BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-21
Company: Diversified Adjustment Service, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was first contacted by Diversified Adjustment Service , Inc. on XX/XX/XXXX by email concerning an alleged debt owed to telecommunications company XXXX for {$25.00}. I responded to them by XXXX mail and email on XX/XX/XXXX asking for validation pursuant to FDCPA. I wanted to know why they thought I owed this amount and was legally obligated to pay it. They responded on XX/XX/XXXX with an " XXXXtemized Statement '' that simply listed an " Unpaid Balance '' of {$25.00}. I responded to them on XX/XX/XXXX, again via XXXX mail and email, and stated their response was insufficient. I again asked for validation pursuant to FDCPA and further explained that I paid my account with XXXX in full on XX/XX/XXXX so there was no reason for them to send a bill on XX/XX/XXXX stating an " Unpaid Balance ''. Pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA I demanded they provide me with competent evidence that I am indeed the party that owes the debt and that I have any contractual obligation that is binding on me to pay this alleged debt. Per the FDCPA, I also asked them for the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Proof that, as you stated in your in email to me, that I gave you permission to contact me via email. 
Proof that your agency is licensed to conduct business in the state of Tennessee.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims that have been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt Commission for debt collector if collection efforts are successful. 

They responded to my letter on XX/XX/XXXX with yet another " Itemized Statement '' and none of the information I have repeatedly asked for. They also continue to harass me by telephone even though I asked them not to. I sent them another letter today, XX/XX/XXXX asking them once again to send me the information that I have asked for and to stop contacting me by telephone. I also informed them that I would be filing this complaint. I am attaching copies of all of the correspondence with them to this complaint. 
Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have reviewed my consumer report and would like to inform you of the inaccurate information that you are reporting under fair credit reporting that you are reporting, under fair credit reporting act 15 usc 1681a ( fairness of accuracy ) & 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) ( d ) ( 2 ) ( ii ) the accounts listed as Deptednelnet are currently reporting inaccurate information XXXX, Transunion, and XXXX are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 
XXXX are currently reporting inaccurate information XXXX, Transunion, and XXXX are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law FCRA section 609 Fraudulent accounts include : XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX $ Fraudulent address never lived that : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
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.

DEPTOFEDUCATION/NELNET : {$2000.00} {$1200.00} 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Good day, I reached out to you guys about the lack of respect that Experian has shown me and for the Law, XXXX XXXX ' I disputed a couple of Alleged Debt Collections that were Charged off/Canceled that are still inaccurately reporting on my consumer report, I just got updated that they were verified and I wasn't asking for Verifaction I was demanding for the inaccurate reporting of the Alleged Debts to be deleted because according to XXXX XXXX 15 U.S. 1681 ( e ) income is not included in a consumer report so if income is not part of a consumer report and a charge-off/closed account has been reported it is fraudulent and deemed illegal because they are choosing to post it on my credit profile, they did not follow policy and inform/contact me with a 1099A form which is a violation and did not send me a 1099c form for the gross income that they have written off. IRC section 6500P states Canceled debt of {$600.00} or more is required to file form 1099-C with IRS and issue a copy to the borrower.

15 USC 1681s-2 Responsibilities of furnishers...

15 USC 1681b2 they had no permissible purpose by law to contact any third-party reporting agency with private or personal information without lawful authority. I did not give them written permission to put anything on my consumer report, also according to 15 USC 1681A ( 2 ) ( a ) ( i ) *Transactions are not to be used on a consumer report at all* ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; and this inaccurate reporting would be transactions or expressions according to 15 USC 1681A ( 2 ) ( a ) ( i ) and these transactions are not a part of a consumer report either I need these unlawful inaccurate reporting deleted asap and not brought back XXXX XXXX # XXXX {$4400.00} XXXX  XXXX # XXXX {$3900.00}

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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 2023-01-03
Company: Chime Financial Inc
State: WV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received an email stating that there was suspicious activity on my account, and I needed to send in a proof of residency and an ID verification. I sent in the documents that they requested and was told that someone would reach out to me regarding my account. It has now been over a month, and I have sent emails to their support team, outreach and members services. No response from anybody. When reaching out to their customer service over the phone all they tell me is to be patient that my documents are under review. I have bills that are now behind, and my kids didn't get a XXXX due to their negligence. I have read other consumer reports, and this seems to be an issue for more than just myself. I have done everything on my end they have asked of me, I'm just asking that somebody unlocks my account so I can care for my family the only funds that I have are in that account. XXXX : Sent in my documents ; XX/XX/XXXX : sent in my documents again this time to Chime Support, Chime Outreach, and Chime Member Services ; XX/XX/XXXX : sent in my documents again ; XX/XX/XXXX : asked for an update ( was told to be patient they were still under review ; XX/XX/XXXX : asked for an update again ( got nowhwere ) ; XX/XX/XXXX emailed them again asking for update and sending documents in again ; XX/XX/XXXX : emailed XXXX they responded back stating its not in their hands that it is chime but chime says that it is XXXX XXXX and XXXX called and emailed Chime they gave me same response that i have to email XXXX back office and they will get back to me which i have been waiting for their response for a month now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
This student loan from Department of Education was sold to XXXX XXXX XXXX 2018 and then to XXXX. During Covid-19 I was on a Forbearance and payments were not required. They are listed on my report as XXXX times late and now the status is still as potentially negative as 10 different entries this is one account with a balance of {$29000.00}. There are not 10 different accounts. I have disputed this account 5 times and it still appears on my credit report as a negative account. XXXX, which is my loan servicer has the account status as Exceptional credit. How can one be negative and the other exceptional and it is the same account? I've tried fixing this several times, but it remains on my credit report as a negative account. Can you please fix this since it seems the credit bureau 's are ignoring me? Thank you! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan 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 2022-05-26
Company: EQUIFAX, INC.
State: VA
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 XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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 2022-05-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I got this phone number in XX/XX/2021 after moving to TN from out of state for school. Since that time I have been repeatedly getting calls from " Portfolio Recovery '' multiple times a day, multiple times a week, at all hours of the day ( including overnight ). Initially they left a voicemail asking for " XXXX '' which is not me ( likely the person who owned this number previously ). I have sent an email to them asking them to please stop contacting me but they didn't respond. I have not answered their call fearing it was a scammer. Even though I have blocked them, they call from multiple numbers from all over the US not just one number. XXXX has said I can block a " person '' but only if they called from one number. Since they call from multiple, I can only keep blocking them manually which is not doing anything. They do pop up as " PORTFOLIORECOV '' in my caller ID. 

I just want them to leave me alone and stop harassing me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I do not consent to electronic communications. I request all responses be in writing through the USPS. Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : 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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX XXXX XXXX XXXX XXXXXXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-05-26
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:
I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately or I will file for litigation. 

XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I sent a man named XXXX {$1200.00} in exchange for a bundle of clothes. I never received this bundle. After a couple weeks of purchasing this bundle, and nothing has showed up, I contacted him to ask where it was. He claimed he had shipped it with XXXX, but when I ran the tracking number, he gave me the XXXX system told me that this number did not exist. I kept contacting him to ask for any updates, but eventually he stopped responding. I went into my bank, which is Chase and asked if they could do anything and they said that they would contact XXXX but theres pretty much nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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 2023-01-02
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:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX XXXX XXXX # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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