BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
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: Account information incorrect

Complaint:
Company : XXXX XXXX XXXXXXXX XXXX and transunion consumer solutions collection account in the amount of {$1300.00}, disputed with company but it remains on my report. 

CA state 's Code of Civil Procedure 337 states no debt can be collected after 4 yrs. 

Account was opened XXXX of 2018, passing the statute and should be removed from my credit report completely.

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 2019-08-09
Company: Experian Information Solutions Inc.
State: CT
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:
XX/XX/2019, I called Experian ( Spoke with XXXXn ) asking for my name and address to be corrected on the report because my report shows 7 different names. XXXX told me no she will not correct my name in the system because I can have different variations of my name. I asked to be transferred to a supervisor, after waiting another 20mins on the line someone named XXXX picked up the phone and asked for a report number, I told her I didn't have one, she proceeded to tell me she couldn't help me without one. I asked why? She said because I needed to be specific about my needs. I told her I was looking at my report so I am not sure why I needed a report number when I can clearly see what's on my online report ( which don't offer report numbers ). She then disregarded my questions and started on my report. I told her what I wanted removed and she told me that she'll remove some things but she will not remove everything. I told her I will have her reported along with XXXX.I  would like my name and address corrected 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 2017-09-16
Company: I.C. System, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted XXXX on XXXX XXXX, 2017, and I contacted the collection company I.C. Systems in XXXX XXXX 2017, asking for proof that this was my debt. I asked for a signed contract or invoice of some kind. The company who claims I owe them is called XXXX and does business out of Alabama and Florida.
They would NOT provide any proof whatsoever, but maintain the debt is mine and will not remove it from my credit report.
The amount of the debt reported is {$1300.00}

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 2020-10-15
Company: NRA Group, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Received unsolicited text message on XX/XX/2020 claiming a balance owed of {$75.00} to XXXX XXXX. The agency reference number is XXXX, I dispute the validity of this debt due to the fact that I filed for Chapter XXXX bankruptcy. This is clearly evident on all of my credit reports with the major credit reporting repositories.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 notified in XXXX that I was a co-signer on a student loan and that the loan was not being paid. I advised them that I had never co-signed for a loan and asked them to send me the documents. I made a police report for fraud and with the continued phone calls to get me to pay, I contacted an attorney. After 5 or 6 years of my attorney calling XXXX and a lot of money, We were able to get 2 civil judgments in court against XXXX advising them that the loan was product of fraud and unenforceable against me. Mt attorney sent XXXX a letter informing them of this along with the copy of the 2 court orders/judgements. XXXX disregarded the courts judgement and continued to pursue me for collection. I was notified by 6 different collection agencies and each time I advised them to contact my attorney that we had judgements from the court. The calls would stop from one agency and started with another until they finally stopped after a year or so. They still report this on my credit reports. It says I am years and years behind ( Late ) and late to the sum of over {$20000.00}. I filed a dispute with all 3 credit reporting agencies several times, including a copy of the court judgements.. I was told they contacted XXXX, they advise its good debt, and it stays on my credit report. XXXX has completely ignored the judge and his findings. The credit reporting agencies follow what XXXX says and not the court. This has been going on since XXXX. I do not know who else to turn to. I have tried Lawyers and credit repair places trying to get this removed and have spent a great deal of money over the years to no avail. This has prevented me from obtaining credit at most places and purchasing items. I have a clear credit report with the exception of this. I pay my bills and my own student loans. Please find attached the letter from my former attorney that was sent to XXXX and the 2 court orders/judgements. ** Please note Step 4 would not let me add XXXX. 
Thank you. 
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 2019-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
I got a secured credit card from Capital One and was promised they report it to the credit bureau and it's not even showing a new account on my credit so wondering why it's not showing up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
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 am an identity theft victim and I have previously placed fraud alerts on all 3 of my credit files. Someone continuously has tried to apply for credit and inquiries are all over my report. I have not authorized anyone to apply for anything and my I have not attempted to apply for credit. I have already submitted an identity theft affidavit along with a police report and request to block or remove these inquires and yet there has been no change on my reports. These fraudulent inquiries need to 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 explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, 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:
I sent multiple credit disputes with these companies asking them to investigate items on my credit that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results have not abused by these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was checking my credit report and saw this company LVNV FUNDING LLC as an account on my credit report I have no idea who these people are they just appeared and it looks like they have been on my credit report for over a year if they are a debt collector they had to open a new account in witch I never gave them authorization to do so they did this without an a agreement or signature from me this is identity theft. And this is why I am filing this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: BMW Financial Services NA, LLC
State: OR
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I traded my XXXX, loan # XXXX, in XX/XX/2014 for my XXXX lease, account # XXXX and XXXX, the previous cars were in the possession of the dealership- therefore the reporting of a late payment for XX/XX/2014 is erroneous - this is causing my credit to drop and caused me to lose the ability to rent a home for myself and my XXXX  kids. I requested this to be updated, however XXXX doesn't update it or respond to the dispute they simply state it is resolved. AND then as a retaliation for my disputes XXXX reported 5 accounts as charged off - these accounts have been reporting as open and past due for YEARS but now, since I disputed they updated all records to charged off - thus causing my credit to tank even more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hello, I have been attempting to close my account with TD Bank for a month now.

