BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-23
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:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 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 Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: EQUIFAX, INC.
State: NC
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
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:
I was made aware of some accounts reporting on my credit that does not belong to me. The reason I found out is that I was trying to buy a new car today XX/XX/2020 and when they ran my credit to see if I qualified for the loan, I was told that I did not get approved due to these accounts. None of those accounts are mine nor did I ever allow anyone to open them in my name. I don't know who could have stolen my personal information to open these accounts but I have already filed a police report regarding these unauthorized accounts. I did not benefit anything at all from these accounts nor did I make any transactions, purchases or payments towards any of these accounts.

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 2021-10-07
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The financial firm ability XXXX XXXX is a debt collector who have been handling my debt from XXXX XXXX XXXX, for XXXX $ and the person I am speaking to resolve my payment, has been aggressive, disrespectful and refuse to offer me account settlement documentation. The school has Been not helpful and there should be an action taken on the financial service provider

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

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 2023-02-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. Please find the ATTACHED documents to assist in blocking the erroneous items which are being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$24.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXXXXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX Balance Owed : {$62.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$260.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$360.00} 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
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: Information belongs to someone else

Complaint:
The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed 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 non-monetary relief
Consumer complaint received 2023-01-05
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I sent this company a letter for a review of the application or a reconsideration of the decision. I have yet to receive a response. It has been a while so I decided to get some help resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: Lockhart, Morris & Montgomery Inc.
State: TX
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:
LOCKHART, MORRIS & MONT has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile.

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. ( letters attached to show when I disputed account below ) This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX  CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02
Company: EQUIFAX, INC.
State: NV
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:
The lender must send a notice that the property was sold must give the date, time, and location of the sale. A defiency letter i never received please provide date in time stamped of items being mailed Request a 1099-c or 1099-a .I never received proper notices show proof mailed sent in received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a service-disabled veteran. In XX/XX/2023, I opened a Turist Simple business checking account with Truist Bank for my vending machine company - named " XXXX XXXX XXXX XXXX  ''. It is a small business and I only have XXXX vending machines. 

I opened the account with a {$500.00} deposit on XXXX and another {$110.00} deposit on XX/XX/2023. Since that time, I had only made a few very small withdrawals of approximately {$10.00} per month ( or less ) to pay a commission to the business where the machines were located. I also deposited another {$100.00} in XX/XX/2023. 

On XX/XX/2023, I visited the Truist Branch to make a {$200.00} deposit. At that time, I asked for a balance on my account. I was then informed, by the teller, that I had a balance of {$2.00}. I was very surprised. He then proceeded to tell me that there were XXXX withdrawals made against my account in XX/XX/2023 by a company online, XXXX. On XX/XX/2023, a withdrawal of {$290.00} and on XX/XX/2023, a withdrawal of {$390.00}. Total : {$690.00}. Neither of the withdrawals were authorized by me. 

I immediately filed a Fraud Claim # XXXX with the Truist Fraud Department , on XX/XX/XXXX, the day I became aware of the unauthorized withdrawal. I also immediately contacted the Police Department for XXXX XXXX XXXX, Virginia and filed a Police Report # XXXX on XX/XX/2023. 

On XX/XX/XXXX, I made a follow-up call to Truist to inquire about the status of my Claim # XXXX and I was told by the Fraud Department that the Claim was denied because the bank has a policy that the claim must be filed within 30 days of the Fraud being committed. I immediately asked for the decision to be revisited and elevated to a higher level. Because I was not aware of the Fraud to my account until XX/XX/2023, I was told by Truist that NO investigation was conducted - only a determination made because of the Truist XXXX notification policy. I also contacted the company XXXX, on XX/XX/2023, via email to report the XXXX and request that my money be returned/refunded, as it was unauthorized. 

