BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-14
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
IQ data contacted us via phone and mail regarding a debt we are currently disputing with a rental agency that grievously violated the lease so we vacated after trying to resolve the matter. 
We notified IQ through Certified Mail in XXXX that we were disputing the debt and per the Fair Debt Collections Act to only contact us via mail, not phone. They continued to call and harass us after the Certified Mail and have shown no proof of investigating the debt.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened this account online. I initially made 3 deposits, but the 3rd deposit was because I did not think the second one went through. Less than one week later I received a short letter saying my account was frozen and under review. I then tried to call and get information as to what was wrong. I have repeatedly told that they have no information to provide me with. I have called over and over and still my funds are being held with no resolution in sight. I have no other choice at this time but to file a complaint against this financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
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:
In Accordance with the Fair Credit Reporting act and XXXX Account 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 XXXX 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 2015-11-06
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have obtained several emails and had countless phone calls from XXXX, representing a client that owns apartments buildings, in which I lived in for a period of time. During the time of me living there, there was a flood, in which the apartment was found uninhabitable, and my insurance company paid out a tremendous sum to the non named Apartment Complex during the claim in which no one admitted fault. ( The flood happened while I was not home ) After my insurance company paid the claim. I received very specific documentation that I was relinquished of any and all obligation I had toward that Apartment Complex. Specifically, any and all forms of payment I owed to them. This Document I obtained surely speaks for itself. Yet This Company is still after me for more money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MA
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:
At XXXX this evening I was contacted by XXXX at ( XXXX ) XXXX. An internet search says the number belongs to a bill collector company called Genesis Credit ManagemenXXXX in XXXXXXXX XXXX  He asked if I lived at ( XXXX... ) which is an address I don't live at. He mentioned that there is an outstanding charge of {$15000.00} in my name. He also called my father on his cell phone asking where I lived. This is completely inappropriate. I have been the victim of identity theft in XXXX and again in XX/XX/XXXX. I was alerted that a credit card was attempted to be opened in my name at XXXX, so I filed a fraud alert back in XXXX with the credit bureaus and my credit is frozen. Whoever charged the {$15000.00} dollars in my name was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: TCF NATIONAL BANK
State: IL
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am currently behind on XXXX car payments and have been getting at least XXXX-XXXX calls a day, not including calls to family members stating if I do not call, it will not be in my best interest. My family members are afraid for me and feel threatened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: CL Holdings LLC
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Both Jefferson Capital and XXXX have been calling me on my cell phone continuously since XX/XX/XXXX about a medical debt that I incurred XX/XX/XXXX 0r XX/XX/XXXX. I have an old bill from XX/XX/XXXX. I was in financial distress because of the recession and things have happened since to make it worse. I believe that the statute of limitations has expired to collect this debt. The debt was charged off on my credit report. What should I do to stop them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: Colony Brands, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The company Seventh Ave. in the previous report : # XXXX, has NOT followed through by removing a " duplicate account '' that I never requested & don't use. And they've used that as an EXCUSE NOT TO REPORT MY EXCELLENT CREDIT!! They said in the former complaint as a response that they would find a way to REMOVE THE DUPLICATE ACCOUNT, & THEN REPORT MY EXCELLENT CREDIT to ALL the credit bureaus AS THEY SHOULD!! But THAT NEVER HAPPENED!! They need to follow through with removing this " duplicate account '' that is THEIR system error & THEIR PROBLEM TO FIX!! & THEN REPORT MY EXCELLENT CREDIT MONTHLY AS THEY SAID THEY WOULD & THEY'RE SUPPOSED TO!! 
Also my billing address has changed to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Massachusetts XXXX United States, but every time I update info. w/ them they GIVE ME A NEW ACCOUNT #!! THEY ARE GOING TO HAVE TO KEEP MY ORIGINAL ACCOUNT ENDING IN XXXX, fix the billing info. & REPORT MY POSITIVE CREDIT just like any other company would. WITHOUT screwing up my account!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A. states I have the rights to privacy 15 U.S.C. 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2018-10-25
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:
While monitoring my credit reports I found several fraudulent inquiries on Trans Union, XXXX, and XXXX. Even though I paid to have all three credit agencies to lock or freeze on my reports, to my dismay, someone was still allowed to solicit credit in my name and was granted a XXXX cable/internet account in my name in XXXX CA. This is despite the fact at the time I had a valid XXXX account in my home in Washington, which had been active for years. Needless to say I no longer use XXXX. 

I called each company and informed them of the fraud. I also asked them why they did not contact me in accordance with the credit locks that were in place. I asked all of the companies to remove their inquiry from my credit report. I also contacted Trans Union, XXXX and XXXX to inform them of the fraud and requested the inquiries be removed. I also disputed the inquires via one of these agencies online form to no avail. XXXX XXXX and one other creditor honored my request and removed the fraudulent inquiry. 

The majority of the fraudulent accounts were initiated with a XXXX CA address. I contacted XXXX PD and reported the fraud to their Financial Crimes division. They opened a case. 

Months later XXXX discontinued my service and claimed I owed them over {$900.00} for service in XXXX CA. I explained to them that I contacted their office in XXXX about the fraudulent inquiry. Yet it turns out they gave the perp an account in my name despite my informing them. After trying for more than a week to have XXXX correct this issue, I filed a complaint with the PA Attorney General. XXXX eventually apologized and removed the collection from my reports. 

Currently I still have several fraudulent inquires on all three credit reporting agencies even though I have asked the companies and the agencies to remove them. I would like to have every fraudulent inquiry removed. 

