theft. I have sent over 7 correspondence to all three major consumer reporting agencies requesting validation of debt, correcting name, address, and phone number along with requesting the removal any fraudulent accounts, inquiries, names, addresses, and/or phone numbers showing on my consumer reports that are not valid with minimal corrections. The companies XXXX, Transunion and XXXX were all asked to provide proof being a contract/agreement validating any disputed items on my consumer report and I have yet to receive anything but its verified. Someone needs to be held accountable for the fraud taking place including but not limited to the unauthorized use of my XXXX XXXX XXXX XXXX XXXX and restitution should be made by any company or individual without my consent or a valid contract.

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