BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-14
Company: Key 2 Recovery, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received multiple phone calls from Key2Recovery, a debt collection agency. I received the following calls to my personal cell phone number : 2 calls on XX/XX/19 from phone number XXXX ; 3 calls on XX/XX/19 from phone number XXXX ; 1 call on XX/XX/19 from XXXX ; 1 call on XX/XX/19 from XXXX ; 1 call on XX/XX/19 from XXXX, and one call today, XX/XX/19 from XXXX. 

I have also received multiple calls to my place of business on XX/XX/19, XX/XX/19, and XX/XX/19. 

I confirmed through my date of birth and last four digits of my social security number as well as that I had never been a student at XXXX University ( the origination of the debt ) to Key2Recovery that the debt they claim to be owed does not belong to me on XX/XX/19, XX/XX/19, and XX/XX/19 and to remove my phone number from their call list and yet I continue to receive harassing phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXX XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XX/XX/2023 - XXXX Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for 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 non-monetary relief
Consumer complaint received 2021-01-31
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:
since i found out that I have quite a few fraudulent accounts on my credit report ( under different names and addresses ) i been trying to remove them from my credit report. all these accounts aren't mine, they were open under different names and addresses between XXXX to XXXX. Account name XXXX Account number XXXX XX/XX/XXXX Account name XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Show more Account name XXXX XXXX XXXX Account number XXXX XX/XX/XXXX XXXX XXXX XXXX every time i called the XXXX, XXXX  and TransUnion credit bureaus, they tell me something different non sense. please help me to sort this out.

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 2019-11-14
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Asked Medicredit Debt Collector to stop calling and harassing me. The company will not comply.

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 2021-10-05
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: WA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2020 I received a phone call from a woman named XXXX XXXX at XXXX XXXX   regarding a " watch over case '' that is being prosecuted through the county I live in. In the voicemail from XXXX XXXX, she states that my rights will be legally fortified if I do not respond. XXXX XXXX also threatens to contact my place of employer to get hold of my supervisor to find my location. XXXX XXXX also contacts a relative of mine with the same information saying that I am being legally prosecuted by the county I live in. 

I call the number back and it's an alleged debt collector called " XXXX XXXX XXXX ''. They tell me I owe a debt of {$130.00}, and the " responding officer '' is on my case but will not tell me more information. They put me on hold to " unlock '' my case so I can be told more information, while they put me on hold I hang up the phone and I call the county courthouse to see if there are any open cases against me. The county district courthouse has no pending or open cases against me, and I call Ace Cash Express from whom " XXXX XXXX XXXX '' says that is where my debt is and I have no outstanding debt with Ace Cash Express. I have not been made in contact with ACE cash express, no collection letters, or nothing being reported on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My account was transferred effective XX/XX/XXXX. As of XX/XX/XXXX I had not received a welcome package and when I called Shellpoint I was told they had no account with my name. 

I received a welcome package on XX/XX/XXXX. I again called to make a payment and was told they did not have full access to my account information and that once they did they could go over my account. 

I received a mortgage statement on XX/XX/XXXX and again called to attempt to make a payment. I was told they were not able to because they were missing disclose forms. I asked to speak to a supervisor and was told one was not available. 

The account was transferred without my input to a company that has demonstrated a lack of professionalism in processing new accounts in a timely manner or providing me with information on my account. I am attempting to purchase a new home and unable to bring my account current.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AKA 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2019-11-14
Company: BYL Collection Services
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a collections notice dated XX/XX/XXXX from BYL Collections stating that I owed {$190.00} from original creditor XXXX BYL account number : XXXX. When my wife called, she was told that it was for a debt incurred in XXXX. I did not have any dealings with XXXX in XXXX. She asked for a copy of the original bill since we had not received it. She was told they were not required to provide the original bill. 

A few weeks later, my wife received a collections notice for {$190.00} IN HER NAME with a BYL account number XXXX. This notice stated she did not make the " agreed upon payment amount '' based on the payment plan she made. SHE DID NOT MAKE A PAYMENT ARRANGEMENT with them. 

On XX/XX/XXXX, we received two additional BYL notices. This time account number XXXX for {$190.00} again stating we did not make the agreed upon payment. The other notice was for a new account number XXXX for an amount of {$30.00}. 

I have no issues paying my medical bills as my credit report will show you. My point is that I never received any bill directly from XXXX and was unaware of any charges that were due. If these were some type of charges that were denied by my insurance company, I received no notification or bills from XXXX. Just straight to collections and based on this billing, changing names, changing account numbers, I feel that some type of scam is taking place. I don't want negative marks on my credit report. Can you help me?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
This Equality of Opportunity is to let the lawful record of The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), reflect that you are required by FEDERAL and STATE LAW to verify through the physical verification of the original signature/ Autograph of consumers contract ( s ) any and all accounts you post on any of my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. FDIC Law, Regulations, Related Acts. https : //www.fdic.gov/regulations/laws/rules/8000-1250.html USC 1306 . The FTC 's Bureau of Consumer Protection Act ( s ).

