BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-19
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My family and I moved out of our apartment on or around XX/XX/XXXX. At the time we moved out, our rent was current. I had given the apartment complex 60 days notice, pursuant to my lease as I had been there since XXXX. The property had been under several different management companies, and kept shabby records. When I notified them of my move, they filed a judgment against me stating that I owed over $ 5k. I have a copy of the email that was sent on XX/XX/XXXX and the complex 's response on XX/XX/XXXX. ( see attachment ) In the 3 years, that I resided at the property I maintained a good payment record with them. 
I started receiving calls in XXXX from Fair Collections & Outsourcing. I advised them that I didn't owe the debt. They kept calling incessantly, early in the morning, and late night hours. I have disputed this on all 3 of  my credit reports but have not been successful. 
They have not demonstrated any proof that I owe the debt. 
The apartment complex kept my security deposit and filed an erroneous judgment. 
We sent our 30 day notice via email. I have the email to proove it. 
In reading reviews of the debt collector, it appears that this is how they operate. They are rude and very disrespectful. I have maintained a good credit rating, and this has impacted my ability to purchase a home. 
I have also mailed a letter requesting that the debt be validated pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several accounts that were listed on my credit report and they do not belong to me!! I don't know how this information was placed but I need it REMOVED IMMEDIATELY..I don't know who these accounts are, I never had business with them.. CFPB Please help me solve this issue by removing XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX , XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21
Company: AFNI INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CALLING MY DADS CELL PHONE AND WILL NOT STOP COLLECTING ON  XXXX , THIS DEBT WAS PAID BY   XXXX   IN A OUT OF COURT SETTLEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
You have wrong name, XXXX XXXX XXXX which it 's not me, you have wrong address, you have wrong employment info, have never worked for XXXX.My name is XXXX XXXX not 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 2019-04-17
Company: Avant Credit Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XX/XX/19- ONLINE Lender XXXX Loan ID # XXXX Unable to pay online- option is not able to function with no explanation from company as to WHY last month XX/XX/2019 or this month XX/XX/2019. Unable to CHANGE VIEW VERIFY full banking acct info. unable to CHANGE VIEW VERIFY email address on file. Same issue XX/XX/2019 and I was told this would be resolved. It is not. Prior complaint stated that I told company not to email me. I did not. FOR THE RECORD THE COMPANY CAN email me ANYTIME DAY OR NIGHT AT XXXX XX/XX/19 I just called again, spoke to XXXX whom assured me this issue would be escalated, so I can check back in few days for access to my account information. Prior complaints filed, as Co. is  difficult to work with/lack of integrity in fairly dealing with consumer/prevent you from paying or knowing about amounts due, no notices, but no access to account either. I get emails sometimes, but in last complaint they stated I requested no email contact from them. I DID NOT. NEVER Happened. Only get emails when convenient for company. They want your account to go past due to add on more fees. Blocking me from accessing account is violation of the FDCPA.. YOU ARE preventing me from paying online and seeing what you are really doing with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: EQUIFAX, INC.
State: RI
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:
I 'm trying to update my current address with Equifax. After a 20 minute discussion with a representative that does not reside in the US they still have my address wrong. The reason they gave me was because my credit is frozen. However, they asked me very detailed questions to verify my ID, but would not update my address ( Which I 've been at for 2 years now ). They wanted me to fax my SS #, Drivers license, who uses a fax machine??? I just want them to update my address which should be easy after they have verified who I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

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 2017-06-21
Company: MRS Collections LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
We are currently behind in our sewer and have been working to pay off our balance. The employees that work for Modern Recovery Solutions are rude and impossible to deal with. They told us they placed a lien on my property and that is not true. I verified this information w ith our county re corder of deeds. They are also threatening to shut off the water to a house we no longer live at. The water is no longer in our name and closed. They told us that we have to apply for a loan and provide a denial letter to be eligible to make payment arrangements. We can not afford an inquiry on our credit just to prove that we can not get a loan to make payments. How is that even a legal request to make a consumer apply for a loan to be able to make payment arrangements?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-04-17
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have sent in a written request to close my XXXX account XXXX. The signed letter went USPS tracking # XXXX. They refuse to close without a visit to the branch.

