BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-17
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX has placed a Credit Collection Agency on me for a debt that was " Paid In Full " last XX/XX/2019. I have contacted XXXX XXXX XXXX Directly several times and they simply refuse to remove this amount owed, and have placed this with a collection agency. I then contacted all three ( 3 ), credit bureaus, XXXX XXXX, XXXX, and XXXX. XXXX XXXX was the only credit bureau agency that reviewed my submitted documents and rapidly removed the collection account from my credit report. I have submitted all related document necessary for this action to take place. e.g., Photo copies of my Government Issued Photo ID, Social Security Card, and Copies of United Stated Postal Money Orders as Proof of " Full Payment ". 

However, after submitting all this information to XXXX, XXXX, and XXXX nothing is resolved, I have several dispute case numbers and again nothing is resolved.

XXXX XXXX XXXX does not feel that a United States Postal Money Order Receipt of " Full Payment " is Valid. They have Rejected my filed disputes on Seven Different Occasion 's. I have spoken with their customer service department numerous times, and additionally, have send via, fax, snail mail, and document upload to their customer service department again, without any type of resolution to have them purge this false amount. With that said, additionally I have also provided the identical documents to all three ( 3 ), credit bureaus, and only XXXX XXXX Removed this false debt. I truly have had enough of this nonsense from XXXX XXXX XXXX, and the two remaining Credit Bureaus, XXXX, and XXXX. 

Moreover, this has had a drastic impact on my over FICO Score,  barring me from purchasing a home, and making me subject to outrageously high interest rates. 

In short, I continue to be penalized as a result of their incompetence. 
If a United States Government Postal Money Is Useless Then So is the money in everyone 's wallet, purse, cookie jar, or bank throughout the USA. 

I have been very patient awaiting a positive outcome to no avail, therefore I have taken the time necessary to write the Consumer Financial Protection Bureau and request a Formal Investigation of XXXX XXXX XXXX to Remove this from my credit report and verify that the amount due has been " Satisfied and Paid In Full ". 

In closing, I look forward to immediate resolution to this issue pending the results of your investigation. 

Thank You. 

Respectfully, MrXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: NY
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 sent a letter on XX/XX/2023 to remove, accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2023. 

TransUnion : 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

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 2022-10-15
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of 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 non-monetary relief
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a LOT of complaints for the past months but there are still FRAUDULENT ITEMS on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. Please REMOVE it from my credit report. This accounts are not MINE.

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 2023-01-02
Company: Early Warning Services, LLC
State: CA
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:
I received a copy of my consumer report from Early Warning Services which contained me personal information from XXXX XXXX XXXX XXXX ( XXXX  ). The accounts I hold with XXXX are personal checking and savings accounts. The terms and conditions for XXXX XXXX XXXX XXXX XXXX state on pages XXXX & XXXX that XXXX DOES NOT share personal information with nonaffiliates. Early Warning Services is a nonaffiliate. XXXX and Early Warning Services intentionally violated my federally protected rights and my rights as a resident of California by sharing and disclosing my personal information without my written consent or seeking to obtain my written consent. Specifically, XXXX and Early Warning services violated 16 CFR 313.1 which states in part that it is the policy pf Congress that they must protect the security of my nonpublic information. They also violated 15 USC 1681b which states that my personal information can only be furnished without the written consent of the consumer which is me. They also violated 15 USC 6802 which provides the specific steps that XXXX ad Early Warning Services should have taken with respect to their obligations to protect my personal information. They also violated the Privacy Act of XXXX. They also violated 17 CFR 248.6 and 17 CFR 248.7. These violations are subject to monetary compensation paid to me immediately under 15 USC 1681n and 15 USC 1681o. It is also afforded to me under the laws of the state of California, specifically XXXX, and The California Financial Information Privacy Act ( FIPA ), Financial Code 4050-4060 which limit the sharing of personal information off consumers by banks to 3rd parties and nonaffiliates which Early Warning Services is a nonaffiliate. Other laws provided by the XXXX, FTC, XXXX, XXXX and the state and federal offices of the Comptrollers are charged with enforcement and oversight of these violations. As such, California state law allows for monetary damages for each violation. As precedent, as of on or about XX/XX/XXXX, XXXX XXXX XXXX  just entered into a settlement for numerous violations of consumer laws for {$3.00} XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
I have submitted multiple requests to remove the incorrect account reporting on my XXXX XXXX XXXX, the last attempt was under claim # XXXX in XXXX, I disputed this information more than 2 times. Bank of America has upheld the decision meaning they are allowing someone else to use my SSN which is clearly a violation of my rights. The person on that account : Bank of America Seems to have a similar name but that is not my name. 