I demand to see the Verifiable Proof of my original Consumer Contract with my Signature ( s ) on the instrument ( s ) and proof that the so called debt remains with original creditor ( s ) you have on file of the account ( s ) listed. Your failure to positively  verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account ( s ) listed below or lawful action will be taken. 
I demand the following accounts be verified and removed immediately. 

In Addition To This Constructive Acknowledgment Notice I checked my personal credit report which is to remain private and not public, which I acquired from your organization around XX/XX/2020, and I noticed inquiry ( s ) had been made. I contacted the responsible party who conducted the inquiry and asked them to remove their credit inquiry from my Secured Credit Profile. I request that you initiate a solution into taking action and removing it as well In Goodwill And Gesture as pursuant to consumer rights article 7 etc. 
The inquiry ( s ) on my credit report are not to determine who authorized the inquiry but to remove it from my Secured Credit Profile, once your investigation is complete, you'll find my Affidavit to be filled as the secured party creditor simply in pure truth under the provisions of The ( UCC ) Uniform Commercial Code. ( Active Security Agreement ) DEPT OF STATE. 
Remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 10 calendar days of the completion of the requested performance. 

Sincerely In Pure Truth, Without Prejudice _________________________________________________ XXXX XXXX XXXX, Secured Party Creditor, Authorized Representative, Attorney-In-Fact, in behalf of 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 2020-04-28
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I took a look at my credit report and I have fraudulent and inaccurate accounts reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
It is obvious that you dont have any proof on file to verify that these accounts belong on my file. When we go to litigation you will be required to produce the documents you used to verify these items through the discovery process and since you dont have any documents in your files verifying that these items are valid then that will be proof that you did not properly verify the accounts and they will have to be deleted and Ill be  entitled to damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter to Midland Credit Management ( MCM ), written on XX/XX/XXXX, received on XX/XX/XXXX, requesting an investigation on account XXXX. I never received a response from Midland Credit Management ( MCM ), violating federal law. I sent another letter written on XX/XX/XXXX, and received on XX/XX/XXXX, stating the violation of federal law and requested the removal of the said derogatory item from my credit reports. All I received from Midland Credit Management ( MCM ), was a letter stating that the item is correct, which we are way beyond now that Midland Credit Management ( MCM ) has violated federal law. I would like the item removed from my credit reports or I will be forced to sue Midland Credit Management ( MCM ) for damages resulting from the violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX XXXX XXXX  Auto Financing Companies XXXX XXXX XXXX XXXX  Auto Financing Companies XXXX XXXX XXXX Finance Companies - non specific XXXX  XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX All Banks XXXX XXXX XXXX  XXXX Auto Financing XXXX Finance, personal XXXX  XXXX I Credit card and travel / entertainment companies XXXX XXXX Finance, personal XXXX XXXX All Banks XXXX XXXX  Mortgage Reporters These unauthorized inquires I've sent on XX/XX/20 have been affecting my credit profile, and costing me thousands of dollars in interest that I cant get back, and also have been costing me job opportunities. It's been embarrassing for me and my family. It's already stressful during these times of covid, and I dont think I should be penalized for it. This is not a regular dispute. I have filed a complaint with the FTC and XXXX, and to my knowledge, I do not recall giving consent or written agreement for any of these inquiries. According to 15 US 1681 ( n ), and 1681 ( o ) this a direct violation of the law, and the fair credit reporting act. I need this problem to be handled expeditiously. I can not wait for another 30 to 45 days in the name of covid. I demand these accounts be removed immediately, please. I will file for litigation due to the stress thats being caused. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items 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 explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX # XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX {$470.00} XX/XX/XXXX XXXX # XXXX {$880.00} XX/XX/XXXX XXXX # XXXX XX/XX/XXXX THE FOLLOWING ACCOUNT ARE REPORTED INCORRECTLY

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 2021-01-31
Company: LoanCare, LLC
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
after 3 years of struggling to get a loan modification Loan Care finally did so however after all 3 payments Loan Care put me back on a forebearance agreement ; did not sign off on the loan mod, record it or consummate the loan modification Loan Care kept all the payments which were tied to the loan modification but again the loan mod was cancelled so there is no agreement between me and Loan Care

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 2021-05-21
Company: EQUIFAX, INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I XXXX XXXX, rights of privacy has been violated and breached by this bureau which is a direct violation of federal law 15 U.S.C 1681 ( a ) ( 4 ). This bureau is a also in violation of federal law 15 U.S.C 1681b ( a ) ( 2 ) by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Experian Information Solutions 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:
I have been trying to get the credit bureaus to valdate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. 
Please have them delete these unauthorized inquiries. 

XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX/XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/2020 XXXX/XXXX  XXXX Automobile Dealers, Used Inquiry date : XX/XX/2020 XXXX XXXX XXXXXXXX Mortgage Reporters Inquiry date : XX/XX/2020 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