I emptied it and sent 13 messages with no replies to request it be closed. I have also called twice and those calls are recorded, my account was not closed during those calls. I have reached out on Social Media and nothing became of that.

I am immuno compromised and can not go to a physical branch at this time.

There was then an accidental charge to my account and I transfered funds to cover it. I now have to wait for those funds to not be pending to close my account.

While waiting I have been charged fees for having XXXX $ in an account I have been trying to close, when I was informed in a recorded call that no fees would occur until XX/XX/20 I am extremely stressed about this situation and TD bank has done quite possibly the closest to nothing I have ever seen to resolve my issue.

Please help me, I've already lost so much in fees to TD. I honestly feel cheated by this bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-05
Company: Experian Information Solutions Inc.
State: KY
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: Public record information inaccurate

Complaint:
I have repeatedly sent request to XXXX, Experian and XXXX that the Bankruptcy court does not report to credit bureaus and that I would like to have it removed from my credit report. I received letters from them stating that they receive information directly from the courts, but upon receiving the information that they send to me, they get information from XXXX a credit-reporting agency. I contacted XXXX in regards to this and they have deleted the bankruptcy from my file. I am providing letter from XXXX to have the bureau 's remove this from my report/file.

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 2019-02-04
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a bill from AR Resources on XX/XX/19 attempting to collect a debt for " XXXX XXXX XXXX XXXX '' in the amount of {$210.00} for my Daughter, XXXX XXXX. I do not owe XXXX  XXXX XXXX XXXX any money. I dispute the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have submitted a complaint previously on XX/XX/2021. This debt buyer is still reporting inaccurate information. I have no legal obiligation to a debt buyer per law. I asked previous to send proof of the alleged debt. But the only thing provided was a copy of a original contract from a creditor. I have never entered into any contractual agreement with NCB Management. This inaccurate information is casuing emotional turmoi.l The presence of these inaccuracies has caused immense anxiety, frustration, and stress in my life. Constantly worrying about the unjustly damaged credit score and the potential negative consequences has taken a toll on my emotional well-being. This is a mental burden, dealing with the consequences of these inaccuracies has resulted in sleepless nights, difficulty concentrating on daily tasks, and an overall sense of mental anguish. The constant preoccupation with rectifying this situation has adversely affected my overall quality of life. I assert my rights under the FDCPA and the FCRA to dispute the debt based on the absence of contractual privity, lack of validation, and potential inaccuracies in credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Atlanticus Services Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Aspire is a credit card with XXXX I was laid off and I had signed up with credit protection with them. I filed my claim they told me I didnt file it right when I did it took them a long time to answer then I got a letter in the mail they dont want to pain the Clain I was to late. They have hurt my credit so t want to help have XXXX customer service everyone is XXXX XXXX and no one really to talk too. It has been a hassle and I need an advocate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I looked over my report and saw inquiries on my credit report that I did not give consent to be on my report. XXXX  is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
XXXX  doesn't have a court order with jurisdiction or consent from the CONSUMER to place anything on my Credit report. 
I sent a dispute letter certified mail next day and XXXX  still have the following Inquiries and accounts on my credit report. Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.

