BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: Uplift, Inc
State: AZ
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:
The account and information listed in the ID Theft Report were opened fraudulently and from an unauthorized use of my social security number and card. I did not authorize these accounts to be taken out, nor do they relate from any transaction by me. 

The company is knowingly and willingly committing Aggravated Identity Theft to collect on an extension of credit and punish me for non repayment of, when I am in fact not the debtor as they are alleging. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Bliley Act, and RICO.

This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a senior executive member of this company put this information on a signed and notarized affidavit under penalty of perjury.

Per 15 USC 1681c-2, the credit reporting agency must block this information from being reported to my consumer report within 4 days of receipt of this ID Theft Report, and I am demanding that you do so. 

Further, I am demanding that this and any account with your company that is attached to my name be deleted from your records and closed for good. 

Thank you for your help in protecting my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no knowledge of this accounts, XXXX XXXX  XXXX, ACCT # XXXX, and XXXX XXXX, ACCT # XXXX but they are being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report.

15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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 2022-12-28
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 602 A. States I have the right to privacy.

15 U.SC. 1681 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 explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the 3 Credit Bureaus last XX/XX/XXXX to correct/fixed these suspicious items. I think you have not validated these items in accordance with FCRA and I will pursue legal action against you. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, Transunion, and XXXX stated that these accounts were properly investigated and verified as accurate but this is impossible since the companies are reporting conflicting information which is supposed to derive from the same source? The high balance, Last verified, date of last activity, date reported, date opened, close date, account description, dispute status, creditor type, payment status, creditor remarks, last payment, are different and therefore is reporting inaccurately. This is grounds for removal of this account from my credit file. 
Under 15 U.S.C. 1681 Section 602 A4, Congress states that as a consumer I have a right to privacy. That right has been violated. 
My rights as a consumer has been violated under 15 U.S.C 1681 section 604 A section 2, which states that a consumer reporting agency may not furnish an account without written instructions from the consumer. I have never given written instructions to XXXX, Transunion, XXXX or any other company to furnish these inaccurate accounts and therefore they must be deleted. 

The above mentioned CRA 's are furnishing and allowing other companies to furnish information on my consumer report which should not be on a credit report according to the FCRA. 15 USC {$1600.00} ( 2 ) ( a ) ( i ) says that the term " consumer report '' does not include ( A ) Subject to section 16815-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report To clarify a " late payment '' is a transaction and high balance, high utilization, a chargeoff etc are all experiences between me the consumer and XXXX, Transnunion, XXXX etc `` 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 non-monetary relief
Consumer complaint received 2023-10-19
Company: College Ave Student Loan Servicing, LLC
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
Im trying to get studaent loan forgiveness. In XXXX my grandma died in XXXX, That summer I was supposed to Take classes, because of Covid I couldnt. I was on schedule to graduate in XXXX of XXXX. In XX/XX/XXXX I tried to reenroll, all of my class were on line. I was diagnosed with XXXX XXXX  and XXXX  I dont do well on line because I cant stay focused, I need an instructor to keep my attention, all of this was due to Covid. Well I failed those classes. After that I had several XXXX XXXX and XXXX. I went XXXX XXXX in XXXX because my parents couldnt afford a XXXX. I have not been able to keep a job no more than 4 months because of XXXX XXXX, I would just start crying, not even sure why but they would send me home. I would then eventually get fired. Im getting harassing calls, Im just asking for student loan forgiveness because I cant afford to pay the loans. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to exercise my rights under the Fair Credit Reporting Act ( 15 US Code 1681a ( 2 ) ( A ) ( B ) ( I ) ) and to bring to your attention the presence of inaccurate information on my TransUnion credit report. 

After recently obtaining a copy of my credit report from TransUnion, I discovered discrepancies requiring immediate attention. The inaccuracies in question pertain to the following : Accounts with XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX show Collections/Charge-off and balances. A 1099c form was never sent by the institutions and per the IRS these chargeoffs were already taken as a loss to the companies therefore it is no longer owed. 

Additionally, XXXX XXXX Mortgage there is inaccurate information regarding a late payment in XX/XX/2022.

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 2018-05-03
Company: Atlanticus Services Corporation
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I got a call at my workplace from XXXX at XXXX XXXX XXXX about an old debt that I co-signed with my father ( deceased ) on his XXXX card about 12 years ago. He used the card to purchase a TV and I co-signed. I never got any written notice about this debt or attempt to collect the debt. I recall that it was paid in full. They said the debt was {$450.00} but they threatened to escalate it to {$4000.00} with legal fees and court costs. I got a second call from the same person on Friday XX/XX/2018 again at my workplace for the same thing. She also threatened to send someone to my workplace to serve me. A third call on XX/XX/XXXX was from XXXX XXXX with XXXX also at my workplace. The phone # they gave me was XXXX and the account # was XXXX. The method of payment they wanted was for me to use XXXX or XXXX with email receipt. I did not agree to that. I asked for a mailing address and he did not give me that information. I did let them know that I disputed this debt and I called the XXXX card company and found out that account was closed a long time ago. I have not heard back since XX/XX/XXXX. I have contacted my Legal Aid office and was advised to file this complaint. I do not believe this is a legitimate debt collection firm since I never received any written notification from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: The CMI Group, Inc.
State: OR
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not recognize this derogatory account listed on my credit report. 

