BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-07
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National Credit AdjustersXXXX XXXXXXXX XXXX XXXXXXXX XXXX VISA is illegally reporting my private information to an uninterested third party/public reporting agency without my authorization, and attempting to illegally collect a debt. I am requesting full deletion of the information being reported on my Consumer Report as well as the balance showing on any accounting ledgers associated with any derivation of my name which is my private DBA. 

Please make note of the following discrepancies I will litigate/enforce if this is not removed from all collection efforts and accounting ledgers : 1. The alleged obligation must be referred to the United States for collection of said obligation [ per 18 USC 8 ], not to me.

2. This reporting has not been permitted or ordered by any court, and is consequently being done in violation of [ 15 USC 1681b ]. Any agreements alleging to give permission to report or furnish a report are hereby rescinded for reason of a mistake being made under duress. 
3. The debt collector has no wet ink signature of mine showing any agreement to any obligation to engage with me for any reason. They do not have permission to have acquired my Location Information or any other pieces of Personal Identification Information. Any alleged permission obtained by my signature is hereby rescinded for reason of a mistake being made under duress. I do not wish to contract with National Credit Adjusters for any reason and revoke any alleged or implied agreements made on my behalf without my knowledge or consent.

4. The Finance Charge should have been my balance [ per 15 USC 1605 ], which means this alleged debt is not the correct amount showing on my Consumer Report. This was not disclosed to me properly. 

This is an official notice to cease and desist collection and communication attempts, and a request to delete all of my information completely from their internal record keeping systems, and any reports made by them in whole, on all applicable Consumer Reports.

Any failure to comply with this request will result in further Administration and Enforcement of all violations of federal regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a freeze on all of my reports. A company XXXX XXXX XXXX pulled my credit report by saying it was FRAUD ACTIVITY on my account. Per I do have an account with this company and this is not the first time they have tried to pulled my report. I do not understand why you need to constantly pull a credit report if someone already has a account. 

So In order to pull my report they had to state that I was doing something Fraudulent. I called to ask them what was I doing Fraudulent and each time the disconnected the phone call, three times. I need this inquiry deleted from my report. I have contacted XXXX and they are insisting that I get a letter from this company and the company will not even speak to me. This report was done in FRAUD. I will be also getting a police report. 

Thank you

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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 contacted Tranunion XX/XX/2022 and sent in all of the necessary information that the FTC instructed me to send after I was victim of identity theft. I dont check my credit report often or at all for that matter so I was not aware of these things until I recently made an attempt to move. After Transunion received the identity theft police report, FTC affidavit, FCRA Section 605B, my identifications, and statement noting that the transactions are a result of identity theft, Transunion responded in an effort to treat this situation as a general dispute and forced a 30 day investigation on me as if Im lying about being a victim of fraud. It is belittling, unbecoming and hindering my life. They made no effort to contact me within the 4 business days required in effort to block the fraudulent information being reported and its preventing me from moving into an apartment home. Ive attached Tranunions responses and have the full transcripts via the XXXX XXXX XXXX XXXX ID # XXXX. The complaint was closed as resolved but there was not an actual resolution. The fraudulent items still remain there and at this point transunion is in direct violation of the law.

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 2021-11-07
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I fell like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items writing 30 days gives a reason to immediately remove these items from my credit report. It has be over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information may also have been impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: General Motors Financial Company, 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 am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: PENTAGON FEDERAL CREDIT UNION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
my credit limit was once XXXX dollars. i have been paying on my card for a long time. i think pentagon closed my card improperly and did not notify me properly to get legal representation in my matters. I do n't think my account should have been closed for late payments and i have been paying on the card for over 10 years and it should be reopened without having to reapply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
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:
Page 1 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 Account # XXXX has violated my rights. XXXX Account # XXXX has violated my rights. XXXX XXXX Account # XXXX has violated my rights. XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX and Account # XXXX has violated my rights. XXXX XXXX XXXX XXXX # XXXX has violated my rights. XXXX XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States | have the right to privacy. XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX Account # XXXX and Account # XXXX has violated my rights. XXXX XXXX XXXX acount # XXXX has violated my rights. XXXX XXXX  acount # XXXX has violated my rights. XXXX XXXX XXXX acount # XXXX has violated my rights. XXXX XXXX XXXX acount # XXXX has violated my rights. XXXX XXXX acount # XXXX has violated my rights. 
15 U.S.C 1681 Section 604 A Section 2 : It V 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 all 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 2020-07-02
Company: EQUIFAX, INC.
State: TN
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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX {$0.00} XXXX  XXXX {$130.00} XXXX  XXXX {$27000.00} XXXX XXXX {$22000.00} XXXX XXXX {$6000.00} XXXX XXXX {$1100.00} XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have made a transfer of XXXX on the XX/XX/XXXX. I contacted coinbase via phone no response, via email which they replied saying they have seen the problem and will resolve this however this has not happened. Its been exactly 20 days with no help. I would like my money back or for the money to be transferred ASAP! Thiis very bad customer service and I am extremely disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: National Credit Adjusters, LLC
State: AL
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:
XX/XX/2020, I sent a letter to NCA, after already disputing the account, stating a settlement offer on an account. Upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/2020, the XXXX XXXX XXXX XXXX, # XXXX was cashed. As of XX/XX/XXXX, I have not received any notice and the account is still showing on my credit reports. I disputed the entry still being on my credit report with XXXX and they came back as verified account but did not removed and said it would remain. I request all references to be removed from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently reviewed my Credit Profile and see numerous unauthorized inquiries and accounts. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.

