BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the second time my identity has been compromised. I don't understand why this continues to happen to me, but there are several accounts that were open under my name that are not mine and need to be removed. Please remove these fraudulent unknown accounts from my report. 

DEPTEDXXXX XXXX {$11000.00} DEPTEDXXXX  XXXX {$3400.00} XXXX XXXX XXXX {$26000.00} DEPTEDXXXX  XXXX {$21000.00} DEPTEDXXXX XXXX {$6100.00} DEPTEDXXXX    XXXX {$20000.00} XXXX  XXXX {$3200.00} DEPTEDXXXX   XXXX {$3700.00} DEPTEDXXXX XXXX {$7500.00} XXXX XXXX   XXXX {$23000.00} US DEP ED 4XXXX {$34000.00} XXXX XXXX {$5700.00} XXXX XXXX {$290.00} XXXX XXXX  XXXX {$2800.00} XXXX   XXXX {$7100.00} XXXX XXXX {$990.00} US DEPT ED XXXX {$8500.00} UD DEPT ED XXXX {$9000.00} XXXX   XXXX {$5300.00} XXXX/XXXX XXXX {$0.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$480.00}

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 2021-03-25
Company: EQUIFAX, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an email notification from XXXX that on XXXX, a Collections of {$91.00} from XXXX XXXX XXXX , XXXX ( XXXX Account XXXX ) was posted to all three credit reporting agencies. The debt was originally from XXXX XXXX XXXX. I've never lived at XXXX XXXX apartments and I'm a victim of identity theft. I've faxed ( XXXX ) and mailed ( XXXX. XXXX XXXX, XXXX, GA, XXXX ) copies of the police report, driver 's license, social security card, XXXX, utility bill, and rental agreement, to Equifax 's fraud department. XXXX disputes have been filed ( XXXX, XXXX, XXXX, XXXX ), and I've spoken to representatives XXXX on XXXX and XXXX on XXXX, and the Collections is still on my credit report. I've even filed with the XXXX, and it didn't resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification today that a collection was added to my credit report in the amount of {$84.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to you to complain about Santander Consumer USA XXXX XXXX XXXX, XXXX XXXX TX. I have no known unpaid accounts with this business and after repeated verification request Santander has not responded to my certified letters and continue to report to the three major credit bureaus in violation of federal law. This company unlawfully reported to XXXX, XXXX, and XXXX  as recent as XX/XX/2020. Santander has continued to damage my credit rating and has caused me denial of credit by reporting inaccurate information to the three major credit bureaus. The erroneous account is in the amount of {$300.00}. The account is erroneous and not a result of any transaction that I have made. It is inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. I attempted to contact Santander multiple times via registered USPS certified mail with return receipts which prove Santander has blatantly ignored my attempts resolve this issue and they have not responded to my requests. Santander has misrepresented this account by reporting a past due balance in the amount of {$300.00}. This account has been paid in full and has never been past due. This is in violation of Federal Law and my rights as a consumer. Please contact me to let me know how to resolve this issue. This has been ongoing for over a year with this company and enough is enough!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
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 applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and the aII need to be deleted from my credit report. I've contacted the FTC and the police. I'm doing this on my own. There are still items on my credit that are not mine. XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX. INQUIRIES : 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 2019-05-14
Company: Armcon Corp
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Coachella Valley Collection Service called me to reach out to my brother, I was at work but the lady with the name of XXXX called me every 2 minutes, including my work number, after I called her supervisor / XXXX, he promised they don't call my employee anymore, but when I came back to work, my coworkers told me they called again. 
when I told XXXX the law doesn't let you call my employee, she just screamed at me REALLY??????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XXXX, my Capital One personal card was declined while trying to make a purchase ( less than {$10.00} ). Upon calling Capital One customer service, I was informed that a " restriction '' was placed on my credit card account, and that I would be unable to use the credit card until I submitted specific documents for identity verification. 

When I asked why the restriction was put into place, a representative of Capital One & that representative 's supervisor both declined to provide an explanation. My account has been in good standing for many years, and Capital One gave me no notification about potentially fraudulent charges ( as has happened a number of times in the past ). Quite simply, Capital One restricted my account with no warning or justification provided. 

Capital One 's proposed solution is for me to submit ( sensitive ) documentation in order to verify my identity : [ 1 ] a scan of the front & back of my driver 's license, [ 2 ] a scan of my signed Social Security card, and [ 3 ] proof of residence ( e.g., a utility bill or bank statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
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: Information belongs to someone else

Complaint:
This is the third time I have requested actual proof of ownership, proof of contract from 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 Taking assignment of Debt ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency. ( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection. ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. I believe all these are inaccurate and is in violation of both FDCPA and FRCA.

