BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
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: Was not notified of investigation status or results

Complaint:
Hi my name is XXXX XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-01-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2019 and again XX/XX/2019, I tried to dispute with Equifax under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach I have presented the necessary Law Enforcement documents and Personal identification documents and yet no response or movement towards resolving the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: NJ
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 are a few accounts on my report I do not recognize.

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 2020-01-15
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On about XX/XX/XXXX I have a debt with XX/XX/XXXXXXXX that was sent to a debt collection agency ( Carter-Young ). I paid the debt directly to XX/XX/XXXXXXXX in XXXX of XXXX. XX/XX/XXXXXXXX is supposed to have reported it to Carter-Young. Carter-Young said they never received notification from XX/XX/XXXX that the debt was repaid. They kept it on my credit report when I had previously told them that it had been paid. 
I finally got XX/XX/XXXXXXXX to contact Carter-Young and report it as having been paid. 
Carter-Young reported that it was paid in XX/XX/XXXX when it was paid in XX/XX/XXXX. Carter-Young refused to adjust the payment date to the date it was paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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: Was not notified of investigation status or results

Complaint:
Violated the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they have on file for the account listed. Invalidated information by XXXX was not removed which constitute fraud under both Federal and State Laws. Due to this fact, negative mark are found on any of my credit reports.

Violation of the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) Violation of the Fair Debt Collection Practices Act 15 USC 1692g

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 2023-11-06
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: Account information incorrect

Complaint:
XXXX New York and Illinois offices are reporting false fraudulent and wrong info on my Experian XXXX and who knows who elses credit business. I have been forced to repeatedly and continuously submit complaints here and at appropriate state agencies for the instate illegal conduct. I am without hope and traumatized that this co is allowed to continuously and repeatedly and unfairly report and publish illegally and without stopping. The credit bureaus have a low standard of review to affirm a debt but they do not get to ignore my evidence and side with the co repeatedly and without stopping. This is illegal and wrong. Laws are being broken and ignored at the credit bureaus to affirm this debt and all info for no other reason than to hurt me and cause me to look bad. It is wrong. The exact date of this contract is XX/XX/XXXX. The exact date it became void and unenforceable is XX/XX/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 2023-09-08
Company: Advance America, Cash Advance Centers, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I haven't done anything but enroll in the XXXX XXXX for credit monitoring like suggested on the paper sent to me on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
XXXX, XXXX, and Experian. 

Personal information Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ CREDIT LIMIT $ XXXX PAST DUE 30 DAYS, REMOVE DOUBLE ACCOUNT ( # XXXX ) REMOVE ACCOUNT PREVIOUSLY DISPUTED COMMENTS AND CLOSE DISPUTE XXXX XXXX XXXX  Account number XXXX Last Payment date XX/XX/XXXX Delete continues double print XXXX XXXX XXXX  Account number XXXX Last Payment date XX/XX/XXXX XXXX XXXX XXXX Account number XXXX balance {$32.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$260.00} closed 1 month term ( Double print ) ( please remove ) XXXX XXXX XXXX  Account number XXXX balance {$260.00} closed 1 month term PLEASE REMOVE INQUIRIES UNAUTHORIZED INQUIRIES Unauthorized & shopped around auto inquiry - XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, MI 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 2023-02-21
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I tried to pay {$4000.00} rent on XX/XX/19 to my landlord via Venmo. However, my transaction was declined. I tried to call in to Venmo customer support to see if they can authorize the transaction to go through, but they said it was due to their internal automated system and they have no manual override. They then instructed me to break up the payment into smaller payments. I was able to send {$2000.00} successfully before encountering the payment declined error again. Then I realized my entire account was flagged so I can no longer send money to anyone ( I can no longer fulfill requests either ). Since I was on the phone with the customer support person, I asked if they could un-restrict my account but once again they said they have no way to override and I would just have to wait or use a different app. I rely on Venmo for daily transactions and it's unacceptable there is no way to manually override or review accounts/transactions after verifying the owner of the account is trying to make those payments. I've seen other reports that even after waiting years their accounts are still flagged. Clearly, the automated system is faulty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-14
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: Personal information incorrect

Complaint:
I have taken every necessary step to ensure that the credit bureau ( Experian, XXXX, XXXX ) updates my personal information, yet they have not done so. Not only have I asked them multiple times, I have also followed up with them and provided them with the relevant information. Despite this, they have still failed to make the changes. It is deeply concerning that they have neglected to comply with the FCRA.

