BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-11
Company: Resurgent Capital Services L.P.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is committing fraud. I pulled my credit report and I noticed XXXX XXXX is negatively affecting my credit profile.I never had a contract with them, I never agreed to do business with them, and I never received anything from them. They are stating they bought a debt from a creditor and they have been reporting since last XX/XX/XXXX. I have tried disputing this inaccuracy in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with them but they haven't sent me anything they just keep verifying to the Credit Bureau. XXXX XXXX is breaking the law, according to FCRA all information reported must be 100 % accurate not fraudulent. Please delete this inaccuracy / fraudulent information from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with the FAIR CREDIT REPORTING act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 1 ) Acct name : XXXX XXXX ( trans union ) and XXXX XXXX XXXX XXXX XXXX XXXX *15 U.S.C.1681 602 ( a ) ( 4 ) : States I have the right to privacy. *15 U.S.C 1681b 604 ( a ) ( 1 ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions. *15 U.S.C.1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. *15 U.S.C 1681s-2 623 ( a ) ( 1 ) ( A ) : States a person shall not any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2018-09-11
Company: ENCORE CAPITAL GROUP INC.
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/18- The representative of XXXX XXXX XXXX called me within my working hours to collect a debt. A third person called me, did not identify himself and then he transfer the call to this representative. I tried to explain him that I was in working and can not speak about my personal stuff in front of my co-worker, but this person insisted in talking about why I have not pay my account. 

This company uses the " legal actions '' against the customer..this company never answer when I call them to negotiate my debts. Never answer the emails, and when I request an investigation, never did it. This harassment has to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: MI
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:
Yesterday, my wife and I submitted an application for a HELOC with a known and trusted bank with whom we are already doing business. Today, I received an unsolicited text message on my phone, addressing my wife by name, from someone named " XXXX '' at " XXXX XXXX. '' The text says in part, " I'm reaching out as we were notified by XXXX, Equifax and XXXX of your recent credit inquiry for a mortgage product, '' and going on to offer a competing loan product. This is either an extraordinary coincidence, or one or more of the credit bureaus have shared confidential information, including our name, phone number, and the fact that we've applied for a mortgage product, without our consent. I have attached a copy of the text message, which includes an NMLS  number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Id like to see the orginal contract that was signed in XX/XX/2012to verify my signature on he XXXX cell phone bill account. The current amount owed according to the caller is {$930.00}. I am disputing the debt and request it to be validated. They called me and I told them Id have to call them back later because Im currently at work. The caller then wanted to transfer me to someone else and continue to inquire about the debt. Im disputing the debt and would like it validated and I request that it be removed from my credit report immediately.

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 2022-01-15
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Security Credit Services, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/XXXX i saw an account in my credit report from Security Credit Services. I called to inquire they said it was a XXXX account belonging to my ex wife of which i was authorized user. I ask for info to call XXXX and i file a dispute with both company because i never had any joint account or was i any authorize user on her account. They said they mailed the info to me, any way i check my report again and the account was removed, so i left it as that. Late last year the account returned to my credit file, so they deleted it to prevent me from disputing it and put it back hoping i would n't notice the put it back. i called security credit services again spoke to XXXX XXXX every time i called they were transferring the call straight to him. He ask me if i file a police report i said no, you never send the info. i went to the station to file a report they told me i need teh account number, name of who open the account, when the account was open and close and the address where the account was open. I called XXXX XXXX back told him what they said i needed he said he would send it. And when i call XXXX they 're telling me they don ; t have any record of sending my name to collection and they do n't have any outstanding account with my name on it. XXXX XXXX said they returned the account to the original lender i called XXXX, nothing i called back he give me a number for another collection agency saying they bought the account from them. And they kept giving me one store after the next. Today XXXX/XXXX/XXXX i called still trying to get the info on the account spoke to XXXX again she 's telling me the account was returned to the original lender, saying they did send the info to the address where the account was open when i give XXXX XXXX my address to send the info. I hang made some more calls and call again this time XXXX said the account is pending to be returned to the original. So they 're lying about who have the account and wo n't give me the info to dispute it with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion has removed two my education loans that was paid off and closed well over 19 years then later placed them back onto my credit report with different account numbers. This is an ongoing situation with Transunion, the first is an education loan from XXXX XXXX servicing, amount {$4000.00} is closed and 19 years old, the second account is XXXX XXXX XXXX Status 19yrs 9mosAge of Account Amount {$4000.00} They have failed to remove from my Transunion credit report

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 2019-12-19
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to place a security freeze online as a precaution, as I don't plan on opening any new accounts for a while. I had zero problems placing this freeze with the other two big credit reporting agencies. It took seconds on their end. However, Experian is making me jump through unnecessary hoops. They want me to mail in proof of my identity through the mail ( copies of drivers license, a utility bill, SSN, etc. ). I find this to be  extremely anti-consumer especially because I have an account with them! Why can't I just log in to my account and place the freeze like I can with XXXX  and 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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely 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 non-monetary relief
Consumer complaint received 2021-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital one restricted my account because I made 2 payments on the same day From the same bank account I have made every payment to them. 
They received the payments were posted without and issues except that I made 2 in one day.

My account has been restricted since XXXX I am tired of calling and keep getting told I have to correct the issue and prove the bank account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
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:
There are many accounts open on my credit report, they use a different name because they provably didn't know my real name, They use XXXX, XXXX and other names my real name is XXXX XXXX and I was XXXX in the XXXX XXXX in XXXX, XXXX XXXX and XXXX XXXX I have my XXXX orders all the data is incorrect please assist. I am in town for the next 2 months.

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 2021-05-02
Company: Experian Information Solutions 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:
I have received a copy of my credit report and it shows company XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) account XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX  Account XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX accounts XXXX XXXX  has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer r

eporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has re
asonable cause to believe that the information is inaccurate.

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 2022-10-18
Company: Experian Information Solutions Inc.
State: AL
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/2022 On my most recent credit report, XXXX XXXX XXXX Is attempting to : 1 ) Reage a credit account, with is in violation of the fair credit reporting act.

2 ) Add back an account that has been removed under a different title, against the law, and against the fair credit reporting act.

3 ) Add back an account that was removed due to fraud, and illegal business practices.

The other two agencies have refused to allow them to do this using their services, but Experian is assisting in these illegal practices.

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 2023-01-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act the account listed below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : 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 2022-08-26
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2019-12-19
Company: Navient Solutions, LLC.
State: OK
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
After many weeks of receiving hourly phone calls from Navient, I sent them a letter instructing them only to contact me by mail, per the Fair Debt Collection Practices Act, and the calls stopped, although they have emailed me a couple of times. Today, XX/XX/19, the mother of a friend from middle school let me know that Navient had called HER and left a message for me. She is not listed as an emergency or secondary contact in any of my paperwork ; Navient should not have her number unless they dig it up themselves. This is a huge breach of privacy and a clear violation of the FDCPA, given that I had instructed them to only contact me by phone and that they contacted someone completely unrelated to me and told them they were looking for me regarding student loan debt. Per the FDCPA : " a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. '' Navient clearly violated this. 

The person who contacted her was named XXXX XXXX, and she gave the reference number XXXX and the phone number XXXX extension XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The information is incomplete, please do a Validation XXXX XXXX Reported : XX/XX/2019. 
{$91000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The information is incomplete, please do a Validation XXXX XXXX Reported : XX/XX/2019. 
{$91000.00}

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 2023-02-16
Company: EQUIFAX, INC.
State: MS
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:
Under consumer law 15 usc 1681c 2 which states : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Your company has not removed the inquiry before the allowed time, which is a violation.

Company response to consumer: Closed with explanation