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 2020-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was informed today, XXXX, the following dispute was closed : Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$160.00} .... A letter detailing dispute was not received by Citibank , according to rep spoken with in disputes dept.. As explained to rep, letters were in fact faxed to XXXX as well as mailed to XXXX XXXX  XXXX XXXX XXXX , SD XXXX. As I further explained to rep, the transaction appears to be a scam, the merchant claims the charge was declined at time of purchase, took the funds regardless, has not sent me item ordered ... The item is a XXXX XXXX XXXX, advertised on their website, it appears this is a XXXX scammer of some sort.. I've submitted a contact form inquiring about the charge, no reply received..There is no direct email or number to reach.. The rep whom took my claim at the time also agreed with me the merchant appears to be a scammer.. I've detailed entire information above in letters sent via fax as well as postal mail, I do not know why they were not received ... It appears there is a delay, possibly due to Covid-19.. The dispute ID for this transaction is XXXX. I request Citibank search their incoming faxes as well as postal mail for my letters or simply use the information contained here to move forward with dispute, issue a temporary credit, if possible.. I also request assistance with dispute ID XXXX, {$800.00} XXXX XXXX XXXX, do not have exact transaction date available to me, this item is in dispute for non-receipt of product which is also a XXXX XXXX XXXX.. It appears my dispute letter was received, according to Citibank rep, dispute still in process.. A rep I spoke with prior, on or around XX/XX/XXXX, stated a temporary credit would be issued on or around XXXX, it is now XXXX and no credit ... As detailed in letter, this item was deemed lost/stolen by XXXX, the shipping carrier, claim was supposed to be filed by shipper.. Unfortunately, the shipper is also out of country, located in XXXX, has not replied to my last email inquiring about XXXX claim and refund. A call to XXXX would be expensive and do not know if resolution would be made if called.. XXXX driver left package insecure location, without signature, there is no signature release, XXXX rep by the name of XXXX closed tracer out and advised me to have merchant file claim for loss, I emailed merchant several weeks ago, have not heard back in re.. This information is also in letter, received by Citibank. I believe there is some sort of delay due to Covid-19 on end of Citibank disputes team and or due to the fact these transactions are both foreign, difficulty in reaching the merchants in question..

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 2020-07-10
Company: EQUIFAX, INC.
State: VA
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:
During the investigation into Dispute Confirmation # XXXX, Equifax refused to accept my official documents showing my first delinquency that showed an account was outdated due to the negative information reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I attempted to get my free annual credit reports on XXXX from all 3 bureaus on XX/XX/XXXX, and received a denial for 2 of my requested reports. The last time I requested my free annual reports was in XXXX. I did not have issues with XXXX and was able to answer security questions and obtain my XXXX  report. XXXX  and Experian 's links did not ask any security questions, and immediately denied my request. The following day, on XX/XX/XXXX, I called the XXXX to request by phone for both XXXX  and Experian. I went through the prompts and expected to receive in the 15 day time frame as mentioned. It has now exceeded that time frame and I have yet to receive my reports. My residence changed back in XX/XX/XXXX and was updated with all creditors, as well as a post office forwarding address so that should not be the issue. I do not know why it is so complicated to request my reports online annually with these two companies. This is very suspicious and inconvenient.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation