BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: TX
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:
Contacted and disputed XXXX  account deleted because it was not my account with all 3 Major US Credit Reporting agencys from XXXX XXXX XXXX XXXX. The account has not been deleted.

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 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Trans Union is sending mail to the wrong address that has been closed since XX/XX/XXXX. Why they are doing this when they have my correct address clearly on file, is beyond me. I never authorized them to send mail to any invalid address. When the forwarding is expired the mail will be returned right back to them. So they can either fix it or keep sending it to the wrong address. Should they keep that up their excuses will not be accepted. See all attached especially the address listed from my report recently run on 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 explanation
Consumer complaint received 2023-04-13
Company: The Receivable Management Services LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Receivable Management Services placed a debt of {$220.00} on my credit profiles with XXXX, XXXX and XXXX. I sent a certified letter on XX/XX/2023 to Receivable Management Services asking for a copy of the contract I signed with them requesting services. Receivable Management Services has failed to send me any type of signed contract between myself and their company. But, they are still reporting to XXXX, XXXX and XXXX that I owe them {$220.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern, The reason for my dispute is MEADE & ASSOC # XXXXXXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, MEADE & ASSOC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) MEADE & ASSOC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation MEADE & ASSOC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. MEADE & ASSOC has not even tried to contact me regarding this unrecognized collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Atlas Services, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I called after receiving letter.. verified income and then verified current budget.. offered reasonable payment of XXXX $ per month for XXXX worth of collection due to being primary income and hardship. No negotiation. stated I can pay the current amount suggested but they would continue with action against me. 

i stated I was willing to set up settlement or monthly payment. They were not willing to do either. I stated I would like to avoid court costs and negotiate terms. They stated they would not be willing. 

Phone call XX/XX/2018 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: IL
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 have violated my federally protected consumer rights. 

- 15 U.S.C 1681 section 602A section 2 : states I have a right to privacy.

- 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

- 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 of 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 1681 s-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 reasonanble cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION ''15 USC 1962e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTYER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Under complaint number XXXX Transunion reported that two XXXX XXXX accounts were, but they are being reported on my most recent consumer credit report as of XX/XX/2023. This is what I mean as predatory reporting and activity. CFPB even referred to them as " out of control repeat offender ''. 
TransUnion is an out-of-control repeat offender that believes it is above the law, said CFPB Director XXXX XXXX. I am concerned that TransUnions leadership is either unwilling or incapable of operating its businesses lawfully. 
This statement alone proves that they can not be trusted, and their practices are unlawful. There are several unauthorized inquiries on my report. I was recently had adverse action against me as I was denied for a home loan. My Transunion score is the lowest of all three major reporting agencies and they have double accounts. They are reporting that I have over XXXX in XXXX loan debt when that is simply accurate. They refuse to give me their verification process through CFPB or when I call them. They have made false claims to the companies listed on my reporting stating that I am claiming identity theft when in fact I stated that Transunion has stolen my identity by furnishing a consumer credit report on my behalf. By law they can only do so under written instructions of the consumer. I have never consented to allow Transunion to furnish my identity to anyone. Transunion is defaming my character with these inaccurate accounts they are reporting. They are causing harm to my family and I. This reporting is causing my mental health instability by receiving adverse action against me and daunting phones calls from companies that I have no legal obligation to. I have requested that they cease and desist from reporting all hard inquires and negative reporting accounts. These companies like XXXX XXXX, XXXX XXXX and XXXX credit are not even authorized to conduct business in my previous state XXXX and my now new home state of 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 2022-11-22
Company: OPTUM BANK, INC.
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I wanted to rollover my XXXX money from my previous employer with XXXX XXXX  as my XXXX account holder, into Optum bank, to my new XXXX account. I printed out their form from the internet and sent it to XXXX XXXX to transfer the money. XXXX XXXX sent a check to Optum bank to rollover the money. Optum bank said that they did not receive the check. I contacted XXXX XXXX, and they sent me a copy of the check that was cashed by Optum Bank, with the dates and routing numbers on the check. I contacted Optum bank several times to try and resolve this issue, but all they keep saying is that the money did not go into my account, so there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I called Chase asking about applying for the XXXX XXXX relief because my area is the number one hot spot in the country. I have XXXX I explained that to the rep and was told dont qualify for relief.I told her I am on unemployment because of my condition. I asked to give a valid reason why I couldnt get XXXX XXXX  relief couldnt give me valid reason.believe I signed for insurance on credit card if I get sick or laid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: MI
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:
Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXX  XXXX, MI XXXX, But bureau reported that I have many addresses like XXXX XXXX XXXX  XXXX, CA XXXX XXXX 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/2023 Pursuant to 15 USC Section 809 ( B ) I'm putting you Midland Credit Management on notice that your claim is disputed and validation of the furnished account I received in the mail. The letter is dated XX/XX/2023. 

