BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-02
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have become aware of inaccurate information on my credit report because I wanted to refinance my home mortgage. With the information received on the credit report, I am not able to take advantage of the offers that would have been available had my credit report been accurate. 

I am submitting a complaint because there is an account recently added to my credit report identified as Collection when, in fact, the bill was paid upon receipt in XX/XX/XXXX. 

I visited the XXXX XXXX XXXX ER on XX/XX/XXXX following an automobile crash. The hospital took the auto insurance to process billing. 

Attached is documentation of the bill and payment of the bill from XXXX XXXX XXXX with service location noted as XXXX XXXX XXXX  

Aside from the gross inaccuracy of the information that I need rectified, I am disputing the timing of the report and how it is presented on my credit report. The reporting agency, IC Systems, is reporting an account opened XX/XX/XXXX and closed XX/XX/XXXX and reported XXXX, with manner of Payment " Collection ( I9B ) ''. Payment History indicates a Balance of {$500.00} listed in XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. Since learning of this via my mortgage broker, I have received a paper bill ( " Collection Notice '' ) in the mail, dated XX/XX/XXXX ( also attached ). 

Please let me know when this will be removed from my credit report. If not removed in a timely manner, I will pursue legal action.

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 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 47 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 47 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XX/XX/XXXX data breach and this may be the result of this nefarious activity on my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Alliance Recovery Group
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Ive been getting threatening calls from Alliance Recovery XXXX ( XXXX XXXX XXXX, the call my elderly mothers phone as well. They claim to be calling on behalf of XXXX XXXX saying I owe almost {$3000.00} which is not true. When I tell them show me proof they get an attitude and threaten to come to my job to serve me papers. Also to call Human Resources to garnish my check. Im tired of the harassment because I do not owe any {$3000.00} to XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-09
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For greater than one year I have repeatedly requested that Experian remove XXXX XXXX  's reporting of three foreclosures occurring on the same property in XXXX when the debt was fully satisfied in XXXX. I have made formal written requests and have contacted both by telephone. They both indicate it is the other Company 's fault. The attached pdfs include a letter from XXXX XXXX acknowledging the error and blaming Experian. Also attached, in a dispute to XXXX XXXX, is the contact from Experian that stated that XXXX XXXX keeps verifying the information. My dispute of XX/XX/XXXX was again confirmed as accurate on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. Midland Funding hired a third-party collection of XXXX to report items on the credit profile. Wanted to satisfy the debt. Customer service refused payment, requested documents, documents sent. If practices failed with refusing payments, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: NM
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:
Equifax, XXXX  and XXXX XXXX are not responding to any of my requests to investigate, verify and remove one account from my credit report that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Hello, and I hope all is well. While reviewing the credit profile to Experian/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection of XXXX XXXX to report items on the credit profile. Requesting Identification and signature If practices failed prior, my credit shouldn't be compromised as a consumer. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.

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 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/Transunion, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection of XXXX XXXX to report items on the credit profile. Requesting Identification and signature If practices failed prior, my credit shouldn't be compromised as a consumer. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.

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 2020-11-18
Company: AES/PHEAA
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:
A few years back we entered into an agreement to have my student loans reinstated and have a payment plan. Part of our agreement was to have the late payments removed from my accounts and updated with all 3 credit reporting bureaus. This was never done despite us following through. This is now negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I respectfully asked for all signed promissory notes with my wet ink signature on these student loans, I haven't attended any school in 20 years!!!! These loans DON '' T belong to me and I demand that they get removed immediately!!! you left them on my report with a consumer statement but have yet to supply any document to validate these loans. I am a victim of IDENTITY THEFT and all verified documents have been SUBMITTED to show the PROOF!! I have never lived in XXXX, GEORGIA, NEVER!!!!!!!! remove these fraudulent accounts immediately!! NEVER HAD ANY BUSINESS DEALINGS WITH ANY COMPANY CALLED XXXX .... 

