BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-08
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent notarized debt validation letter on XX/XX/XXXX, Via Certified Mail Requesting -The amount the respondent claims is owed -An explanation showing how the amount was computed -Copies of any documents with proof I agreed to pay the alleged amount -The identity of the original creditor -Confirmation that the account has not crossed the statute of limitation ( SOL ) period -Evidence that they are a licensed and registered debt collector -Evidence of license numbers and registered agent Included in the letter was notice it had 10 days to Respond from receipt date of the notice and if not then account must be deleted completely from report ( s ) ( XXXX, XXXX, XXXX, XXXX XXXX it is now XX/XX/XXXX and they have fallen outside of allotted time frame to Perform per notice and my report ( s ) ( XXXX, XXXX, XXXX, XXXX XXXX still reflect the negative and damaging reporting. No attempt has been made to correct the errors or provide the requested information, nor request for additional time to do so. Note that respondent has also been contacted multiple times. I also note the company is not licensed or registered in my state nor has provided proof of such information as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
An agent returned my call a few years ago from XXXX XXXX XXXX 
My credit was bad. I was trying to get a card with low percentage. 
He said that card was at 16 % interest, compared to others that were at 29 % or something at the time. 
He convinced me that I was getting XXXX dollars at that rate. 
So, about a couple of days later, the card came in. 
Alone. 
No paper work attached! 
So, I went shopping and bought XXXX item for either XXXX or XXXX dollars. 
Within the next week the paper work came. 
When I realized that the guy lied, I called and left a message that I wanted to cancel the card. They said someone will call me back. 
A woman, a manager, called me and told me at a later date and told me that I was late on my payment. 
I think the late charge at the time was XXXX dollars. 
I explained what happened. By then, I had checked the reviews and they were terrible for XXXX XXXX XXXX. So, I told her that it wasn't right etc... 
I remembered to my surprise ( I was XXXX ) She answered that " it was me who misunderstood because of my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). So, I'll suggest you pay the money and get on with it! '' Ha. 
I hang up and I paid what I owed. 
In it's entirety. 
Then, I cut the card up and was done with it. 
XXXX XXXX - I've attached a copy from XXXX where anyone can see that the dates on the report don't make sense at all. 
I am asking XXXX XXXX XXXX  to please provide me with all records because they should not do this to anyone.

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 2023-01-05
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been problematic getting this resolved. I have no point of contact by email, chat or written communications digitally. I am also not able to connect with XXXX XXXX This account does not exist. It is the result of someone using my identity and past address, over 2 years after the last time I was there, and every creditor and provider was aware of where I was. XXXX Fraud can not find the account, presently, closed, or in archive. There is no record of this account that XXXX XXXX is describing in writing, nor does the information match the " database update '' account number they provided. 

My phone number was also different. 

Birthday is fraudulent, my birth date is XX/XX/XXXX. 

I was out of this address by XXXX, I was not using this card during the dates listed that I can find history of. The account information provided to me is fraudulent. 

According to XXXX Fraud Department, there is no account open or closed in my name being reported to the Credit Bureau. 

I also recorded the call at XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
https : XXXXXXXX XXXX  This is Bank Reporting Fraud, Banking Fraud , Credit Reporting Fraud, and Credit Card Fraud. 

It is shadow identity fraud.

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 2022-11-13
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

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

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

Company 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 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

Company 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 2022-11-01
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:
Update my personal info, delete the accounts ' violating the FCRA and delete the unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Nelson Cruz & Associates LLC
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:
A recent review of my credit report revealed a collection account from Nelson Cruz and Associates with a date of 2016 which is past the statute of limitations to collect debt in the state of Florida, this company is not licensed to collect debt in Florida and I have no knowledge of this unverified debt. I want this debt removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
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: Reporting company used your report improperly

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was issued a credit report by Equifax with the confirmation number of XXXX, after reviewing the credit report I noted that Equifax had been reporting my name as XXXX XXXX on it with an outdated address reporting as my current address. Since this credit report was grossly inaccurate I sent a challenge into Equifax to correct this information and haven't heard anything back. 

