BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-04
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX, a collection company, purchased my bad debt from XXXX XXXX, the original creditor on XX/XX/2012 with a final balance owed of {$8100.00}. XXXX XXXX is now reporting on my XXXXs as an Account and not a collection company. XXXX XXXX is a debt buyer/collector, which can not extend credit to any one. They are reporting in my " OTHER '' accounts section of my XXXX credit report. XXXX XXXX list the debt as as a " Retail '' Creditor Classification, and updated the Payment Status of " Collection Account ''. The account will show up in my " Negative Accounts '' Section because of the payment status, and not because it is being listed as collection company. I want XXXX XXXX to stop this fraudulent way of reporting and remove their accounts from all three of my XXXX ( XXXX, XXXX, & XXXX ) They accepted or purchased the debt, that does not give them the right to report as an original creditor, thus creating the fascade that I have unpaid account that is current. The orignal creditor is no longer reporting on my credit file. This does not give XXXX XXXX to act as if they are the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
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: Old information reappears or never goes away

Complaint:
I am writing to advise of an ongoing discrepancy on my 3 credit bureau reports ( Experian, XXXX and XXXX ) caused by XXXX/ XXXX XXXXXXXX ( formerly known as XXXX XXXX ). They are currently reporting an account and associated loans as a profit and loss write-off, with the current balances due. This account/loans were for Private Student Loans, which are unsecured loans and not federally funded. Their website indicates that the first payment was due on XX/XX/XXXX and no payments were ever received. As you are aware, there was no grace period on these private student loan. I have made multiple requests, over the past several years, for copies of any promissory notes and/or contracts bearing my handwritten signature, but none have been provided to date. Given these facts, I assert that XXXX/XXXX XXXX ( formerly XXXX XXXX ) is currently in violation of the FCRA as described below : Per FCRA 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

The 7-year +180 day period which is allowed under FCRA began on XX/XX/XXXX and has since expired on XX/XX/XXXX. Regardless of XXXX 's choice to officially charge off the account/loans at a later date, my protection under this rule should not change. I therefore requested that the account and all associated loans be deleted from my credit report with all three credit bureaus ( Experian, XXXX and XXXX ) IMMEDIATELY, with written confirmation sent within 30 days. I also request that XXXX  ( formerly known as XXXX XXXX ) and its assignees refrain from any and all collection activities including credit reporting at a later date. Failure to remove these accounts constitutes a violation of the 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 non-monetary relief
Consumer complaint received 2018-05-04
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: Old information reappears or never goes away

Complaint:
I am writing to advise of an ongoing discrepancy on my 3 credit bureau reports ( XXXX, XXXX and TransUnion ) caused by XXXX/ XXXX XXXXXXXX ( formerly known as XXXX XXXX ). They are currently reporting an account and associated loans as a profit and loss write-off, with the current balances due. This account/loans were for Private Student Loans, which are unsecured loans and not federally funded. Their website indicates that the first payment was due on XX/XX/XXXX and no payments were ever received. As you are aware, there was no grace period on these private student loan. I have made multiple requests, over the past several years, for copies of any promissory notes and/or contracts bearing my handwritten signature, but none have been provided to date. Given these facts, I assert that XXXXXXXX/XXXX XXXX ( formerly XXXX XXXX ) is currently in violation of the FCRA as described below : Per FCRA 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

The 7-year +180 day period which is allowed under FCRA began on XX/XX/XXXX and has since expired on XX/XX/XXXX. Regardless of XXXX 's choice to officially charge off the account/loans at a later date, my protection under this rule should not change. I therefore requested that the account and all associated loans be deleted from my credit report with all three credit bureaus ( XXXX, XXXX and Transunion ) IMMEDIATELY, with written confirmation sent within 30 days. I also request that XXXX ( formerly known as XXXX XXXX ) and its assignees refrain from any and all collection activities including credit reporting at a later date. Failure to remove these accounts constitutes a violation of the 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 non-monetary relief
Consumer complaint received 2020-08-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting an approval for Credit cards. 

