BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-27
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To whom it may concern ; RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. There have been accounts and services established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I have been in contact with the credit furnishers listed and have proven that the accounts do not belong to me. 
They have since closed the accounts in their systems, however, the accounts still remain in your records as active and valid. Because of your mismanagement of account information and unprofessional data being furnished, this has continued to wreak havoc on my financial life and has presented numerous challenged for me and my family. I urge you to remove these invalid entries, at once without prejudice. 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$2500.00} XXXX XXXX ACCT : XXXX XXXX : {$3500.00} XXXX XXXX ACCT : XXXX XXXX : {$7700.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$270.00} You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that they have never lived. The only address in XXXX that I have ever lived at is XXXX XXXX XXXX. 
The below addresses need to be removed from my reports immediately! 
XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuous and ongoing to no avail. 
This is again a demand to remove and block such information from the report in question. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 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 explanation
Consumer complaint received 2018-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
when i applied for a truck loan in 2016, when they ran my credit, none of my creditors showed up on my report except for 1 account that had already been closed. i ordered my free credit report and upon receiving it in the mail, it has none of my creditors on it. i called them to file a complaint and they said to call the companies to see if they were reporting to the agency. i did that and was told they are reporting as always. yet still after a year of trying to get to the bottom of this it, my credit report is still BLANK. No one is able to help me, I've called numerous people for help and am getting no where. HELP!!

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 2020-05-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I received an email this morning stating my direct deposit was rejected. Attempted to access my account and was not able to do so but via the app. Called the number on back of card and was told account is permanently suspended. Tried to speak with an agent was not able to do so, call just disconnected once I was told account is permanently suspended. Received a second email stating account was suspended due to terms that were violated in consumer user agreement but does not state the violation nor does it give any further details. I have funds in the account as well as pending transactions totaling an estimated amount of {$520.00}. I had 4 direct deposits rejected this morning each amount for {$600.00}. The section the reference states it would not close account with funds available but they did just that. Im not sure how to retrieve my funds or who to speak with. I just want all funds returned immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Investigation took more than 30 days

Complaint:
I respectfully disputed on ( XX/XX/2020 ) for items on my credit report to be verified according to federal law though physical verification of the original signed consumer contact. The investigation has taken well over 30 days and no proof of contact have been provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is about the 10th time Ive tried to get my credit report reporting correct and nothing seems to be done. I understand the account can not be removed, although I have PAID THE COLLLECTION OFF IN FULL. however, the account status is still being reporting incorrectly, the account status with transunion had the account as being derogatory. Let me state the correction, The current account status is not derogatory, I have paid the account in full, so it should indicate CLOSED/PAID. Secondly, the payment chart for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, shill show as " C '', for collection. This account was paid off XXXX XXXX, and became no longer in collection when I made the final payment. This holds true for XXXX. XXXX seems to be the only reporting agency that is reporting correctly. The account in question is XXXX XXXX, for my XXXX XXXX Account ending in XXXX. PEASE CORRECT MY CURRENT ACCOUNT STATUS TO PAID/CLOSE AND UPDATE MY PAYMENT HISTORY FROM XX/XX/XXXX TO NOW, AS CLOSED,. According to section 609 of the fair credit reporting act provided protection of consumers against false and erronous reporting. II was advised my another ageny that I can hire a legal team to get this correct. I am trying my best to get this done without a legal team, so please update my current account status and payment history

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 2019-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  and Transunion are reporting me as 60 days past due on the XXXX  partial account number XXXX that has a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

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 2020-12-09
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
This company keeps on holding on my transactions ... they will process the transaction and let me wait for a long time!! And just to see them hold my XXXX money!! And customer service is telling me different reasons why a hold is in process!!! my point is why do they get the money if their not sure yet!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Peter Roberts & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PETER ROBERTS & ASSO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Dear Sir or Madam, This letter is in reference to account??? at XXXX XXXX XXXX XXXX for services provided to XXXX XXXX on XX/XX/XXXX In regard to the bill on this account in the amount of ( {$110.00} Please be advised this is not a refusal to pay, but a notice your claims are being disputed. 

Under the Fair Debt Collections Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and proof that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and or authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY PROVISIONS AND PENALITIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term " breach of security means, with respect to unsecured PHR identifiable health information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the omnibus final rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information. Technology for Economic and Clinical Health Act of 2009 ( HITECH ACT ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account and a copy of any HIPPA authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collections activities, including reporting of or verifying of this account on my credit reports. 

In the event of non -compliance, I reserve the right to file charges with the OCR on your HIPPA violations and appropriate County, State and Federal Authorities. I require compliance, I reserve the right to file charges and/or complaints with the OCR on your HIPPA violations and appropriate associations for violations and appropriate County, State & Federal authorities for violations of the FDCPA, FCRA and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of California medical privacy rules. 

I also hereby reserve my right to take private civil action against you to recover damages. 

Sincerely,, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 previously tried corrrecting the issue with the company XXXX XXXX XXXX XXXX XXXX- however they only show to have XXXX   out the balance not clear it. I have tried to dispute the info with TransUnion and they have yet to return with info.

