BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-01
Company: CCS Financial Services, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I write experience and XXXX  and asked for any closed accounts to be removed from my account and they still appear. I want any closed accounts removed from my account for employment purposes

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Ingo Money, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
On XX/XX/31 I tried to deposit a {$250.00} check through XXXX which apparently uses the service Ingo Money to deposit their checks. After being told the check is accepted and all I have to do is void the check and take a picture, Ingo declined to deposit the check calling it a failure. Now I have a void check and no money. XXXX blamed Ingo. Ingo acts like they did nothing wrong just some checks they can't accept. That's fine in general but not once they tell a person to void a check. I needed this money yesterday. Now I have a void check and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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: Reporting company used your report improperly

Complaint:
I am aware that consumer reporting agencies have received my nonpublic personal information from XXXX fraudulently and do not have lawful authority to furnish this information for any non-affiliated third parties to see. The consumer reporting agencies to whom XXXX has provided my non public personal information are not required by law to furnish my non public personal information ; however they are doing so and receiving unjust enrichment. I have reason to believe the consumer reporting agencies XXXX have disclosed my non public personal information to are aiding and abetting criminal enterprises in the collection of extensions of credit through extortionate means and coercion. I am aware that receiving proceeds of extortion is illegal. 

As a consumer I have a right to privacy. Punishing me for the nonrepayment of an extension of credit by disclosing negative information, not required by law, to a nonaffiliated third party without my lawful authority gives me reason to believe that this is a pattern of racketeering activity. XXXX furnished my nonpublic personal information to Consumer reporting agencies through aggravated identity theft, pursuant 18 USC 1028a ; due to the fact I never gave lawful authority or consent for them to be in possession of my nonpublic personal information. I have reason to believe XXXX is criminal enterprise involved in conspiracies to cause restraint of commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: NAVY FEDERAL CREDIT UNION
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: Reporting company used your report improperly

Complaint:
I am aware that consumer reporting agencies have received my nonpublic personal information from NFCU fraudulently and do not have lawful authority to furnish this information for any non-affiliated third parties to see. The consumer reporting agencies to whom NFCU has provided my non public personal information are not required by law to furnish my non public personal information ; however they are doing so and receiving unjust enrichment. I have reason to believe the consumer reporting agencies NFCU have disclosed my non public personal information to are aiding and abetting criminal enterprises in the collection of extensions of credit through extortionate means and coercion. I am aware that receiving proceeds of extortion is illegal. 

As a consumer I have a right to privacy. Punishing me for the nonrepayment of an extension of credit by disclosing negative information, not required by law, to a nonaffiliated third party without my lawful authority gives me reason to believe that this is a pattern of racketeering activity. NFCU furnished my nonpublic personal information to Consumer reporting agencies through aggravated identity theft, pursuant 18 USC 1028a ; due to the fact I never gave lawful authority or consent for them to be in possession of my nonpublic personal information. I have reason to believe NFCU is criminal enterprise involved in conspiracies to cause restraint of commerce.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
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:
I HAVE SUBMITTED SEVERAL LETTERS IN XXXX ASKING TO REMOVE ACCOUNTS THAT ARE NOT MINE, THE LAST LETTERS WAS SUBMITTED XX/XX/XXXX I WAS TOLD BY THE CREDIT BUREAU THAT THEY DO NOT HAVE TO PROVE THAT ANYTHING IS MINES AND THEY CANT REMOVE THEM UNTIL I HAVE A LETTER FROM THE CREDITOR SAYING THAT THE BILL HAS BEEN PAID IN FULL. SOME OF THESE BILL ARE FROM ADDRESSES I HAVE NEVER LIVED AT, ANOTHER ONE I HAVE A COURT DATE FOR BUT DUE TO COVID IT KEEPS GETTING RESCHEDULED I HAVE ALSO REACHED OUT TO SOME OF THE CREDITORS MYSELF TO ASK FOR COPIES OF ANY INFO THE MAY HAVE AND NONE OF THE COMPANIES HAVE GIVEN ME ANYTHING, I HAVE ASKED TO PLEASE REMOVE THE ITEMS AND THE CREDIT BURAEU REFUSE TO CAN YOU GUYS PLEASE HELP XXXX XXXX {$1300.00} XXXX XXXX XXXX  {$9600.00} HEARING IS XX/XX/XXXX XXXX XXXX XXXX {$310.00} 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 2022-09-01
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company has violated the FDCPA and the Fair Credit Reporting Act. 

They reported XXXX accounts on my credit report. I contacted both the company and the credit report agencies to demand validation of the debt they are trying to collect. Under the FDCPA and FCRA a debt collector can not report to a credit reporting agency unless and until it verifies the debt This company instead reported the accounts to experian and equifax after they had been removed from XXXX because they could not be validated. These accounts were reported to the above agencies on XX/XX/2017, and I did not receive a reply regarding my request to validate until XX/XX/2017. 

Not only were the accounts reported to XXXX agencies while it was being disputed, the only reply I received was a simple form letter with dates and amounts, not any verification. 