The account listed below is not mine. I sent in multiple letters and haven't received any response about my complaints. I don't understand what is really happening? Please help me! Thank you so much. 


-XXXX XXXXXXXX -XXXX XXXX  XXXX -XXXX   XXXX -XXXX  XXXX XXXX XXXX I I XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
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: Personal information incorrect

Complaint:
On XX/XX/21 I sent certified mail to Experian stating : You have my real name, my current address, date of birth and SS #. 
My current employer is XXXX XXXX. 
My current phone number is XXXX. 
Please remove all other items from my personal history including any names that are not XXXX XXXX XXXX, previous addresses, and previous employers because Im afraid that I might be susceptible to identity theft Experian has responded on XX/XX/21 without doing anything I requested of them and instead sending me online form to fill without the option to remove any of the information I requested. I fear that using that form will cause me to forfeit my rights to seek legal action against Experian.

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 2017-08-02
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Person or persons unknown to me use the name XXXX XXXX and my social security number to open two credit card accounts with XXXX XXXX XXXX. Note : My name is XXXX XXXX XXXX not XXXX XXXX that was used to open these two fraud accounts Allegedly Resurgent Capital Services purchased both cards on X/XX/2017 When I became aware if these two fraud credit cards I contacted XXXX XXXX XXXX and was referred to Resurgent Capital Services, I contacted Resurgent Capital Services Twice disputing these fraud accounts, I requested that Resurgent Capital Services supply me with copies of the applications that were submitted for the credit cards listed above to verify these two accounts, along with a copy of the sales contract from XXXX XXXX XXXX and Resurgent Capital Services, Resurgent Capital Services can not produce the applications for credit in my name XXXX XXXX XXXX nor will they supply a copy of the contract between XXXX XXXX band and Resurgent Capital Services to verify that both accounts are valid and that they own the two fraud credit card accounts. Resurgent Capital Services as of this date XX/XX/2017 is reporting False and incorrect information pertaining to both fraud credit card accounts to the credit reporting agencies. Fraud/Identity Theft report has been made to my local police department # XXXX and also made to the Federal Trade Commission FTC report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting an approval for Credit cards. 

The account listed below is not mine. I sent in multiple letters and haven't received any response about my complaints. I don't understand what is really happening? Please help me! Thank you so much. 


-XXXX XXXX -XXXX XXXX XXXX -XXXX   XXXX -XXXX  XXXX XXXX XXXX I I 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 2022-08-08
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I, the consumer, natural person and original creditor have come to the understan that Equifax, XXXX and XXXX have placed inquiries on my consumer report without my knowledge and authorization. This also tells me that transactions took place without my knowledge. Seeing as though I have no received any benefit regarding this violation, they should not have been placed on my account. Not only have my rights to privacy been breached but I also did not give these companies permission to furnish this information. This is a violation of the Credit Reporting Act Section 1681 b ( c ). Also 15 USC 1681 b, 15 USC 1681b ( c ) ( 3 ) and 15 USC 6802. I am well aware of how consumer reports work. It troubles me to know that you relied on my ignorance to think that I would not recognize these violations being committed to not only me, but countless other consumers!! As a consumer, natural person and original creditor protected by the FDCPA Title 15 Chapter 41, Pursuant to 15 USC 1692c ( c ) ( 3 ). I am demanding validation of this information showing documentation with any of these accounts bearing my signature authorizing an inquiry. I also demand that these inquiries be blocked and removed from my consumer report immediately! I also demand Equifax, XXXX and XXXX to provide documentation of me providing them permission to furnish my information. I am attached a copy of the inquiries I am requesting to be removed. 

Best regards XXXX : XXXX All XXXX inalienable rights reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I originally had multiple loans serviced by AES. I have always paid on time and have never been delinquent. In XX/XX/XXXX all but one of my loans serviced by AES were transferred to XXXX. 