This account was paid in full with XXXX XXXX and I would like it removed immediately. 

All dates are on the screenshot submitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to express my deep concern about the ongoing issue of expired debt still showing on my credit report and being harassed by collection companies. I am a responsible individual who has always made timely payments on my debts, but I am being penalized for something that is beyond my control. 

As you are aware, the Fair Credit Reporting Act ( FCRA ) mandates that negative information must be removed from a consumer 's credit report after 7 years. However, I have noticed that several accounts that are over 7 years old are still showing on my credit report, which is negatively impacting my credit score. 

Furthermore, I have repeatedly asked the collection companies to stop their harassing phone calls and letters. Despite my efforts, they continue to harass me. Additionally, I have written to all three credit bureaus 4 times, but I have only received one response indicating that it appears as though I am working with a credit company. This is not the case, and I am unsure how this response is even relevant to my complaint. 

This situation is not only frustrating, but it is also unfair. I believe that collection companies should be held accountable for their actions, especially when they are violating the law. I urge the Consumer Financial Protection Bureau to take action against these companies and ensure that they are abiding by the rules set forth by the FCRA. and delete these negative expired items right now. 

Account XXXX XXXX XXXX from XXXX XXXX  XXXX from XXXX company XXXX XXXX XXXX was sold to. they are harassing me and i don't like it. 
XXXX XXXX XXXX XXXXXXXX from XXXX In conclusion, I would appreciate any assistance you can provide in resolving this matter. I look forward to hearing from you soon. 

4 credit bureaus letters sent to all 3 bureaus on the dates below and no response at all... reading your website that is not allowed am i reading this correctly? 
. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX 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 2022-06-20
Company: ID Analytics, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have mailed several correspondence to Sage Stream to place a credit freeze on my consumer report. The fax numbers online are not valid for consumers as advertised. I have not received any correspondence that the freeze has been placed. Per certified mail # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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:
My identity got compromise and these accounts were added to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-01-28
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
wells fargo allowed three ( 3 ) times someone from inside wells fargo to cash advance the credit card and then move cash advances into a personal acct. ( SS ) ( XXXX ) and then into a Bus acct. ( XXXX ) A special code was put on card on XX/XX/XXXX to stop these transactions Yet they happened two more times Payments were made to the card from a wells fargo acct. ( not mine ) wells fargo will not furnish this info as they are covering it up wells fargo has tried to confuse the issue by saying I filed a Fraud Claim I did not I filed a Breach of Security Claim wells fargo has admitted that they know it was not me who did these transactions verified by the voice on the phone I have furnished wells fargo numerous times phone numbers XXXX XXXX Case no XXXX and XXXX ( XX/XX/XXXX ) as to where the Breach of Security is coming from wells fargo will not furnish the acct.info as to where these payments and cash advances came from so I can not file a police report I have lots of e mails to wells fargo over the last six months and letters that can be sent to CFPB as you can not trust what wells fargo says I am part of two class action suits that wells fargo has agreed to settle ( add ons and opening accts not authorized ) XXXX XXXX ( wells fargo ) is well aware of these suits Letter dated XX/XX/XXXX from wells fargo is a attempt to again confuse the Breach

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 2018-05-03
Company: Factor Trust
State: LA
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 when online to apply for a payday loan at XXXX XXXX XXXX and in Louisiana you can only get {$300.00} payday so I het enough money to pay back the loan but as I continue on the application I get to the part where I put in the income so I tell that part and as soon as I click the submit button it comes back and say denied and I call the company and they say they run a basic credit check but they must don't have the information update on a daily basis because insufficient income is not a reason to turn a person away if they get {$800.00} a month and applied for a {$300.00} loan. This company need to check into because they have their system messed up for a person trying to get a loan with limited income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
After I asked to not be referred to as formerly XXXX on my TransUnion file, the company sent a letter stating that they did not understand the nature of my request. Or it was illegible.? Then goes on to request examples of other complaints that I may have.

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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have noticed many incorrect and unauthorized items appeared in my 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 non-monetary relief
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX AV XXXX XXXX GA XXXX XXXX D XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX FIN XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$790.00} XXXX  XX/XX/XXXX XXXX 'XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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