I am requesting your assistance in getting Truis Bank to conduct an investigation, recover my funds- {$690.00} and return my money back to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-27
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$2700.00} on the XXXX XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I was moving and was searching for a new place to live and found XXXX XXXX XXXX XXXX  on-line. They were advertised as newly renovated and move-in ready. ( This was completely misleading and fraudulent. ) The pictures on-line portrayed a clean and safe complex. I contacted the leasing agent and paid the deposit and fees and rented the apartment. When I arrived at the apartment complex on XX/XX/XXXX they showed me the apartment they said I had agreed to rent. The apartment was inhabitable!! The carpets were filthy ; the bathroom smelled of raw sewage ; the kitchen had never been cleaned, the entry and other common areas were not kept up, there was trash and dog XXXX and XXXX on the stairs leading up to the apartment. I went directly to the front office to complain however they were not responsive and didnt appear to care. I had no choice but to move in. I had no other place to go. Shortly thereafter on XX/XX/XXXX I contacted the apartment manager to discuss the filthy living conditions of not only the physical apartment but the hallways and other common areas of the apartment complex. ( Please see reviews that have been submitted on line discussing the same issues. ) ( I have attached a copy of my initial correspondence dated XX/XX/XXXX. ) After living there for a short period of time, the conditions grew worse and there was no way I could allow myself and my XXXX year old child to continue to live in the condition of the apartment or the unsanitary and unsafe living conditions of the common areas of the apartment complex either, so I moved out. I spoke with a representative from the corporate office and was told that they would work something out with me and that they would not send this account to collections. ( Please see correspondence attached dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. ) I never heard back from them again until I received a bill for {$2700.00}. Only when I received a copy of my most recent credit report did I discover that this account had gone to collections. The corporate office never had any intention of working with me even though the attached correspondence from them states otherwise. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2023-06-21
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I bought something from a merchant in XXXX and used Paypal to submit the payment, on XX/XX/XXXX in the amount of {$1700.00}. 
Months later, in XX/XX/XXXX, after there were issues with the merchant delivering the products I tried to dispute the funds sent via Paypal, who claimed they can not since it is after XXXX days. I then proceeded to dispute the charge through my bank, XXXX, who initiated a chargeback for lack of delivery of goods. 
After about a week or so I was able to resolve the issue with delivery and after I received the goods I contacted XXXX to resolve and cancel the chargeback. I received a letter from XXXX on XX/XX/XXXX that the chargeback was cancelled. However, it is almost a month from cancelling the chargeback and PayPal still has not sent the money to the merchant.

I contacted Paypal through their messaging service on XX/XX/XXXX, and XX/XX/XXXX, and sent them the letter confirming the cancellation of dispute but they claimed there is nothing they can do and it is a " back office '' that deals with this and it takes time. 
I called chase again on XX/XX/XXXX and they confirmed that they notified Paypal of the reversal of the chargeback and all paypal needs to do is forward thgis information to their bank to receive the funds, which they may or may not have done.

Nonetheless, they are still pursuing my vendor/ merchant to recover the " disputed '' funds and it is affecting my relationship with him greatly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not have a contract with this XXXX XXXX. I have never signed a contract with them  and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company.  I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. • What the money you say I owe is for: • Explain and show me how you calculated what you say I owe: • Provide me with copies of any papers that show I agreed to pay what you say I owe: • Provide a verification or copy of any judgment if applicable: • Identify the original creditor: • Prove the Statute of Limitations has not expired on this account: • Show me the you are licensed to collect in my state: • Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau (XXXX, XXXX, XXXX)  and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: DISCOVER BANK
State: AL
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:
Previous close complaints against Discover Bank and XXXX XXXX XXXX are reporting fraud information with all Credit bureaus as revolving accounts as a collection of debt when both accounts were charged off by Company 's Fraud Department themselves. Discover has sent me statements that I have not requested in an attempt to collect a debt that does not exist. XXXX XXXX XXXX is reporting fraudenlent information as a repossession not as a voluntary surrender to keep me from obtaining a another new vehicle instead of the used one they sold me with a battery that exploded within 2 months and was keft sitying in the apartment complex for 6 months before it would send its towing company fir the vehicle in order that it would appear to be a repo but was not. 

XXXX, XXXX XXXX XXXX, XXXX, Georgia ( XXXX XXXX XXXX ) is now disputing both with Confirmation number XXXX

Company response to consumer: Closed with explanation