BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-08
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX   XXXX  does not have a contract with me for any services, This company has violat ed HIPAA by obtaining my medical information and has not sent any documents used to verify t his account to me. I have disputed this account and i have no knowledge of this account or any account with  XXXX   XXXX . I have never conducted business with  XXXX   XXXX .

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Telerecovery Corporation
State: LA
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:
Telercovery is inaccurately reporting a payment history monthly on a collection account. A collection account is past due by default. Updating the payment history since XX/XX/2019 is negatively impacting my credit by making my " past due '' recent. I have tried for over a year to have this corrected with XXXX and they send a letter saying that Telerecovery verified that this payment history is correct. I have asked for verification and have not received any.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
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 tried to use Transunion 's online dispute form, but it didn't give me any option to dispute a fraudulent credit inquiry. It gave me the option to request an investigation into the two credit cards I actually own, but I have a credit inquiry using my maiden name and old home address ( from before college ) that happened a couple weeks ago that was not me. 

Transunion doesn't give me the option to get that removed from my credit report. I need the XX/XX/2018 inquiry from XXXX/XXXX XXXX removed from my credit report completely because I did not initiate that inquiry. 

I called Transunion and selected the " Fraud '' option. It didn't connect me to a person. I had to listen to a very long sales pitch about credit monitoring for $ XXXX/month, and when I selected that I wasn't interested, I heard an even longer recorded sales pitch for the same service. Absolutely unacceptable for a credit bureau when I'm trying to get fraud resolved. I was able to post a fraud alert, but was offered no help removing this inquiry. 

I've reached out to XXXX as well to ask them to help resolve the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: CAVALRY INVESTMENTS, LLC
State: VA
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:
There has been a debt collection company calling to collect a debt which is not owed by me. I have told them this numerous times and have not had any lending from the original lender for at least XXXX years. 

I just checked my credit report and the debt collection company has repeatedly accessed my credit report without my authorization under an " account review ''. 

Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Experian Information Solutions Inc.
State: NV
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 filed a " Dispute '' of XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$4100.00} Balance updated XXXX XXXX, XXXX ... I have never had any Accounts with XXXX XXXX XXXX! MY " IDENTITY WAS STOLEN '' WAY BACK IN, ABOUT XXXX ; AND MY PERSONAL STUFF IS ON THE DARK WEB, AS SHOWN BY EXPERIAN. BACK THEN, CRIMINALS FROM XXXX XXXX  WERE SELLING MY INFO/AND DATA ALL OVER THE WEB. 

