BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-05
Company: Arcadia Holdings, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On the XXXX of XXXX I consumer XXXX wrote two letters to company Arcadia Recovery Bureau to validate alleged debts of {$1400.00} and {$600.00} that appeared on my all my consumer reports certified mail via USPS tracking number XXXX XXXX XXXX XXXX XXXX. The company never replied regarding my request for validation of the alleged debt under 15 USC 1692g even after 60 days. In addition I submitted a Cease and Desist request pursuant to 15 USC 1692c ( c ) demanding that they cease all forms of communication with me through any and all mediums but yet I see that the company is reporting unvalidated negative remarks on my consumer reports. That is a form of indirect communication and they have violated my rights under the Fair Debt Collection Practices Act. 

I am attaching the letter that was sent along with the certified mail receipt to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
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: Information belongs to someone else

Complaint:
They are reporting stuff of my credit report that's not true. When ask to verify, was told they did they have to give me any of that information. But I know that's not true. The fair credit reporting act say they do. The lady was XXXX was very ruled, wouldn't give me her lastnight or let me speak to a supervisor. This is the second time I had to file a complaint on them, they never reach out to, just sent me an email talking about it was completed. The also tell me the never received any of my certified mail, which is lie. Cause I have my receipt. I would just like them to remove that stuff off my credit. And also I sent the documents on showing that my chd was a minor and they still refuse to remove that fraud activity off her account. She is not XXXX and was XXXX at the time. Please help ..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
During the months of XXXX, XXXX and XXXX I have consistently notified all three credit reporting agencies that the name and negative credit information on my credit report belongs to someone else. I personally believe they are ignoring information such as : SS #, Address, account # s and the name and information of someone who has never appeared on my credit report for over 30 years of my life is now being added to my credit file on a monthly basis. I dont know who this person is and I have disputed these illegitimate entries but I truly believe the credit reporting agencies are purposely gathering false information or purposely not ensuring they have the right consumers information.

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 2017-06-15
Company: Tate and Kirlin Assoc
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Tate & Kirlin Associates sent me a letter on XX/XX/XXXX stating I owed {$280.00} to creditor XXXX XXXX XXXX. I sent a letter disputing the debt and requiring disclosure of the origin of the debt on XX/XX/XXXX. No one respnded to my letter. I received a similar letter on XX/XX/XXXX with a different account number for the same amount. I sent another dispute letter and have no response. They call me every single day when Im at work. I answered once and the woman on the phone yelled at me, told me she was helping and I had to work with her to make a payment plan. She would not acknowledge my dispute of the debt or my previous letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My XXXX was transferred to Mr Cooper I'm not able to access their website to make a payment my payment will not be able to be made until it's late I have not received any paperwork or contact by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A collection notice was received fr om Monterey Collections,  dated  XXXX  for the amount of {$500.00}. Notice indicated payment was to be received by  XXXX , the day the notice was received in the mail.   Called spoke to a lady named  XXXX   I tri ed to explain that I had never made that purchase. She indicated she hears this thousands of times and that because it was my name and address it was my debt. That she had proof in front of her that indicated it was my debt. ( invoice ) Once again I tried to explain and  XXXX  did not accept any explanations. Instead she threaten to report me to a legal institution and that my credit will be affected/ ruined for 10 years so that when I go ask for credit I will be denied.   I understand that the same excuses are heard everyday but I do believe each individual deserves to be treated individually. At least listen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Possible Financial Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account was shown to be opened on XXXX XXXX I was being helped by a customer rep by the name of XXXX which I was told once we verify your police report We will be contacting you in 2-3 business days which was 2 weeks ago I keep emailing and not even a response Im showing a debt of XXXX Im unaware of this account This is not a account I opened and I been trying to get it handled but no one will help me at this company at all You cant even call to get anyone

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am a victim of identity theft.  XXXX , Experian  and   XXXX   XXXX   h as the following address listed on my credit report :  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , MN  XXXX , the address do n't belong to me. I have never resided at that address.

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022 I sent communication to Transunion to investigate accounts on my consumer report that are inaccurate. 

To Date, I have not received any response back from TransUnion regarding the investigation of the accounts. 

Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In General. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

The law plainly states that a failure to investigate these items within 30 days gives a reason to immediately delete those items or information from my consumer report. It has been 30 days so the accounts should be deleted promptly. 

I have attached the letter i sent to the 30 days ago.