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 2022-08-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 items 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 items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: SLM CORPORATION
State: SC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My first call with them was very abrasive I had no idea that my account that was joint with my deceased aunt had been sold to a 3rd party collections. I received no written notification just a report on my credit report and then the calls started. The agent was condescending and gave me no information just wanted a payment the call was disconnected. They have continued calling me 2 to 3 times every other hour from different numbers. My credit report is showing that the have charged almost 93 dollars in addition to the original loan and they are reporting to the credit bureau more than 1 every 30 days. The dates reported are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The original loan amount sent to them was XXXX. They are saying I owe them over the course of my alleged acct being with them 4 months, according to my credit report, XXXX. Still no written report have been sent to address although confirm with the agent and the calls have continued. Prior to the account being sold Sallie Mae harassed not only me but my sick aunt and called multiple times an hour within one day and through it all I didn't even know it was illegal until recently. They were telling her they would come take my degree, I would be arrested, they would garnish my wages and her SSA, they were going to send government officials to my door. This has been trying considering she died shortly after those calls and now I'm grieving her death and this mess with the XXXX XXXX and Sallie Mae.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted equifax about several facts on my equifax credit profile. 

My date of birth was listed as XX/XX/XXXX my birthday is in fact XX/XX/XXXX I sent a copy of my drivers license. 

Also they had listed as addresses I've never lived at. I asked that they all be removed and they haven't been. 

I had many credit inquiries that I tried to tell them weren't mine, they refused to investigate them. I wrote them a letter and in the letter asked for a return letter. They never opened a dispute and my information is not updated. When I call in they refuse to make an investigation. I was also a victim of their information breach. They refuse to abide by the law and I had no choice but to take this action I have dozens of hours invested in this endeavor. And I just am at my wits end, they are damaging my credit profile by refusing to do what's necccesary, they rush me off the phone after I wait for hours to speak to representatives. 


XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Zarzaur and Schwartz, PC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX and zarzaur & Schwartz PC ARE ATTEMPTING to garnish my wages when I wasnt served proper paper work and I have put in a dispute through XXXX XXXX  and when I asked for the original signed contract they were not able to provide it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
This is actually my second complaint against the Credit Reporting Agencies this year. I placed a dispute in as I am victim of Identity theft in XX/XX/XXXX via the mail and I received no response. I then went forth to upload direct into the CRA and sent the dispute via fax at the end of XX/XX/XXXX. The dispute was submitted with supporting documents on the basis of Fair Credit Reporting Act, Section 605b which states that a victim of identity theft that has accounts breached or established without proper authorization or benefit should be blocked in 4 days. I have attached the supporting documents to this complaint entry.

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 2022-08-06
Company: Experian Information Solutions Inc.
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:
I started disputing inaccurate info on my credit report an I ask credit bureaus to delete any inaccurate info on my report an it was not legally deleted instead after each dispute my reports came back as verified and accurate. I want to know how could the be when the accounts I am referring to are charged off accounts that is reporting a balance, that a clear violation of the FCRA. I also sent an FTC report to prove the account wasn't mine an yet the three bureaus still state that the account are accurate but still reporting inaccurate info to my reports. 


Company or Organization : XXXX XXXX Account Number : XXXX amount- {$270.00} Company or Organization : XXXX XXXX Account Number : XXXX amount- {$150.00}

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 explanation
Consumer complaint received 2020-12-09
Company: ResidentCollect, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After checking my credit report I noticed a derogatory item on my credit report saying that I owed {$1700.00}. I wrote a letter to the collection agency to dispute a derogatory item on my credit report that they reported to the credit bureaus. On XXXX XXXX they received the letter that I sent certified mail .in the letter, I told them that I am not responsible for the debt they are reporting on my credit report, and asked them to stop reporting the debt on my credit report. And to stop all collection attempts of the debt, and I also asked for them to verify the debt if they dont stop reporting the debt on my credit report. It has been more than 30 days and they have not responded to me in any way or not have they deleted the item off my credit report report, or stop attempts to collect the debt. which is a violation of section 611 of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Re XXXX File No. XXXX The above referenced firm XXXX XXXX XXXX XXXX XXXX falsely filed a court judgement against me in XXXX of 2014. Rather than fight the matter further in court, I agreed to a repayment plan effective XXXX XXXX, XXXX. Payments have been made faithfully since that date on amonthly basis, and in some cases two months payments were made. It appears that these payments may have been recorded incorrectly prompting the firm to send me a certified letter ( attached ) indicating that a Notice for Execution Against Wages, which could have possibly resulted in the  termination of my employment. Given the gravity of these implications, I felt my XXXX XXXX XXXX and began to immediately XXXX XXXX XXXX. I was able to gather myself to call XXXX and review my payment history with them to which a XXXX . XXXX XXXX was very kind and attempted to calm me down, and told me I had nothing to worry about, then proceeded to force me into a new agreement that would double my monthly payment. I also reiterated that none of this would have happened if they set the account up on an auto deduct from my bank account, however, they said that this could not be done. The matter was unintentionally made worse each time XXXX XXXX referenced a judgement that was still unresolved. At this point the damage that this very threatening letter was already done. I will be heading to a clinic now to have my XXXX XXXX checked or to determine if I need to go to an emergency room.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
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:
On XX/XX/2019 collection agency XXXX XXXX reported an open balance of {$1000.00}, I contacted the original creditor XXXX, XXXX and XXXX  to advise them this was included in Chapter XXXX discharged bankruptcy. They have refused to update the balance, report the account as Bankruptcy and will absolutely not respond to my right under the Federal Bankruptcy Law.

Company response to consumer: Closed with explanation