BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-07
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit Collection Service Account # : Unknown Amount : {$170.00} To Collection Manager : This letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement and any other supporting document you may have that I have willingly entered into any sort of agreement with CREDIT COLLECTION SERVICE ( CCS ) and if or where I agreed to have business with you or paperwork contracted for myself, XXXX XXXX & Credit Collection Service. I  have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. 
Unless Credit Collection Service can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above. 


Thank you for your time. 

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 2022-04-26
Company: Experian Information Solutions Inc.
State: LA
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, XXXX XXXX, a federally protected consumer, am filing this complaint against XXXX XXXX XXXX and there is no third party involved. I have sent out a letter to XXXX XXXX XXXX mailed certified dating XX/XX/XXXX. XXXX XXXX XXXX is in violation in regards to the information being furnished on my consumer report. I, the consumer, never gave XXXX XXXX XXXX any written consent nor authority to report to my consumer report. NO CONSENT = IDENTITY THEFT. The following fraudulent inquiries from XXXX XXXX XXXX. I did not initiate, authorize, benefit from, nor consent to any of the listed inquiries and I demand they be removed from my consumer report IMMEDIATELY, as they are a result of identity theft. XXXX. XXXX XXXX XXXX : XX/XX/XXXX AND XX/XX/XXXX. These fraudulent items on my consumer report is preventing me from having an equitable consumer report and causing great troubles obtaining personal property for my household needs. If XXXX XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to furnish these inquiries, I DEMAND these fraudulent, unauthorized inquiries be remove from my consumer report within FOUR ( 4 ) DAYS! If my demands are not met, I will hold XXXX XXXX XXXX CIVILLY LIABLE UNDER 15 USC 1681N FOR WILLFUL NONCOMPLIANCE AND AGGRAVATED IDENTITY THEFT PURSUANT TO 15 USC 1681A ( Q ) ( 3 ). Attached is an FTC IDENTITY THEFT REPORT AND THE ORIGINAL CORRESPONDENCE SENT TO 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 2021-05-04
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I filed a complaint with the XXXX XXXX XXXX concerning XXXX XXXX XXXX in XX/XX/XXXX. I was summoned to court by XXXX XXXX  concerning possession of the property during the COVID-19 pandemic in XXXX & XX/XX/XXXX. And, all both times I was given a continuance until I provided XXXX XXXX with their keys in XX/XX/XXXX. So, prior to this I obtained a new lease with XXXX XXXX XXXX XXXX after XXXX XXXX  mailed me a notice in XX/XX/XXXX for {$6000.00}?! I looked at the notice it said the property had a screens on the windows that had to be replaced. They said the property had furniture left in the home that they would have to remove ( glass artificial flower pot, four XXXX tires, and a water hose in the garage ), therefore I was incapable of receiving my security deposit. I insisted on doing all I could to make regular payments even though were late because I assumed they were willing to work with me because of the COVID-19 pandemic, and the emails they gave me in reference to financial assistance! So, I mailed them bank personal checks, and they mailed them back stating they do not except personal checks! I was almost ready to call them when I received court papers about other reasons unrelated to the pandemic that I was getting evicted. So, basically I was getting evicted because I got married in the home due to the pandemic which was strange. To make a long story short along the month of XX/XX/XXXX to XX/XX/XXXX I received phone calls from Hunter Warfield impersonating XXXX XXXX, then telling me that I still have debt owed to a personal owner of the property under XXXX XXXX. Im still continuing to get harassed over the amount XXXX XXXX wants me to pay them, prior to only wanting possession of there property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I received a letter from SRM collection agency regarding an outstanding debt for {$550.00} with XXXX, which they implied was mine. I have never had an account with XXXX or ever used, or co-signed for someone else to use, their services in any way. The name on the account was for someone with the same first and last name as mine was prior to my marriage ( and name change ) which was years prior to the original opening of the subject delinquent XXXX account. Although I live in the same state as the apparent person who opened the delinquent account, I reside over XXXX miles from the location it was initially opened/activated from. I have also never lived in that part of the state. I have never even had a phone number within the area code of the number associated with the delinquent account, much less the exact number itself. 

On XX/XX/2020, I sent SRM a letter disputing the debt. I requested additional information regarding the debt and clearly informed them it was not mine. 

I later received a letter from SRM, dated XX/XX/2020, further accusing me of the debt and providing me some additional information as requested. I sent them another letter XXXX dated XX/XX/2020 XXXX providing additional information as to why it is not my debt and that I have considered the matter closed as far as I am concerned. 

I received another letter XXXX XX/XX/2020 ) from them, now saying that I had indicated that I was victimized by identity theft. I never said that. I do not believe this is due to identity theft. I honestly believe they are simply accusing me of this debt because, in the past, I had the same first and last name, at one time, and, I happen to live is the same state as the actual guilty party. It appears to be poor or sloppy research on their end as they are absolutely accusing the wrong party of this debt. 