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 2022-03-31
Company: Nelnet, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Loan was consolidated XXXX, servicer Great Lakes acquired in XXXX. I have disputed on many occasions the inaccurate information that has negatively impacted my credit. 
I have contacted all agencies involved and was advised that Great Lakes is unable to provide any full breakdown due to the lack of information or documentation that was with the previously servicer that initiated the consolidation. 
The servicer was originally XXXX XXXX. The date opened XX/XX/XXXX. The date of last payment with XXXX and XXXX shows XX/XX/XXXX however XXXX only shows last payment date showsXXXX. Disbursements for XXXX XXXX XXXX was {$3300.00} XX/XX/XXXX and {$3300.00} XX/XX/XXXX for a total of XXXX. From Federal student Aid site the check disbursement shows {$7600.00} with the original amount showing as {$7700.00} XX/XX/XXXX. The principal balance showing as XXXX. Great Lakes reports the original amount to be {$8500.00} with a principal amount XXXX. 
This has caused 219 % of my utilization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Real Time Group, Inc.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
This property was listed on  XXXX   XXXX ,    2016. There are 2 mortgages on this property. We received an approval from the first bank and they agreed to pay the second bank Real Time Resolutions {$6000.00}. Real Ti me Resolutions asked for the payoff letter from the first bank and then declined the offer and request an amount of {$22000.00}. After going through a divorce, which left me with sole financial responsibility for the property, I depleted my savings trying to maintain the payments for as long as I could. I was then forced to sell the property after being unable to make the payments. I was unaware that my home was in an area that lost so much value. I never expected to sell at a loss since I had already depleted all of my savings. The home is in need of repairs however I currently have a buyer, that was approved by the first lien holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Billing dispute for services

Complaint:
My Identity was stolen on dates around XXXX - XXXX Accounts have been opened in which I am receiving harassing phone calls even though I have done everything on my part to file police reports and provide all necessary documentation proving only my personal information was used without my consent or knowledge. Please assist me in getting this resolved once and for all.

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 2022-03-31
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened a credit card with Chase Bank in XXXX XXXX. At the end of XXXX XXXX, Chase closed my credit card with absolutely no warning. Which dropped my credit from a XXXX to XXXX. The reason they closed it was because after reviewing my account ( after they already accepted me and opened an account ) that I had too many credit card accounts already opened and the other reason that they closed the account was because we went over the credit limit by XXXX CENTS. After a XXXX XXXX phone call with Chase on XX/XX/XXXX, my account was placed under review to see if it could be reopened ( had to pay {$70.00} before they would put it under review ). On XX/XX/XXXX, I received a call from Chase stating after the review my account has been reopened. On XX/XX/XXXX, 3 DAYS later, Chase closes my account without any warning again. This causing my credit to drop from a XXXX to a XXXX. Forgot to mention, we were beginning the process of buying a house, which chase knew about before closing the account the a second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: First Credit Services Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called on XXXX/XXXX/XXXX to dispute a debt that they were trying to collect. The representative I spoke with was condescending and tried to make it seem like there is no way I could be telling the truth. Then tried to tell me that I couldnt dispute the debt unless I sent them proof that I had not purchased the gym membership to a XXXX XXXX XXXX I refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am a victim of identity theft. Equifax,  XXXX  and  XXXX   XXXX  has the following address listed on my credit report :  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , MN  XXXX , the address do n't belong to me. I have never resided at that address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: TX
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: Billing dispute for services

Complaint:
My Identity was stolen on dates around XXXX - XXXX Accounts have been opened in which I am receiving harassing phone calls even though I have done everything on my part to file police reports and provide all necessary documentation proving only my personal information was used without my consent or knowledge. Please assist me in getting this resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I Consumer, XXXX XXXX submitted the attached disputes to Equifax on XXXX XX/XX/2022. 
Upon review of my right and reports I submitted a dispute to Equifax requesting the listed accounts on my consumer report be removed in accordance with 15 USC 1681a ( 2 ). See below for the exact exert from the law ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; 15 USC 1681a ( b ) also states ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ... Should also be EXCLUDED from my consumer report. 

In accordance with 15 USC 1681 congresses has stated that I the consumer have the RIGHT to privacy and that I must provide written instruction to any consumer reporting agency who wises to finished information regrading me which I have not provided.

Furthermore, in accordance with 15 USC 6802 of the The Gramm-Leach-Bliley Act it clearly states that no financial institution shall disclose my personal NONPUBLIC information without the consent of the consumer AND that upon receiving such consent the financial institution MUST give the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Upon reviewing all of my documents, I WAS NOT provided with clear instruction to utilize my ability to opt out nor was I given clear instruction on how to exercise my RIGHT to opt out. 

There is no law that states that anything has to be reported on my consumer report but there are multiple that state that I have a right to privacy and that I MUST provide consent to the sharing of any of my personal nonpublic information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
During the months of XXXX, XXXX and XXXX I have consistently notified all three credit reporting agencies that the name and negative credit information on my credit report belongs to someone else. I personally believe they are ignoring information such as : SS #, Address, account # s and the name and information of someone who has never appeared on my credit report for over 30 years of my life is now being added to my credit file on a monthly basis. I dont know who this person is and I have disputed these illegitimate entries but I truly believe the credit reporting agencies are purposely gathering false information or purposely not ensuring they have the right consumers information.

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 2021-10-28
Company: EQUIFAX, 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:
Hello, I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I have also mailed all respective CRAs my FTC identity theft report as well as the North Carolina Attorney General. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent is identity theft : XXXX XXXX accounts XXXX XXXX University accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: I.C. System, Inc.
State: VA
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 am filing a complaint of non-compliance against the following collection companies : 1 )  I C SYSTEM ( XXXX XXXXXXXX XXXX XXXX ) 2 ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  ( XXXX  XXXX  ) 4 )  XXXX  This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified returned receipts for record ). 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records  and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to EXP and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the XXXX for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the  information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.

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