BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-14
Company: Financial Business and Consumer Solutions.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Collection agency has been calling my cell phone over the last couple of weeks. I have sent them a cease and desist letter and they continue to call. I try answering my cell phone when they call but there is no one on the line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This amount is not owed as I could not be evicted for non payment of rent during the CDC State of Texas oder rent relief program due to Covid 19 I also don't have a contract with R S Clark I have asked for verification of debt which has not been provided by RS Clark and all methods used to verify this debt by RS Clark as this being accurate before they placed this on my credit report ... my last four of ss # is XXXX XXXX XXXX XXXX COMPANY IS RS CLARK And ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i do not owe or have contracted with company claiming i owe

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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: Public record information inaccurate

Complaint:
I HAVE PREVIOUSLY DISPUTE! UNITED STATES BANKRUPTCY ( CASE NO.XXXX ) WITH TRANSUNION AND IN RESPONSE THEY VERIFIED THIS PUBLIC RECORD AS ACCURATE STATING THAT THEY HAVE VERIFIED WITH THE XXXX XXXX XXXX CALIFORNIA COURT . I CONTACTED THE COURT AND THEY BY LAW DO NOT VERIFY ANY RECORDS WITH ANY 3RD PARTY VENDORS. SUCH AS TRANSUNION A CREDIT REPORTING AGENCY.IT IS CLEAR THE COURTS DO NOT REPORT TO TRANSUNION! THEREFORE TRANSUNION INITIAL RESPONSE VERIFYING CASE NO.XXXX WAS EITHER AN ERROR OR A LIE ... EITHER WAY REQUIREMENTS TO NOT COMPLY WITH FCRA 611 ( 15 U.S.C.16811 ) AND THIS PUBLIC RECORD MUST BE DELETED! ENCLOSED YOU WILL FIND A LETTER OF WITHDRAWAL FROM UNITED STATES BANKRUPTCY COURT. AND INFORMATION FROM XXXX XXXX THAT I DON'T HAVE ANY PUBLIC RECORDS!..

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 2023-06-13
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:
I, XXXX XXXX, consumer and natural person, am aware of all the rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act. XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. XXXX XXXX illegally obtained personal and private information and sold it to other reporting agencies, including XXXX, XXXX, and Transunion. I did NOT grant XXXX XXXX permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist reporting of the account name filings to all consumer reporting agencies. 
Remove reporting of the account name filings from all consumer reporting agencies. 

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 

I have tried fixing it with credit bureaus several times. 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 2022-07-16
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Pre-approved live check came in the mail XX/XX/2022 from Tower Loan-System. A soft inquiry was done for pre-approved live check before sent to me. 2 hard inquiries were later done in XX/XX/2022 and XX/XX/2022 placing them 32 days apart. I was not notified nor did I agree to these inquiries nor did I apply for a new line of credit. The creditor is using hard inquiries to bully me into paying the debt. The inquiries have had adverse action on my credit. I lost my eligibility for a rental application ( housing ) due to this. I am head of household with XXXX infants under 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I submitted a dispute to all 3 credit bureaus ( XXXX, XXXX  and Equifax ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days. Unfortunately, as of today I still have not received any responses from these credit agencies.

I would like to know the following information : 1. Did the credit bureau receive my reinvestigation request/dispute letters per the date provided by USPS?

2. If so, why have I not heard back from them?

3. If my dispute was not received, then who has all of my account information, copies of my photo ID, SSN and bill that was sent certified to the credit bureau?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
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 am in an active forbearance now due to the fact I was sold a house that doesn't meet VA loans approval at all in the last 2 months XXXX XXXX has added XXXX and XXXX to my principle balance lowering my credit score by XXXX points under the cares act it not supposed to negatively affect me at all this needs to be rectified immediately!! they are giving me the run around and blaming everyone else other than them making the mistake i only owe XXXX not XXXX i bought the house for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Real Time Group, Inc.
State: LA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been in dispute with Real Time Resolutions for several years. On XX/XX/2020 I submitted {$52000.00} via wire transfer to payoff the account. The account still shows delinquent through XX/XX/2020. I contacted the account representative Ms. XXXX XXXX on several occasions following up on the account. She acknowledged via email in XXXX that the payment had been received, but it would take a few days to be updated. Last week, I discovered that the account had not been updated on my credit report ( still showing delinquent through XXXX } I contacted XXXX  to contest the report. 

Today, I received an email from XXXX  indicating that my account has been updated. 
The report continues to show me as delinquent in XXXX, XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I submitted a dispute to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days. Unfortunately, as of today I still have not received any responses from these credit agencies. 
I would like to know the following information : 1. Did the credit bureau receive my reinvestigation request/dispute letters per the date provided by USPS?

2. If so, why have I not heard back from them?

3. If my dispute was not received, then who has all of my account information, copies of my photo ID, SSN and bill that was sent certified to the credit bureau?

