BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-28
Company: The CMI Group, Inc.
State: MD
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:
after requesting consumer report and analyzing I noticed an illegally furnished account on my XXXX XXXX consumer report in which CREDIT MANAGEMENT , LP a debt collector is in violation of 12 CFR Part 1006.18 by falsely misrepresenting themselves as the original creditor and attempting to collect an alleged debt I am now seeking redress for violations as per 15 U.S. Code 1681n {$1000.00} per violation. This inaccurate report has caused damage to me and my family. I the consumer have been denied for extension of credit do to the negative affect of these inaccuracies on my report I have lost family time and time from work trying to fix this issue i the consumer has had to make calls during times inconvenient to me please help me I've also been hung up on several times in my attempts to gain remedy. if this issue is not resolved i will be taking additional steps by submitting complaints with The XXXX XXXX XXXX and the Attorney General in attempt to settle this matter. 



XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave XXXX XXXX any written consent to report anything on my consumer report. No consent is identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Also, requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay such account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: WA
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:
On XX/XX/2022, XXXX XXXXXXXX XXXX submitted an inquiry for my credit history without my consent. The enclosed are letters from XXXX verifying PER MY REQUEST applications in XXXX for a XXXX credit card were no longer being reviewed. The reason I requested to stop any further review was due to mishandling of the applications. On XX/XX/2022 I filed a complaint against XXXX regarding the mishandled applications. I am shocked and appalled that XXXX has again mishandled applications in XXXX for a credit card with a XX/XX/2022 inquiry that was at no time authorized.

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 2022-03-01
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: Their investigation did not fix an error on your report

Complaint:
I requested for derogatory accounts to be verified on first round and validated second round and neither action was taken. they failed to fully validate the accounts. 
I requested method of verification and copies of full and signed contracts and they did not produce either items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: WI
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:
According to my research about FCRA 605, XXXX and XXXX Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter to company on XXXX XXXX and I received a letter on XX/XX/2022 with a list of charges on XX/XX/2022 I sent a second failure to validate letter and I have yet to receive a response or yet to have this company validate that this debt belongs to me. Please delete this information from my credit file and cease all collection activities immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: WA
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:
On XX/XX/2022, XXXX XXXX XXXX submitted an inquiry for my credit history without my consent. The enclosed are letters from XXXX verifying PER MY REQUEST applications in XXXX for a XXXX credit card were no longer being reviewed. The reason I requested to stop any further review was due to mishandling of the applications. On XX/XX/2022 I filed a complaint against XXXX regarding the mishandled applications. I am shocked and appalled that XXXX has again mishandled applications in XXXX for a credit card with a XX/XX/2022 inquiry that was at no time authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Ability Recovery Services, LLC
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:
I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 following accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-09-27
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
there is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. i am requesting that the reporting of this information be blocked and deleted .my request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. the identified transactions are not information related to any transaction by me as the consumer. : XXXX XXXX XXXX other than personal date XXXX : TransUnion : XXXX XXXX XXXX  other than personal : mortgage reporters XX/XX/XXXX : XXXX : XXXX XXXX XXXX other than personal : miscellaneous reporters ; XX/XX/XXXX XXXX : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FINANCE OTHER THAN PERSONAL XXXX/XXXX/XXXX ; Transunion : : XXXX XXXX  : MISCELANIOUS REPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all files see attachment to follow ; ; you are required to do what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of this notice i look foward to your response

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 2022-03-09
Company: EQUIFAX, INC.
State: WV
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 Accounts ( XXXX XXXX XXXX. original account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, and 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: PNC Bank N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I purchased 2 sets of 3-piece luggage from XXXX for a total of {$410.00} ( {$200.00} each ). One was delivered on XX/XX/2020, the other was never delivered. The XXXX tracking information for the missing item confirms that it was never delivered. I contacted XXXX on XX/XX/2020 and they refused to provide any assistance. I attempted to resolve with XXXX on XX/XX/2020 and they refused to assist. So I filed my dispute with PNC Bank against the charge to my debit card. I filed it on XX/XX/2020 through their online banking submission form. I provided them with the dates and tracking information confirming that the merchandise was not received. Their online system did not allow me to select the partial amount of {$200.00} so the claim was submitted for the full amount of {$410.00} and I included an explanation in the body of the form that I was only disputing {$200.00}. I received a credit for {$410.00} to my account several days later. Two weeks after that, I received a letter in the mail asking for all the same information I already provided. This letter also stated very clearly that if I did not fill it out and return it, they would use the information I have already provided. Having already provided every detail they could need, I did not return the letter. As a result, my claim was denied and my account was charged the {$410.00} again. When I contacted PNC to re-open the claim, they advised they would re-send the letter and to fill it out and return it. I received no repeat letter. Instead, 30 days after I reactivated my dispute, I received another letter denying my claim. When I called and escalated the dispute to a manager, the only explanation I was provided was that because I did not sign and return the letter, they closed my claim. Even when I explained that their own letter included the statement that they would use the information I already provided, the " manager '' simply repeated himself over and over. It was at that time I realized they would be no help in protecting me and my financial interests. So I informed them at that time I would be filing a complaint with the CFPB and that I wanted it on record that I was filing said complaint because of the misinformation they provided on their own paperwork. I am aware of the requirements for a valid Visa dispute code XXXX for non-receipt of merchandise. I contacted my bank well within the required timeframes and provided them with all of the required information to file a valid dispute against XXXX and pursue a chargeback against which the merchant had no valid argument. I believe that the only reason PNC did not pursue my claim is that they did not take action promptly enough to be able to file the claim within the dispute timeframes to recover the funds from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX violated my rights 15 U.S.C 1681 section 602 A States I have the rights 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 1681s -2 ( A ) ( 1 ) States that 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.15 U.S.C. 1681c ( A ) ( 5 ) 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 antedate 's the report by more than seven years. I have received letters from different credit reporting agency on these accounts listed above that was DELETED for inaccurate reporting on my credit report. Some accounts has come back verified. I have asked for the method of verification several times but NO response.

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 2022-10-11
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Sprechman & Associates, P.A.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Began receiving notifications from an attorney in XXXX about a debt incurred by someone with the same name as mine. Contacted the attorney by phone and the head of the collection department acknowledged it was a different person they were seeking. Affidavit 's continue to be mailed to me and served in person. Despite numerous phone calls to the attorneys they continued to contact me by mail. Found a court case registered in XXXX XXXX with my name listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, 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 FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were ma

king to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC o
pinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion is in serious violation. They received my Notarized ID Theft Affiavdate, Police report and the law that governs my demands to be solved within 3 days of receiving my information. 

They are in receipt of that information since XX/XX/2021 and have not done what i demanded as a Federally protected consumer. Not following Federal Law makes Transunion Criminally liable. 

Under 15 USC 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave Transunion written permission/ consent to report anything on my consumer report. No consent means Identity theft which Transunion can be held criminally liable Transunion is also breaking the law which protects me a consumer by furnishing this information which is a direct violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

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