BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-01
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX I receive an notification in regards to a debt collection of {$1400.00} not owed pursuant to 15 USC 1692b ( 2 ) not state that such consumer owes any debt. Credit Management LP has continued to pursue collection without any written consent given directly to the debt collector or the express permission of a court of competent jurisdiction according to communication from third parties. This company have used unfair practices and have obtained acquisition of location information without authorization.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Loan dates from XXXX when I was living in XXXX XXXX  prior to my move to XXXX in XXXX, XXXX. Name of the original debtor is XXXX XXXX XXXX. I had unemployment insurance on my credit card account, but it was not honored. Efforts to settle were declined. The initial amount of the debt has grown as well. Shortly after arriving in XXXX I began receiving numerous very threatening phone calls ( threats of arrest and jail time, repossession of my car, accusations of living beyond my means, having money hidden somewhere ). These calls took on a very ominous tone that left me very frightened and I began to ignore them. At one point after I began receiving those threatening calls I spoke with a local free legal service here in XXXX XXXX and for quite a while the calls and notices stopped. 

However, since then the debt appears to have been sold to various collection agencies. The current one being Portfolio Recovery Associates, Inc. In addition to mailed notices I receive numerous phone calls at all hours of week days and week ends sometimes as early as XXXX or after XXXX in the evening. The caller ID does not register the caller, but they come from all areas of the United States and lately from my own area code. I have an app to follow these calls and block them, but it does not stop the calls. I contacted XXXX XXXX, but they did nothing, claiming it is after all a legitimate debt. However, it is over 14 years old. 
I want to put a stop to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
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:
Loan Number : XXXX XXXX XXXX  incorrectly reported delinquency for loan payment. 
- XXXX XXXX XXXX sold my loan to another loan company ( XXXX XXXX ) effective XX/XX/2020 ( letter attached ) ; therefore, all payments after XX/XX/ should be paid to XXXX XXXX, not XXXX. 
- However, IN FACT, XXXX XXXX XXXX received my XXXX  and XXXX XXXX loan payments through an auto payment online account ( payment history attached ) - XXXX reported delinquency for missing loan payments in XXXX XXXX  to the credit bureau caused a massive impact on my credit history. 
- The " Goodbye '' letter received from XXXX indicated " The servicing of your mortgage loan is being transferred, effective XXXX XXXX XXXX. After this date, a new servicer will be collecting your mortgage loan payments from 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 non-monetary relief
Consumer complaint received 2023-06-27
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance ; : {$760.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$8600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX  Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX  Balance : {$4300.00} ; XXXX XXXX Balance : {$660.00} ; 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 2023-11-08
Company: DAS ACQUISITION COMPANY, LLC
State: MO
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 ( 4 ) inquiries on my credit report that I did not authorize. 

Company : DAS ACQUISITION COMP via XXXX XXXX Date : XX/XX/2023 Company : DAS ACQUISTION COMPA via XXXX XXXX Date : XX/XX/2023 Company : XXXX XXXX XXXX via XXXX XXXXXXXX XXXX Date : XX/XX/2023 Company : XXXX via XXXX Date : XX/XX/2023 I have filed an identity theft report on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, 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:
I have inquires on my consumer report that i did not authorize, or give these companies permission to obtain my credit report. there are well over 10 inquiries reporting. This is crazy because it is hindering me from getting any new credit, it's hurting my mode of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions 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 status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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 explanation
Consumer complaint received 2023-07-05
Company: Collection Management Holdings, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im not sure whats going on. I have never done business with Credit Management Company, however, an alleged medical debt is being reported to my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XX/XX/XXXX XXXX Unpaid Balance {$2200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XX/XX/XXXXXXXX Unpaid Balance {$2200.00} ; XX/XX/XXXX XXXX XXXX Unpaid Balance {$760.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Unpaid Balance {$2200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
TRANSUNION FILE # : XXXX So due to an active ID Theft alert on file, I can not upload supporting documentation in order to support my dispute for fraudulent activity and reporting on my file. 

Please see attached to have fraudulent collection account XXXX XXXX - {$1000.00} OPENED XX/XX/XXXX removed from file as well as inquiries that I did not authorize. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have attached my FTC Report to support this dispute.

