BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-08
Company: Law Office of Steven A. Booska
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a communication from the Law Office of Steven A. Booska dated on XX/XX/2022. I replied to their communication that this debt is not mine and is as a result of Identity Theft. I thereafter, receive a second communication from this office dated XX/XX/2022 stating that they " have validated '' the account via a copy of records from their client- which they enclosed. After reviewing the enclosed information, I have never done business with XXXX XXXX or any doctor in XXXX XXXX, XXXX which is more than XXXX miles away from my place of residence. This account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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, The reason for my dispute is XXXX XXXX XXXXXXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to the credit bureau reports, in writing... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. V lid i f d d Mi i Mi di d S i 807 ( 1 ) XXXX XXXX XXXX # XXXX Validations of date and Mini-Mirandi under XXXX ( 1 ) XXXX  XXXX XXXX # XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX  XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXXXXXX XXXX is in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report. XXXX  XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2021-06-12
Company: Unifin Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This attempt for debt collection is from a 3rd party trying to represent XXXX XXXX. I have not had XXXX XXXX as a provider for over 3 years. I switched carriers 3 years ago yet they are still trying to collect a false debt which is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I received a promotion via email stating that I could earn a {$45.00} statement credit if I activate the offer and sign up for a new {$45.00} XXXX XXXX membership from Discover for my Discover It credit card. The offer was stated to expire in XX/XX/XXXX. Sometime between XX/XX/XXXX and XX/XX/XXXX I activated the offer and then made the purchase on XX/XX/XXXX. I reached out the first time on XX/XX/XXXX about when Id receive the statement credit and was told that I would receive it within 3 statement cycles after XX/XX/XXXX. Now its been 6 months and I have yet to receive the {$45.00} statement credit. Today on XX/XX/XXXX I reached out via their messaging platform and called them, and was told that I did not qualify for the promotion but that the reason was unknown. I was told that since the credit was already applied to all accounts that were eligible, they could not manually apply it to my account anymore. I was given no further explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My situation is that i have a Derogatory mark that is affecting my credit score, i have not been able to progress as much because this mark is really affecting me. I have now a mark by Diversified Consultants which they say i owe {$1500.00} from the Company XXXX. 

I need your help because this is not a fair debt, when i was XXXX years old i purchase internet from XXXX, months later i received a bill for some pending payments wich i already paid, i went to the XXXX store and told the person who worked there at the time, and he verified us and told me that does charged were not supposed to be there, i was really young at the time so i assumed everything was taken care. 
I am XXXX years old now, and i have this negative mark from XXXX in the amount of {$1500.00} which has affected my credit, i called the Company, and the collector Company also to dispute this issue and explain to them what really happened, and their response was that this debt is mine and i have to pay it. It is really frustating to have this mark in my credit for a debt of more tan 7 years, and i think is not fair to pay something that was not mine and supposed to be there. 
I can not afford to pay this, the Company has not given me any options and dont want to help, i really need this to be settled and removed, i can not afford the payments and is not fair that for this i have negative marks in my credit score and history, i work really hard to help my family and pay my bills, i have been trying to ask for credit but everytime this issue comes up. 
I appreaciate your assistance, this is my last resort to solve this inconvinience. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
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: Information belongs to someone else

Complaint:
XXXX. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6600.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5200.00} -This is not my account. 


-- XXXX XXXX XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$35000.00} -This is not my account. 









-- OTHER ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$350.00} -This is not my account. 


-- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6600.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5200.00} -This is not my account. 


-- XXXX XXXX XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$35000.00} -This is not my account. 









-- OTHER ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$350.00} -This is not my account. 


-- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account.

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 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.

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 2021-06-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I receive 2-3 calls per day at my employer from Portfolio Recovery. Ive repeatedly mentioned this is my work and to cease calls at my employers number. If I block a number, the next day Portfolio will continue to call using another Portfolio Recovery phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
Company: Experian Information Solutions 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 disputed the XXXX  credit card account that Experian is reporting 2-3 times. Each time, Experian XXXX XXXX allows XXXX XXXXo report inaccurate information, changing the information reported each time. For example, upon updating the credit line was the investigation was completed ; it now reports my XXXX payment is 30 days -the XXXX payment is NOT DUE until XX/XX/XXXX. 
Furthermore, Experian XXXX XXXX continues to allow the account to report that the XXXX payment was 90 days late when- a partial payment was made on XX/XX/XXXX and another on XX/XX/XXXX ; so a payment due on XX/XX/XXXX was not 90 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: CORELOGIC INC
State: MS
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:
I have requested for the method of verification and proof on the accounts that were reflecting on my credit reports that were incorrect and erroneous but no proof and response provided.

