BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-04
Company: Receivables Management Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of 2016, I disputed several debts that were showing negatively on my XXXX credit report from a company named ALLIED BUSINESS SERVICES,  XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX. This is a third-party company used by the original creditor XXXX XXXX Hospital to collect medical debt. I asked for validation to these debts as I hold private insurance which would have covered the cost of any submitted bill. Allied was unable to provide such proof leading me to dispute this information. I submitted a case for the debts online using XXXX. The case number for those disputes was XXXX. On XXXX XXXX, 2016, I was notified by XXXX that those accounts would be deleted from my credit bureau. This information is included in my attachment. However, nearly four years later this company still continues to report negatively to my credit report each month, severely impacting my credit score. XXXX is reporting amounts of {$510.00}, {$450.00}, {$250.00}, {$250.00}, {$240.00}, & {$180.00}. XXXX is reporting amounts of {$450.00}, {$250.00}, {$510.00}, {$180.00}, {$240.00}, {$250.00}, {$510.00}, {$240.00}, {$250.00}. I believe several of these are duplicated and incorrect thus further impacting my credit. I am alarmed that the outcome of a dispute was to delete the file and they continually report incorrectly. Additionally, I am very concerned that this company is unable to provide proof of the debt, but demand that I pay it and negatively impact my credit month over month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX is showing XXXXXXXX 90 days late anXXXX XXXXXXXX 120 days late. XXXX XXXX is only 30 days why is it reporting 120 days also XXXX is showing 90 days late, the information is al over the place which make no sense it inaccurate, I have contacted Transunion they have up dated disputed information but this need to be corrected and remove, my account was service by one lender then it was sold to another lender I never been late. in my file it 's showing late 90/120 and with the same servicing co it showing no late paid as agreed applied for a auto loan with XXXX XXXX and was denied base on this inaccurate information serious past due with 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 2023-11-09
Company: Experian Information Solutions Inc.
State: NY
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Since XX/XX/2022 its has been reported on consumer report that I owed a balance of {$820.00} to XXXX XXXX. However after filing a complaint with the XXXX XXXX XXXX ( XXXX # XXXX ) on XX/XX/2022. I was made aware on XX/XX/2022 in a response to complaint ( Case # XXXX ) that XXXX XXXX no longer owns this debt and has sold it XXXX XXXX. Thus proving the validation by the three credit bureaus to be inaccurate. For 3 months the 3 credit bureaus have reported inaccurate information on my consumer report even after disputing this account. 

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the balance is inaccurate, the balance updated, and the account type reported is not accurate. This ground for removal. Delete this account immediately! 

They also violated the law because according to 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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion refuses to delete Family Support Div XXXX XXXX from my credit profile even though they are required to under FCRA 622 ( 2 ) which is in violation of FCRA 616 & 617, willful noncompliance and/ or negligent noncompliance. The opening date is XX/XX/XXXX. FCRA 622 ( 2 ) specifically states : " ANTEDATES the report by 7 years or LESS. '' As of XX/XX/XXXX, it is 1 year and 11 months past due for this to be deleted.

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 2022-12-09
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Case XXXX XXXXXXXX XXXX I've been using a VPN for over a year and recently received an email to re-verify my identity from Coinbase. That's when the problems started happening when I couldn't get access again. In a recent case, the number was finally told my VPN was not allowing Coinbase to verify my identity correctly. And the last time I spoke to a customer support representative informed me that the authenticator would be reset so that I may use my smartphone texting to verify and authenticate. My authenticator app, which I used before I reset my smartphone, was cleared, so it can't be used during recovery. Please investigate the paper trail of emails received not to allow me access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Statebridge Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I was selling my home and my original loan mortgage was transfered from XXXX  to a company called statebridge company LLC who has reputation of mishandling accounts and not responding according to past reviews. During the move and changeover I must have missed a payment date during the move of accounts but once I finally contacted the new company and they responded the balance was paid. Request this negative rating be removed from my credit report 's as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
During credit repair, it was pointed out that I have this account showing up on two credit report, XXXX and XXXX. I do not have any contract with this company and never heard of them. I believe that the credit repair company said this was a medical debt claim, which would then be a violation of HIPPA Laws, as I have NEVER contracted with any medical provider to have anything publicized that I am recieving any medical services or treatments with them or any other company or provider. I also receive XXXX, so I have XXXX, as well as XXXX to cover all medical bills. Each medical provider is notified up front and knows what is eligible and what is not. The insurance carrier that combines those together to be billed is XXXX XXXX XXXX and I have previously contacted them about providers abusing me by billing me when they know they are not permitted to do this. I believe this company may fall into that category.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have attached 2 FTC reports with a collection and inquiries I did not authorize, please delete