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 2021-07-12
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX a charge for {$390.00} was made on my citibank card at XXXX XXXX. I did not notice the charge until I received my statement, at which time I called citibank and told them that the charge was not mine. I also went to XXXX XXXX and told them of the charge. I do shop at this store. However, if you look at the charges, you can see that I do not spend this kind of money at the store. I buy lunch there, and sometimes dinner. It is a specialty supermarket across the street from where I work. I spoke to the manager and she said that sometimes there is a glitch in the system and that the register does not clear the transaction properly. She said they only keep 7 or 14 days in the store, so she would be unable to investigate the transaction. The credit card company said they would take care of it. However, when I checked my statement on line I noticed that they did not dispute the transaction and I phoned them again. Today I received a letter in the mail stating that I was responsible for the charge ( THAT I DID NOT MAKE ) and that it was going to affect MY CREDIT REPORT. Now, I not only take exception to this I have a definite issue with it. I ALWAYS PAY MY BILLS. ALWAYS. CHECK. I DO NOT PAWN MY RESPONSIBILITIES OFF ON ANYONE ELSE AND I SURELY DO NOT WANT THEM PAWNING THEIR RESPONSIBILITIES OFF ON 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 2021-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I do all my banking with XXXX XXXX. I also have a car loan with XXXX XXXX XXXX. I was diagnosed with XXXX and XXXX XXXX  XXXX and had to recover in the hospital for over nine weeks. I also informed XXXX XXXX and wells fargo credit that I would have to make 3 small payments for only a period of four weeks. They approved this covid relief and granted the smaller payments. I recently discovered a decrease from XXXX to a XXXX in my credit report that was because of XXXX XXXX XXXX reporting a late payment. I am requesting that they promptly take this off my report and have talked to XXXX XXXX banking and they also agree to reach out. They have been kind enough to cover NSF and any related charges to help me through this crazy time. Please take this off my credit report so I can refinance my home at a good rate and keep my son and I in our home.

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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Good evening ; I have noticed identity theft someone with my same name used my information to a company I never herd of and they have posted it in my credit report. I contact the credit Berau Transunion and they hanged up on me many times after I sent a register letter letting them know that by law they were not supposed to put items that are not mine on my credit report and they have it there causing me to hurt my credit report and having negative item in there. I spoke to Transunion supervisor and she hanged up on me telling me that a company can damage my credit report and report something is not mine. I need help I have the proof that I have sent a letter to them asking them to provide me a signature or something that was done by me and they never sent me but they receive the letter I sent and they said they do not need to follow the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is putten in there. I am scare because I already had identy theft and they want me to give them more information so it gets leaked again. Please help me so Transunion can take those innacurate inquiries 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 that are hurting my credit score and I cant take a home because Transunion is refusing to remove information that is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: Experian Information Solutions Inc.
State: FL
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 submitted a identity theft report to XXXX and Experian and they both denied me my right to have the information blocked from my credit report. I was not given a reason as to why the information wasn't removed, they also did not block the information from my report within 4 business days as they are supposed to. This is infringing upon my right as a consumer to have corrected and updated information to be shown on my credit reports, this hurts my ability to obtain credit. I would like to request that they immediately delete the accounts that are fraudulent and do their best to keep inaccurate info off my reports and from hurting my chances at obtaining credit.

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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with 15 USC 1681 ( a ) ( 1 ), The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. Over the last 4 months, I have sent Transunion countless letters requesting that Transunion delete the accounts, XXXX XXXX XXXX XXXX XXXX. XXXX investigated both accounts and removed them on XX/XX/2022. Transunion is required to follow reasonable procedures to assure maximum possible accuracy which Transunion has failed to do. I have provided Transunion with an abundance of evidence of the inaccuracies furnished on my consumer report which Transunion has failed to correct. Transunion has failed to exercise its grave responsibilities with fairness, impartiality, and respect for my consumer 's right to privacy in accordance with 15 USC 1681 ( a ) ( 4 ). Im demanding Transunion delete accounts XXXX XXXX XXXX XXXX XXXX from my consumer report. I have attached the document from the CFPB of the deletions of these accounts from XXXX. This IS NOT an investigation request. I am Demanding these accounts be deleted. SEE ATTACHED DOCUMENT.

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 2019-04-17
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am a victim of identity theft and have been a victim of identity theft for over 25 years. Someone stole and used my Citibank Visa credit card account and made fraudulent charges using my credit card account. The balance on the fraudulent account is {$24000.00}. I want Citibank to not hold me liable for the fraudulent charges and send me a new card with a new account number with my credit limit of {$11000.00}. Under the Fair Credit Billing Act ( FCBA ) which is federal law, I cant be held liable for fraudulent charges and unauthorized use of my credit card and credit card number. Citibank is violating FCBA by holding me liable for fraudulent and unauthorized charges/transactions on my Citibank Visa credit card 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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Please remove ASAP.

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 2022-08-31
Company: LEXISNEXIS
State: NJ
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:
On XX/XX/XXXX and XXXX and XXXX, XXXX, I sent letters all three credit bureaus asking for them to remove bankruptcy off my report. They somehow claimed they verified accurate information by via LexisNexis and XXXX  yet, failed to respond to my questions of their methods of verification. XX/XX/2022 I resent letters certified with tracking numbers # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022, I went to the courthouse asking do they report bankruptcies to any credit bureaus and they immediately said no and gave me correspondence stating that US Bankruptcy Court do not report or provide information to credit bureaus or any other agencies. LexisNexis sent me an opt out letter stating they protect my information. So, if thats the case, how did the credit bureau verify a bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 U.S.C. 1681. 15 U.S.C. 1681 section 603 ( 3 ) ( E ) States ; the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency. When was such information obtained? You have violated my rights numerous times. You have violated my given rights under 15 U.S.C. 1681. According to 15 U.S.C. 1681 section 602 A. States I have the right to privacy. According to 15 U.S.C.1681 section604 A. Section 2 : A consumer reporting agency can not furnish an account without written instructions. According to 15 U.S.C. 1681 s-2 ( A ) ( 10 A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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:
This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, and 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