BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company provided a " Financial Acknowledgement Form '' containing my forged signature. 
Note : Company could not provide a valid explanation for this action. 

In a earlier request, company was requested to provide debt validation documents to verify debt. However, company provided a false document as a replacement for a document that it did not possess. 

Additionally, in an attempt to request an explanation of the forged document, the company justified its answer to the Attorney General 's Office and my self with the explanation, " We do not know how to answer that claim ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: C.Tech Collections, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I received a phone call and a voice mail message at XXXX CST from the debt collection agency and in the message they stated it was XXXX which was correct as the agency is EST. I called later in the day to speak to a representative regarding the bill and then Also called back and left a message asking for a call about the FDCPA violation and never received a call. By right I can peruse a claim for this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
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:
The complaint is for the XXXX XXXX XXXX loan which was taken out for my business XXXX XXXX. 

This loan is through the XXXX XXXX and XXXXXXXX XXXX which provides affordable capital and business services to help small businesses rebuild from the Covid-19 economic crisis. 

An LLC is an independent legal entity that is formed under state law. Its independent status means that it has a legal identity that is separate from its members. State law authorizes an LLC to enter into contracts, take out loans, own real and personal property and hire employees in its own name. Hence, The debt belongs to the LLC under established law, not the individual members. 

The loan is in good standing and I have not defaulted. This loan is currently being inaccurately reported on my personal business report not my business credit report. This loan has been removed from one credit agency and should also be removed from XXXX and Experian immediately. Proper reporting should be updated to my business credit 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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2022-12-10
Company: EQUIFAX, INC.
State: OK
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. 

XXXX XXXX : # XXXXXXXX XXXX  : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX : # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have been trying to open a checking account in CHASE BANK for my daughter, and failed. 
We are green card holders and my daughter has only a TIN and doesn't have a SSN. 
After almost two months of back and forth ( in which the bank said they have a technical issue ) - since the first week of XX/XX/XXXX - the bank says now that this is a policy decision and that they do not allow green card holders to open an account if they don't have a SSN.

I know that even foreigners can open an account in the US with a TIN, and I think it is discriminatory for the bank not to allow my daughter to have an account just because she has a green card and a TIN and no SSN yet. 
The bank would not even speak to me anymore about this at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I requested a quick loan of {$700.00} and found out after agree ment that it would cost me upwards of {$3000.00}. This type of lending is unauthorized in the state of XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-11
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:
checking my credit profile ive noticed alot of unauthorized information. this is hindering my personal file. I am intrested in disputing alot of information on my transunion credit 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 non-monetary relief
Consumer complaint received 2022-12-11
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Every month I put in a request to update my personal information but the credit report keeps showing up the same information each month, nothing is being resolved I keep getting denied for new credit or loan I only have five active hard inquiries open and 14 hard inquiries non active but it keeps reporting to my reports which Im having difficulty establishing new credit / loans

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022, I checked my credit report for the first time and found XXXX negative collection debts totaling close to $ XXXX. All of the collections come from XXXX and Convergent Outsourcing, and they are from what seems to be utility companies or being affected by natural disasters or declared disasters in TEXAS. My credit report shows all the collections linked to XXXX Texas Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX Texas XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, Texas XXXX I contacted the three credit report agencies to dispute the collections as identity theft, and so they could remove the texas addresses, they said all collections were linked to the texas addresses and that someone was using my identity because I have never been or even lived in Texas. I live in California. The credit companies could not remove the collections until I prove I did not open them by contacting Convergent and XXXX, but when I talk to those companies, after hours of going back and forth, they hang up on me. I feel frustrated. I will file a police report tomorrow morning.