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 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
n accordance with the Fair Credit Reporting act XXXX  Account, 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08
Company: EQUIFAX, 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:
To Whom It May Concern, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. Please remove XXXX XXXX Account # :XXXX from my report 2.Please remove XXXX XXXX account Account # XXXX from my report 3.Please remove XXXX Account # : XXXX & XXXX from my report 4.Please remove XXXX Account # XXXX from my report 5. Please remove XXXX Account # : XXXX from my report 6.Please remove XXXX XXXX Account # XXXX from my report 7.Please remove XXXX Account # XXXX from my report 8.Please remove XXXX XXXX  Account # XXXX from my report The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX _________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am writing to dispute an issue of utmost importance concerning the unauthorized release of my student loan information by XXXX XXXX to third-party credit bureaus Trans Union XXXX XXXX, and XXXX. This act not only constitutes a blatant violation of the Family Educational Rights and Privacy Act ( FERPA ) of 1974 but also a breach of Title 20 U.S.C. Section 1232g ( b ). I obtained a copy of my credit report which included entries reflecting student loan information that should have been protected under FERPA. XXXX XXXX, disclosed my personal student loan data to the aforementioned credit bureaus, which is a clear breach of my rights as a student under FERPA. This release of information has had a significantly negative impact on my creditworthiness and financial standing. 

FERPA, enacted in 1974, protects the privacy of student education records, including financial aid records. Title 20 U.S.C. Section 1232g ( b ), known as the " Buckley Amendment, '' explicitly prohibits the disclosure of these records.

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 2020-08-08
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My chapter XXXX case is still showing petition when the case should be showing close. Complete. Reached out to credit bureaus and not updated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 
XXXX XXXX Balance : {$27.00} XXXX XXXXXXXX Balance : {$170.00} XXXXXXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXXXXXX Balance : {$25000.00}

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 non-monetary relief
Consumer complaint received 2020-08-08
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am trying to link my PNC account with XXXX. PNC has security in place preventing this and stating that the issue is on XXXX end. The service XXXX provides is a round up service so any time I use my debit card it will round up the charge to the nearest dollar and send the change into my acorns account for savings. This is my money reguardless of the mini transactions occuring there ; I should be allowed to make these charges with my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Fraudulent Hard Inquiries were made without my knowledgement or permission

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As I was about to do a home search, I noticed that my credit score had decreased by XXXX points. I had contacted all the consumer credit Bureaus ( XXXX, XXXX, TransUnion ) about the misleading information and inaccurate data.The creditor had reported my loan as delinquent when in fact I got an evidenciary letter prior to the negative notation indicating that my loan was under forbearance contrary to the negative reporting. The letter was submitted to the agencies as evidentiary exhibits. 

I had decided to pay off the loan to avoid further confusion and economic damage with the consumer credit agencies, however they refuse to correct and remove the delinquency which was entered based on the misleading information. 
The agencies and the creditors should take responsibility of their data to assure maximum accuracy. 

Despite of my reasonable payment history, my credit score keeps going down and my depleted score had affected me economically and prevented me from pursuing my home search. The misleading information had created harm and frustration constantly in my business dealings. 

It appears to me that there's a discrepancy between payments history and credit score, I have found that the agencies are reporting credit score callously and not reflecting the hard work that consumers place in maintaining an excellent credit score. These agencies are running as " XXXX XXXX XXXX ' '' with 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 2023-01-07
Company: EQUIFAX, INC.
State: MD
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:
Notice to Agent Notice to Principal ALL CONTRACTS ARE VOID! This is the truth and nothing but the truth. If it is not THE GREAT LAW, I XXXX XXXX XXXX the living SOUL, Will not take part or honor any law that governs the jurisdiction of an illegal fiction. I will not converse in any law that is not The Great Law. Meaning adhesion contracts are hereby NOW void because they werecohesion by deception, This is Written Notice to cancel, settle, discharge, delete, destroy, burn, eliminate disappear, get rid of all illegal fiction contracts. The United States government and the Pope has been deceiving XXXX XXXX XXXX by promoting adhesion contracts, coercive laws, deceptive laws written under the pretax of our government, but its been fraud the whole time.Notice to agent is Notice to principal.I have a bandit all contracts due to the fact I have been deceive through legalese, and I have been trapped in the deception since XXXX.My birthright and blood rights has been taking away without my consent.This is Public Notice to ALL coming from Turtle Island and The Great Law of The REAL Americas ALL CONTRACTS ARE HEREBY VOID DUE TO NON-PERFORMANCE BY THE GOVERNMENT AND THERE CORPORATIONS! This is a Cease and Desist to all parties involved with trying to Contract without any lawful jurisdiction to my illegal fiction. Any corporation using any form of UNIFORM COMMERCIAL CODE or Maintaining a database of any information containing the name XXXX XXXX XXXX date of birth XXXX, Social security number XXXX is FIRED. Attached are copies of my identification and The American Declaration on The Rights of Indigenous Peoples!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
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:
Said they havent received any paperwork from me to correct errors and the reported inquiries are not authorized.

Company response to consumer: Closed with explanation