ALL OF A SUDDEN, THIS XXXX XXXX XXXX  AND XXXX XXXX XXXX, SHOWED UP ON MY CREDIT REPORT IN XXXX. Payment Info Original loan amount {$4100.00} Balance {$4100.00} Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. XXXX XXXX XXXX XXXX XXXX ARE VERY " BAD ACTORS '' AND SEEMS TO UTILIZE " CREDIT PARKING '' : XXXX XXXX XXXX ( XXXX XXXX XXXX? XXXX ) FTC Stops Debt Collectors Alleged Debt Parking Scheme, Requires it to Delete Debts it Placed on Consumers Credit Reports PER/EXPERIAN ... Dark Web Internet Surveillance Monitors the dark web for any activity associated with your identity. Learn more! 
Compromised Email Address Alert XX/XX/XXXX See Details! 
Compromised Email Address Alert XX/XX/XXXX See Details! 
Compromised Phone Number Alert XX/XX/XXXX See Details! 
Compromised Email Address Alert XX/XX/XXXX See Details! 
Compromised Email Address Alert XX/XX/XXXX See Details! 
Compromised Email Address Alert XX/XX/XXXX See Details! 
Compromised Email Address Alert XX/XX/XXXX See Details! 
Compromised Social Security Number Alert XX/XX/XXXX See Details! 
Compromised Email Address  Alert XX/XX/XXXX See Details XXXX XXXX XXXX XXXX Report XX/XX/XXXX See Details Compromised Social Security Number Alert XX/XX/XXXX See Details XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX See Details We're searching the past if your information was compromised or used by an identity thief, so come back soon to view your 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 explanation
Consumer complaint received 2022-08-26
Company: AmerAssist A/R Solutions, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Amerassist has threatened to continue to pursue me for a debt I do not owe. XXXX XXXXXXXX cancelled my account and I have provided proof of cancellation. Amerassist keeps responding with a validation response when that is not the issue. Both XXXX XXXX and Amerassist are continuing to pursue me for a credit I do not owe. The country had a mandatory shut down due to the pandemic. XXXX XXXX could not remake the trays that were done incorrectly because we were in the beginning stages of the pandemic. XXXX XXXXXXXX closed their shops on XX/XX/2020 and XXXX XXXXXXXX cancelled my account on XX/XX/2020 because they could not make my trays and could not provide me the service that I signed up for. This is not a validation issue this is a human rights issue. XXXX XXXXXXXX made two top trays instead of a top and bottom tray they could not provide service to me so they cancelled my services and forgave debt. Amerassist has no right knowing my medical information or trying to pursue me legally. This is a complete violation of my rights. This is also a violation of the state of New Jersey as it was in a mandatory shut down. The response from Amerassist is abusive We have provided the consumer with validation of the account. The reasons for dispute given by the consumer to our agent, the XXXX XXXX XXXX and the CFPB are inconsistent. AmerassisXXXX has blocked the consumer 's account with a cease & desist to prevent any further communication. The account, however, remains due and outstanding to XXXX XXXXXXXX and will continue to be reported to credit reporting agencies. XXXX XXXX email XXXX for this I am asking for monetary relief at this point and for Amerassist to stop pursuing me for a debt I do not owe. Amerassist and XXXX XXXXXXXX are committing Fraud and someone needs to investigate both companies. For Amerassist to just dismiss what I am saying and block communication when they have no right to have my information in the first place is injustice. This is Covid Protected we were in the beginning of a pandemic that the world has never seen and everything shut down. There was no operation due done from any company due to fear of passing Covid along. XXXX XXXX and Amerassist are in violation of the State of New Jersey which went into a State of Emergency on XX/XX/2020 by Governor XXXX. I have no obligation to XXXX XXXX and Amerassist and for this I ask for them to stop trying to collect and stop the abuse and harassment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions 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:
To whom it may concern ; On XX/XX/XXXX I asked Experian to verify that all information they are reporting on my credit report regarding Account # XXXX ( XXXX ) XXXX verified and accurate. 

On XX/XX/XXXX Experian responded with the following : " INVESTIGATION RESULTS- VERIFIED AS ACCURATE : The disputed item was verified as accurate. We investigated the information you disputed, and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 

" After obtaining a new credit report on XX/XX/XXXX, I noticed several reporting items had not changed, which leads me to believe Experian didn't do a proper investigation. The account is closed but is reporting a balance of {$150.00}. The last updated status was XX/XX/XXXX. The account shows a past due balance of {$150.00}. Account is closed and status is charge-off, But there is no Company Sold to listed. There is no phone # listed for under contact info. 

Experian failed to do a proper investigation of this account and failed to verify the accounts accuracy. In accordance with the Fair Credit Reporting Act, 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, Also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2020-12-12
Company: Experian Information Solutions Inc.
State: NM
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:
Experian refuses to remove two accounts that are past the statute of limitations for residents of California. XX/XX/XXXXXXXX mortgage loan, XXXX XXXX XXXX loan and XXXX XXXX credit card. Both are beyond four years old. One dispute result was never revealed to me as they will not provide it in writing or online, and I can not get through on the phone. All my other reports show three open accounts and the other accounts have been removed. Experian refuses to update my credit report with correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: OH
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Experian Information Solutions Inc.
State: OR
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:
XXXX  : YOUR FRAUDULENT YOUR SELF! First your responsable for my Data Breech, Then youll open a dispute 1 day and not even give the dispute process a chance and youll close it the next. XXXX : 2 fraudulent accounts with you. XXXX  XXXX it was closed but now its back open, cant do that its ILLEGAL. Another with you XXXX XXXX. XXXX  open in XXXX was closed, XXXX open XXXX closed. But look there, its open again. Ive been victimized by someone or people that have opened banks, credit cards, cell phones, addresses, phone numbers, revolving credit, inquiries, y information is on the Dark Web. As late as XX/XX/XXXX. Someone is ruining my life and continuing on to try. XXXX accounts including bank accounts.XXXX  these inquiries ARE NOT MINE. Im fixing not ruining. Commentity XXXX/XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALSO I almost forgot, for you 3 sister companies Ginnys opened XX/XX/XXXX Acct # beginning with the first 6 numbers is all Im provided with, XXXX closed on XX/XX/XXXX for the amount of {$530.00}, XXXX, opened XX/XX/XXXX closed XX/XX/XXXX with the amount owing of {$120.00}, and last but not least XXXX XXXX opened on XX/XX/XXXX closed on XX/XX/XXXX with a balance of {$1000.00} all 3 of you companies will be getting thee notification that, and it gives me pleasure, all 3 were closed due to fraudulent charges! TAKE OFF MY CREDIT REPORT! Already. XXXX!!!! XXXX!!!! Do I have your attention, the inquiries are not mine, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, Ally XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  : inquiries not mine XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX MI XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX. I have ALL my reports LOCKED HOW ARE THEY STILL GETTING IN 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 2023-01-21
Company: U.S. BANCORP
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: Account status incorrect

