BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
UNKNOWN ACCOUNT REPORTING ON MY CONSUMER REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Diversified Adjustment Service, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from XXXX defaulted notes is a violation of UCC 9-110 and UCC 2- 401.They use the Credit Reporting Agency 's to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with DIVERSIFIED ADJUSTMENT SERVICE. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). DIVERSIFIED ADJUSTMENT SERVICE can not and will not ever produce a contract between me XXXX XXXX, XXXX and DIVERSIFIED ADJUSTMENT SERVICE because that contract does not exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Back in XX/XX/2019, a credit monitoring company, XXXX, tried to remove XXXX  XXXX Inquiry on my behalf from Equifax, but Equifax has not removed this fraudulent inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: AmeriHome Mortgage Company, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced and paid off my Amerihome mortgage Loan Account # XXXX, and the pay funding took place on XX/XX/XXXX. I was told that the escrow surplus would be dispersed 15 days after payoff XX/XX/XXXX. And that it could take up to 10 days mailing - arriving by XX/XX/XXXX. Upon my third call to Amerihome I was told that I would receive the check by XX/XX/XXXX. The check has not yet arrived, So I call again and am told that the check was sent on XXXXand that I must wait 30 days, until XX/XX/XXXX. At that point they would stop payment and reissue a check that could take up to another 15 days to mail. Between the message the person that answered the phone keep repeating and being placed on hold I was on the phone for 1 hour and 35 minutes. I asked over and over to speak with a supervisor and told by XXXX that this had to be approved! At about 1 hour and 45 minutes, I was told said she would finally transfer me to a supervisor and in fact transfer me back to the opening phone que, after listening to all the recorded options again, I hung up. I feel like I am being scammed out of my escrow money. it is only {$200.00}, but during this pandemic - everything counts. 

This is NOT how a reasonable financial transfer should work and this is NOT how people should be treated. 

I wonder how many other checks they are holding out on. Or how many people have just given up. 49 day sis to long of a wait. Makes one wondering of the financial stability of the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: NC
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 fourth 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 items 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 items in my credit record that came about due to alleged fraud or extortion. 
Here are the aforementioned items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both areattached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Last reported XX/XX/XXXX {$1700.00} Open balance 11 XXXX Opened XX/XX/XXXX XXXX   XXXX Last reported XX/XX/XXXX {$1100.00} Open balance 08 XXXX  XXXX XXXX  XXXX XXXX XXXX Original creditor XXXX   Opened XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX XXXX   XXXX Original creditor XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$24000.00} Highest balance {$27000.00} Opened XX/XX/XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Reported balance Opened XX/XX/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 2023-02-15
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. and It is not permissible to fail to validate these reporting accounts as unverified information. please investigate the unverifiable accounts : XXXX XXXX XXXX Balance : {$5500.00} XXXXXXXX XXXXXXXX Balance : {$910.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Netspend Corporation
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Paypal pre paid credit card i lost it and had only my handwritten notes on card numbers and i homeless and i could not get them to send me a replacement card even if i paid them for it.i even purchased a another card from same store and same card as previously purchase and they refuse to transfer my life savings at the time was the {$670.00} they had and was all i had and i was sent to prison and that was 5 years ago and they won't even try to help me. Lots of people have story like me they pray on the very poor people and they don't have anyone who cares about hurting and sometimes inadvertently causing people to die in some cases I don't have the old card number anymore because of how long this has taken but I did get another card from them with same information to try and resolve this they take your social security number both times they can not tell me they can't find that they don't want to I gave you my new card number that's what I supplied you with please help me.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

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 2020-09-16
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Enhance Recovery Company has placed a collection on my credit profile claiming that I owe {$130.00} to XXXX. I have never had services with XXXX. Please remove this erroneous collection immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Consumer Adjustment Company Incorporated
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Consumer Adjustment Company, I hope this letter finds you well. I am writing to bring an urgent matter to your attention regarding a fraudulent collection account that has appeared on my credit report. I kindly request your immediate assistance in investigating and removing this account from my credit file.

I have recently discovered that a collection account, listed under Consumer Adjustment Co XXXX, has been erroneously added to my credit report. This account is associated with XXXX XXXX  XXXX XXXX, and I want to emphasize that this collection is entirely fraudulent and should not be linked to my credit history in any way. 

To support my claim, I have filed a police report with the XXXX Police Dept. regarding this fraudulent activity. Enclosed with this letter, you will find a copy of the police report for your reference and review. The report clearly outlines the details of the fraud and confirms that I am a victim in this case.

I am greatly concerned about the negative impact this fraudulent collection account may have on my creditworthiness and financial well-being. It is essential that this false information is removed promptly to restore the accuracy of my credit report.

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request the following actions to be taken : 1. Immediate investigation : I request that you thoroughly investigate the legitimacy of the collection account in question, taking into account the evidence provided, including the attached police report. 

2. Suspension of reporting : I request that you suspend any reporting of this fraudulent account to other creditors, lenders, and credit bureaus. Continued reporting of this fraudulent information would only exacerbate the harm to my creditworthiness.

3. Removal of fraudulent account : I kindly request the immediate removal of the fraudulent collection account from my credit report. This step is crucial to ensure the accuracy and fairness of my credit history.

I understand that the FCRA mandates a prompt response to consumer disputes, typically within 30 days. Given the urgency of this matter, I kindly request that you expedite your investigation and resolution process. Timely resolution of this issue is of utmost importance to prevent further damage to my credit standing and financial reputation.

Please acknowledge receipt of this letter and provide me with a written confirmation of your investigation process and any updates regarding the status of the fraudulent collection account.

