BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Yes, I check my credit score with XXXX yesterday and it was XXXX. I checked it today and it is reading as XXXX, with as to why it went down 23 points in one day. 

Also their is a XXXX/XXXX  account that is showing up as a public record when it is not. It is a credit card debt that has been resolved. 

I suspect fraud on my account because my information was breached in XX/XX/XXXX while working at XXXX XXXX, GA. I feel that the person who was abusing me gathered my information and corrupted my report, by reaching out to my former tenants and asking them to report untrue information. This is to create a boundary for me to make it difficult for me to progress XXXX XXXX XXXX reported that I owed them money as well as XXXX housing authority. Now every time I apply for an apartment it comes from these other sources that I owe these leasing companies. 

I've never been evicted, but these companies are reporting that I have. Now I'm XXXX because of their recklessness. Please help me resolve these issues by reaching out to XX/XX/XXXX, XX/XX/XXXX, Transunion, XXXX Housing Authority, XXXX/XXXX, XXXX XXXX XXXX, and Virginia Treasury Department, Please reach out to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and other leasing reporting agencies to have these incorrect items removed? The information that they have about my rental and credit history is suspected fraud on there part for reporting incorrect 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 explanation
Consumer complaint received 2023-01-04
Company: ENCORE CAPITAL GROUP 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:
MIDLAND FUNDING IS REPORTING AN ACCOUNT ON MY CREDIT REPORT THAT DOES NOT LOOK FAMILIAR TO ME. THE ORIGINAL CREDITOR IS XXXX  XXXX, BUT XXXX XXXX HAS NOT PERMITTED ME TO OPEN AN ACCOUNT WITH THEM SINCE I WENT BANKRUPT YEARS AGO SO I AM CONFUSED AS TO HOW AN ACCOUNT WAS OPENED IN 2021. I FILED A FTC COMPLAINT AND WILL ATTACH THE REPORT. I WAS INVOLVED IN A DATA BREACH SO IT IS VERY PLAUSIBLE THAT MY INFORMATION WAS OBTAINED THAT WAY. I DON'T UNDERSTAND HOW A COMPANY CAN REPORT INACCURATE INFORMATION WITHOUT SENDING ANY TYPE OF VALIDATION ESPECIALLY WHEN IT'S BEEN REPORTED THAT THIS IS POSSIBLY A FRAUDULENT ACCOUNT. PLEASE HANDLE THIS IN A TIMELY MANNER AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY. PLEASE SEE THE ATTACHED REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX   XXXX, XXXX XXXX, FL XXXX Todays Date : XX/XX/XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me  Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Kohl 's has not provided a signed credit card agreement. Where is the SIGNED credit card agreement. Stop sending documents that have not requested. 
Why is Kohl 's not noting on the account that is in a billing dispute and the company still continues to charge interest on an UNVERIFIED account and report it erroneously to the credit bureau. 
Kohls Bill Disputes : I DO NOT owe the balance of {$750.00} as of XX/XX/XXXX or any other updated balance that Kohls currently alleges I owe for Account Number : XXXX due to the aforementioned and the following : KOHL 's does not mostly have US phone representativesanswering their phone calls. At least, that has not been my experience. I provided a phone call log with over 12 reps ( of the ones that are logged ) and only two of them were from the US and I only reached them because I had to requestthem after being transferred around, stalled and hung up on from outsourcedcustomer reps. 
Capital One N.A. ( Kohl 's ) has been reported to have moved most of their call center rep jobs overseas and cut American worker jobs. In the wake, I don't understandmost of thecustomerreps I reach and have not receivedadequate servicing in trying to resolve the alleged balance that Kohl 's Capital One N.A. has attempted to attribute to me. 

Kohl 's HAS STILL NOT PROVIDED a SIGNED contract that has been requested several times on the several phone calls listed on the XXXX previous complaint I submitted to CFPB. Kohl 's has only provided a card agreement which is NOT a signed contract. 
KOHL 's continues to falsely report unverified non contractual balances to the credit bureau whenit still has not provided a signed contract. 


KOHL 's, Kohl 's Inc. ( associated with Capital One N.A. ) needs to provide an authorized SIGNED contract. They STILL have not provided one as of XX/XX/XXXX and XX/XX/XXXX despite several requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a natural person, I am a living human being, I have a rights under 15 USC 1681.

