BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 was the victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX Balance {$150.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance {$430.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$580.00} ; XXXX XXXX XXXXXXXX Balance {$900.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance {$180.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$240.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4700.00} ; XXXX XXXXXXXX Opened XXXX XXXX, XXXXXXXX XXXX Balance {$3600.00} ; XXXX XXXX XXXXOpened XXXX XXXX, XXXX Balance {$260.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Opened XXXX. XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$200.00} ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX Inquiry Date XXXX. XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX ; XXXX Inquiry Date XX/XX/XXXX ; US SM BUS ADMIN ODAInquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date 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 non-monetary relief
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to formally file a complaint against XXXX located in XXXX, GA ; EXPERIAN located in XXXX, TX and XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, XXXX, EXPERIAN AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this 3 bureaus namely XXXX, EXPERIAN AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: In progress
Consumer complaint received 2022-09-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MT
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:
HI, I have been disputing this fraud account on my credit reports for years!! I have wrote numerous validation letters to the collection agency through the years & they have no proof this is my account, I explained to them it's not mine, & IM A VICTIM OF FRAUD/Identity theft! I never opened an account with XXXX XXXX & then XXXX XXXX  sold it to Portfolio Recovery Associates on XX/XX/2021! This collection company has violated my rights several times by ignoring my requests & reporting fraud on my credit reports. I have no contract with Portfolio Recovery & they keep sending a copy of a bill with my name on it, any one can use your info & create an account! It's against the law for a 3rd party collection agency to report on my credit reports with no validating contract & signature, for more than 120 days. I am fed up with this company! I deserve for this fraud to be off my reports asap. I have already filed an identity report with the federal trade commission & they still are illegally reporting this fraud account on my credit report. I appreciate if they remove this fraudulent acct. ASAP It is hurting my credit & I don't deserve this, when it doesn't belong to me! THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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 purchased this vehicle on XX/XX/2022. I have never been late. XXXX XXXX has me down as XXXX XXXX instead of sending in the payment monthly. I have never been more than thirty days late. I received an XXXX for XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. Here are the accounts that I wanted to fix. 
OFFICE OF THE ATTY GEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OAG CHILD SUPPORT ENFORE XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTORNEY GENERALXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Tulsa Adjustment Bureau
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to XXXX XXXX XXXX in XXXXXXXX XXXX for several months after being referred to them by another Chiropractor. Before going I confirmed they were in network with XXXX XXXX. The office is part of a medical network with XXXXXXXX XXXX that offers discounted rates to XXXX customers. After service was completed the office will not accept the discounted rates and are now trying to send me to collections for the full billing amount, and not the discounted rates Im entitled too. In addition to sending me to collections they have also placed a lien on my unsettled bodily injury claim for the full amount and not the discounted rates. This practice is deceiving and at the very most I should owe is the discounted progressive rates. Once I receive a correct invoice with how much I owe I can settle with them. This should be illegal as they are trying to seek more than they are owed from multiple different methods.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Peer Advisors, LLC
State: MI
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
To : XXXX XXXX XXXX ( XXXX ) From : XXXX XXXX XXXX, elder sister of XXXX XXXX XXXX, deceased re : Extension needed to stop foreclosure PROPERTY of XXXX XXXX, deceased XX/XX/2022 ADDRESS : XXXX XXXX XXXX, XXXX XXXX, CA XXXX I just spoke to XXXX to request an extension for the home property of my brother, XXXX XXXX, which apparently is threatened w/ foreclosure. I am trying to deal with this from MI. I explained that for Proof of Effort, I had already provided contact information for the Realtor and the Attorney handling the property sale but that I could not provide an ad for the sale until probate has been completed, which they hope will occur by XXXX but we dont have any control over the judicial system that does this. I had already provided the information for the Realtor and the Attorney for the proof of effort but will provide it again : Atty : XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX cell : ( XXXX ) XXXX This is the Attorney who is handling the probate. Realtor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX cell : ( XXXX ) XXXX This Realtor is managing the property and tending to the landscaping, which you can easily witness by visiting the property. They can not prepare the interior until probate has been complete In the meantime, can you please grant the extension and stop the foreclosure? Also, my brother died from XXXX complications. So he would qualify for foreclosure extensions through federal protections. Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX ( XXXX ) XXXX, office ( XXXX ) XXXX, cell XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: NAVY FEDERAL CREDIT UNION
State: AR
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/2015, I had contacted Navy federal credit union about fraudulent activity on my credit card and large purchases not made not by me. I also told them that my personal account at a local bank was compromised and funds was taken from it as well. This led to a period of hardship for me, do to losing my money and being payed off because employer lost their contract. I asked them to lower my monthly payment on my credit card and auto loan accounts and when I get new employment, I can repay them. They ignored everything I was telling them and wanted to keep the payment as is, I told them that I could not pay the full amount and the account went delinquent and eventually it was charged off. The account is in charge off status and the debt was written off on their taxes, yet they continue to send monthly charge off status to the 3 credit bureaus as if the account was charged off last month. This a form of consumer harassment, because they are trying to make it look like this account has been recently charged off when it was charged of years ago. Its affecting my credit in a negative way and I want the account removed from all 3 credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Receivables Performance Management, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX is incorrectly billing me for XXXX service it did not provide. I requested that XXXX terminate my FIOS service starting XX/XX/21, as I was moving out of my apartment. My request was made on XX/XX/21 and I have an email from XXXX confirming service would be disconnected XX/XX/21 and that it would send a final bill reflecting service through the disconnect date ( attached ). However, XXXX is continuing to bill me for service from XX/XX/21 to XX/XX/21 ( attached ). I have repeatedly requested that XXXX provide an updated bill for the time period service was in effect, XX/XX/21 to XX/XX/21, but it has refused. Instead, XXXX is seeking to collect monies for services it never provided from XX/XX/21 to XX/XX/21. When I initially cancelled the service on XX/XX/21, the XXXX XXXX said I would need to wait a billing cycle for an updated bill reflecting service through only the disconnect date, as XXXX bills a month in advance, but I never received one. 

