BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-14
Company: Direct Recovery Services, LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
With reference to the letters dated XX/XX/XXXX2021 ; XXXX XXXX, 2021 ; XX/XX/XXXX2021, all delivered by recorded mail. In those letters I asked you to provide the following reasonably requested specific items : 1. Proof of Claim that the alleged liability has been created in the form of an original contract. 
2. Proof of Claim that the alleged liability exists in the form of a verified true bill signed by your client and charged to XXXX XXXX pursuant to the The Bills of Exchange Act 1908, Section 23.

3. Proof of Claim that DIRECT RECOVERY SERVICES , LLC has the legal right and lawful authority to attempt to enforce collection of the alleged liability in the form of Proof of Agency. 

I hereby serve Notice that failure to provide Proof of Claim by DIRECT RECOVERY SERVICES , LLC has created a permanent and irrevocable Estoppel by Acquiescence, forevermore barring DIRECT RECOVERY SERVICES , LLC from bringing any and all claims, legal actions, orders, demands, lawsuits, costs, fees, levies, penalties, damages, interests, liens and expenses whatsoever, against XXXX XXXX. 

It is important that you acknowledge and understand that this is not a letter but a legal notice, which is a consequential specie of correspondence. I hereby declare that the law of agent and principal shall apply and that service upon one is service upon another. 

Furthermore, your failure to provide Proof of Claim in the form of the above reasonably requested specific items comprises the tacit procuration of DIRECT RECOVERY SERVICES , LLC agreement to the following lawfully binding terms and conditions : 1. That the alleged debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages I may suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further.

6. You have not proven any debt. If you sell the alleged liability, and/or appoint an agent to act on its/your behalf in this matter, you will have broken our lawfully binding agreement and you agree to pay the following fee schedule.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-07-06
Company: Frontline Asset Strategies, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I asked frontline assist to verify all information as to how this debt is owed to them by me, verify a wet signature within 30 days of those letters i sent to them but again they sends bills but will not verify or send the original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2022, IC Systems contacted a person other than the consumer that they were looking for XXXX XXXX about an alleged debt and violated FDCPA and my consumer rights. The IC Systems representative told the person on the phone that they were calling to speak to XXXX XXXX and that she owed a debt. They never stated they were a debt collector, they falsely represented themselves stating, this account was placed at their office, which is not true. And they stated that they were going to garnish my wages which is another violation of 15 USC 1692e ( 4 ). IC Systems was not given permission to have and/or use my nonpublic personal information by requesting me to verify my social security number, which I never gave to them. 
I looked up IC Systems and they are clearly a debt collection agency, they falsely tried to represent themselves as an agent of the state of Kansas, violation of 15 USC 1692e ( 1 ). This is a clear violation of 15 USC 1692b ( 2 ), IC Systems is using unfair practices to collect an alleged debt. 
IC Systems has used abusive, deceptive and unfair debt collection practices and misrepresented themselves when trying to collect an alleged debt from a consumer. 

IC Systems has failed to comply with the provision provided under the Fair Debt Collection Practices Act.

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 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent dated XX/XX/2021. However, any modes of response or coordination were not taken on their end. Transunion Credit Bureau has failed to comply with the Fair Credit Reporting Act, XXXX USC Sections 1681i within the time allowed by law, and the inaccuracies about my accounts are continuously reported on my Transunion Credit Report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$68.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$67.00}

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 non-monetary relief
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
a set of Hard inquires on Transunion report even with identity alert on file. I do not have open accounts XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/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 2022-10-04
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of Transunion to retain disregard a consumer 's appeal for the alteration of the disputed account on my Credit Report. In my case, Transunion has kept reporting the disputed account saying that the information they gave is precise, with which I seriously disagree. I've talked to the furnisher and they've agreed to CORRECT the account BUT TransUnion has some internal block which they're claiming they can use to not correct the account because they feel they're above the law. They have an internal policy ( which is OUTSIDE FCRA laws ) and they're unwilling to explain why won't accept the dispute letters and complaints. Transunion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) of FCRA laws so please correct and update this account : 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 2022-10-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance : {$4900.00} ), XXXX XXXX ( Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$1500.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$160.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$83.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$100.00} Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Experian Information Solutions 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:
I have submitted these accounts to Experian and XXXX for over a year now with Police report and FTC identity theft report. Still they have not removed the accounts from my credit report. Transunion has deleted the accounts already. 
XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXXl acc # 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 2023-02-19
Company: EQUIFAX, INC.
State: MI
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 1 fraudulent inquiry on my credit report, I dont give anyone permission nor did it place them on my credit report also I have. I have XXXX fraudulent addresses I wont removed XXXX XXXX XXXX - XXXX XXXX * XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX, MI XXXX * XXXX XXXX XXXX  XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent a request to Experian to verify the accuracy of a Public record XXXX XXXX  Bankruptcy because I had never seen it before and it is not reporting to XXXX or XXXX. I wanted to know where they received this information from and how was it verified. They updated me that it was accurate but never stated where or what court verified this information. 
In accordance with the Fair Credit Reporting act Experian reporting a XXXX XXXX bankruptcy, 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 an 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 2023-10-23
Company: EQUIFAX, INC.
State: MI
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:
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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: LEXISNEXIS
State: UT
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:
i have received my disclosure from LexisNexis and XXXX, XXXX said it comes back verified as accurate when the issue is LexisNexis doesn't have a bankruptcy listed under my report as it was deleted for unverifiable information, the address on the bankruptcy is not my address as my student lease was somewhere else, it also says not represented by attorney, but yet it shows attorney XXXX XXXX XXXX. also i contacted the XXXX XXXX court/ LexisNexis/ XXXX and they all said they cant verify the information as none of them share with XXXX parties so XXXX lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: PENTAGON FEDERAL CREDIT UNION
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:
XXXX client, XXXX XXXX is a victim of identity theft. She received an attempt to collect a debt related to this account established with XXXX XXXX in XXXX ; her information was used without her consent to establish this account. XXXX XXXX was cpontacted via phone and was told this account was fraudulent XX/XX/XXXX, a current reported amount of the account is {$6500.00} dollars was and still is being reported to XXXX XXXX XXXX XXXX credit bureaus. A police report was made concerning this account and that information was mailed certified with return receipt XX/XX/XXXX ( tracking number XXXX XXXX XXXX XXXX XXXX ) to the address listed on the credit reports for XXXX XXXX. This dispuite was received by XXXX XXXX XX/XX/XXXX at XXXX. My client received via mail, dated XX/XX/XXXX a XXXX XXXX affidavit, asking for the previously received and signed for FTC affidavit, police report and PII again as well as the XXXX XXXX   affidavit. This is a violation of the FCRA. Once the account was known fraudulent via the phone call XXXX XXXX had an obligation to send that affidavit and request for information to my client and they failed to do so. Now after the dispute information is received they are asking for an additional affidavit to be completed BEFORE they will conduct an investigation. THe request from XXXX XXXX has been honored and the request dispute information has been mailed again however ; under FCRA sec 611 ( a ) ( 1 ) ( 2 ) ;  XXXX XXXX already received the dispute information XX/XX/XXXX and so far the item of the account and collection have not been removed from the credit reports, this action is a violation of FCRA.