My automatic payment was already processing to AES which included the payment to loans now serviced by XXXX. Before they were due in XXXX, I emailed AES on XX/XX/XXXX to request {$720.00} of the {$800.00} payment forwarded to XXXX to cover the loans they are now in charge of. I recieved the following confirmation from AES : " Thank you for contacting American Education Services ( AES ). A request has been submitted to have only {$720.00} of the {$800.00} payment forwarded to XXXX. Please allow up to ten business days for this request to be processed. '' As of XX/XX/XXXX, no payment has been forwarded from AES to XXXX, and we are well past the 10 business day timeline they committed to in XX/XX/XXXX. I have been in contact with Navient multiple times to explain the situation throughout XX/XX/XXXX and they have our conversations documented ( so do I ). I am now trying to pay just my XXXX loans for XX/XX/XXXX but they won't allow me to pay unless I pay both XXXX an XX/XX/XXXX, which is a substantial amount for me. I don't know what to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: AR
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose and violation of the true and lending act 15 USC 1666 ( b ). It's very stressful because it has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I don't have any choice but to seek legal remedies to take care of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
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:
Incorrect/ fraud information Identity theft XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX   XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XXXX XXXX at XXXX XXXX my account was debited for {$1200.00} from Ace # XXXX ( Ace Check Cashing ) Which to my understanding is in California. I live in XXXX Florida and I have never traveled to California. I have reached out to the institution to inform them of the unauthorized debit from my account and they advise my claim was denied solely on the fact that their associate verified my identity which is highly impossible I have filed an id theift report with my local police department regarding this matter. I asked the customer service team was any video footage pulled regarding the verification their only rebuttal seems to be that they believe there associate did the correct verification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on 3 different occasion i have sent depute letters to experan, XXXX  and XXXX about 2 collection accounts on my credit report and ask that an invention be done According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ). the first letter was sent on XX/XX/2020 .and it came back as validated and verified, so i sent a second letter on XX/XX/2020 asking for proof of the investigation and a copy of the original creditors documentation on file to verify that this information is mine and is correct. And there response was to up date my credit report with validated and verified with no feather information on there investigation or how it was performed. My credit report shows that the investigation was opend and closed, so i'm sending a third letter asking that these 2 accounts be removed off of my report pursuant to Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) .of the FCRA.i am filing a complaint with you and asking that an investigation be done on my behave to have these accounts removed for they are hurting my credit score and preventing me from obtaining funding that i need to fund my business.

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 2020-07-28
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I logged in online to send a payment via chase website through XXXX. I attempted to send funds to someone that has had transactions with me before. Chase immediately felt it was suspicious activity, so they text and called me to verify and I regained access. I tried again to do the transaction, and they decided to not allow me access online, and block my whole account. Upon calling, they expected me to go to a branch with 2 forms of ID. I just gave birth, but went anyway. Even after giving the ID 's I'm still blocked! I can't log in or get any access whatsoever into my account. The bank is holding my funds hostage with no idea when they will release my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
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:
XXXX XXXX XXXX is in accurately reporting a timeshare account as a conventional mortgage. Because of this error my husband and I are unable to secure a traditional mortgage. Please update the account type/category and remarks to reflect that the account is a time-share and NOT a mortgage. 

We tried disputing through the CFPB but was unsuccessful because this company is not listed in their data base.

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 2020-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to TransUnion and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

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 2020-07-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Account # XXXX {$520.00} XXXX XXXX XXXX XXXX  Account # XXXX {$120.00} XXXX XXXX XXXX Account # XXXX {$470.00} XXXX XXXX XXXX Account # XXXX {$1300.00} The above accounts were opened fraudulently in my name. Please remove them immediately from my credit profile due to identity theft under section 605-B of the 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 2022-08-08
Company: Resurgent Capital Services L.P.
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:
An unrecognized collection account appeared on my credit report on XX/XX/22. I have never had any business exchange with this company.

Company response to consumer: Closed with explanation