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 2021-11-07
Company: EQUIFAX, 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Colony Brands, Inc.
State: DC
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:
XXXX & XXXX ( aka XXXX XXXX ) is reporting my accounts as being charged-off. However, I have been making payments through XXXX XXXX XXXX, every month, since XX/XX/2017. The creditor is reporting a charge-off, even though I have been faithfully making the payments on a proposed payment arrangement that THEY REJECTED. At the advice of XXXX XXXX XXXX, I made the payments, regardless. They have accepted those payments, because since XX/XX/2017, they have not issued any refunds of the payments ; however, they continue to perniciously report these accounts as a charge-off. The documentation indicates they are now acknowledging payments, but deny the dispute I have submitted at least five times through all three credit bureaus. The erroneous reporting continues to adversely impact my overall credit rating and credit scores, which paralyze my ability to do anything, even though I earn an adequate salary to become a home-owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Eastern Revenue, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On Sunday, XXXX/XXXX/XXXX, I received a credit alert from XXXX  and XXXX that a new collection account has been added to my credit records. I have no knowledge about this alleged debt, did not receive any notification surrounding this debt, etc. Therefore, I am requesting the company that reported this account, EASTERN REVENUE INC, remove the negative reporting from my credit records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I wish to file a complaint against Bull City Financial Solutions for listing a zombie debt of {$6800.00} on my credit reports and ruining my credit. I paid an account off with XXXX XXXX XXXX XXXX in XXXX. I pulled my credit reports in XXXX XXXX, I find a collection account on my credit reports from Bull City Financial Solutions opened in XXXX XXXX for the account I paid off at XXXX XXXX XXXX XXXX in XXXX. I am very upset about this! Bull City Financial Solutions needs to remove this account from my credit reports immediately. Bull City Financial Solutions is/has violated the FCRA and my consumer rights. Please make Bull City Financial Solutions remove this fraudulent, inaccurate and erroneous account off my credit reports. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I would like to file another complaint against Experian. On the last credit report I got from Experian it states that the XXXX  XXXX XXXX account number XXXX was a charge off and that the account was paid in full. On the credit report it states that the last payment was received on XX/XX/XXXX. So, if the last payment was received on XX/XX/XXXX and the account was paid in full then why is it showing on my credit report that the account went into a charge off status in XXXX, XXXX. On the credit report there is no issue of there been a delinquency before the XX/XX/XXXX. On the same credit report it says that the account is paid in full and on the account summary it says : Account balance : {$1000.00} Date Payment RECEIVED : XX/XX/XXXX AMOUNT PAID : NO DATA SCHEDULED PAYMENT AMOUNT : NO DATA So, Experian is saying that the account is paid in full and payment was received on XX/XX/XXXX but yet they are saying that they have no data on the amount paid or the scheduled payment. This credit report is loaded with so many inaccuracies I am submitting a copy of my credit report from Experian with all these inaccuracies

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 2021-11-06
Company: JPMORGAN CHASE & CO.
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:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureau is reporting inaccurate information on XXXX  XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Ability Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The name of the company. 

XX/XX/2018 debt amount XXXX. They are unable to validate the debt. They are unable to provide proof that the debt is mine. 

The address is XXXX XXXX XXXX XXXX, PA XXXX THE ABILITY RECOVERY SERVI 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 2017-12-27
Company: Sky Blue Financial Services, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Ordered their basic service and was not supposed to be billed until 6 days later but was charged immediately. Can celled and have not received a refund Ordered their basic level of service at {$59.00} on XX/XX/17. Was also made to pay {$15.00} to their credit report service that they insisted they needed to do their job, but is another company. My card was not supposed to be charged for 6 days from the date of account creation yet I was charged immediately where upon I informed them that I wanted to cancel and get a refund as they did not follow through with their promised action. To date I am still waiting for my money back. I have called them and they claim it is the bank holding my money in a pre-authorization state. The bank claims it is them and that it would fall off after a week yet it has now been over two weeks.I also called and cancelled the credit reporting service that was a mandatory purchase for their service yet is a separate company.I plan to continue calling both parties- the bank and sky blue but judging by their actions so far it would appear like they have better interests than giving me my refund.

Company response to consumer: Closed with explanation