Complaint:
I CLOSED two of my US Bank credit cards ending in XXXX and XXXX on two separate calls but agents and their supervisors illegally claimed that Closure Status may not be reported to credit reporting agencies for up to 60 days despite the fact that XXXX XXXX Compliance would require an immediate reporting of my account as Closed at consumers request to every CRA. The FCRA and XXXX XXXX require PROMPT and immediate mid cycle reporting of Closed accounts when the button is pushed to close an account. My credit reports remain open in willful violation of the FCRA and furnisher has stated that it has no intention to promptly report my account as closed. I seek {$1000.00} in statutory damages for each account for each day the willful violation remain until permanently corrected. Permanent deletion of my accounts are demanded as my accounts are NOT XXXX  XXXX Compliant. At a minimum, my accounts must be PERMANENTLY reported as DISPUTED as this Complaint challenges balances due to statutory damages for willful FCRA violations. Additional FCRA willful violations will occur if my accounts are not marked as disputed permanently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: EQUIFAX, 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, XXXX, XXXX, XXXX, XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Exeter Finance Corp.
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
According to the Fair credit Reporting Act, Section 609 (a)(1) (A) the credit bureau is required by federal law to verify through physical verification o the original signed certified consumer contract  of any and all accounts posted and or reported on credit report.  These credit bureaus have engaged in massive data breaches and compromised citizen s credit information and personal information.  Through the years they have engaged in evasive manuervers, benign neglect, and plausible deniability.  They have been sued and in some instances some individuals haven't  recovered.  These institutions have crippled my credit the majority of my adult life with erroneous information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Pennie Mac. I am trying to get PMI taken off the mortgage. It's nothing more than a cash grab. I was told my LTV is too high ( even though they go off house sale price and not the higher appraisal ). I have accepted this criminal activity because it's a bank and they are criminals. However, I had a long conversation with a banker at Pennie Mac in the fall and she said if I was adding value to the house, I could apply to have the PMI removed. I have put close to {$100000.00} into the house in a boiler, hot water heater and {$50000.00} kitchen remodel. I have all the receipts. When I wrote in to apply, I was told it would take 2-5 days to reply. That's insane. They should be able to reach out in a day. They are raking in record profits and they slow walk any effort for customers to get their rightful monies. 10 days later I get a form letter that completely ignored the information I put in the form regarding the improvements to the house. So, their process is to stall the customer, play dumb and send me a form letter saying NOPE, your LTV is too high. Again, to be clear, I accepted the LTV fraud, I was ASKING about the added value to the house. I need to speak to a human being that can think and follow my request. What is the next step in the paperwork to apply to get the PMI wiped out? Please understand that each week of delay earns them more money. This is why they do this. I am so sick and tired of these gross corporations who can never make enough money. Their rapacious greed is exhausting. I am trying to wipe out a {$60.00} PMI on a large mortgage. This isn't a big ask and I am prepared to provide all the documentation they need but they refuse to acknowlege the issue. Delay, delay, put people off so they won't bother. That's their MO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX  and I do not have a contract with LVNV FUNDING plus they did not provide me with the original application like I asked. 
Account No : XXXX**** Amount Disputed : {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Date :  XXXX   2014 Amount : {$9600.00} No disclosure received Action : I called several times and they keep transfering m  e to oth er department.

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 2019-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. I have filed with the FTC and other law enforcement agencies to remove the information from my consumer reports as required however the credit report agencies refused to remove the items listed.

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