Background In XX/XX/XXXX, I underwent a legal name change from the name XXXX XXXX XXXX to XXXX XXXX XXXX. After the name change, I notified all the credit bureaus to update their records with the court order. All the credit bureaus did update their records to the new name of XXXX XXXX initially, but for some unknown reason Equifax has took it upon themselves to change my credit file back to my old name and publish an outdated address as my current one ( this has caused several accounts to go missing on file ) I have tried to correct this information with Equifax to no avail, and at this point I believe Equifax is working with a third party ( s ) to commit fraud against me to cause me financial harm. I have previously requested that Equifax send me the contact information for this third party who is either furnishing and/or instructing the credit bureau to publish this grossly inaccurate information, Equifax never responds to me or provides me with the third party ( s ) information in accordance with the credit laws. My recent challenge sent to Equifax dated XX/XX/XXXX and Delivered Certified Return Receipt ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I receive repeated collection attempts from COLUMBIA DEBT RECOVERY LLC DBA GENESIS attempting to collect money that I DO NOT OWE to previous apartment complex XXXX XXXX. Before ending my lease at this apartment, several letters were posted on my door, and I assume other tenants ( XXXX XXXX ) concerning options to end lease due to COVID-19 income loss. During this time, our leasing office had no one working on the premises for months - I reached out via email and asked a representative what kind of notice would I need to provide to end my lease and I was told that I needed to provide 60 days notice to avoid having to pay any additional money. I provided written notice via email early XX/XX/2020. I received no collection attempts for ANYTHING owed by XXXX XXXX until Columbia Debt Recovery started harassing me and placed and erroneous {$6000.00} collection debt on my account. They have provided a print out with a break down of charges but I dispute them wholeheartedly. I was given permission to break my lease with 60 days notice and I do not owe this money that is hurting my credit. I request that this account be closed and the balance deleted from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TransferWise Ltd
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
They wont give my back XXXX XXXX, Thanks for getting in touch! 

In my previous email I mentioned that I was referring to the email screenshot you sent with 4 transfers in an email from Wise. Those are the ones we saw were already refunded. I've attached the screenshot you sent us for clarity. 

You have now confirmed that these other 4 transactions are the only transfers you are stating were not made by you. 

XXXX ( https : XXXX ) - XXXX USD XXXX ( https : XXXX ) - XXXX USD XXXX ( https : XXXX ) - XXXX USD XXXX ( https : XXXX ) - XXXX USD We will be sending you our final response shortly. 

Thank you, XXXX Complaints Officer | Wise XXXX XXXX XX/XX/2023, XXXX XXXX XXXX ( https : XXXX ) - XXXX USD XXXX ( https : XXXX ) - XXXX USD XXXX ( https : XXXX ) - XXXX USD XXXX ( https : XXXX ) - XXXX USD Those havent been chargeback. My bank told me you declined those claim. You havent refund me those yet. 


XXXX XXXX ( Wise ) XX/XX/2023, XXXX XXXX Hello XXXX, Thanks for getting back to me so fast. 

From the screenshots ( to confirm with you ) you're stating that the following transfers were not made by you to this recipient : XXXX - XXXX USD XXXX - XXXX USD XXXX - XXXX USD XXXX - XXXX USD XXXX - XXXX USD We're aware that you've already filed chargebacks with your bank for the XXXX transactions in the email screenshot and thusly have already been refunded. 

Please let me know if I've misunderstood anything. 

Thanks, XXXX Complaints Officer | Wise I didnt even talk with someone from fraud department? I got spam. I told my bank. They told me I could speak with you about this matter. This person hack my account and took my money. What should I do? This is ridiculous. All they say is Wise doesn't help me in any way. I will never do business with your company if you don't protect my account. I have lost XXXX from your business. You won't even investigate it. You keeping saying you don't get involved with dispute. 

The person is blackmailing me and forcing sent email to you. He make me screenshot and sent email to me. I told my bank. He might come back to me and my family. First he targeted my school and classmates XXXX customer is blackmailing me. I am scared of my life. I think he is trying hack my account before and sent himself the money. I have called my bank about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Frontline Asset Strategies, LLC
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have no kowdeldge of this account I have never done any business with this creditor. Please remove this account from my consumer report per to failing to comply with 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: In progress
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: NJ
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:
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. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those 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 de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten 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 explanation
Consumer complaint received 2022-11-15
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: Information belongs to someone else

Complaint:
It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed Fraudulent accounts and information completely from my Credit File. I was a victim of identity theft and that the accounts I am disputing were the results of such crime. I have been asking to the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies od proof of verifcation if the Credit Bureaus claim that the disputed items belong to me. The Credit Bureaus have failed to send me copies of documents I have been asking from them. I have also sent dispute letters to the Credit Bureaus attached with complete documents of proof of identity and Identity Theft Report I received from the FTC. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and requesting the Crediet reporting Agencies to remove the disputed items before I am forced to take legal actions. Once again, please remove the following items completely from my Credit File : o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2022-11-15
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 submitted a letter to the 3 Credit Bureaus XXXX XXXX XXXX to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT, and I'm including these again. 

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