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 2023-08-14
Company: Experian Information Solutions Inc.
State: FL
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-03-10
Company: Resurgent Capital Services L.P.
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/19 I sent a debt validation letter to Phoenix Financial Services LLC. On XXXX XXXX they sent back XXXX medical account statements with a XXXX balance further proving I don't owe them a debt. I called to tell them this and they said " oh well you owe this debt '' The documents I attach will prove that all accounts have a XXXX balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent you multiple times that Im the one whos disputing this information. No third party involved or credit clinic. Lets get the record straight!!! Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. The acct paid in full... Also please check date opened, closed, last payment and 1st payment received and theyre not even reporting that month on my historythis is flagrant violation of FCRA laws & needs to be updated to paid/never late. There are numerous errors inc. address of record. Please verify all info is not untimely inaccurate unverifiable or incomplete. 
The information Im disputing are INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of this account and ascertain that the DATA FURNISHER had a permissible purpose : XXXX XXXX XXXX Opened : XX/XX/2017 Balance : {$0.00}

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 2022-02-05
Company: NRA Group, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am harassed by the company daily. I have requested a bill from the hospital they claim I owe money to many many times. All I have received is XXXX letter with the debt companys name on and an amount owed. They will not give me a bill to show what this debt is for. 
National recovery agency The people I have spoken to have always been so incredibly rude and nasty and wont do the most simple thing of providing me with an itemized bill in the mail from the company they claim I owe money to I cant pay a bill I dont ever receive and I will never pay a debt through a text message which they text me Daily not a phone call not a single thing in the mail just text

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 2022-02-05
Company: EQUIFAX, INC.
State: GA
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 have sent EQUIFAX a cease and desist, affidavit of truth and bill of particulars on XX/XX/XXXX. I have let EQUIFAX know that they are breaking federal law and violating my consumer rights. EQUIFAX is still reporting NEGATIVE accounts on my consumer report with my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am disputing account XXXX due to the following : 1. The same account is currently being also reported by the alleged original creditor- XXXX Bank and XXXX XXXX XXXX. According to FCRA, it is illegal to report the same account twice 2. The attached statement provided by XXXX XXXX XXXX show an incorrect address : my correct suite number showing on my current credit report is XXXX and the statement shows an incorrect XXXX XXXX which doesnt below to me. This is an obvious and serious inaccuracy- please investigate and delete this disputed account.

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 2018-01-27
Company: Rosebud Economic Development Corporation
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I inquired about skipping a payment. I was informed that it was a one time accommodation made to customers and it would have no negative effects on my loan with regard to additional interest and fees. Due to my lack of trust with these companies I still requested that the deferred payment be processed along with the next due because I didn't trust that they would uphold the agreement. I was again told that I had nothing to worry about and the final payment would be debited on XX/XX/2018. Payment was debited as scheduled for {$86.00}. All twelve payments have been made per my bank records. They are stating I owe and additional {$290.00} and asking me how I plan to get my account back in good standing. It is in good standing!

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 2022-02-22
Company: JPMORGAN CHASE & CO.
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I got a letter from chase today by snail mail asking for more info about my disputes with XXXX and XXXX. The post office first delivered this letter to the wrong person. So it was delayed. The letter says the deadline for me to have my reply to chase is XX/XX/2022. Their web site will not let me reply in full because of a word limit. I don't have a fax machine. Snail mail will not get there in time. I think chase might have emailed me this letter already a long time ago and I might have already replied. But there is no record of this at chase.com. They should email me again and let me reply with no word limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: NCSPLUS INCORPORATED
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCSPlus Incorporated - This collection agency is representing XXXX XXXX, who we do not have a written or signed agreement with to provide any form of service. We asked XXXX XXXX to provide us with documentation of a written commitment to their company for the money owed and received nothing. Now ... this collection agency continued reporting to credit bureau and are ruining my credit score, which we completely dispute as fraudulent charges. The company should make sure charges are valid with the companies they work for before they try to collect on them, 2 ridiculous charges are in my credit score ruining like collection : 1.XXXX  XXXX XXXX Opened XX/XX/XXXX - {$13000.00} Original creditor : XXXX XXXX 2. XXXX XXXX XXXX Opened XX/XX/XXXX - {$13000.00} Original creditor : XXXX XXXX No one in my family performed a XXXX or something else to charge me the ridiculous amount of XXXX XXXX dollars, anyway I always have a medical insurance on XXXX by XXXX XXXX XXXX and I have proofs, this collector agency has a record of fraud charges with no valid proofs

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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: Account status incorrect

Complaint:
Accounts are being reported as open when they are closed. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX showing a past due amount from an account that is closed and listed as open, XXXX XXXX XXXX showing the past due amount on an account that should be closed and now listed as open this account also don't belong to me and it's showing me as the one responsible for an account and that is wrong. I wrote the company and told them that they were reporting these accounts as open when they were closed and this company never responded. It has been over 30 days. Convergent Outsourcing has not been verified and is showing in collections which is fraud. I gave no one permission to create this account or share my information.

My credit score has not increased and I have done things for my credit to increase and the score is not moving. I reduce my debt and paid my credit cards down and they still haven't changed my credit score. 

They have also added collections " XXXX XXXX '' that hasn't been verified. I contacted this company when they sent me a letter and I asked them to validate this date they never responded but it still showed up on my consumer report. I don't want them to send old bills I want a true validation requesting the original purchase agreement sending all terms and conditions showing ownership, and all payments on account not a pile of bills that prove nothing.

Company response to consumer: Closed with explanation