Please help get this collection agency to realize I am not the individual responsible for this account. I never opened it, used it, or ever even had an account with XXXX in my entire life. I consider this matter closed as far as I am concerned and truly wish they would stop accusing me and focus their efforts on locating the actual guilty party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: EQUIFAX, INC.
State: TX
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: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had to get a new XXXX XXXX XXXX account due to fraud last month. The account is not closed, I just got a new account number and card with the same available credit line. Equifax reported the account as closed which caused my credit score to drop several points and for my total available credit, average age, and total number of accounts to incorrectly be reduced as well. I notified the credit card company as well as Equifax. The issue seemingly was resolved when the card reported under the new account number with the updated balance and my average credit age, available credit, total number of accounts went back up and I gained back a few points on my score. However, i'm seeing again today that Equifax is incorrectly reporting the account as closed, and the score dropped three points, and the total available credit, average age, and total number of accounts went down erroneously again. The account is not closed and I'm not going to be losing any points off my credit score because of some XXXX  trying to commit fraud and Equifax did the sme wrong thing again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: T.S. Holdings
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Letter of dispute regarding fraudulent activity & IQ-Data Collection agency.

*Please help in correcting current balance to original balance, updating/removing or closing if no proof of authorizing and/or signed agreement by me regarding collection of any interest, fees, charges or expense added by IQ-Data & not allowed per XXXX & Federal FTC Fair Debt Collection Practices Act* The following are the areas of dispute. 

1 ) Fraudulent activity by IQ-Data.

a ) IQ-Data has continuously and currently collects/ attempts to collect interest, fees, charges and expenses onto the original balance without any known authorized agreement to do such. No known authorized agreement by me to allow such.

b ) The original amount of debt is {$5300.00} and should have remained such with zero added fees etc. not expressly authorized. 

c ) Please verify & request proof with IQ-Data of any authorized agreement by me or original party ( XXXX XXXX XXXX reporting debt allowing such charges. 

d ) If no proof, evidence or response provided from IQ-Data please help with updating/removing or closing from credit report.

2 ) Violation of the XXXX & XXXX Fair Debt Collection Practices Act. Section 808. 

a ) Such fraudulent charges are in direct violation of the XXXX Fair Debt Collection Practices Act, Chapter 14.9, Section ( a ) & Federal FTC Law, Fair Debt Collection Practices Act, Section 808. 

a ) Please request to have proof submitted by IQ-Data of any authorized agreement by me or original party ( XXXX XXXX XXXX reporting debt allowing such charges. 

b ) Unless provided with proof of such amount is expressly authorized by the agreement creating the debt permitted by law or by me please assist in updating/removing or closing from report. 

3 ) Violation of the Federal Fair Debt Collection Practices Act. Section 805.

a ) IQ-Data has contacted my place of employment on XX/XX/2023. 

b ) Current employment is with the XXXX XXXX Department. 

c ) IQ-Data has knowledge that employer is with the fire service & calling a government building. 

d ) IQ-Data has reason to know that my employer prohibits me from receiving such communication due to type of job, nature of job, type of establishment it is. 

e ) All is in violation of the Federal Fair debt Collection Practices Act, Section 805, Communication in connection with debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: InDebted Corporation
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have filed a lawsuit against XXXX XXXX, XXXX and InDebted USA, Inc, Case number XXXX for violation of the FDCPA, MCPA, and Invasion of Privacy.. 

I want to know if The Defendants are willing to agree to waive service? 

*********See attachment**************

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions 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:
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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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 Account name : XXXX XXXX XXXX # XXXX 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 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 2022-07-05
Company: EQUIFAX, INC.
State: CT
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:
Equifax continues to report the same errors on multiple accounts XXXX XXXX is reporting as current with payments and it's been closed since XXXX this shouldn't be on my credit report each bureau continues to report erroneously on an account called XXXX. it was never legally validated and equifax is reporting the DLA as current. all bureaus have different information for a dLA. this should be deleted XXXX XXXX is closed with an erroneous late payment which wells can't find, and equifax reports this as current with payment activity after the close date

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to formally file a complaint against EQUIFAX located in XXXX, GA ; XXXX located in XXXX, TX and XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely EQUIFAX, XXXX AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
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:
the XXXX XXXX XXXX  was never been late as mine account they have to be changing this account with the other people ... this is e big mistake..

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Transunion has failed this consumer : by not adhering, incorporating, and carrying out the policy/procedures laid out ; By National Consumer Assistance Plan, some yrs ago! After countless or numerous times, filing complaints/disputes against Transunion ; involving these Creditors, and accts/debts ( XXXX XXXX, & XXXX XXXX ), and internal investigations render! It had resulted in ; the above listed Creditors, and accts/debts were deleted, and officially removed! Here 's what Transunion failed, and or refused to do, according to XXXX XXXX policies, and procedures : Each CRA must implement a process, for sharing disputes outcomes/results, and consumer info with each other, to improve data accuracy! Had they carried out, their civil duties, and followed that particular policy/procedures! It could or should have ; stopped any further complaints, disputes, and investigations in its entirety! In addition to that, preserved my health at any cost, from adding insult to injury, further harm, relapse, and endangerment!

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 2023-11-18
Company: EQUIFAX, INC.
State: IL
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: Closed with non-monetary relief