BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-25
Company: Advanced Resolution Services 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:
A dispute was submitted to ARS ( Advanced Resolution Services ), formerly known as XXXX XXXX, regarding a bankruptcy on my consumer disclosure credit report with ARS. An improper investigation was conducted, such as not following proper procedures per FCRA ; thus violating FCRA rules. Since ARS failed to properly investigate this matter, I feel the bankruptcy should be removed from my credit report immediately. 

I hereby demand, per FCRA 611 ( 15 U.S.C. 1681I ) that ARS provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. ARS is required to provide the following within 15 days of receiving this request : The name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy. I also demand to know who ARS referred this dispute to ; and who responded back with the required verification. FCRA Section 611 ( a ) ( 2 ) requires you to contact the furnisher of the information. 
PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals ' Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, ARS 's claim that PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires notifying the party who furnished the disputed information, ARS is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices. '' Furthermore, ARS claim could potentially constitute a violation of Title 18 United States Code - Section 1028. 

Again, I am demanding a re-investigation AND the method of verification with the information furnisher. 

Attached to this complaint is a copy of my initial dispute letter dated XX/XX/2018 and a copy of the response form ARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: EQUIFAX, INC.
State: NC
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:
Equifax and XXXX  should not be reporting me as an Authorized User on the XXXX SB partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX is reporting inaccurate information to the Credit Bureaus XXXX I disputed this information with the Credit Reporting Agencies who report that XXXX XXXX attest that the reporting of the account is accurate. To that end, I disputed the item directly with XXXX XXXX and they again attested that the reporting is accurate. The account is listed as having been closed on XX/XX/XXXX. This closed account was listed as 120 days late two months later in XX/XX/XXXX. The account also is listed as both Settled for Less Than Full Balance and Paid in Full, the account is in fact Paid in Full. As stated, XXXX XXXX has now verified that this reporting is accurate with the credit bureaus and all subsequent responses.

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 2020-08-05
Company: I.C. System, 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:
To Whom It May Concern, This letter is regarding account I.C. Systems Inc, which you claim this is my debt. This is formal notice that your claim is disputed. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information in herby requested. 
Additionally, please provide name, address and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communication with you for the purpose of filling a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of my alleged contract or other instrument bearing my signature may result in small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623- b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX P.S. Please be aware that dependent upon your response, I may be  detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : 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 2020-02-12
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: Information belongs to someone else

Complaint:
Upon reviewing my report, I noticed fraudulent information was posted on my file. I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted. I request that you remove this information off of 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 explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: FL
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 attached the info for inquiry and accounts to be removed from my credit file. Thank you dates range from XX/XX/XXXX to XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have overpayments being directed to my lowest interest loans instead of my highest interest loans, which is contradictory to my overpayment Directions. This is causing me to not get the full benefits of my overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Penn Credit Corporation
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I contacted Penn Credit to pay off a debt, they freely without asking them gave out my whole social security number without asking. this information should not have been given out in its whole,. a scammer could just give them my number or address and they will recite a whole social security number to anyone with that address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 hereby issue this affidavit within this Federal platform. At this time, the above is issuing a temporary gag order against Transunion and XXXX. Because at this time the above filed a complaint againt Trasunion Complaint ID # XXXX on XX/XX/2018 and also filed a complaint against XXXX Complaint ID # XXXX on XX/XX/2018 with XXXX XXXX XXXX - Division Cheif, Consumer Protection Division -Michigan Attorney General Office XXXX XXXX XXXX XXXX , MI XXXX. It has been brought to my attention that both of these institutions are soliciting inaccurate information about my identity with their clients during an investigation with the Michigan Attorney Generals Office. It is further been discovered that these two institutions are sharing reports with their clients but are withholding information that the insititutions themselves are under an ongoing investigation with the Michigan Attorney Generals Office - compalint # 's listed above. At this time the above does not feel that his information is being safe guarded by either of these two instituions wherefore I am attaching this affidavit with each and every application that the above releases and in doing so i will offer an invitation to any and all creditors to re-direct their request for complete file information to be done with only XXXX and the above will pay for the full complete report regardless of whether a creditor extends credit or not. All you have to do is contact me by email and submit request for payment. 

The above certifys that on this date XX/XX/2018 at XXXX XXXX  that a true copy will be faxed to both Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX and XXXX : XXXX XXXX XXXX, TX XXXX by the next business day XX/XX/2018 2018

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank Of America is saying I made an inquiry on XX/XX/XXXX reference # XXXX for a XXXX XXXX card. I never authorized any request for this card. I was not on any cruse ship for this company. This is fraud. I would kindly like this to be removed from all credit companies since I never made this request.