I appreciate your attention to this matter and your cooperation in resolving this issue as quickly as possible. I trust that you will handle this dispute with the utmost professionalism and adhere to the necessary guidelines outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
TOOK OUT A NO INTEREST LOAN AT THE DENTIST OFFICE FOR $ XXXXTOLD IT WAS NO INTEREST LOAN. PAYMENTS MADE MONTHLY RECIEVED NO PAYMENT BOOK PAYMENTS NEVER LATE.AFTER ONE YEAR BALANCE WAS XXXX.THEN TODAY I RECIEVED NEW STATMENT SAID MY NEW BALANCE WAS {$4700.00}, {$1300.00} IN INTEREST WAS NOW OWED.I WAS NOW INFORMED IT WAS A DEFERRED LOAN, SOMETHING I WAS NEVER INFORMED OF .CALLED COMPANY AND SAID THEY WERE DECEPTIVE AS WAS THE DENTIST. .INFORMED ME THE LOAN WAS TO THE DENTIST NOT THEM YET ALL PAYMENTS WERE MADE TO THEM.I SAID I WOULD PAY THE FULL BALANCE I OWED MINUS THE INTEREST.THEY SAID YES BUT REFUSED ANY VERIFICATIN BEFORE THEY GOT THE BALANCE.BECAUSE IWAS LIED TO IN THE BEGINNING IREFUSED TO SEND MONEY TILL I GOT A VARIFICATON FIRST THEY REFUSED.SO HERE I AM THE COMPAN WAS CARE CREDIT OWED BY SYNCHRONY.PS CARE CREDIT WAS SUED BY C.F.P.B.FOR SIMILAR REPRESENTATION WITH A # XXXX ACTION

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 monetary relief
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 explanation
Consumer complaint received 2023-03-06
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXXXXXX XXXX claimed I rented property from them in XXXX in XXXX with an original balance owed of {$17000.00}. I can prove that during Covid I was living in my parents home in XXXX I reached out to them to have this debt removed from my credit record in XXXX. They didn't even have any of my personal information like phone number or address. 
They then sold this debt to other collection agencies of which I have also requested they remove the debt as it is not my debt. They have all refused resulting in the current total due of {$18000.00}. I have since filled a police report regarding this fraud and have hired an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Navient Solutions, LLC.
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:
I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 

There was a period of time in my life that was very difficult to handle due to some problem. I always tried my best to get every payment to you on time. I had a few lateness education loans which I paid. I paid every thing a have {$0.00} balance. But old lateness still reporting in my credit report, and ruining credit. 

I am asking you and your company for a goodwill request to remove paid lateness from credit report. 
Thank you in advance for taking time out of your undoubtedly busy schedule to read over my letter. 
DEPT OF EDU/NAVIENT XXXX DEPT OF EDU/NAVIENT  XXXX DEPT OF EDU/NAVIENT  XXXX DEPT OF EDU/NAVIENT  XXXX DEPT OF EDU/NAVIENT  XXXX DEPT OF EDU/NAVIENT  XXXX DEPT OF EDU/NAVIENT XXXX DEPT OF EDU/NAVIENT  XXXX DEPT OF EDU/NAVIENT  XXXX Navient   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A Bankruptcy is showing on my report with Transunion. It is not supplied nor given by the court and is false reporting

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 2018-08-29
Company: Southwest Recovery Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Southwest Recovery systems has repeatedly contacted me and harassed me over a debt that they say I owe and one that I have disputed for years. The client that they bought this debt from deceived me with regard to a website building offer and I canceled after learning of their deceit. 
Southwest has contacted me on at 12 different occasions and has attempted to bully me and harass me into paying a debt that I disagree with. They have never delivered proof of the original debt or amount. 
Today - XX/XX/2018 @ approximately XXXX they called my phone and attempted to get me to provide my date of birth, social etc over the phone. After i informed them that I have repeatedly asked them to stop calling they stated that they would just call again. Minutes after my wife called me to conference me in for someone calling her to ask for me. The same agent of Southwest was on the call and began berating me for hanging up on her earlier and smugly said she would call my wifes phone again. 

This company is very well known to practice harassing and threatening behavior and must be forced to stop or suffer financially for their actions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: AR
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:
To whom it may concern XXXX, Equifax, XXXX The following inquiries were not authorized by me please delete them I have never 1. XXXX XXXX XXXXAccount # XXXX 2XXXX XXXX  -Account # XXXX XXXXXXXX XXXX XXXX- Account # XXXX XXXXXXXX XXXXAccount # XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXXAccount # XXXX XXXXXXXX XXXXAccount # XXXX XXXXXXXX XXXXAccount # XXXX XXXXXXXX XXXX XXXX-Account # XXXX XXXX XXXXAccount # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction I never given my permission for a company to inquire about my credit states any inquiries made are unauthorized the presences of these inquiries on my credit report constitutes inaccurate information which under the fair credit reporting act must be removed once your investigation is completed please send me a copy of my updated credit report. I am a victim of Identity theft and the accounts listed below were established without my consent. I have enclosed a copy of my police report as proof that I have been a victim of fraud and I am Disputing these accounts understand that it is your responsibility to insure maximum accuracy in according to the fair and accurate credit transaction act all Fraudulent accounts must be deleted by a police report I demand that you remove these fraudulent accounts have hurt my ability to obtain any credit.

Thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
My consumer credit card account with capital one has reported a late payment on. I have called Capital one to confirm that the payment was indeed not late and this information is reported inaccurately. 

Please remove the late payment from my account.

Company response to consumer: Closed with explanation