BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-06
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC SYSTEMS INC is attempting to collect a debt that is unverifiable and I do not owe. I expect a cease and desist and item to be deleted from all major credit reporting agencies, this inaccurate and false reporting is hurting my financial goals. I have never done business with this company and have no agreements with this company. IC SYSTEMS INC is  reporting invalidated information on my credit reports, this action might constitute fraud under both federal and state laws.

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 2021-09-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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:
Hello, I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature. I am a victim of identity thief and these are all the unauthorized items on my report once I noticed I got attacked in this horrible way. I am now requesting for the 4-5th time to get these items removed because its messing up my creditability and future relationships with creditors. I filed a police report that I sent to you, the other 2 credit bureaus and each creditor in the last 2 weeks. Please update me with the new credit report once my profile is update. Thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts ; XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$12000.00}, XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$6100.00}, XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX Balance : {$220.00}, XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$1000.00} Its been over 45 days and ( credit bureau ) havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Card was opened sometime in 2014 later found out there was an individual in Colorado that had a fake copy if my SS card and a do with my name .This account was opened along with many others.I already sent this company a copy of policy report and proof of residency .I live in Texas.do NOT live I Colorado   or who where accounts were opened.already sent this company proof of residency for 4 years a year ago.this is hurting my credit.this is their fault.i was a victim of Id theft. My ss # ends in 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 2020-02-06
Company: TrueAccord Corp.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX has been harassing me stating they overpaid me on a sale of tickets. I have proof that the amount paid was the correct amount that I sold the tickets for. They state they overpaid me by {$110.00} and have now turn this over to a debt collection agency. This is completely a false and bold lie on the part of XXXX and the debt collector trying to get {$110.00} from me. The debt collection agency is Trueaccord and the person who sent me the false email is XXXX XXXX The last photo is the transaction is question. It shows the amount that was paid to me from XXXX of {$76.00} which is the amount i sold the 2 tickets for. XXXX claims they overpaid me by the {$110.00}. This is a 100 % false lie. More proof can be given and shown when requested. XXXX and true accord are are attempting to collect monies not owed to them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Experian Information Solutions Inc.
State: WV
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 sent in bank statements to verify my late payments on credit report dispute XX/XX/2020 thats been reported and Experian never change or dont think they took there time to investigate proper on XX/XX/2020 I call and spoke to ally bank and they stated there end was not completed yet so how Experian done a proper investigation they also put a late payment on my report for XX/XX/2020 thats suppose to be waived do to covid-19 please look in to this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: IL
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
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: Account information incorrect

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report Collection Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor name : XXXX XXXX Collection Creditor : XXXX COLLECTIONS Original Creditor Name : XXXX XXXX XXXX Collection Creditor : XXXX Original Creditor Name : 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 2017-10-24
Company: NCB Management Services Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have communicated XXXX with a XXXX XXXX XXXX at NCB Management Services on several occasions. On more than XXXX occasion I clearly asked that all communication be made via post and to no longer call me. 

I made these requests on about XX/XX/XXXX, XX/XX/XXXX, and other dates. My do not call request was noted in the system. On XX/XX/XXXX, at XXXX pm the same person called me ( XXXX XXXX again, the very person who put the note in the system ) concerning the debt and I brought this to her attention. This was the second time they have called me after I have requested being put on the do not call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Experian Information Solutions Inc.
State: WA
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 account is in Forbearance states from XX/XX/XXXX-XX/XX/XXXX but XXXX XXXX XXXX posted a 90 days late in XX/XX/XXXX and a 120 late in XX/XX/XXXX. I contacted XXXX XXXX XXXX and they were unwilling to correct the reporting and told me to send in a dispute to the credit bureaus. I sent in the dispute with documentation from XXXX XXXX XXXX that proves my account is in Forbearance during those dates. XXXX was able to remove the 90 day late and the 120 day late due to the supplied documentation but XXXX  was only able to correct it to show that it is " paid as agreed '' in the comments but the 90 day late and the 120 day late remains. i was told by XXXX that XXXX XXXX XXXX was n't willing to remove that. This does n't make sense. If there is n't anything due and it is current how can it still show 90 and 120 days late? XXXX was able to clearly see that it should n't be reporting that way but XXXX wo n't make the change.

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 2022-04-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
We have been Citibank customers for over 25 years with a very high credit score. We detected unauthorized charges to our Citibank card in XX/XX/XXXX. We immediately contacted Citibank 's fraud unit; reported the charges as being unauthorized and requested that the card be immediately cancelled. Citibank failed to cancel the card until we called again to complain. The charges total up to {$11000.00}, all of which were incurred at various XXXX XXXX XXXX we have never been to in XXXX, XXXX and XXXX, XXXX. The charges occurred over the course of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - XXXX. The charges start at around {$50.00} and increase in {$10.00} increments up to approximately {$100.00}. There are anywhere from 15 to 25+ charges in a single day. We have called Citibank at least 1-2 times per week for the past 4 months to make sure the charges are dropped from our statement as they remain as part of a balance on our account. We always pay off our balance each month but refuse to pay this balance. Citibank needs to address this issue yet they issued us a letter that states " this was not fraud '' because you did not report a stolen or lost card and is asking us to pay the {$11000.00}.

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 monetary relief
Consumer complaint received 2021-10-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
After reviewing my file Equifax has helvey and associates reporting as Miscellaneous Reporting Agency which is not a closed date and has no information. Therefore Equifax has reported inaccurate information on my credit report and a violation under fcra. Equifax must remove that item immediately from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: FIRST ADVANTAGE CORPORATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On the XXXX of XXXX First Advantage ran a background check on me and reported outdated information ( over 7 years old ) to my prospective employer, XXXX XXXX. 

