BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-15
Company: Financial Accounts Service Team Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I rented a home from XXXX XXXX. After renting this home from a licensed real estate broker, I learned that the homeowner had not paid their association dues in years. My family and I were unable to use any of the amenities advertised with the rental of the home. We also started to receive bank notices from XXXX XXXX, that we did not open, in the homeowners name signaling that they were not paying the mortgage either. Several key appliances for the home broke and the homeowner would not fix them. In XXXX, XXXX XXXX dropped this homeowner for cause and left me stuck to try and negotiate with the homeowner that XXXX XXXX  's owner XXXX XXXX, had told me were impossible to deal with. 
At this time more appliances broke and the air conditioner leaked into the home causing black mold to appear. The homeowner once again would not fix appliance or the air conditioning unit or the mold. I sought legal council. He informed me I had no lease and should move which I did. 
5 months after vacating the home and returning the key I received a collection notice from Financial Accounts Services Team, INC that XXXX XXXX was trying to collect {$9300.00} from me. I immediately contacted XXXX XXXX and he told me " OK. You can just pay collections when you want it removed from your credit report. '' He also told me he had an eviction. If he has done this it is an illegal eviction in Tennessee. I have no idea if this is true as I was never served and did not live or have keys to the residence. This home has been in their possession for 6 months and has been listed for sale. I immediately faxed proof that XXXX XXXX had broken the lease, that I had moved and the debt was not a valid claim on XX/XX/2020. I stated not to contact me again. On XX/XX/2020 at XXXX XXXX EST, I was called on my cell phone by Financial Accounts Services Team, INC. The lady was rude and abusive. I told her I had sent the fax and she said they would continue to call and harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2022-12-21
Company: National Credit Systems,Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I leased an apartment at XXXX  XXXX from XX/XX/XXXX XXXX XX/XX/XXXX. When my lease was about to expire, I was informed I could do a month-month lease which will not be bound by any contract whatsoever and could leave whenever I felt fit. I enrolled in a month to month and stayed through till XXXX while also notifying the office of my intent to move in XXXX via a written document that was presented to the office secretary. 

On the XXXX of XXXX, I turned in all keys and fobs and vacated the apartment with the approval of the manager XXXX XXXX. I submitted a forwarding address to receive any letters that the apartment might decide to send. On XX/XX/XXXX, I noticed a collections account had been filed on my credit report and immediately called the apartment inquiring why, I was met with disdain and hung up on by the worker XXXX  who told me she would be sending an itemized bill as to why I was being charged {$4100.00}, she did not however follow up. I called incessantly for months after that and was met with no help. 

In XX/XX/XXXX after almost 2 years of no communication, I received a letter from National Credit Systems requesting to negotiate my collections, in which I demanded an itemized report and a validity of this debt via email and mail on XX/XX/XXXX, to which none was responded to. Instead I was badgered with calls asking for a negotiation to pay off this debt even after explaining I was not responsible for this and was wrongly charged by the company. 

This apartment has a long standing extorting its residents. I am a student and have fought tooth and nail to earn the score I have, and this falsely reported collections has done me much harm including my denial of a new apartment and is causing me much emotional distress as I have to move out of my current apartment by the end of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XX/XX/XXXX / amount $ XXXX/XX/XX/XXXX amount {$1500.00} filed ftc report and police 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 2023-08-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
I'm dealing with a really tough situation that I want to explain in simple terms. 

First, I tried to open business accounts at different banks, but they all said no. They told me it's because of something called XXXX. This was a sign that something was wrong. 

Then, I applied for an account with XXXX XXXX XXXX XXXX. But here 's the problem : they never got back to me about my application. After waiting for a whole month, I decided to call them. They told me I already had an account with them. I told them I didn't make that account, but they didn't believe me. Now, it's been about two months, and they still haven't fixed it. They're saying it's a case of fraud, and I have to deal with a special process to sort it out. 

I checked my XXXX reports to learn more. It was frustrating to see that there were 3 or 4 different names listed, and they weren't spelled like my name at all. Some even seemed like girl names. Also, there were addresses I've never lived at, but they seemed to have a connection to my last name. 

I tried to fix this mess. I asked them to take out the wrong names and addresses from my records. I also made sure to lock my records so that no one else can mess with them. But now, I'm seeing more banks on my records that are close to where I live. I've never done any business with them, but they're saying things about me that aren't true. 

I reported the identity theft to the right people, and I even have a paper that proves it. But even after all that, I checked my credit report and saw things that didn't make sense. There were things listed that I didn't recognize, like addresses I've never been to. 