There was no proof of any type that this debt belonged to me as I demanded. Their was no date of verification nor any documentation of the authorized HIPAA business relationship between ARS and the original creditor. Being that I was insured at the time it is extremely important that I receive full validation of any alleged debts including services or signatures. This company has been unable to properly validate this debt and continue to report in full violation of the FDCPA and FCRA

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 2023-10-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 already contacted several of the companies. There are repeated inquiries on my report for the same day, same week, and same month. I have over 80 inquiries. I did not authorize the inquiries on my report. I have placed a fraud alert on my reports to stop this from moving forward. Apparently someone is trying to get credit in various ways using my name. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
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: Public record information inaccurate

Complaint:
one BANKRUPTCY CHAPTER XXXX case number XXXX date filed XX/XX/2017, was reporting under my name, with experian credit reporting agency, i disputed and since it was not accurate information belonging to me was removed and after one week this inaccuracy was placed back under experian again. i have disputed and they are not being helpful at all, they just disputed again but i was not able to have that removed. 
i will be attaching my documents which i provided to experian and all the three bureaus. they all have removed this inaccuracy at once. please have experian also removed this inaccuracy as son as possible. i XXXX and found out that you will be able to help me in this matter. 
thank you for your cooperation

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 2022-09-01
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX account XXXXhas 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 written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: LD Holdings Group, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am currently in an agreement with a past employer to pay back a sign-on bonus that I received. The payments were to be made by check, until XX/XX/2022 when electronic payments became available. I received and email stating where and how to make a payment, and that if I wanted recurring payments could be set up. After making the first payment electronically in XX/XX/2022, the email confirmation stated I would be set up for an auto draft. The payment portal never had any reference to auto payments or an area for me to electronically sign to agree to an auto draft. XX/XX/2022 when the payment was due they drafted a payment from my account without my consent. I notified them immediately, and requested to have it removed, which they agreed to. My concern is that they couldnt provide me any documentation when requested where I authorized them to draft my account, as well as they do not understand the requirements under the EFTA to draft a consumers account. They were relying heavily on the fact that they were ok to do so because the email stated such.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Agency is repeatedly reporting false information on consumers credit report. There has been no verification of contract or agreement between consumer and this creditor, therefore the collection agency should not be reporting. 
Verification of contract needs to be produced to verify obligation by consumer.

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 2021-06-29
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX calls for wrong person I wash them To stop and they call back under a different number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 came across one account two inquiries and two addresses that i do not recognize and was use without my knowledge Account : XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX Addresses : 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
Consumer complaint received 2019-11-28
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -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 explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: MI
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:
These two items were a result of Identity fraud that shows up on my credit report as hard inquiries. 

XXXX XXXX XXXX  XXXX XXXX XXXX, 2022 XXXX XXXX XXXX 2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am an ITIN recipient. I am in the process of buying house with a HUD certified housing agency called XXXX XXXX XXXX  in XXXX, IL. 

Through a bank called XXXX XXXX, a credit report was pulled to pre-approve me for a mortgage. Through an XXXX credit report, I discovered an error. My neighbors credit cards from XXXX XXXX  are present on my credit report. 

I've gone to XXXX personally with my neighbor to get assistance with the error. XXXX refused to write me a letter stating the error that I can give to XXXX XXXX so they don't count the large debts against me. 
XXXX XXXX refused to write me a letter or help me in any way. I then contacted Transunion over the phone, I spoke to someone named XXXX, who said she can not help me because I have an ITIN number. 
At this point, I don't know where to turn for help. I am getting assistance from XXXX XXXX XXXX who has mentioned the help you give consumers like me. I really want to buy a home and I am almost there. This error is in the way of that. 
Thank you.

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 2017-04-11
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CONVERGENT OUTSOURCING AGENCY PLACED A COLLECTION ON MY XXXX AND XXXX REPORT REGARDING A XXXX ACCOUNT ON XX/XX/XXXX. THEY PLACED THIS ON THE CREDIT REPORT ON OR AROUND XX/XX/XXXX. MY SCORE ONCE AGAIN HAS BEEN LOWERED. I SPOKE TO THIS COLLECTION AGENCY AND FOUND OUT THAT THEY DID NOT HAVE ANYTHING IN THEIR SYSTEM. THEN AFTER A BIT ON THE PHONE THEY SAID XXXX RECALLED THIS ISSUE ON XX/XX/XXXX. THE COLLECTION AGENCY PROCEEDED TO PLACE THIS ON MY CREDIT ANYWAY. I CONTACTED XXXX IN PENNSYLVANIA REGARDING THIS ISSUE AND THE AGENT STATED THAT THERE WAS NO NEGATIVE ACCOUNTS IN THE SYSTEM ON ME. THIS IS GETTING A LITTLE OUT OF HAND WITH THESE COLLECTION AGENCIES. THIS COMPANY HAD A ACCOUNT ON FILE WITH XXXX THAT I TOOK CARE OF PRIOR TO BEING PLACED ON MY CREDIT. i STILL HAVE N'T RECEIVED MY CLOSED ACCOUNT LETTER. IM ALSO NERVOUS THAT THIS AGENCY WILL TRY SOMETHING IN THE FUTURE WITH MY REPORT REGARDING THIS ACCOUNT. I ALSO FILED A DISPUTE WITH THE CREDIT BUREAUS AS WELL. i WAS IN THE PROCESS OF BUYING A HOUSE AND THIS WAS NOT A GOOD THING FOR ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
PORTFOLIO RECOVERY # XXXX has re-inserted an debt that 1. Has been previously deleted 2. I Do not Owe 3. NOTIFIED me after the debt was placed on my credit. 
4. failed to verify this debt. 
All of these actions violate FCRA FDCP statutes

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I was charged an overdraft fee even though the transactions didnt get paid. 
One on XX/XX/2019. 
One on XX/XX/2019 XXXX each for a total of {$70.00}.

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 2017-06-10
Company: EQUIFAX, 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:
During  XXXX   XXXX ,    2016   XXXX   XXXX  placed an account for which i never applied for. I called and asked for it to be removed. However  XXXX   XXXX  has only removed the inquiry from my  XXXX  report. It is still in both my  XXXX  and Equifax credit reports.   The inquiry : Name :  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry  Date :  XXXX   XXXX ,  2016  Phone: XXXX

Company response to consumer: Closed with explanation