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 2020-02-20
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: Investigation took more than 30 days

Complaint:
I disputed my information with XXXX, XXXX, and TransUnion on XX/XX/2020 and the problem hasnt been corrected. Its been over 30 days

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 2019-01-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is the third time I have requested actual proof of ownership, proof of contract from 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 Taking assignment of Debt ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency. ( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection. ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. I believe all these are inaccurate and is in violation of both FDCPA and FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Niagara Capital Recovery LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Called my cell phone number about my mom. I pretended to be my mother, and gave private information like her social, and bank account number over the phone. The person threatened legal action and wanted payment over the phone. Claimed they were from XXXX XXXX XXXX. Very hostile and rude over the phone.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 tried several times to dispute the lates that are reporting on all 3 of my credit bureaus and also with XXXX. They state that they are correct but I always signed up with them for extensions and now they wont talk to me since they are paid off. I just would like my reports to have no negative effect since I paid them on time all the time. They also have my wifes address wrong.

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 2018-07-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Contrary to the following : 605A. Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ] ( a ) One-call Fraud Alerts ( 1 ) Initial alerts. Upon the direct request of a consumer. 
Equifax has added a fraud alert to my credit report without my requesting it. This is a violation of FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: EQUIFAX, 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:
XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$41.00} Asked reporting agency to validate debt by providing copies of original statements/ signed contracts. Company failed to provide such information but is still reporting this inaccurate information on my credit. They concluded in less than 2 days that the alleged accounts belong to me, without actually validating this information, which is negatively affecting my credit score. I am asking for this information to be removed/deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the app XXXX XXXX to keep track of my scores. I recently logged on and many unknown accounts popped up with my name and social listed. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts has been trying to continue to open more accounts and inquiries were not made by me. Please take these fraudulent items off my report. 

XXXX  XXXX/XXXX XXXX {$0.00} XXXX XXXX XXXX {$880.00} XXXX  XXXX  XXXX XXXX {$870.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$880.00} XXXX  XXXX  XXXX  XXXX {$710.00} XXXX  XXXX {$960.00} XXXX  XXXX  XXXX  XXXXXXXXXXXXXXXXX {$960.00} XXXX   XXXX  XXXX XXXX  XXXX {$240.00}

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 2019-01-24
Company: Conn's, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : CONNS CREDIT CO The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX, TX XXXX I was advised to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. You will notice that this was mailed out XX/XX/XXXX, and was not able to be delivered due to them reporting the wrong address on the reports, again, a violation of the FCRA and FDCPA. 

I have just had the envelope returned to me, as it says it is an invalid address. This IS the address that Conns Credit was reporting on the credit reports, which in itself, is a violation of the FCRA and the FDCPA as they are reporting inaccurate info on my reports, not to mention the debt itself. 

Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. Since they are reporting inaccurate info on the reports, it has now made it impossible for me to use my rights under the FCRA and FDCPA to get validation on this account, and makes it impossible for them to validate it within those 30 days as I mailed it to the address that they inaccurately put on the reports. 

Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and Conns Credit Co have NOT removed this account from my credit reports, or have sent me any kind of validation. 

I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. 

Thank you for helping me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I purchased a car from XXXX XXXX XXXX in XX/XX/XXXX this company was sold to First Investors around XX/XX/XXXX. I have disputed the late payments being reported from XXXX XXXX XXXX to First Investors. I received a notice stating that First Investors verified the information from XXXX XXXX XXXX   and the payments are accurate, and have been verified. This is untrue as no one works in XXXX XXXX XXXX any longer. I discovered this from doing research on my own. The company has dissolved. I spoke to a rep from First Investors that stated that they verified the payments going back to XXXX as they used records that XXXX provided them. My question is how can this be validated and verified as XXXX reported the information incorrectly. This would make the entire payment history of late payments unverifiable and unable to be validated. There are many incorrect payments statuses on my credit report that XXXX XXXX XXXX posted but it is listed under First Investors.

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 2020-02-20
Company: Experian Information Solutions Inc.
State: AR
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 the app XXXX XXXX to keep track of my scores. I recently logged on and many unknown accounts popped up with my name and social listed. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts has been trying to continue to open more accounts and inquiries were not made by me. Please take these fraudulent items off my report. 

XXXX  XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$710.00} XXXX  XXXX {$960.00} XXXX XXXX XXXX XXXXXXXXXXXXXXXXX {$960.00} XXXX XXXX XXXX XXXX XXXX {$240.00}

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 2019-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i sent XXXX XXXX a letter on XX/XX/XXXX regarding this account, on Transunion it showing as of XX/XX/XXXX that my account is closed and it should be reported open.Please help me get this corrected cause it lowering my score and having stress behind this cause i cant get anything that i need

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 2019-01-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Original Balance : {$11000.00} Balance Updated:XX/XX/XXXX Debt was result of Identity thelf

Company response to consumer: Closed with explanation