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 2022-01-25
Company: TD BANK US HOLDING COMPANY
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:
I filed a identity theft report a full years ago which got approved by the FTC. I have my paperwork. So I begin to fix my credit starting with the accounts that was from identity theft. I mailed in all the paper work that was needed to dispute the accounts and at first the company removed the account and a couple months later XXXX XXXX put the account back on my credit report saying that the account was verified. I wrote them asking to show me how they verified the account and what they had to show that they verify the account with. And sent them another copy of the idenity theft report and asking them to show me what they had to to go against the approved report and I never got a response. They just keep adding it back to all the credit bureaus. I heard about company 's doing this to people even after all the trouble a person goes through when they have there idenity stolen. XXXX XXXX don't care what happens to people they want money even if you are not the one who needs to pay it. I going through this with 3 other company who doesn't care about identity theft or what the federal trade commission approved. They just keep saying verified and putting it back on your report because there is really nothing like a no body like me can do against these big company 's. If I had money to pay a big lawyer I bet they would leave it alone but since I can't they just keep on stepping on the little people and getting away with it. It's just not rite. It's hard enough dealing with the identity theft let alone a big company doing what they want to try to get money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-11
Company: Experian Information Solutions 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 the list of accounts below have violated my federal protected consumer rights XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX 15 U.S.C 1681 Section 602 A It also States a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C.1681 .c ( a ) ( 5 ) section States no consumer reporting agency may make any consumer report containing any of the following information any other adverse item of information other than records of criminal conviction which antedates the 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 2018-04-06
Company: Community Health Investment Company, LLC.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
As allowed under FDCPA I am requesting that you allow me to validate the alleged debt. I am allowed under the HIPPA to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more is to only be revealed with patients authorization. Therefore, my request is twofold, validation of debt and HIPPA authorization. Please not that withholding the information received from any medical provider in an attempt to be HIPPA complaint can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider about this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back. If you can obtain this information, I will also need the name of the person providing this data, and the way it was provided. If you can not obtain the information from the original creditor within the required time frame ( 30 days ) please delete this account from all of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08
Company: Experian Information Solutions Inc.
State: MA
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 writing to dispute the information that appears on my Experian consumer 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 non-monetary relief
Consumer complaint received 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have summitted several disputes to all 3 major credit reporting bureaus ( XXXX/TransUnion ) in regards to my XXXX account and the numerous inconsistencies and discrepancies reported on this account by all 3 bureaus. I have requested verification and validity of the these reports, including method of verification of account and all I've received are notifications stating the account has either been updated or verified as accurate. To date TransUnion reports a high balance of {$2100.00}. XXXX is reporting a high balance of {$0.00}. XXXX is reporting a high balance of {$3000.00}. TransUnion is reporting date of last activity as XX/XX/XXXXXXXX XXXXXXXX is reporting date of last activity as XX/XX/XXXXXXXX XXXX is reporting date of last activity as XX/XX/XXXXXXXX  TransUnion is reporting this account is STILL OPEN!! but its charged off???? TransUnion and XXXX are reporting date of last payment as XX/XX/XXXXXXXX XXXXXXXX is reporting date of last payment as XX/XX/XXXX. TransUnion reports no payment history at all. How is this account charged off if its reporting OPEN? If the bureaus are reporting " accurate '' and " verified '' information, why are there so many inconsistencies? If one creditor is reporting this information to them, why is all the information different? I am entitled to a fair and accurate credit report. Credit reporting is life changing and for the bureaus to fail to acknowledge or recognize the blatant and inaccurate reporting and tell me its verified information blows my mind. I demand an investigation onto this matter and a complete reporting on method of verification OR complete deletion of this account from my credit file.

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 2022-12-11
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: PNC Bank N.A.
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:
So I was put under as an authorized user on a credit card so I can build a relationship with. I applied for credit service to help boost the overall score. After doing so the account was closed and dropped my score down, but now it says on XXXX XXXX that the '' authorized user '' is responsible for the account. That was not part of the deal, that original user of the card used {$11000.00} out of the {$15000.00} and left it without making any futher payments. It is going for 3 months since they have made a payment. I have tired to to get in contact and no one wants to answer me. The account was under PNC Credit and again they have not tired to help me out with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-12-11
Company: Spring Oaks Capital, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Nationwide Credit Corporation
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill from the Nationwide Credit Corporation ( NCC ) stating that I owed {$100.00} to XXXX XXXX XXXX XXXX XXXX program for service date XX/XX/XXXX. I immediately responded to NCC denying this charge and sending them documentation that I did not use XXXX 's services for the XXXX school year as my son was in Middle School, where services are not even offered. In addition, the amount they quoted was not even the correct amount that XXXX charged for those services. 

XXXX XXXX schools are dubiously known for their discrimination against minorities. This is another attempt for them to extract fees from a single XXXX parent. 

I emailed the NCC administration twice ( XXXX and XX/XX/XXXX ) of their error and I received another call this week. I told their customer service representative about my email and she acknowledged that the NCC has received my email. However, she could not explain why they were still contacting me at XXXX. 

The NCC is a crooked organization. They are attempting to charge me for services I never received nor agreed to. They can't produce any documentation where I agreed to a service charge nor can they show that my son received any services for the XXXX school year. 

I am requesting that the NCC remove my name and this debt from their records immediately. I am also requesting that they do not contact me about this matter again. 

Please help in stopping this unlawful, discriminatory and unethical attempt by NCC to collect unearned fees from a taxpayer.

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 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Information was inaccurate on my credit report for years after several disputes still remain as accurate on my credit report XXXX XXXX and XXXX, Transunion and XXXX destroyed my credit with failure to properly Investigate my credit report and consider to make the right changes to my report, its been a total disaster with them.They continued even to report after account was payed and closed, which I consider to be fraud and major a violation of my rights.This was totally disrespecful to me it just shows me that people fell to do their jobs don't need to be there.

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