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 2023-02-19
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts are on my personal credit report but do not belong to me and need to be removed immediately from my credit report. 

XXXX XXXX XXXX  XXXX XXXX account # XXXX XXXXl XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for a care Credit card last year to pay for a medical procedure.. I logged in and noticed that my available credit amount changed I now have the procedure scheduled but will have to cancel do to my limit changed from {$5500.00} to a little over {$800.00} I have never heard of a company doing that I feel that the company is awful considering its a medical credit card.. clearly I obtained the card for medical reasonI called and I was told they did a review of some sort ( didnt really care to explain much ) and decided to decrease my limit I asked to speak with a supervisor and he didnt seem to care at all as I explained my medical issue this company is horrible and will not recommend to anyone

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: BARCLAYS BANK DELAWARE
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX, I had my air conditioner replaced by XXXX XXXX XXXX. I paid them over {$1400.00} outside of my warranty for duct work and other items. I paid for this on my Barclays Aviator MasterCard. Two weeks later, the unit malfunctioned and was not working. It was over 90 degrees in my house. They were unresponsive by phone, their emergency line, email and XXXX. Another company had to come repair he unit and told us the wiring was not grounded properly which caused them to start on fire and short and then they melted together and the unit wouldnt work. We were told that our house could have burned down. The repairman from the 2nd company also told us that the duct work completed was shoddy and we needed to have it fixed. I told this to XXXX XXXX XXXX, the first company, and again they were unresponsive so I filed a dispute on my credit card for what I paid them so I could hire someone to come fix the duct work. I dont know the exact date but they wanted all of my documentation and I sent it to them. They received it on XX/XX/XXXX and have been reviewing it for two months with no progress. Ive been told several times that it was being escalated. Ive been getting the run around for months and I need help. They have a lot of information that I sent to them for documentation. They say XXXX isnt responding to them which is the same issue I had with the company. They wouldnt even respond to my XXXX XXXX XXXX complaint. I told XXXX from the disputes department today that I was filing a complaint with the CFPB.

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 2022-10-04
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Identity theft victim please see attached 
1. FTC report
2. Fraud Report 
3. Police Report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
no bad dates should appear on credit report. i wish they would be take off! 
30 days, 60 days, 90 days, 120 days should be take off. only ones pushed back XXXX, XXXX XXXX all of them should come off because i called the office and talk to some one. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NTL RECOVERY AGENCY  ( collector ) XXXX XXXX ( originator ) {$1300.00} ( amount ) Opened 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 2023-01-13
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the GM card with XXXX by Goldman Sachs in XX/XX/2022 about 10 times at their request because they kept saying they couldn't verify my identity. Each time I applied I had to upload my Identification... I submitted my Passport and Driver license on multiple occasions and kept coming back cant approve because we cant verify your Identity. When I would call to ascertain what the problem was the customer service reps would always say we don't know what the problem is just try again. Now it seems like their using some third party company to verify identity but they refuse give me their information. If I uploaded different Identification 10 times for this card and their saying they cant verify my identity that's a problem and I'm entitled to know the source of this inaccurate information!!! I don't feel comfortable with my personal identification being uploaded into someone database and their saying they cant Identify me. This is unacceptable!!! I have credit cards with different banks and have never experience this treatment of we cant approve you because we cant verify your identity when you have my Passport and DL uploaded in your database. No company should ask people to keep applying and not try to rectify the problem. The last person I spoke to was a XXXX and her supervisor and he just stated I cant give out any information pertaining to this matter. Very nasty and wouldn't help me rectify the situation so I could be approved. I'm entitled to know whose reporting inaccurate information on me!!!

Company response to consumer: Closed with explanation