BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-23
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. I sent a Creditors Validation letter to NCC Business Services XX/XX/2017. Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. NCC Business Services claims I owe a debt from an apartment complex that I actually left on my given time. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. I sent them a letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case, the debt was validated in thirty days ( 30 ) by NCC Business Services. Therefore, by the FDCPA that NCC Business Services was not able to prove that I had a left over balance. So, NCC Business Services was supposed to inform me and XXXX XXXX that they are removing themselves from my credit report for not being able to validate the debt. I have my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them and record all the calls on my behalf. Under the State of Texas Recording Law and NCC Business Services agreed to the recording by accepting my authorization letter signed by me giving XXXX XXXX XXXX authority to speak on my behalf. As you going to see the letter state that all calls will be recorded on my behalf. I am going to provide the recording, the creditor 's validation letter, the mailing dates they received the letter. Now, according to the FDCPA that is the Fair Debt Collection Practice Act the collection company has thirty days ( 30 ) to respond to the letter. Neither one has made an attempt to call not send me a letter stating that they have validated the debt nor have the ceased all collection efforts because they can't validate the debt. According to the FDCPA, a collection company must cease all collection efforts and remove themselves from the consumer credit report if they can't validate the debt ; unfortunately, NCC Business Services is not abiding by the FDCPA. At, this time I like for an investigation to be started for the removal of NCC Business Services from my credit report. I am going to provide all my evidence to my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
In XXXX of 2018 I requested XXXX, Transunion and XXXX to validate the collections that they have reported on my credit report. XXXX, Transunion and XXXX failed to send me any information that the collections belong to me. 

Collections that are being disputed Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: EQUIFAX, 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'm ask the credit bureau to remove fraud inquiry from my report they told me they don't dispute inquirys i need to contact the company and i did the company said dispute it with the bureau so i don't known what to do please help. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from  XX/XX/XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX I did not open or authorize this account, and I therefore request that it be closed immediately. I am a victim of identity theft, and did not make the charge [ s ]. I am requesting that the items be blocked to correct my credit report.I also request that XXXX/XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX. XX/XX/XXXX {$960.00} XXXX XXXX/XXXX XX/XX/XXXX {$100.00} XXXX/XXXX XX/XX/XXXX {$3400.00} XXXX XXXX XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$450.00} absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-30
Company: TSC Accounts Receivable Solutions
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I had XXXX XXXX followed by intensive XXXX  to recover. My bills were numerous, and I reached my out-of-pocket limit on my insurance. I had several rounds of XXXX that were over my insurance allowance and these series were " re-upped '' by my carrier on multiple occasions for continued treatment. My last treatment in XXXX was on XX/XX/XXXX, which should have been covered by my policy. Instead, the final treatment was declined by insurance as being over my XXXX limit. After spending over XXXX in one year on deductibles and copays, the additional {$200.00} was an additional burden I didn't want to incur. I resubmitted and appealed to my insurance several times, but finally ended up paying the bill out of my own pocket to avoid having this go to collections. 

However, a collection still landed on my credit report, which was pristine ( not even a late payment ) prior to this. First, it was for the entire bill amount, which I disputed and had removed from all three credit reports, then this faux debt was reinserted on my XXXX report for a {$22.00} fee from the collection agency itself. I have tried to dispute this, had it deleted and then reinserted on my report again. 

I paid the original creditor ( which I never should have had to do in the first place ) but I was trying to avoid having this bill go to collections. I have never had any business with this collection agency, and they are in violation of the FDCPA by continuing to reinsert this bogus {$22.00} collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I began the process of buying a new home on XX/XX/2022. On XXXX XXXX, my mortgage lender contacted me to say there was a lock on my Equifax credit information. I promptly contacted Equifax and they said the lock was lifted. The mortgage company still could not access the information. After several phone calls, I was told I needed to submit proof of identity and on XXXX XXXX I faxed the requested documentation to Equifax. I was told it would take five days for them to resolve the issue. I called them on XXXX XXXX to check the status and was told they had not seen the fax and to check back in another 5 days. I called again on XXXX XXXX and was told there was a flag on my information and directed to another part of Equifax to fix the problem. The new office said they saw nothing wrong. We reviewed all my information and everything appeared correct but my mortgage company still could not access the information. I had attempted several times to log into the Equifax website but had problems establishing the account. Finally on XXXX XXXX, I was able to reach a tech person who was able to establish an online account for me. Once I gained access to my online information, I discovered that my birthdate was listed incorrectly. I was told if I subscribed to their Equifax ID Patrol program that I could get my dispute resolved quickly. I did so and submitted the required documentation to show my correct date of birth. The website response was that resolution would take up to 30 days. We are scheduled for closing on the new home on XXXX XXXX and will not be able to do that without my lender having access to my Equifax information. I risk losing the house along with the money already paid for appraisal, home inspection and pest inspection, totaling more than {$1000.00}. I have repeatedly been given incorrect or misleading information by Equifax and it is potentially can cost me the home I want to purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: TX
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-06-16
Company: Berlin-Wheeler, Inc. (Kansas)
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Consumer Finance, On my 3 credit reports there is an unpaid collection account for {$240.00} by Berlin-Wheeler , Inc.. 