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 2018-08-17
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
PayPal account was frozen and funds were placed on hold for 180 days. When I contacted PayPal they told me that they did not have to give me a reason for limiting my account. Ive submitted a dispute but have gotten nowhere. Its unacceptable for them to not give me reason why they are holding my money in my account. Please advise. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: PENTAGON FEDERAL CREDIT UNION
State: PR
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/2018, I applied for a car loan with Pentagon Federal Credit Union. They did three inquiries on the credit bureaus for the same application. Such inquiries are decreasing my credit scores with all three bureaus. I have done disputes, but none of the bureaus have been able to fix it.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The personal information you're reporting is not mine so please look at the documents for further 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 non-monetary relief
Consumer complaint received 2020-12-15
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Information belongs to someone else

Complaint:
In XX/XX/2020 Portfolio Recovery added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold from the original creditor XXXX XXXX XXXX XXXX, XXXX XXXX and I am no longer responsible for the account. The debt collection agency did not verify this account. 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. According to the FCRA, Portfolio Recovery has violated my rights as a consumer And Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: Partners Financial Services Inc
State: MO
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:
XXXX Bank was the original person I did business with. The account was charged off a few years back and Partners Financial took over this account now. I have made several payments through the court system and when contacting them they would not update that a few XXXX dollars have been paid toward this debt. They are still saying I owe the full amount of the charge off. I have tried to talk to the manager at the Partners FinanciaXXXX and she was quite rude and of no assiatance. I want to get this payment amount reflected and get this off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: GOLDMAN SACHS BANK USA
State: ME
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I completed a loan application online today for {$12000.00}. I received an email stating the loan request was approved. I submitted my banking account information including a copy of one of my checks, as instructed. I then came to a screen that required me to complete electronic disclosure statements. At that point I decided I wanted to borrow a lower amount, {$8000.00}. There was no screen, tab, etc. that allowed me to change the loan amount, so I called XXXX and spoke with XXXX. She told me that she could not change the dollar amount on her end, but I could request a lower amount by completing a new application. XXXX said that the company would not need to run another full credit check as long as I submitted the new application today. When I applied for the lower amount ( less than an hour later ) I received an email stating it was not approved. I called XXXX and s/w a supervisor, XXXX. I reiterated the above information and XXXX would only tell me " a couple things changed in your application. '' I asked her how anything could change within one hour. XXXX said I probably should not have been approved the first time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24
Company: Rocket Mortgage, LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have my home loan through Quicken. They did not pay my insurance premium to my insurance company XXXX from my escrow acct they only XXXX of over XXXX of it. I live in Iowa and I have an open damage claim from the XX/XX/XXXX XXXX  with XXXX mph winds. Now ins. Company has canceled my policy and Quicken has taken out policy for only XXXX on my XXXX home as that is all I owe. Plus the policy covers nothing else and will cost me {$55.00}. More a month I am XXXX years old and have owned my home since XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, IA. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
First my ID and Social are attached so there should be no issues investigating my complaint. My identity is verified with information I attached. Please investigate and not closed complaint. 

Equifax refuses to update my credit report with information in a timely manner. Also With reporting the correct information. I have had to file 5 complaints in 2 years to get my information corrected. My last complaint was XXXX/XXXX/2020 about fraudulently reporting collection account. I used proof for my complaint from XXXX XXXX. XXXX XXXX allows me to know what Equifax is and is not doing with my credit report. 

Since my last complaint XXXX/XXXX/2020 Equifax is not blocking XXXX XXXX for access my account. There is nothing XXXX XXXX can do because this is blocked from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting 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 submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX Account Number : XXXX XXXX/XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern, My name is XXXX XXXX. XXXX # XXXX XXXX Midland Credit Management Inc XXXX MCM is suing me for a credit card debit. I was served on XX/XX/XXXX and was summon to show up in court on XX/XX/XXXX. Then I received a letter stating that the court date has been moved to XX/XX/XXXX. 

I have a dispute and have requested information from a creditor Midland Credit Management Inc. I have not received any information from this company and I requested this information on XX/XX/XXXX. We have a court date of XX/XX/XXXX and I still have not received any information. I have a post office receipt showing that the company received my letter. 

The following information is being requested from MCM. 
**a signed copy of the contract/agreement with my signature stating that I have an agreement with Midland Credit Management XXXX copy of all documentation/paperwork for the XXXX XXXX account showing how the charge amount totals to {$6200.00}. 
** signed documentation showing that I give XXXX XXXX permission to sell my personal information XXXX a copy of the bill of sale and the purchase price that the debt collector paid for the debit and the date the debit was purchased. 

My contact information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Thank you XXXX XXXX

Company response to consumer: Closed with explanation