US DEPT OF EDXXXX # XXXX {$16000.00} US DEPT OF EDXXXX # XXXX {$3300.00} US DEPT OF EDXXXX # XXXX {$5100.00} XXXX XXXX  XXXX  # XXXX {$2000.00} XXXX # XXXX {$3700.00}

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 explanation
Consumer complaint received 2021-08-09
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I filed several disputes online via XXXX  with TransWorld about medical collections that have been negatively affecting my credit reports. I filed the disputes and both times they were acknowledged as affected by natural disaster. I then received notice via XXXX  that some disputes and also the collection being reported were dropped. Some of the smaller charges. But via the mail I receive two validation letters for two/three collections. These letters include medical records of the procedures I had gotten whilst at the hospitals. For this reason I fully believe my HIPAA rights were violated and demand the collections be removed from my credit reports in all credit bureaus and the amount due to any and all collections be {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: AZ
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 CREATED AN FTC REPORT IN XX/XX/2020, BECAUSE A FRADUULENT ACCOUNT WAS PLACED ON MY CREDIT FROM XXXX. XXXX  WHICH IS ORIGINALLY FURNISHED BY XXXX XXXX. THEY ARE CLAIMING THIS ACCOUNT WAS MINE, SO I REMOVED THE ACCOUNT OFF OF MY REPORT USING THE FTC LAW 605B. THEN THEY RE-INSERTED THE ACCOUNT ILLEGALLY BACK ON MY CREDIT XX/XX/XXXX. WHAT THEY ARE DOING IS ILLEGAL AND IF NOT RESOLVED I WILL BE PRESSING CHARGES.

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 2022-03-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Good day. This is written to place a complaint on the bureaus that have respeated reported wrong accounts, unauthorized inquiries and identity theft incidents on my credit report. I wrote to them last month but these accounts are still 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 2021-08-09
Company: V and H Portfolio
State: MD
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:
There is still inaccurate data reporting on this account although I have disputed it before. I know for a fact that you guys didn't do an investigation because the inaccuracies are exactly the same as they have always been. Why are you refusing to investigate this account that is reporting inaccurately and keeping me from obtaining a mortgage? 

? = XXXX XXXX is QUESTIONABLE in its reporting I = XXXX XXXX is INCONSISTENTLY reported across displayed bureaus, an infraction of the 5th point of XXXX XXXX Five points of compliance! 
M = XXXX XXXX is MISSING and or is DEFICIENTLY reported as compared to what is most likely information that SHOULD OF BEEN adequately reported! 
U = XXXX XXXX is else wise UNPROVEN, as reported! Undocumented claims can NOT be assumed valid nor compliantly reported!

VANCE & HUFFMAN LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Account # : XXXX I XXXX XXXX? 
Account Type : I U? 
Account Type - Detail : I U?

Bureau Code : I U?

Account Status : I U?

Monthly Payment : - M I U?

Date Opened : I U?

Balance : I U?

No. of Months ( terms ) : - M I U?

High Credit : I U?

Credit Limit : - M I U?

Past Due : - M I U?

Payment Status : I U?

Last Reported : I U?

Comments : disputed I U?

account - reported by subscriber.

Date Last Active : I U?

Date of Last Payment : M I U? 
Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09
Company: United Recovery Solutions
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a voice mail from XXXX on XX/XX/19 stating I had pending debt in their office and it was best interest for me or my attorney to contact them at XXXX. Called on XX/XX/19 and I spoke with XXXX XXXX I emailed her proof I no longer owe this debt and it was paid and she is still calling stating I do. Also, having this robo call as stated above calling my kids, husband, in-laws.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-04
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I paid XXXX $ for a digital good through paypal goods and service on XX/XX/XXXX XXXX XXXX PST. 