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 2022-01-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am a victim of Identity Thief. According to 15 usc 1681b ( 2 ), permissible purposes of consumer reports. It states that any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( XXXX ) in accordance with written instructions of the consumer to whom it relates. I have never authorize XXXX, Experian or XXXX to furnish my credit report. I never provided hand written instructions to place accounts on my credit report. It has harm my livelihood and I am living an honorable life. This is all erroneous, fraud, and incorrect. According to the fair credit reporting act ( fcra ), Experian is to honor my request and block from furnishing my credit report, XXXX. XXXX XXXX ( opened XX/XX/XXXX ), XXXX remove late fees on comenitycb/zales ( opened XX/XX/XXXX ), XXXX. XXXX XXXX XXXX ( account opened ( XX/XX/XXXX ), XXXX. XXXX resort group ( opened XX/XX/XXXX ). I never authorized and or gave Experian or any of these companies any hand written instructions to furnish my credit report. 
XXXX is to honor my request and block from furnishing my credit report, XXXX remove my late fees on the account comenitycapital/zales. I have made complete payment with them but I have never provided hand written instructions to the company nor to XXXX to furnish my credit report. PLEASE REMOVE THAT! 
XXXX is providing fraud, erroneous and incorrect information. I did not provide them hand written instructions and according to 15usc 1681b ( 2 ), I did not contact Experian, XXXX or XXXX and provide handwritten instructions to furnish my credit report. PLEASE REMOVE THESE ACCOUNTS FROM 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 2023-12-03
Company: EQUIFAX, INC.
State: FL
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:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, I received the attached dispute results from Experian and decided to exercise my consumer rights under the FCRA, section 611 ( a ) ( 6 ) and ( 7 ) requesting the method of verification. 

Experian has yet to provide the method of verification used to determine the accuracies of the attached accounts they deemed verified and that any automated response or e-Oscar verification is unacceptable. 

I requested that 1. The description of the procedure used to determine the accuracy and completeness of the information.

2. Name, address, and telephone number of each person contacted regarding this alleged account.

3. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Experian has still not provided this information and it is now well over 15 days. They are now in violation of FCRA. 

FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Experian has yet to do so, only providing me a generic letter via email, that is also attached, with none of the above requested information that has to be provided according toFCRA, section 611 ( a ) ( 6 ) and ( 7 ). 

Thanks, 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 2022-12-09
Company: EQUIFAX, 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:
I have consistently tried to remove incorrect information from my credit report, by disputing with Equifax, XXXX and XXXX. There are two closed derogatory accounts on my credit report that do not or did not belong to me. They are XXXX XXXX XXXX and XXXX XXXX XXXX. I am a victim of identity theft going back to the early XXXX and forward to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: FC HoldCo LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Financial Credit Network Inc
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt, I do not have a signed contract with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
State: AZ
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:
This company still reports debt that was already paid and my credit report on all 3 reports keeps reporting it. I have documentation proof that I dont owe it, I attached the documents below

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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:
I have consistently tried to remove incorrect information from my credit report, by disputing with XXXX, XXXX and Experian. There are two closed derogatory accounts on my credit report that do not or did not belong to me. They are XXXX XXXX XXXX and XXXX XXXX XXXX. I am a victim of identity theft going back to the early XXXX and forward to 2022.

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 2019-09-13
Company: EQUIFAX, 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 am a victim of identity theft, and I did not make or authorize these inquiries with XXXX XXXX inquired on XX/XX/XXXX.2018. 

Several - over 15 addresses were listed that were NOT mine and addresses I never lived at. Someone tried to use my name and information and apply for credit cards. Many hard inquiries were pulled and my name was listed incorrectly with an incorrect phone number I've never had. 

I called the credit bureaus and lenders to fix and put a freeze on all my accounts. I've ordered all new credit cards and filed a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: CA
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 is my 15th 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. 
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 non-monetary relief
Consumer complaint received 2020-01-03
Company: College Assist
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Currently, my wife and I live below the Federal threshold for poverty. College Assist ( XXXX XXXX, MN ) has consistently refused to allow me to resume payments on my outstanding student loans by repayment based upon income ( Income-based repayment agreement ). 
At this time, they are offsetting my Social Security payments and forcing us to discontinue vital and necessary medications. My job as a Florida XXXX XXXX does not pay enough for us to make " standard and required '' payments. 

College Assist is nothing more than a collection agency or contractor hired by the Federal Department of Education to harass and intimidate Federal student loan borrowers who are unable to repay their loans at the " required minimum payment level. '' If it were financially feasible, I would engage a local attorney in order to deal with this collection agency. Unfortunately, there really is no " third-party arbitrator '' available to deal with situations such as this.

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 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 XXXXXXXX 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