BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$14000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} EQUIFAX : XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$300.00} ( Original Creditor : ) XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} XXXX : XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance XXXX {$680.00} XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$14000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$660.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been getting about 10-15 calls a week anywhere between XXXX XXXX and XXXX XXXX  from Midlands Credit Bureau for 6-8 months, to which I have requested to all of them to send me a debt verification letter which I still have not been sent. I have been given no information about the original debt amount which is significantly less than the amount they are requesting ( which is why I have repeatedly asked for a debt vertification ). I've requested that they only contact me in writing and that they send me a debt verification before I continue any negotiations with them, which has been completely disregarded. When I state that I am not interested in speaking on the phone until I get a vertification, the agents get hostile and aggressive, refusing to allow me off the call even when I make it clear I can not be on my phone/have my phone ringing during work. Its become extremely harrassing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report 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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$300.00} ( Original Creditor : ) XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXXr XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} TRANSUNION : XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance XXXX {$680.00} XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$14000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX A ) XXXX Balance : {$660.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-09-26
Company: Source Receivables Management LLC
State: TX
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:
Please be aware this is my second complaint. Every individual every debt collector has to OBEY the law. This Business still has not provide original contract as requested. This company is attempting to do business with them.

Please submit all documents that you have submitted to consumer reporting agencies. That you used to create this frivolous account on my credit report. I have reason to believe that you unlawfully obtained my personal identification information. Without my prior consent, which, you have used to create this debt on my credit report. Let me explain, if you have used my Name and any other personal identifiable information such as : a social security card, driver license, or my address. Without a signed agreement between me and your agency. That expresses mutual assent from both parties. Then you are facing some serious penalties under the UNITED STATES CODE. Pursuant 18 USC 1028A Aggravated identity theft. ( See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) " Pursuant to 18 U.S.C . 1028A ( a ) ( 1 ), a person is guilty of aggravated identity theft if, in relation to any crime listed in 1028A ( c ), he " knowingly... uses, without lawful authority, a means of identification of another person. '' The statute defines the term " means of identification ''. To mean " any name or number that may is used alone, or in conjunction with any other information. To identify a specific individual, including any name, social security number, [ or ] date of birth. '' Meaning if you used 2 separate forms of identification without my consent. Then you committed aggravated identity theft under 18 USC 1028A. If you delete this trade-line then i will drop my claim.

You have 3 days to delete this frivolous account if you fail I will file a claim against your unlawful company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: EQUIFAX, INC.
State: TX
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:
Equifax, as required by law, offers a method to obtain free credit reports from the 3 major credit reporting agencies. It offers an online method through XXXX. However, just as I did when I tried a few years ago, when I selected free credit reports from all three agencies, after I completed the steps for the Equifax report and received it, I clicked on the tab to move on to the next report ( the XXXX report ). The next screen gave me the option to exit the site or cancel. It did not take me on to the XXXX report. 

This is what the agencies do. They put up obstacles to getting free credit reports in the form of glitsches in the online process. The website does n't work and the consumer is left to use a slower and more cumbersome process, such as ordering by mail, or paying for the reports. 

This is a SCAM that the credit reporting agencies have been running for years. It happens every time I try to be my free credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: SC
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: Problem with personal statement of dispute

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. 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 non-monetary relief
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please update this account : XXXX XXXX XXXX Balance Owed : {$3200.00}

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 non-monetary relief
Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 credit bureaus are illegally reporting inaccurate information on my credit report.

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 2022-07-19
Company: Experian Information Solutions 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:
It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  Inquiry Date : XX/XX/2020 XXXX XXXX XXXX Inquiry Date : XX/XX/2020 XXXX XXXX Balance : {$0.00} XXXX Inquiry Date : XX/XX/2020 XXXX XXXX Inquiry Date : XX/XX/2020

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 2022-10-03
Company: SOUTHSTATE CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have tried opening a few accounts but have been 100 % unsuccessful in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX- When uploading ID a spiral occurs that does not stop -- - All ads have been unblocked in every browser & shields were lowered - I am having a lot of trouble with this company & suspect them of purposefully doing this very thing to other users

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Voluntary repossession

Complaint:
They inflated the price of the vehicle and put things in the contract that I didnt agree to and then inflated the actual price of the vehicle I paid XXXX to XXXX to get the vehicle and then I started having mechanical Problems radiator transmission  and all so I finally couldnt drive the XXXX XXXXXXXX XXXX I was supposed to pay XXXX to XXXX for then I found out they were inflating the price to XXXX I didnt know this untill after the purchases they put some kind of vehicles XXXX  and XXXX  XXXX  afterwards and charged me extra for all that to now Im paying an large amount of interest on a XXXX  older car and the price on it was upped to XXXX more than the blue book on it I already need another vehicle but cant save a down payment

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 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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, XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: MD
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

EXPERIAN : XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$14000.00} PORTFOLIO XXXX Balance : {$300.00} ( Original Creditor : ) XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} XXXX : XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance XXXX {$680.00} XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$660.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-07-19
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2021 I placed a request for my XXXX service award to pay off my Sallie Mae student loan. Sallie Mae declined the check. After that initial denial, I called Sallie Mae and asked for the specific address and all information needed to send the payoff amount to and specified that the payment would be coming from XXXX. I spoke with two people on the phone from Sallie Mae 's customer service. Despite this, the payment was declined again on XX/XX/2021. Since the initial refusal on XX/XX/2021 to accept the payoff amount, I've accrued more than {$420.00} in interest on the loan and paid {$1100.00} on the loan. As a XXXX XXXX XXXX hoping to pursue a XXXX XXXX to further my XXXX  to my XXXX  this has set me back financially and Sallie Mae has demonstrated no willingness to help with the problem. I called them again after the XX/XX/2021 denial and they refused to offer any alternative method of receiving the payment. I'm thus left with no alternative but to continue to make payments until they accept the payment from XXXX, which I earned by working in a XXXX XXXX XXXX for two years, which I continue to do today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am resubmitting complaint since the previous explanation was not accurate and insufficient. 

Since Medical Data Systems reported the outstanding debt to Credit Bureau, it is responsibility of MDS to correct the error Below is the summary of my complaint : My son received treatment @ XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX He had insurance coverage and details was provided to XXXX. 
However XXXX continued to send bill making it self pay inspite contacting several times to correct the error and submit to insurance. I also tried conferencing XXXX billing department with XXXX XXXX XXXX XXXX since I was told XXXX was having trouble submitting the claim. However XXXX service rep hung up the phone when I conferenced associate from XXXX This continued for most of XX/XX/XXXX and XX/XX/XXXX and eventually XXXX turned over the bill to Medical Data Systems for collections and it ended up in credit bureau as unpaid collections. 
To avoid running out of time, I contacted XXXX late last year and submitted a claim myself with the information I was provided by XXXX. However XXXX informed me that it was missing several pieces of information to process the claim. 
I was hoping to get the claim resolved within 6 months so that collections does not become permanent in the record. I have contacted Medical Data systems several times in last 6 months but so far I have not received the information I need to submit the claim with XXXX. 
Every time after spending hours with Medical Data systems staff I get same information which is missing Diagnosis code and Procedure code. 

XXXX has promised that they will process the claim as soon as they receive complete information and will pay the outstanding bill to XXXX as soon as it is processed. 
I dont have any doubt that the bill will be completely paid I am requesting CFPB to interject and advise Medical Data Systems to remove the collections effort from the credit report immediately. Meanwhile I am working with XXXX to provide me the required information or submit the claim with insurance 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