This was paid on XX/XX/2022 and attached you will have the receipt- they agreed for a " pay to delete '' and it was to be deleted from all 3 credit bureaus. 

I have contacted Berlin-Wheeler, Inc. as well as the original creditor, XXXX XXXX XXXX and the 3 credit bureaus since then, with documented proof, it has been paid, and to delete as that was the agreement. 

The collection agency blames the 3 credit bureaus, the 3 credit bureaus blame the collection agency, and I want this to be reflected as paid and deleted - I have requested this for going on 90 days to be fixed. 

In addition, the same companies, put on a duplicate collection, as unpaid, then moved to paid, and then removed - as we agreed - yet this one remains! 

Its a simple fix - simply remove as it was a duplicate and should not be there- we agreed to a pay to delete and that needs to be done. 

I am beyond frustrated as this is damaging my credit. 

I have paid the collection, provided proof, and it should reflect accuretly on my credit reports.

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 2019-02-04
Company: XOOM CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Someone incorrectly used my email address when they signed up for the Xoom service, now I am receiving copies of their transactions that go through via email. I called Xoom to have them remove my email address from the account in the name of XXXX XXXX XXXX, and they assured me they would, but I just received another set of transaction details. This is a violation of XXXX 's privacy rights. I have records for two of the transactions XXXX on XX/XX/2019 and XXXX on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: EQUIFAX, INC.
State: NY
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 preciously notified Equifax that I am a victim of identity theft, and the fraudulent information is still there on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
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:
I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX, XXXX, TRANSUNION AND XXXX   XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018,  includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX, XXXX, TRANSUNION AND XXXX continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the 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 explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: TX
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions 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 submitted a complaint last XX/XX/2022 to remove : XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these items again.

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 2015-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion has erroneously changed the status of my XXXX XXXX XXXX account to " late ''. This account was paid in full and my reports reflected as such. Upon a credit pull today, my report changed to " late '' thereby affecting my score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely 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 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 2021-05-30
Company: EQUIFAX, INC.
State: NY
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:
Ive tried to reach out to Equifax and they have refused to help clear up the problem. This XXXX credit point drop caused me not to able to apply for an apartment and a job. Im currently unemployed and homeless due to Covid19. Equifax is playing games with my life and they have utilized this crisis to cause problems for our consumers. Equifax has updated the account from XXXX and it caused for the credit rating to drop from good to bad credit. Ive called their customer service and some of the agents are not able to communicate properly. They appear not to be stationed in the USA and the language barrier prevents me from communicating properly and giving them the information, Im not sure if they understand the scope of the problem they caused for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
it was a work related incident where I worked for a company XXXX and some wires where pulled down and the work place and the electric company wherein dispute as to who 's financial responsibility it was. the electric company wasnot getting results and decided to bill me personally. an XXXX bill. which wedid not pay and it was sent to collections. we sent it to the work lawyers and they said they would take care of it. it was paid a XXXX which I was unaware of tillnow when I applied for a mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America has unlawfully charged me monthly maintenance fees on my two UTMA custodial accounts for my minor children. Ive been repeatedly charged $ 12 monthly maintenance fees for both of my UTMA accounts over several years. Ive tried to have this issue fixed several times but the waiver of being a minor has not been placed correctly and we continue to be charged on these two UTMA accounts, Id like all fees returned for both custodial accounts as this practice is unlawful. 
Ive called in several times and also gone into branches, Im told its fixed then it starts again. Originally I was told a {$25.00} weekly transfer will waive the fee but the accounts are UTMA accounts and dont require a minimum amount. It seems to be the wrong account type has been the issue and bad information has caused this issue.

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The unverified accounts specified below continue to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/, 2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not verify these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$27.00} ; XXXX XXXX Balance : {$0.00}

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