I even tried to reach out to Bank of America and they also failed to do anything. I spoke with a representative from their fraud department named XXXX on XXXX. 

Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX/XXXX XXXX**** Balance : {$0.00XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX**** Balance : {$920.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2020-06-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Dear to whom might be concern, My name is " XXXX XXXX ". I have been trying to report inaccurate items on my credit report over past year but it never worked. I notice that there are several addresses and employment information on my credit report that not belong to me or any my business. So i demand to get these addresses and employment information remove as i list them below : **Address** XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX*Employment information** XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX, NJ XXXX I didn't intend to put any of these addresses in my credit report. They are all incorrect and someone might intensionally settle inaccurate items to intervene me obtain my credit. As you may also aware of VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) " There are several items on my report that are not legally allowed on my report '' **Hard Inquiries*XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION & As you may ware of Metro 2 Compliance Violation ( Not Including Creditor Contact Information ). This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A XXXX  XXXX Inquiry : XXXX XXXX, XXXX unauthorized inquiry and date furnisher has violated Metro2 reporting compliance by not reporting their contact information. Delete immediately!! 
XXXX XXXX Inquiry : XXXX XXXX, XXXX This account is not mine, delete it immediately or provide me full documentation as i never receipt any writing mail disclosure or warning. Section FCRA [ 15 U.S.C. 1681d ] ( a ) " Disclosure of investigative consumer reports '' I must receive a disclosure that this letter was is received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. Provide me proof that the credit bureaus has followed these FCRA laws. 
XXXX XXXX XXXX : XXXX XXXX, XXXX This account is not belong to me. Delete it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Atlanticus Services Corporation
State: NJ
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 AM A NATURAL PERSON. I AM A LIVING HUMAN BEING ; I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, 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:
Please remove the XXXX XXXX XXXX from XX/XX/2023 inquiry and see FTC report with names and dates attached. ID attached with address thanks

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 2022-09-12
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have a home equity line of credit originally issued by Suntrust bank. XXXX XXXX  XXXX they offered me debt relief for covid. I took the covid relief they offered. Every three months I reapplied and was given relief.XXXX  XXXX  XXXX I was able to return to work so, I started paying the regular monthly installments. XXXX XXXX  XXXX, the bank became Truist bank. I received statements saying I was in arrears, spent the next 2 months trying to find out why, to no avail.Went to the local branch for guidance and was told I was in pre-forclosure. After many attempts to contact the foreclosure deep't, I decided to pay the arears. On XX/XX/XXXX, I paid XXXX dollars to the local branch.1 month later, they couldn't find my payment reflected anywhere in my account. Went to find out what happened and ran into XXXX XXXX, who is the regional supervisor for Truist and he put the wheels in motion.I was then informed by the branch manager, XXXX XXXX, that everything is suspended and they would let me know the outcome. checked back 1 month later and was told it was still suspended and to do nothing. XX/XX/XXXX I spoke to XXXX XXXX and was told that it still can't be found and I need to call the fofeclosure dep't and not to return to her branch, she will be out for 4 months.

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 2023-03-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: MD
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 reached out to the XXXX company and to the credit bureaus for the late on my report that is incorrect. I received a response from the bureaus that it was deemed correct. And i am asking that the last 30 days late be removed from the report. The late was XXXX XXXX, and also XX/XX/19.

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 2022-11-24
Company: Experian Information Solutions Inc.
State: AL
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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, and XXXX XXXX XXXX have 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.

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 2022-06-03
Company: The CBE Group, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting false credit reports on my account from places I have never heard about they tell me I have debt that I do not owe from places I dont even live at. I keep having repeated credit reports on my account that fall off after a fake dispute then they come right back on my account months later with a different agency. Mind you they do not call me they do not leave any messages I get no mail. This is identity theft or someone with my name. I just want this taken care of. CBE agency group charging me for {$2300.00} for and account I opened 2 days ago. Which I never have opened anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND A NEGATIVE ACCOUNT THAT WAS REPORTED ON MY CREDIT THAT DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF IT. IN NO WAY IS THAT ACCOUNT CONNECTED TO ANY TRANSACTIONS THAT I HAVE MADE. 
I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS NEGATIVE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXXXXXX XXXX  keeps contacting me about a debt i do not owe {$1200.00}. I have called in many times over the years to tell them that is not mine i have never had an account with the original creditor Bank of America and they stop for a while then continue to send me out written notices about the same account that i have already said i don't owe its been going on over seven years now i just found out about this resource your company offers so i reached out to get this resolved its not being reported on my credit so i couldn't file a dispute about it. its really just annoying at this point. 

XXXX  Reference number XXXX account number 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