What's making me even more worried is that I'm seeing hard inquiries from places like XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. But I never asked these places for anything. It's making me anxious because it feels like someone is pretending to be me. 

So, I'm writing this letter to ask everyone who has the wrong info about me to fix it. I just want them to take off the things that aren't true. This whole situation is really tough for me, and I hope they can help me make it right. Thanks for listening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: PA
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:
When I took a look at my consumer report I was shocked to find that income was reported on it. Any charge off/canceled debt is considered as a certificate of indebtness in the eyes of the IRS and it is income. The laws specifically states that income can not be reported on a consumer report. 

In accordance with the fair reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally pursuant to 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 a reasonable cause to believe that information is inaccurate. As it is proven that the IRS consider these things as income making the reporting of it inaccurate, these agencies are still willfully choosing to violate federal law. On top of that, they " verified '' these accounts. I am demanding to see what methods they used to verify these accounts and I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file ... means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information... including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I voluntarily gave the car back. Told them to pick up the car from another dealership twice. They still never got the car and they froze my payments. Then out of no where decided to mark me as late payments or missing payments when I no longer have the car in my possession.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 non-monetary relief
Consumer complaint received 2022-08-17
Company: Rhode Island Student Loan Authority
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: Account information incorrect

Complaint:
I sent a letter on XX/XX/22 requesting verification of a late payment showing on my credit report for that account. The company did not send any reply within the 30 days allowed by law. They are now in violation of FCRA for failure to report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company Portfolio Recovery Associates LLC, XXXX XXXX XXXX XXXX Virginia has employees that claim to have my social security number on file and threatened to use it against me ( " XXXX XXXX '' x XXXX ). When I asked them to remove my personal information from their database they refused even though the data is over 7 years old and incorrect!!! The Operations Manager named " XXXX XXXX '' x XXXX boldly refused to comply with the law and delete what they claim to be is my personal information from 10 years ago! XXXX said, " We only have your basic information like social and birthday ''!!!!!. Then when I asked again just to make sure : Are you saying you have 10-year-old personal information on me and you will NOT delete it? He said, " Correct. We will not delete it from our records because you still owe us money ''. XXXX then had the audacity to complain that I had not sent PRA a " fraud packet '' with a copy of my drivers license and other very personal information! Account numbers # XXXX and # XXXX need to be deleted from their data bass and they need to stop harassing me and damaging my credit score. They are stopping me from being able to have a home during the CORONA VIRUS!!!!!! This is a TRUE scam!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15
Company: Hollis Cobb Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Patient Account Bureau aka Hollis Cobb associates. 
The hospital sent my bill to this collector. I had set up a payment agreement with a third party. PAB took a payment of {$170.00} from my checking account ( which was agreed to prior to third party payment agreement ). 
I have tried unsuccessfully to have the {$170.00} refunded to me. Representatives of PAB agreed I was entitled to the refund and submitted a request of the refund 6 weeks ago. 
I have not received the refund and I am unable to speak to anyone at PAB that can assist me. A representative places me on hold to wait to speak to the person handling my account that is never able to speak to me. They take my name and phone number to call me back and I never receive a call back. 
Please help me in resolving this seemingly simple issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
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:
INFORMATION ON MY CREDIT REPORT IS INVALID AND NOT METRO 2 COMPLIANT AND NEEDS 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 explanation
Consumer complaint received 2019-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I disputed several erroneous accounts, address and inquiries in late XX/XX/2018, with all three credit bureaus. I believe I am a victim of identity theft due to multiple security breaches on my personal accounts. I am requesting the incorrect information is removed and blocked 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 explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2019-08-06
Company: ENCORE CAPITAL GROUP INC.
State: WI
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:
On Tuesday XX/XX/XXXX Some credit collector named XXXX called XXXX XXXX - who works for a company I do business with. He called his cell looking for me. He did not say He knows me. He is from XXXX  XXXX.He said if I happened to know you to give you his number. XXXX called me and notified me of these details and also said the deal we were working on was cancelled- costing me {$5000.00}. I will be suing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BB and T apparently was purchased by Truist and I received a notice of short escrow by {$590.00} and I called BB and T and was told Truist was the holder now and I asked to have someone call me back, but without me being notified on XX/XX/28 They auto drafted out of my account {$590.00}, I feel they should have told me they were going to auto draft that out before they did that OR given me the opportunity to just allow the monthly payments to increase, but to have no notice that they did that seems to wrong.

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