BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-23
Company: Paramount Recovery Systems, L.P.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collections notice from Paramount recovery services for a medical bill from 2018. Over a year ago I submitted the same information from a different collections agency for the same debt. I called Paramount and they would not help. 

This is for a hospital stay from XXXX in 2018. My insurance paid the entire bill including three of these charges for the same amount. After spending all day, every day for at least two weeks on the phone with XXXX hospital, doctors, customer care agents and more they still could not identify who I needed to contact about this. 

During the fall of last year I sent this information to you at CFPB and it was cleared immediately as not being owed by me. 

How is it legal for these collections companies to sell invalid debt and hound patients for years? It has destroyed my credit and I am fed up. 

Please let me know what additional information I can provide. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Consumer Financial Protection Bureau Complaint # XXXX XXXX XXXX We thank  XXXX XXXX for his comments and please find our response below. 
NOTE : XXXX XXXX also filed another complaint at the same time ; # XXXX. 
XXXX XXXX entered into a Simple Interest Note And Security Agreement on XX/XX/XXXX, and he pledged his XXXX XXXX XXXX as collateral. He also executed a credit application which gave us valid a permissible purpose to review this credit file. 
XXXX XXXX account become delinquent, and the account was assigned for repossession on XX/XX/XXXX, however, we have been unable to locate and recover the collateral. 
The balance remaining on the account is {$6200.00}. We ask that he pay this amount immediately or surrender the collateral. 

15 usc 1681 b 2 who gave permission to share my information? permissible purpose title 18 identity theft any Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

can not use my information without my permission or its identity theft its the LAW I refuse to pay this debt or any other debt that you have in or associated with my name. So PLEASE STOP CALLING ME, OR SENDING ME LETTERS!

Once again! I am informing you to cease all contact with me or anyone else about this claimed debt.

Accordingly, under 15 U.S.C. Sec. 1692c, this is my formal notice that I REFUSE TO PAY and for you to CEASE all further communications with me. 
Sincerely 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 2023-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
XX/XX/XXXX I went to the Bank of America atm to activate and withdraw money from my prepaid XXXX XXXX  from the XXXX XXXX XXXX here in XXXX Georgia. Ive called and message Bank of America and there solutions are nonexistent. Its there atm that took the card while malfunctioning and yes XXXX could easily replace the card but Bank of America could issue a temporary credit since they know what happened to the prepaid card. I was unable to buy gifts with that money because I never got it. Also Im out of an XXXX XXXX XXXX XXXX XXXX  also. Have employees lying about who Im talking with and assume if a scam when XXXX claims oh we can see the card if its being used. I said if thats true you can see Im not using it so replace it. So XXXX accuses me lying I have a police report and screenshots. I tell all this to Bank of America they suggest on the phone via customer service representative to go in the store and demand my money because they dont deal with prepaid cards or cards not with there bank, They suggest call XXXX XXXX  or go XXXX l to the store again nothing from them even though its there atm they caused the issue .i called the number on the atm they didnt send anyone out they just rebooted the atm which I later learned guaranteed my card wasnt coming back out according to the customer service rep I later talk to.

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 2018-01-24
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 status incorrect

Complaint:
I sent a letter to XXXX XXXX XXXX XXXX XXXX in XXXX 2017 regarding a {$9.00} charge that is showing on my Credit report that should not be showing up. I received a call from their office 3 days later telling me they would be removing the derogatory information from my Credit report as requested. Account 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 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Please be advised this is my XXXX WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the XXXX to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under XXXX XXXXXXXX ( XXXX  ) ( XXXX ) ( XXXX ) & Section XXXX ( XXXX  ) ( XXXX ) ( XXXX ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( XXXX ) of the XXXX you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( XXXX XXXXXXXX ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the XXXX 

I demand my accounts be verified or deleted immediately. 


( Attached, I have my Credit Bureau XXXX, XXXX forms of ID, 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 non-monetary relief
Consumer complaint received 2019-05-07
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: Information belongs to someone else

Complaint:
Despite repeated atttenpts to contact this less than par collection outfit they have refused to provide any proof of this so called debt and since XXXX XXXX have charter for a cable company Im confused where this debt may have come from. This collection agency has litteraly hundreds of xo plainys for the same issue and without being able to provide and signatures this becomes extortion not collection.

