BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have seen some credit inquiries reported by XXXX and XXXX XXXX  on my credit report. I have sent both companies letter to get the inquiries removed, never heard any response from neither.

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 2021-02-02
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've reached out to LVNV FUNDING on numerous occasions to verify debt. Only thing they have to send me is a last statement. Nothing confirming the debt is valid or even if I signed a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX placed a collection account on my credit and sent me a bill in XX/XX/2021. 

I did not recognize this account/original creditor as it was for a retail card ( A Store Card which I actually have, but is issued by a bank other than the one this company represents. ) On XX/XX/2021 I submitted a debt validation letter, specifically the one found on the cfpb website requesting proof this debt was mine I received back from Midland Funding a copy of several " bills '' or statements showing my name but a different address. They DID NOT provide proof of ownership as I had requested in the cfpb letter - ie. a signature on an application. 

On XX/XX/2021 I wrote back to Midland Funding an offer to settle the bill to be rid of it, even though I do not recognize it. The offer was not accepted and Midland Funding has again contacted me demanding payment for the account. 

On XX/XX/2021 I wrote to Midland Funding again, explaining that they have NOT provided proof of ownership of the account and as such, I request that they stop contacting me and remove their entry from my credit reports. 

They have failed to remove the collection account or prove it was in fact my account. I request assistance in pursuing them for unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: CHARLES SCHWAB CORPORATION, THE
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have a brokerage account with Charles Schwab that was opened around XX/XX/2021 which was supposed to also include a checking account. I called Schwab 's customer service today on XX/XX/2021 to make sure that I could use the brokerage account and checking account as my main deposit and they informed that XXXX XXXX  found negative information about me. I went on XXXX XXXX to pull my report that they have on me and no such negative information was found. I can attach the report that was given to me. I am unsure why I was declined and feel like my money isn't safe in a brokerage account that I can't easily liquidate when that was what they told me when I was opening the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: EQUIFAX, 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:
Back in XX/XX/2020. A collection showed up on my credit reports for an XXXX returned check. I was contacted by the collection agency after I filed a complaint on your website. They alerted the credit bureaus to remove the collections. XXXX  did immediately. XXXX  did after I complained again and as of XX/XX/XXXX, it was still listed on Equifax credit report. So I sent Equifax a copy of the letter from the collection agency and yet still today XX/XX/XXXX, that collection is still listed on my report. I want this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from Dynamic Recovery Solutions a LLC address XXXX XXXX   XXXX, XXXX SC XXXX, Phone number XXXX, Email XXXX. Their Claim for {$710.00} dollars is a Fraud. They say they represent XXXX XXXX XXXX XXXX and Current creditor XXXX XXXX XXXX XXXX, XXXX. They gave me a Reference Number : XXXX. 

This matter is over 6 to 8 years old. I brought a suit against XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and retained an attorney in XXXX Florida to represent me in the State Court in Tampa FL about 6 to 8 years ago. This case was discharged and settled. Why is it these people are trying to collect on a matter that was closed? I have received many calls from these people demanding to pay {$700.00}. In their last letter they stated if I paid them {$170.00} they would close the case. I stated again this is a Fraud Case.  Please investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: CBC Companies, 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: Credit inquiries on your report that you don't recognize

Complaint:
FACTUAL DATA Credit Unions and Finance Companies Other Than Personal Finance Companies Individual XXXX XXXX XXXX My wife called into our current Mortgage company XXXX XXXX  to only inquire on how it works to pull our equity out early. I was not in the home nor did I give any permission to pull my credit. 

The agent on the phone asked for my wife 's information in order to pull up our current loan. At no point did my wife give permission to run our credit. We specifically only asked what are the steps and how it works if we were interested in pulling our home equity early. We were not wanting to do this at that time nor did we ask or want our credit pulled. 

We did not request a loan of any kind at the time. The hard pull was done without consent as my wife 's call was specifically only for asking about home equity and how it works. Not asking to do this at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have in several occasions asked over the phone that these collectors to send me proof via mail of this so called debt that I have with them. I do not know who they are and I have never entered into business with them. To this day, I only receive daily phone calls which I choose to not answer. First contact to request proof XX/XX/XXXX/2019. Second request XX/XX/XXXX19. Third request XX/XX/XXXX19. I would like for their phone calls to stop. My voice mail isn't set up with my name and yet they leave personal information messages on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: ERC
State: TX
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 has been reinsterted with out having the debt verified, violation of FCRA section 611 15 USC 1681 paragraph 5 I need this removed asap or will file a lawsuit. 