The seller agreed to provide me the goods and email account associated with the said item. I have this transaction on video of the seller. The seller agreed to the transaction and when I sent the payment, I was sent fake credentials. I have video of me paying the transaction and me receiving the said items that do not work or was not described as part of the deal. I have opened a dispute with paypal, but the seller is now providing fake created screenshots of messages through discord that I was not part of and we mainly dealt on facebook messenger. In the video, it shows me paying through the paypal email he wanted me to and I did. He did not provide me the item I was meant to be given. I am currently awaiting paypal on this dispute. The current dispute reference number is Case ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: ENCORE CAPITAL GROUP INC.
State: NY
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 XXXX XXXX, 2020, MIDLAND CREDIT MANAGEMEN add a derogatory marks on my credit reports per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND CREDIT MANAGEMEN has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: STATE EMPLOYEES CREDIT UNION
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 status incorrect

Complaint:
On XX/XX/XXXX my husband, XXXX XXXX and I paid off a debt owed to the State Employees Credit Union XXXX NC branch ( account XXXX ) in the amount of {$1800.00} that was showing on our credit. They wrote us letters stating account balance was paid in full. They then reported on credit bureaus that the account was written off and as a repossession which is incorrect as this was during COVID that we could no longer afford vehicle and spoke to XXXX XXXX about this at the XXXX branch in XXXX Nc and she stated because of COVID and the laws with COVID this would not be reported as such because of financial hardship during that time. Now it is paid in full but they are reporting it inaccurately on mine and my husbands credit report which is causing harm to us financially and we were mislead by XXXX about how this would reflect on our credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 have called XXXX  and Transunion numerous times over the past 6 months regarding inquiries that were on my credit report that weren't recognized. I was told by both credit bureaus that I needed to call each and every company that had pulled my credit. I did. Upon calling I was told that they didn't have any information on file with my name or SS #. I called XXXX  and Transunion back. I then was told I needed to add fraud alert on my report and go to the police station and file a report. I added the fraud alert, I took days off to try and file a police report and was told at the police office that they are unable to file a report of such. I'm very frustrated and annoyed that I keep getting the runaround and not getting any help. XXXX  was able to help me and I had NO ISSUES with them at all. I was then told last week to contact the FTC and or Consumer Finance.

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 2017-08-07
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I write to you in the hope that you can persuade Suntrust bank to help me to recover my money and honor all the terms of its agreement with me. On numerous occasions I have tried to discuss the situation with the Suntrust representatives, but they are unwilling to cooperate. In short, I can not solve the problem myself, and I want to avoid hiring a lawyer unless it becomes absolutely necessary. On XX/XX/XXXX I purchased online a watch for the amount of {$170.00}. The merchant, ( XXXX XXXX ), promised to deliver my watch by XX/XX/XXXX because according to their information all their watches are made by hand. After the merchant failed to comply with the delivery, I contacted the merchant by email, to cancel the transaction, and requested them to return my money in my Suntrust account. On XX/XX/XXXX, after I noticed that the merchant failed to return my money, I contacted Suntrust bank to dispute the transaction ( XXXX XXXX. XXXX ). On XX/XX/XXXX, I was  notified that the Suntrust Bank decided to not assist me with my dispute because the dispute was not filed within 60 days from the first bill on which the unauthorized transaction or error appeared in my statement. On XX/XX/XXXX, I called Suntrust bank ( XXXX ), I was transferred from one person to another, until I was finally able to speak with a supervisor. According to the supervisor : Suntrust bank was unable to dispute the transaction because the dispute was untimely filed. I responded that his statement was unsupported by the Suntrust account agreement, because the terms of the agreement clearly states that a customer should contact Suntrust bank within 60 days after the error appeared on the customers statement. Here, the dispute has nothing to do with an error or unauthorized transaction, the dispute was filed immediately after the merchant did not comply with the delivery date. In addition, the dispute was not filed within 60 days, because the merchandises delivery date was scheduled after the 60 days timeframe. Finally, Suntrust bank should not penalize me or any other customer for undisclosed 60 days dispute timeframe for non-error transactions.

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