TransUnion is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give TransUnion written permission to furnish these accounts XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$850.00} XXXX {$1100.00} XXXX XXXX XXXX {$8900.00}

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 non-monetary relief
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 noticed 2 unauthorized inquiries in my transunion report on XX/XX/2021 from XXXX XXXX. Please delete as I did not authorize or consent.

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 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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/XXXX I contacted TransUnion about the following negative accounts ( DEPT OF XXXX / XXXX ( Opened XXXX XXXX, XXXX, Balance {$2500.00} ), XXXX OF XXXX / XXXX ( Opened XXXX XXXX, XXXX, Balance {$5100.00} ), XXXX XXXX ( Opened XXXX. XXXX, XXXX, Balance {$1100.00}, Original Creditor Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX {$1900.00}, XXXX XXXX XXXX XXXX XXXX BANK ). XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$4300.00} ), XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Credit limit {$500.00} ), XXXX ( Opened XXXX. XXXX, XXXX, XXXX {$0.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2020-06-08
Company: Ray Klein, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I had XXXX at a XXXX XXXX XXXX. One of the bills was for {$6600.00}. XXXX XXXX, my insurance company, paid {$4500.00} of this bill and on XX/XX/XXXX I was billed for the remaining {$2000.00} ( the XXXX XXXX statement attached to this complaint verifies that the insurance company paid {$4500.00} ). On XX/XX/XXXX I made two payments that totaled {$2000.00}. See attached screenshot from the XXXX XXXX website verifying payment. I have also included the EOB from the insurance company backing up the above figures. 

Last XXXX, XXXX XXXX issued a rebate to XXXX XXXX for some reason ( presumably as part of their standard business relationship, which, according to XXXX XXXX, had nothing to do with my XXXX ). A clerk at XXXX XXXX [ presumably ] mistakenly applied {$530.00} of the rebate to my account, which had been closed since XX/XX/XXXX. So now XXXX XXXX 's ledger showed that I owed {$530.00}. I explained to them why I didn't ; XXXX XXXX explained to them why I didn't ; and then XXXX sent the debt to a collector, Professional Credit Service. They contacted me in XX/XX/XXXX and I responded on XX/XX/XXXX with all the proof that I did not owe the debt, and I asked them to stop contacting me ( as I understood it to be my right ). On XX/XX/XXXX they contacted me again ( illegally? ) to try to collect the debt. I have once again asked them to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, 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:
I already send few times complaint to you and you still posting this account on my name! I have no idea where is came from and who applied for it. Im sure that someone have my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX   XXXX, XXXX XXXX, FL XXXX Todays Date : XX/XX/XXXX JEFFERSON CAPITAL SYST XXXX JEFFERSON CAPITAL SYST XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Can you please remove these unauthorized accounts from my credit report as I never gave permission to anyone to use my account? Also, kindly remove this inaccurate account from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

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 2023-06-01
Company: Experian Information Solutions Inc.
State: GA
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 # 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

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 2020-02-26
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed  below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm simply trying to contact PrimeLending through the site they have assigned us which is https :  //primelending.loanadministration.com/Login There's NO CONTACT US number , email, form, or chat once logged into the site. I see no phone number ANYWHERE for customer service, and I have questions about my payoff. I have to provide this information to refinance, and I find this to be PrimeLending 's way of preventing people from calling about their payoff so they can go somewhere else. I feel captive by this company and want to get out of it. I have no idea who to contact, no information of the previous loan officer, and if I WAS going to be late on my payment or have issues with Covid, I have NO IDEA how I would get a hold of either a live person or even a form to fill out to contact them or receive contact from them. I'm at a loss, and they need to fix this. I believe they HAVE to clearly have a location where clients can feel that they have FAQ 's or ways of contacting. At the minimum there should be a place on their site for me to easily order a payoff like you can on XXXX or XXXX. For a company as large as them, I feel this is by intention, not by accident and I feel this is aproblem that needs addressed right away. 

I can't even get my full account # on the site, because it doesn't show it anywhere on the site.

Company response to consumer: Closed with explanation