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 2021-06-12
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX of 2020, XXXX XXXX XXXX received my file and called me about past medical bills. 
I asked if I could do a payment plan and the representative said yes. It was assured to me that my credit would not be damaged if I made payment arrangements. I set up the payment arrangement. Every month on the XXXX XXXX XXXX XXXX automatically deducts the amount and last month they added derogatory marks on my credit. I have been consistent with payments and this was done without any warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: American Credit Financial
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, I got an Pay Day Loan at XXXX XXXX, I ended up in the hospital, and I was not able to pay my balance, of XXXX. I received an phone call stated that if I do n't pay {$300.00} I will be getting arrested, and have to pay court fees. 

The company name that called me said they are working for XXXX XXXX, was collection, American Credit Financial XXXX. XXXX XXXX, XXXX, GA. XXXX XXXX Office Phone Number, and Fax Number : XXXX. 

Once the money was paid, I did not get an paid in full receipt, and when I called back to XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX. 
Company Phone ( XXXX ) XXXX. 

XXXX XXXX does not have an account number showing that this account was paid in full. When I called to confirm payment, the person answering the phone kept hanging up the phone on me. 
It 's not showing on my credit report that it 's paid. After I made payment with pre-credit card XXXX last 4 numbers on credit card. payment XXXX. 
The payment was done over the phone, they refused to take payment by mail. 

I paid with pre-paid credit card, and I did not receive an statement to show that this money was paid to XXXX XXXX for Pay Day Loan. 

I request assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I receive 2-3 calls per day at my employer from XXXX XXXX. Ive repeatedly mentioned this is my work and to cease calls at my employers number. If I block a number, the next day XXXX will continue to call using another XXXX XXXX phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account name
XXXX XXXX XXXX
Account number
XXXX
Original creditor
XXXX XXXX XXXX/XXXX XXXX


THIS ACCOUNT IS A FRAUDULENT ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
To Whom it May Concern : My wife wrote a check to me for {$2000.00} ona starter check. I deposited the check via mobile banking. The funds were withdrawn from my wife 's account on XXXX/XXXX/XXXX. I received notification that a hold was placed on the deposit. Today, XXXX/XXXX/XXXX I called to find out the status of the deposit. XXXX at Bank of America, ID XXXX, told me, " There is only your name on the check, and an amount. We need to verify this check. We need to make sure its not going to come back for any reason. '' I asked, " You also have the payor 's name, my endorsement, the routing number, and account number. What needs to be verified? '' " The maker 's information. '' " You already took the money 5 days ago. You have the financial institutions name and numbers, what action can be taken to verify? '' " We will just wait until it clears by itself. Expect the funds on XXXX/XXXX/XXXX at XXXX. '' " No action can be taken, you basically gave yourself a loan for {$2000.00} for 10 days. '' " I will put in a request, but I ca n't guarantee that any action will be taken. '' This is totally unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
For over 4 months I have been trying to get an unverified account off my credit report. the accounts are XXXX XXXX and XXXX XXXX XXXX. I have sent 4 letters to XXXX, XXXX, and Experian to have the creditors verify the unverified debt or take the accounts off my credit report. My first letter went out XX/XX/XXXX, second letters on XX/XX/XXXX, Third letters on XX/XX/XXXX and fourth letter on XX/XX/XXXX. They have not removed the unverified accounts off my credit report. I have mailed the creditors to verify the accounts I allegedly have with them and they have ignored my requests.

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: Experian Information Solutions Inc.
State: SC
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 updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2019-01-20
Company: Experian Information Solutions 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:
I had a vehicle loan ( for lease ) with XXXX XXXX XXXX together with my brother ( he was co-signer ), and the account was paid on time throughout the lease term. It was opened in XXXX and should be closes in XXXX, but, unfortunately it is still showing open.

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 2022-04-08
Company: Experian Information Solutions Inc.
State: PA
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions

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 2021-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Pulled up a copy of my credit report and seen there were some accounts that are not mine and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The following accounts in dispute are listed below : XXXX 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