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 2016-08-10
Company: Financial Business and Consumer Solutions.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Put out of business and into jail for harrasments, threats, calls all hours and day and night, not our debt, holidays, terrorists, etc. The collection agency is FBSC Collection Agency/Financial Business and Consumer Solutions/XXXX. Also under names of XXXX or FBCS or XXXX or XXXX or XXXX or XXXX. Website is XXXX. Always changing their address and hiding their real names to avoid the law and prosecutions. Located in XXXX PA and MD and XXXX XXXX XXXX NJ at XXXX or XXXX or XXXX or XXXX or XXXX always harrassments day or nite or holidays and threats and more. Put out of business and into jail NOW!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
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: Information belongs to someone else

Complaint:
I am having a very big issue with information reporting on my credit file that is NOT MINE. I have disputed it with all three bureaus and every time I do they add more accounts that are not mine. I realize I have a very common name but they are not validating with these creditors properly. I don't know where else to turn. The are showing medical bills to places I have never been, times I know for a fact that didn't even have medical services. These companies are saying certified THEY ARE NOT MINE!!!!!!!

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 2022-07-16
Company: U.S. BANCORP
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 my checking account was hacked by a man that represented himself as being a XXXX support representative, I was having problems logging in to my XXXX  account, a qr code come up in the screen as I was logging in, the moment I scanned the code with my phone I received a phone call from the man described above, he asked me to log on to my XXXX account and he could help me log in, I did exactly that, it was at that moment he literally took over my phone, had access to my XXXX account that was also linked to my XXXX account thru my US bank , he did 3 transactions back to back totally XXXX, he used my name however he changed the phone number to his, I immediately called US Bank and reported it as fraud and closed out my checking account, after 3 wks US Bank denied my fraud complaint because they said I authorized it and it was my loss. I have requested the paperwork they used to make a determination of denial, I have yet to receive that, and the merchant letters that was supposed to go out to 2 of my debtors explaining why their debts was returned, after 6 wks they still have not received it and each time I call the fraud department I am given the go around and told the letters have been sent, I contact my debtors personally and each of them have told me they have not received them. My bank refuses to give me the information I need to fight this, they also continue to tell me this was my fault and there was nothing they can do because XXXX is automatically sent and because the hacker used my name as the recipient it is my loss. I thought that we was protected under certain laws if this happened? Apparently not, I have also filed a complaint with the XXXX XXXX XXXX and haven't heard from them either. This XXXX XXXX  up my life and took XXXX from me and I am being told I can't do anything about it, can you please help and give me some guidance?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am having a very big issue with information reporting on my credit file that is NOT MINE. I have disputed it with all three bureaus and every time I do they add more accounts that are not mine. I realize I have a very common name but they are not validating with these creditors properly. I don't know where else to turn. The are showing medical bills to places I have never been, times I know for a fact that didn't even have medical services. These companies are saying certified THEY ARE NOT MINE!!!!!!!

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 2023-10-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
Company: JPMORGAN CHASE & CO.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Had 2 more calls about collecting a debt from chase, I have no accounts of any kind with chase nor will I ever. 
They are rude XXXX XXXX XXXX voicemail on this one said they would come to my house and arrest me.

Voicemail transcription : House __ you get arrested please press one to connect are concerned officer to resolve this matter thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To The Consumer Protection Bureau. I requested an audit of my mortgage from my lender previously, as I believe my principal & total amount amount owed should be lower than it is currently. Also, my escrow balance is extremely high versus the totals for my expenses. My homeowners insurance. is {$1300.00} & my XXXX. Property Tax annual bill is only XXXX, yet, my current total for escrow is {$4500.00} paid thru XXXX & will possibly go as high as {$8300.00}. My request is they be required to provide me an audit trail regarding my balance & principal and also identify the cause of such a high yearly escrow. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX account no XXXX XXXX XXXXXXXX XXXX Account No : XXXX XXXX XXXX XXXX XXXX Account no : XXXX have 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 2017-05-26
Company: EQUIFAX, INC.
State: KY
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 have a collection that is reporting inaccurate information on my credit report. I have disputed the information 30 days ago and have yet to receive a response. This collection is not valid and the collection agency can not verify that this debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Maximus Education, LLC dba Aidvantage
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
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:
On XX/XX/2022 i sent a letter to XXXX in reference of student loans Promissory Note. I requested for a copy of the sign note to validate the debt.. I waited 30 days. I sent the letters out certified mail. 
On XXXX XXXX I decided to submit another letter since I have received my request from XXXX. I requested for the same information and as a consumer under the 312 FCRA transaction right to have information I requested. I have received any paperwork from XXXX pertaining to the Promissory Note. 
Here I am on XXXX XXXX, I submitted another letter for the same request. As of this day XXXX never responded to my requestor responded at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-16
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 recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-16
Company: EQUIFAX, 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:
It has been drawn out that you are not hindering records when I sent a copy of 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. Here are the ITEMS that needs to be removed in my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation