BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-06
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 information incorrect

Complaint:
I settled my XXXX XXXX credit card charge off. XXXX XXXX  did not report the change. I filed a dispute with the credit bureaus asking they correct or delete the inaccurate information. XXXX XXXX verified inaccurate information and the credit bureaus are refusing to correct or remove the inaccurate information. If this is not corrected i will seek a consumer protection attorney to pursue legal action for violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Co : Specialized Loan Servicing Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX URL : www.sls.net Phone : XXXX Total Amount Due : {$620.00} ( As Stated on Statement ) Total Amount Timely Paid : {$620.00} ( XX/XX/XXXX) After Payment Due : {$21.00} ( Rep said will report late if not immediately paid on phone ) Date of call : XX/XX/XXXX Payment Confirmation : {$33.00} ( Rep said no phone fee but charged {$12.00} on 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 2018-09-23
Company: Receivable Solutions Specialist, Inc.
State: TX
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:
This company violated my privacy per HIPAA regulations. They provided me a copy of a bill that contains the medical procedures I may have had. I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy.

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Trans Union has failed to delete unauthorized inquires on my credit report. 

The dates are listed : XXXX XX/XX/2019, please remove. 
XXXX XXXX XXXX XX/XX/2019, please remove XXXX XXXX Inquiry XX/XX/2019 is valid. 

XXXX XXXX  there are duplicate Inquires on XX/XX/2019 and XX/XX/2019. Please remove.

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 2020-01-27
Company: TekCollect Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2020 received a " balance verification '' notice from TekCollect regarding an old internet provider, XXXX XXXX, suggesting I owe a balance of {$110.00}. My account with the internet provider actually has a credit due of $ XXXX. Attempts to contact TekCollect were unsucessful, no answer, XXXX. Long wait/hold time to speak with XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have requested that TransUnion ( TU ) update the bankruptcy reporting file date in my credit report. I have submitted documentation supporting the inaccuracy. TU is reporting a incorrect file date for the case number XXXX. XX/XX/XXXX, TU stated that case number XXXX Chapter XXXX bankruptcy has been verified as accurate and the file date is XX/XX/XXXX. XXXX ( XXXX ) third party vendor states that the public record information obtained has been resold to TU. XX/XX/XXXX XXXX reported that case number XXXX filing date for Chapter XXXX is XX/XX/XXXX. 
TU filing date conflicts with XXXX their third party vendor. The US Bankruptcy Court states that they do not report to credit bureaus/agencies. TU states if after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results. The U.S. Bankruptcy Court has been contacted and states the U.S. Bankruptcy Court dp not report to credit bureaus. 
TU continues to report a collection without a date of last activity or date of last payment for XXXX XXXX ( XXXX ). XXXX does not have a date of last activity. XXXX only show the date the account opened and the last activity are the same XX/XX/XXXX. Please update my file. XX/XX/XXXX the account was in the file for 7 years. TU continues to re age the account due to not showing the last date of activity. 
.

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 2019-07-09
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, AFNI filed a claim with the credit reporting agencies for a debt of XXXX $ associated with an XXXX XXXX XXXX account. This debt is invalid. I have sent them a letter via certified mail requesting proof of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company failed to provide me with a truly executed copy of my loan paperwork for all 15 loans I have with their office. They provided me with only 1 copy that has a typed signature on the document. I requested the documents with my original wet signature on them. 

In addition, per the terms of the contract provided in the prior complaint ( ID : XXXX ) with this company filed in XX/XX/2018, the loan was not accelerated and considered to be in default until it has been 270 days delinquent. This company responded and stated the loan was 90-92 days delinquent. This company falsely reported this information to the credit reporting agencies, which is against Texas Finance Code 392 and FCRA. 

Per the document they provided in the previous complaint : The following events will constitute a default on my loan : ( 1 ) I do not pay the entire unpaid balance of the loan after XXXX has exercised its option under items ( 1 ), ( 2 ), and ( 3 ) in the preceding paragraph ; ( 2 ) I do not make installment payments when due, provided my failure has persisted for at least 270 days ; or ( 3 ) I do not comply with other terms of the loan, and XXXX reasonably concludes that I no longer intend to honor my repayment obligation. If I default, XXXX may capitalize all the outstanding interest into a new principal balance, and collection costs will become immediately due and payable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: Experian Information Solutions Inc.
State: NY
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: Problem with product or service terms changing