In the copy of the report I received the search period was conducted from XX/XX/XXXX to XX/XX/XXXX. The case they reported was settled on XX/XX/XXXX and is currently going through the expungement process. Since this case was settled outside of the 7 year reporting period it should not have been sent to my employer. I have not had this charge show up on a background check for several years until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Pursuants to 15 USC 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. i never gave written consent to report anything on my consumer report. No consent is identity theft! I sent in detailed letters on XX/XX/2022 explaining that there is unauthorized Inquiries on my consumer report and not only are my rights being violated they are not in compliance with the FCRA. It has been 60 days since the letters were sent out and these unauthorized items are still on my consumer report. Seeing these items furnished on my report without my consent is causing me to lose confidence in the banking system and if they are not removed I will not allow XXXX or Transunion to furnish a report for me and I would not like to do business with them anymore.

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 2017-10-25
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: Account status incorrect

Complaint:
XXXX Initial correspondence sent to Credit reporting agency XXXX XXXX XXXX XXXX Transunion XXXX regarding the accurate reporting of items disputed. In letter a requirement was made for all items to be validate 100 % ( Status, amounts, etc ). After review was completed items in question came back verified, however due to inaccuracies in balances reported vs statements received from the Original creditor. 
XXXX/XXXX/XXXX a 2nd review letter has been submitted to have items in question removed as a full investigation was not completed validating all criteria to report the items in question. I feel the items in question were not full investigated as 100 % accurate as required by the FCRA guidelines for reporting information. 

My resolution requested is to remove/delete the items in question due to negligence in not fully verifying all required pieces of information.

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 2017-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XXXX XXXX at XXXX est i called transunion credit services and spoke to XXXX in the usa, to Inform them i was aware of inquirys on my credit report that where deleted from a glitch a while back they had and deleted my inquirys on my report and now they put them back on my report and some others i never made, i told them i know my legal rights and legal protections and that they failed to notify me in writing XXXX days prior to re-adding the inquiries to my report that they were intending to do so. I Demand that all of the inquiries be deleted for this reason and this reason alone from my TransUnion report. My transunion 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 2021-11-11
Company: Experian Information Solutions Inc.
State: GA
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:
Advised all 3 credit reporting agencies of XXXX XXXX which they violated the legal rights of consumers by charging or permitting dealerships to charge impermissible documentary or dealer fees in connection with lease-end vehicle purchases pursuant to purchase option provisions in consumers leases which led into my payoff amount is not correct as to date. 

For over a year I have advised Experian the information that is being reported by XXXX was incorrect. Last attempt via phone 2 weeks ago. XXXX and XXXX has cooperated and deleted the account due to inaccurate reporting from their investigation, which are the same results sent to all 3 bureaus ( 1 company ) but Experian will not delete.

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 2019-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXXXXXX XXXX XXXX, XXXX XXXXXXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX andXX/XX/2018.. inquiries on my credit report that I did not do.. I talk to the representative at Trans Union told her that I spoke with these companies and they had no information about me ever applying I asked her to remove them and she told me that she couldnt do that..

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 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ATTN Fraud Department : Remove fraudulent accounts from my 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 2017-10-25
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a letter from Convergent telling me my account is placed for collection. They provided no information as to what the debt is, they left the creditor name blank, they spelled my name wrong, and the letter they sent was dated about a week before I received it ( XXXX/XXXX/XXXX ) I do not believe I owe this debt. I sent a timely letter informing them as such XXXX XXXX/XXXX/XXXX XXXX, and requested additional information about the debt, and officially disputed the debt. 

I have not received the additional information I requested, and they continue to attempt to collect the debt by phone. 

Instead, they continue calling me and leaving incomplete phone messages. 

I do not wish to be continuously harassed by telephone while they ignore my letter requesting additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I 've always had perfect credit. I went to get a loan on a truck and discovered that I had a derogatory account on my credit that brought my XXXX XXXX way down. I checked it, and it was a collections agency Enhanced Recovery Company reporting a debt for XXXX XXXX XXXX XXXX for XXXX  from XXXX. I have had a XXXX home phone and a XXXX cell phone for over XXXX years. In fact, I have never had XXXX XXXX XXXX. I tried disputing it through the credit reporting agency and got nowhere. I called the collections agency and they want a copy of my license, credit report, and SS #, which frankly I am not comfortable giving them under the circumstances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
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: Account status incorrect

Complaint:
XXXX Initial correspondence sent to Credit reporting agency Equifax , XXXX , XXXX XXXX regarding the accurate reporting of items disputed. In letter a requirement was made for all items to be validate 100 % ( Status, amounts, etc ). After review was completed items in question came back verified, however due to inaccuracies in balances reported vs statements received from the Original creditor. 
XXXX/XXXX/XXXX a 2nd review letter has been submitted to have items in question removed as a full investigation was not completed validating all criteria to report the items in question. I feel the items in question were not full investigated as 100 % accurate as required by the FCRA guidelines for reporting information. 

My resolution requested is to remove/delete the items in question due to negligence in not fully verifying all required pieces of information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24
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 have incorrect information on my Eqifax  credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. Equifax has failed to provide me documentation on file that proves the account is accurate, nor have they deleted the inaccurate unverified accounts. I am requesting that the accounts are deleted immediately

Company response to consumer: Closed with explanation