Midland Credit Management has not supplied proof under the doctrine of estoppel by slience, Engelhardt v. Gravens ( mo ) 281 SW 715.719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

I have a right to this information, as it's directly associated with the mail I receive and I'm requesting the following : * Signed contract with my wet signature giving you to contact me in regards to the alleged debt * Purchase Agreement * Evidence that you are a licensed debt collector. 
* Chain of Title Proof that you are a licensed debt collector to collect in my state.

* A requested copy of your State Department of Commerce and Insurance Certificate.

* A REQUEST FOR ACCOUNTING REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210s and This authenticated record must include all tax fillings ( including 1099 's 1096 's and 1098 '' s ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as it's directly associated with the reporting.

And the following questions and information answered truthfully under oath : 1. Are you the owner or Assignee of this alleged account?

2. What are the terms of the transfer of rights regarding this alleged account? 
XXXX. Does a verifiable, bonafide original commercial instrument between the debt collector and alleged debtor containing alleged debtor 's verified, bonafide signature? 
XXXX. Did you purchase this alleged account from the alleged original creditor? 
XXXX. If so, what was the date of purchase of this alleged account from the original creditor and purchase amount? 

This is also a notice for you to CEASE & DESIST all Communication and Collection activities in regards to the listed account above with 15 USC 1692c ( c ).

Failure to stop contacting me through the mail in 15 days as requested will result in legal matters being taken and me turning you Midland into the ( FTC ) Federal Trade Commission for aggravated identity theft, Fraud, and for violation of the FDCPA. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this may be tendered as evidence of failure to comply. 

In Good Faith Without Prejudice By : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: Experian Information Solutions 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:
*** ( Please be advised this complaint is for FAILING TO NOTIFY ME OF REINSERTION OF A PREVIOUS BLOCKED ACCOUNT*** Please do not over look this issue as you did in my previous complaint Experian has failed to notify within 5 business days of reinserting previous deleted or blocked account information for the account listed XXXX # XXXX ( VIOLATING THE FCRA PART ( A ) ( 5 ) ( B ) ( ii

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 2023-11-15
Company: Relay Financial (US), Corp.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX XXXX  I sent a bank wire transfer from my business account held with www.relayfi.com to my personal account held at XXXX When the money wasnt credited to my XXXX account on XX/XX/XXXX, I reached out to XXXX and was informed that due to a recent banking partner change those funds are now with XXXX 's old banking partner XXXX XXXX and trust and that i needd to contact Relay for them to issue a wire recall so the funds can get back to my Relay account. I immediately recahed out to Relay and requested a wire recall while speaking with ccustomer care rep XXXX. 

On XX/XX/XXXX, I was provided with a wire recall confimration number of XXXX by Relay and since that tiem i have called and emailed RELAY every day to get an update as the fudns are not back in my account. 

I recahed out to XXXX multiple times and they stated according to banking regulations it is up to RELAY to use the XXXX service to follow up on the recall and make sure it is credited back to my account as the money is currently sitting with XXXX 's old banking partner Evolve bank and this is a bank to bank process using fedwire and there is nothing I can do about it on my end. 

Relay ha sbeen an absolute disaster as they do not seem to have nay knowledge of how to get this done and my money is missing. As a small business owner it is extremely difficult to ddeaal with this situations as i have unpaid bills piling up incurring late fees and interest charges. Relay simply has failed to perform their fiduciary responsibilites as a custodian of my assets and keeps giving me a run around

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, 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:
Equifax is reporting a XXXX account # XXXX That does not belong to me. It belong to a company that I worked for as an employee. I have disputed this account multiple times with the XXXX directly and they have not deleted the account from my report. It is also showing the account type as unknown. I need XXXX to delete it as they are reporting inaccurate information in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: AMERICAN EXPRESS COMPANY
State: NH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I had fraud committed on my XXXX credit card account by my ex-wife. Charged over {$2000.00} by my ex-wife unbeknownst to me. I found out about these charges when I was refinancing on my house and the mortgage company went through my credit history. XXXX Company 's excuse was that my ex-wife opened the card when we were still married and decided to use the card after the divorce and I have the deeper pocket so I am responsible for the charges. There is no voice authorization said I accepted my ex-wife into my account let alone no written authorization. XXXX kept saying that because I was once married to her that I am responsible, and if I wanted to cancel her account or even my account so I do not do any more business with the XXXX ; I have to sign admitting that it 's my fault which is not! The company knows I am trying to keep my credit rating up so they are going after me even though it 's my ex-wife who charged all the money! I am the victim of fraud, and I advise everybody to not have this happened to them especially when you go through a divorce. Do not let this happened to you! Especially with XXXX Co. they are the worse customer service to deal with in fraud especially when you are the ACTUAL victim!

Company response to consumer: Closed with explanation