Complaint:
In XX/XX/XXXX I placed a credit freeze with Experian. In XX/XX/XXXX I tried to remove this freeze and I had a problem. I was told that Icould mail my passport, social security card andbank stayement copies to a TX XXXX  XXXX or upload them to the internet. I thought maybe I forgot my PIN number. I was not comfortable with those options so I ttied calling.They were not helpful at all. 
Later I found the email with my PIN number and realized it was correct and attempted to contact them again. They are very evasve and rude. 
Now yhe only option is to mail sensitive information to a XXXX XXXX XXXX in TX with no tracking This is unacceptable i have tried again to contact even on social media but to no avail. 
I have a serious medical issue and need to unfreeze my credit and I am being held hostage by Experian Please help me. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: AR Resources, Inc.
State: FL
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:
Received call from AR Resources INC. without identifying who they are first. Representative stated is this XXXX XXXX and I asked who is asking and the person did not want to identify his/herself. On XX/XX/19, I noticed this account was submitted to credit bureau without given me the opportunity to pay. I called the company and paid my debt. Payment confirmation # XXXX and AR Resources stated the account would be deleted from the credit bureau. Please have company expedite this request because I need them to take this account out of my report. 

Account # XXXX Paid in Full {$500.00} on XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: The Stark Collection Agency, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent a letter to THE STARK COLLECTION AGENCY. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: Diversified Consultants, 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: Account information incorrect

Complaint:
I purchased 4 phones and services from XXXX. Prepaid 1 month service and taxes. Over {$400.00}. 
I only activated 1 phone. We couldnt get setvice. XXXX tried to fix it. No luck. We returned the phones within 10 days. I only got a partial refund. 2 months later I get a collections account added to all of my credit reports. Ive call the store and customer service. I learned that the collections company is part of XXXX. I got no where.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Ive been a victim of identity theft, This account does not belong to me see attachment ...

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 2018-09-23
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:
Ive tried many times to resolve these issues in writing and by calls I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company and learned my rights under the Federal Trade Commission. Although Ive paid balance owed under my name I did not authorize some of the charges on this account, and I therefore request that it be delete This account immediately. I also request that XXXX Card absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. also a Identity theft Notice was placed on all 3 credit reporting agencies.

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 2020-01-27
Company: Experian Information Solutions Inc.
State: WI
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 have been trying to resolve issues with this company named XXXX XXXX reporting inaacurate information on my file. I hereby dispute this account on my 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 2019-10-31
Company: EQUIFAX, INC.
State: PA
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:
Fraudulent account identity theft XXXXXXXX XXXX XXXXl Open XX/XX/18 Amount XXXX This fraudulent account was previously deleted from credit report but continues to reappear Equifax sent me a letter stating the creditor doesn't show on my report but the creditor still is showing

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I live in Alaska and I have an XXXX Bank of America credit card I received a notice from Bank of America telling me I must come to one of their locations and provide them physically with a copy of one of my Photo IDs. when I contacted Bank of America they told me they have no branches in Alaska and I would have to buy my own airplane ticket and fly to XXXX to go to a bank branch and show them an ID they said they have no recourse for this and I must do it or they will close my account and make me pay my balance in full. any help that could be given as to some type of resolution would be appreciated

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 2018-09-23
Company: JPMORGAN CHASE & CO.
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:
Ive tried many times to resolve these issues in writing and by calls I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company and learned my rights under the Federal Trade Commission. Although Ive paid balance owed under my name I did not authorize some of the charges on this account, and I therefore request that it be delete This account immediately. I also request that Chase Card absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. also a Identity theft Notice was placed on all 3 credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, on XX/XX/XXXX, I pulled a hard copy of my credit report, and noticed hard 24 inquires on my Transunion report. I submitted a 2nd written request by mail for Transunion credit Bureaus on XX/XX/XXXX to send me copies of the documents that the company has used to verify the accuracy of the account. I have been dealing with Transunion over a year, and they have not looked into my credit report. I have not received any recent letter from Transunion regarding the investigation of the 24 Inquires on my report. in over 30 days from the date of the letter I sent to them. " " Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract.

As I've stated above, the Transunion credit Bureau did not provide me with any verifying documentations. 
Hard Inquires-File number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error on the reporting Credit Bureau, Transunion. Thanks so much for looking into this important matter.

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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
TRANSUNION REFUSES TO UPDATE MY ADDRESS AND INFO. 
MY SOCIAL SECURITY CARD WAS ISSUED IN XXXX BUT NOW IN XXXX, I LIVE IN PENNSYLVANIA. need this updated and verified, and confirmed. Please send me the annual ( free ) credit report. I provided my info in the attached.

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