TRANS UNION fraudulent inquires : XXXX   XX/XX/2017 XXXX XX/XX/2017 XXXX  fraudulent inquiries : XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX  fraudulent inquiries : XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 Please note, I currently have an active XXXX XXXX Card and an active XXXX XXXX Card. The fraudulent inquiries cited above are NOT associated with my current active accounts. One of which is more than 14 years old.

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 non-monetary relief
Consumer complaint received 2017-06-22
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX MN XXXX PHONE : XXXX ACCOUNT NUMBER : XXXX ... To Whom It May Concern : I have contacted the debit card department and they confirmed that the account was closed and does not have any balance. This is reporting negatively on my credit report as Paid in Settlement {$39.00} written off. There was fraudulent transaction and it was disputed and I have paid the full balance. The representative over the phone clearly mentioned that there is no balance and this company still reports incorrect information on my credit report. This is hurting my credit score and my ability to get a home mortgage for my family with XXXX kids. Please delete this information from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Resurgent Capital Services L.P.
State: FL
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX, account number XXXX and LVNV FUNDING LLC account number XXXX has violated my rights. 
15 USC 1681-602A states I have the right to privacy.

15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
I am not liable for these debts, I do not have a contract with these collections and they did not provide me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: URS Holding, LLC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
ALL XXXX XXXX XXXX has violated my rights and broken laws in doing so according to 15 US code 1692b.section 5 ANY DEBT COLLECTOR COMMUNICATING WITH ANY PERSON OTHER THAN THE PURPOSE OF ACQUIRING LOCATION INFORMATIOM ABOUT THE CONSUMER HALL NOT USE ANY LANGUAGE OR SYNBOL ON ANY ENEVLOPE OR IN CONTENTS OF ANY COMMUNICATION EFFECTED BY MAILS OR TELEGRAM THAT INDICATES THAT DEBT COLLECTOR IS IN THE DEBT COLLECTING BUSINESS OR COMMUNICATION RELATES TO COLLECTION OF DEBT. 
15 US CODE 1692D HARRASSMENT OR ABUSE .SECTION 5 A DEBT COLLECTOR SHALL NOT CAUSE A TELEPHONE TO RING OR ENGAGING ANY PERSON IN TELEPHONE CONVERSATION REPEATEDLY OR CONTINUOUSLY WITH INTENT TO ANNY ABUSE OR HARRASS ANY PERSON AT THE CALLED NUMBER.

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 2017-06-22
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX PHONE : XXXX ACCOUNT NUMBER : XXXX ... To Whom It May Concern : I have contacted the debit card department and they confirmed that the account was closed and does not have any balance. This is reporting negatively on my credit report as Paid in Settlement {$39.00} written off. There was fraudulent transaction and it was disputed and I have paid the full balance. The representative over the phone clearly mentioned that there is no balance and this company still reports incorrect information on my credit report. This is hurting my credit score and my ability to get a home mortgage for my family with XXXX kids. Please delete this information from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX

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 2023-11-04
Company: EQUIFAX, INC.
State: FL
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:
There are XXXX collection accounts on my Equifax Report that should have already come off. 

XXXX XXXX ending in XXXX had a date of first delinquency of XX/XX/XXXX ( removal on XXXX ) and Equifax will remove an account 30 days prior to retention date, which would have been XX/XX/XXXX. 
They are showing that the date of first delinquency was XX/XX/XXXX. That is inaccurate. That would mean that this is due to come off XX/XX/XXXX and with Equifax 's policy mentioned above, it will be removed XX/XX/XXXX. You may think this is not a big deal because that is in 26 days, but this should have already been off of my report. 

XXXX XXXX ending in XXXX had a date of first delinquency of XX/XX/XXXX ( removal on XX/XX/XXXX ) and Equifax will remove an account 30 days prior to retention date, which would have been XX/XX/XXXX. 
They are showing that the date of first delinquency was XX/XX/XXXX. That is inaccurate. That would mean that this is due to come off XX/XX/XXXX and with Equifax 's policy mentioned above, it will be removed XX/XX/XXXX. You may think this is not a big deal because that is in XXXX days, but this should have already been off of my report. 

I have called Equifax incessantly, spoken to multiple Supervisors, filed many disputes about these XXXX accounts & reached out to XXXX XXXX ... .to no avail. These XXXX accounts have already been removed off of my other credit reports. Equifax needs to remove these accounts from my credit report. Unfortunately 7 years ago, someone ruined my credit. I did my time... waited the 7 years and this company is playing games. 

In addition, I purchased this product called Equifax Complete, so I can see up-to-date information daily on my credit report and it provides credit scores for Equifax, XXXX & XXXX. Much to my surprise, my XXXX credit score is being reported on their website as XXXX, when in actuality it is XXXX, which I took a snapshot of XXXX minutes prior on XXXX 's website. Equifax is reporting inaccurate scores. I don't know my XXXX score yet, but Equifax is reporting it as XXXX, which can not be right because it has nothing bad on it and has same accounts as my XXXX account has. This needs to be rectified ASAP. These people can not just mess with people 's credit like this. 

* I'm not sure why my husband 's name is on this account. His email is XXXX. I will call you on Monday to rectify this. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX. XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these account to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$400.00}.

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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My first attorney on XX/XX/2022 and again on XX/XX/2022 sent notifications to all three credit bureaus about XXXX XXXX  XXXX My latest attorney sent on XX/XX/2022 a follow up and demand to the bureaus and creditor with no reply at all. I'v called the creditor and get passed around trying to validate this account and do not have anything from them. My attorney feels this is infringing upon my rights and goes against FCRA. With no reply this must be removed off our report IMMEDIATELY before we have to take any further legal action. Please help us get a resolution.

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