I never had a big bill like that one they are misleading people with please remove asap. Cease and desist immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, and XX/XX/2020 I attempted to transfer funds through XXXX from my Chase Checking Account, to my mother 's XXXX  XXXX XXXX checking account. After a couple of unsuccessful attempts, I contacted Chase for assistance on this matter, which at that time I spoke to a Chase representative on the above days over the phone and in the branch to get assistance on transferring funds from my account to my mother 's XXXX  XXXX XXXX account. Unfortunately, due to the misinformation received from the chase representative, I kept attempting to transfer funds, which was unsuccessful, and Chase closed my account due to suspicious activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
This is not my account nor did I sign anything for this account please review and delete ... this is nog my account its been fraudulently used for over 2 yrs.. opened XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2020-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Navient loan is reporting an incorrect amount on my TransUnion credit report. On XX/XX/2020 I submitted a dispute to correct the information and TransUnion has now completed their investigation but nothing has changed. This clearly shows that they did not investigate the dispute and now is a violation of the FCRA as items are to be accurate on a credit report. I want this item to be deleted. 

Account is DPT ED/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 2020-07-06
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: Personal information incorrect

Complaint:
I have contacted XXXX  for a year now with disputes - they have not resolved this they only send a generic message - FTCA guidelines etc - which is false and inaccurate. They have a company on my credit report XXXX XXXX  whom I have called and verified they have a totally different XXXX XXXX with a social XXXX which is totally not my social nor information- this clearly shows fraud but yet they keep saying its mine. This is my fia attention before The Law office working in this files charges against them - When calling this company you can not get through it takes weeks - after getting through they before its my name and similar XXXX but not my social or ID!!! They have failed to provide documents that confirm this is me, signed paperwork required by FTCA. I have nothing but false reporting in my 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 2021-02-02
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: Account status incorrect

Complaint:
Repeatedly contacted company through mail, phone calls, certified letters with zero progress. Even contacted their executive office which assured it would be expediently rectified and never has been. 

The attached inquiries were invalid and occurred as a glitch in creditor system creditor took accountability and has now sent both Equifax and I removal request 11 times since XXXX of 2020 with zero action on Equifaxs part. 

Additionally Equifax removed account with XXXX and XXXX XXXX were provided everything to have readded and they stated please allow 30 days for those accounts to be readded it has been 4 months. They continue to report error with XXXX  XXXX XXXX  despite constant proof XXXX XXXX XXXX never late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.I am writing in regard to the above referenced accounts and transactions. 
The vehicle was repossessed by CAC in the State of ALABAMA on or about, XX/XX/2017, and resold on or about unknown.Under the laws of the State of Alabama UCC Alabama Code Title 7. Commercial Code 7-9A-205 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies.As per the law, cease and desist all collection activity, including credit reporting.

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 2019-11-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I had become XXXX XXXX and sick   with XXXX. I XXXX  and couldn't tell what was real and what was fake. I soon lost my job and went XXXX  and lived XXXX XXXX XXXX and I use all my credit cards to survive. I was XXXX  and XXXX  for 2 years until my family found me and got me help. I been on my medicine for 2 years and finally feeling like my self again.. I am attaching documents with evidence that I was sick  and have XXXX along with a handwritten letter from my XXXX. I am requesting all derogatory marks from the year 2015 and up to remove off my credit report because I could not make financial decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: EQUIFAX, INC.
State: TX
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 have seen some credit inquiries reported by XXXX and XXXX XXXX  on my credit report. I have sent both companies letter to get the inquiries removed, never heard any response from neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Phoenix Financial Services LLC
State: TX
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:
On XX/XX/2020 Phoenix Financial Services LLC added a derogatory remark on my credit report per XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Phoenix Financial Services LLC has violated my rights as a consumer and I'm requesting legal actin to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: The Law Offices of Kenosian & Miele, LLP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have been trying to get a very old debt settled for years and every time I attempt to start to pay they levy an account of mine. The last time was in XX/XX/XXXX, my account was levied and I never received notice so I was never able to contact them, they just did it. This account was dated back in XX/XX/XXXX and Then this levy pops up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Experian Information Solutions 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 disputed the accuracy of a bankruptcy showing on my credit Report. Experian claim The company that reported the information has certified to Experian that the information is accurate. Experian is reporting inaccurate and unsubstantiated information on my credit report. They are reporting a bankruptcy which is inaccurate and unsubstantiated. I would like to know who provided any information of a bankruptcy. I have a letter from the bankruptcy court stating they do not provide any information to any credit reporting agency regarding bankruptcies. I demand Experian provide the name, date, and contact information of the individual who was spoken to and if they don't provide this information, they must remove this information from my report. This is a clear violation of 15 USC 1692 and 15 USC 1681.

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 2020-09-07
Company: Flagstar Bank, N.A.
State: MA
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:
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have a rental debt on all 3 reports. XXXX recently removed the debt XXXX/2017 because it has been 7 years however TransUnion states the date for their removal is XXXX 2017 and XXXX stated the date for their removal is XXXX 2017. I am very confused if there is only one original delinquency date as reported by the creditor, why does the 3 bureaus report different dates.

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