XXXX has now referred this matter to collection agencies and has reported the collections matter to the credit bureaus.

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 2022-06-09
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # 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 reporting agency can not furnish a account without my written instructions

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 2017-04-26
Company: CHECK INTO CASH INC.
State: NJ
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:
When I called to inquire about the  XXXX   XXXX  debt from  2012  the individual started asking me questions about the debt. I explained that we paid the  XXXX   XXXX  bill and proved it to the collector years ago, she then hung up the phone on me. Unfortunately it 's still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: NV
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:
The credit bureasus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Also I have multiple collections on my report when The Fair Debt Collection Practices Act makes it illegal for debt collectors to harass or threaten you when trying to collect on a debt. This grounds for removal they also violated my rights under 15 U.S. C. 1682 Section 602A section 2 Statees I have the right to privacy 15 U.S.C 1681 Section 604A also States a consumer reporting agency Can not furnish a account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation.

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 2019-04-16
Company: Creditrepair.com, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I was a client for 4 months at {$100.00} per month, Was not getting results. I called to cancel. They agreed to let the dispute letters outstanding work through and offered no monthly fee for 2 months. 
Then they charged my credit card {$59.00} on XX/XX/2019. 

I want to cancel my account and a refund of the {$59.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-26
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 filed a complaint with equifax on  or around 2015 r egarding incorrect information appearing on a credit report involving  XXXX . It was reported back to me that this case was incorrect and would be closed with no consequence to my credit. and all reporting would be updated. This is Still showing up on credit reports. The la st one I looked at was with   XXXX   XXXX   and it shows as a collection. This is incorrect and needs to be updated as it is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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 am a victim of identity theft and have a current police report on file with Chex Systems. The following Reported Information, inquiries viewed by others, and by me, currently listed on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized, and not my checking account or inquiries : XXXX XXXX XXXX XXXX, Account Number : XXXX, Balance XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XX/XX/2022, and XXXX XXXX XXXX XXXX XX/XX/2022.

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 2022-09-27
Company: Resurgent Capital Services L.P.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX acct # XXXX amount {$220.00} was removed from my credit report in XX/XX/2022 after I hired an attorney to validate, pay off and clear up in valid debt that needed to be clear, this account was disputed and removed due to FRAUD XX/XX/2022 of this year. As of XX/XX/2022 this account was sold to LVNV FUNDING LLC Acct # XXXX {$220.00} and added back to my credit report. This account is fraud. I've never done any type of business with any of these companies and I don't owe this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: TX
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 was the victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00} ; XXXX XXXX Balance {$150.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance {$430.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$580.00} ; XXXX XXXX XXXX Balance {$900.00} ; XXXX & XXXX XXXX Balance {$180.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$240.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4700.00} XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX XXXX Balance {$3600.00} ; XXXX XXXX XXXXOpened XXXX XXXX, XXXX Balance {$260.00} XXXX XXXX XXXX XXXX XXXX  XXX Opened XXXX. XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$200.00} ; XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX Inquiry Date XXXX. XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXXInquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date 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 non-monetary relief
Consumer complaint received 2022-08-01
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like for XXXX XXXX XXXX XXXX to show proof of verification that I owe them {$82.00} with ACCOUNT XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now. In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.

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