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 2019-05-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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:
There was a mistake made at XXXX XXXX and I worked with them to resolve it and they closed my acct. Then these collection agencies, Portfolio recovery associates started to threaten me and reported it to XXXX  who destroyed my credit rating. Now they say I need to get a credit card to help my credit score and try to get me to sign up for one or my credit will be destroyed! I checked it through XXXX XXXX and it goes down more each week. They also have a debt from XXXX XXXX XXXX which I told them was clearly not mine but they will not remove it. Someone, XXXX XXXX or XXXX gave out my phone number to these collectors and I get threatening calls 24 hours day. Portfolio Recovery told me they are coming to my house to seize property and even take my car and they don't care if XXXX XXXX closed the acct or not that they have the right to collect by any means necessary. XXXX XXXX is allowing these agencies to use their website hurt my credit which use to be XXXX and now in the 600 's. Nothing I say to them is working and I stopped answering all calls now because they have so many different numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am being reported late by XXXX and I have never been 30 days late. I have been dealing with this for three months. This is affecting my life

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 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Under 15 U.S. Code 1681e ( b ) and 15 U.S. 1681i ( 5 ) this account in violation XXXX department of Human Resources not reporting 100 % accurate it lists the child support court as the furnisher thats forgery and misleading when the court dont report this information you have to have my written consistent to furnish this data on my consumer 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 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S.C 1681 Section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not consumer in connection with the collection of any debt.

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 2018-02-12
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2007 my ex-husband and I took out a small second mortgage on our home. The loan amount was somewhere around {$8000.00} with payments at {$110.00} per month. This was done with XXXX XXXX in XXXX, MI. During our divorce, my husband became responsible for the payments and this loan is currently reflecting as past due on my credit report, showing that {$4500.00} is still owed on the account. Based upon my calculations, 10 years and 6 months later we have paid out almost {$15000.00} for the loan. I feel we over paid dramatically and to still have an amount owing is ridiculous. I can not find the original loan paperwork, I have called XXXX XXXX to try to obtain the old loan information to no avail. I want this amount discharged completely and removed 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 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I had a legal name change and removed my middle name XXXX XXXX. XXXX, Transunion, XXXX are still reporting the old 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 2023-11-08
Company: AMERICAN EXPRESS COMPANY
State: FL
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 had a convenience card from AMEX and XXXX for my son as simply an authorized user while he was in college. The account belonged to me and I was the only signature on the contract. He is seeing both these cards on his credit report currently and they are dragging down his credit score. He has XXXX responsibility for the balances, I do personally and singularly. He has called both AMEX and XXXX repeatedly and they have done nothing to reconcile his credit with the credit bureaus. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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:
This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX / XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXX Balance : {$2800.00}, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4500.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$6400.00}, ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 XXXX XXXX XX/XX/XXXX, XXXX OF 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 2023-03-08
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I am writing this letter to express my deep dissatisfaction and frustration regarding the recent threats of repossession of my car from GM Financial company. My name is XXXX XXXX, and my husband and I have been clients since 2017. Recently, we have experienced a series of devastating losses : both my mother and his father passed away. In light of this tragedy, it is incomprehensible that they do not show even an ounce of empathy or compassion towards us. 

We are aware that our payments are behind schedule ; however, with my husband taking care of most bills, it has become increasingly difficult to catch up on our car payments. Furthermore, the thought of someone coming into our private property to repossess the vehicle is absolutely outrageous and illegal in many states across the nation and I believe New York its one of them, correct me if Im wrong.

We would like that, if possible, stop calling us multiple times a day and sending us threatening emails related to repossession. We have decided that we will only respond to written correspondence from you due to the constant phone calls demanding payments at our workplaces which makes us feel deeply uncomfortable, the constant calls and letters are not helping the situation. We understand that this is a difficult situation for both of us.

We understand our responsibilities as clients and were not denying it, but we also know what rights we are entitled to as well, and know thats why we are here to contact the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2018-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 am a victim of identity theft. MY Bank of America account # XXXX is not mine. It is only reporting on XXXX credit bureau. I have attached. a copy of the documents I sent to XXXX and they have yet to fix the issue. I need assistance ASAP please so I can refinance my home. Thank you in advance for your help. 


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 2023-10-12
Company: EQUIFAX, INC.
State: CT
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 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 2023-11-13
Company: Experian Information Solutions Inc.
State: CT
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:
In accordance with 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 : XXXX XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2020-01-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I did not receive a reasonable investigation regarding accounts which are listed within my credit report in error. The credit reporting bureau referenced continues to verify and validate the following accounts as accurate when they are not valid and do not belong to me. 

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 XXXX   XXXX 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 non-monetary relief