BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To Equifax Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. Account Number : XXXX Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I noticed a few accounts on my report I do not recognize

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 2022-06-19
Company: Professional Debt Mediation, 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:
I contacted Professional Debt Mediation via certified mail in XX/XX/XXXX to inform them that they are in violation of the Fair Credit Reporting Act by listing the debt as an open balance and public information without my consent. I also challenged them to validate the amount of XXXX and the validation letter I received was incomplete and inconclusive due to the fact that rental ledger I received from them only listed rental charges beginning in XXXX XXXX in the amount of XXXX. There is no ledger listed from XX/XX/XXXX ( the first day of the rental ). Also, in the rental agreement XXXX XXXX is listed a my nearest relative. This is inaccurate/false because the handwriting is not mine. This complaint is based on inaccuracies and lack of full disclosure which violates FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was opened by some fraudsters and I went into XXXX Stores in order to return the phones since I was able to intercept them at my home. I have called their offices as well and have tried to return the phone via mail and footing the bill of the mailing in order to clear all the situation. I was played by some time and did not get the appropriate response from the company since I was placing all my goodwill in order to solve this issue. I did not order this phones and it was the result of an Identity Theft. I was sent to collections wrongfully and know when trying to buy a home I found that this item is dinging my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Dept Of EdXXXX has been disputed and could not verify that the debt belongs to me therefore XXXX deleted the account. However, Transunion and XXXX are still reporting this account on my consumer report. I have attached a screen shot of my current consumer report via MyFICO showing the deletion of the account. I request that Transunion and XXXX update my consumer report as well 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 non-monetary relief
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I noticed a few accounts on my report I do not recognize

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 2017-11-24
Company: Kramer & Frank, P.C.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive a garnishment from Kramer and Frank for {$7400.00}. The judgement from XXXX/XXXX/09 with original judgement amount {$4300.00}. It stated that XXXX XXXX is the creditor and I havent ever had account with XXXX XXXX, I dont even know what type of creditor XXXX is. I dont think that this is my account. I contacted Kramer and Frank and they refuse to give me any information on this. And another thing why did it take them 8 years to contact me I have been in the same position for the last 10 years at XXXX XXXX and they tacked on 8 years of interest. This judgement is in my maiden name XXXX and I havent use that name in over 15 years. I am not sure what type of account this is but the statue of limitations should be up on this. I would like a refund for the money taken out of my pay check. I really need your help on this, because something is not right here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The issue on my credit report is that it shows I have 2 accounts open for XXXX  XXXX  XXXX XXXX store and 2 different account numbers which I dont. I only have 1 account. I called XXXX XXXX and they said yes I only have one account yet on my report shows 2, one is current one shows delinquent one of them shows XXXX credit limit another shows XXXX. I last paid {$70.00} for my account in XX/XX/2020. The other acct shows {$40.00} paid XXXX? Not sure why. Also a XXXX  rep set my payment to be paid late monthly and I been getting charged late fees. I specifically asked to set auto pay a week before due date.

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 2022-06-19
Company: OPORTUN FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/XXXX came across this agency in a strip mall and on the window printed it stated can receive Fast affordable personal loans any types of credit and to build a better credit future, credit scores from XXXX or no credit scores. I decided to submit application online due to office was closed until XX/XX/XXXX at XXXX. Online offer prequalify for loan and submitted application, it came back that I prequalified for the loan, asked for my personal income and other information and after submitted it stated qualified for up to {$12000.00} in bi weekly or monthly payment. I looked at fine print stated that secured vehicle loan and after review closed website, received two phone calls from foreign accents contact me and stated was approved for loan and advised needed to transfer to another department for vehicle information, asked csr rep why was this approved and now asking for a vehicle for colleteral and it states no credit score or XXXX scores with guaranteed approval. then asked what is the percentage of black/african american applicants approved for this loan and that this false advertisement is only marketed to a certain race group within the community. The csr then advised she would cancel my application and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: FEDChex Recovery, LLC
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have attempted to contact XXXX XXXX to dispute the charges that they sent to collections. XXXX XXXX has a single phone number for a very large company. The phone number has never worked. There is no email available. The company, along with my charges, appears to be fraudulent. 

I have also been in contact with FCR Collection Services. I have called twice to ensure that my account remains in disputed status. I sent a letter via certified mail, to dispute this claim on XXXX XX/XX/2020.

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 2022-02-22
Company: Westlake Services, LLC
State: DE
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:
Submitted a complaint demanding for a debt validation letter from westlake financial and was sent a deceptive contract with wrong address, license number also incorrect balance. i previously asked them to remove this account due to identity theft which i sent certified letters and i am uploading receipt to this complaint that i also sent to CRA 's with ftc form attached. I am uploading documents which shows inaccurate information being reported they have a address listed in which i never lived but on the CRA 's it is listed totally different in which i can not dispute because it is blocked by westlake financial. I will upload current license in which i have lived for 8 years I am demanding this account be deleted immediately. I am now sending a cease and desist and expecting all remedies be invoked

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: Stuart-Lippman and Associates, Inc
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was contacted by a Debt Collection Company on a debt against me and my company. I asked several times for them to send me proof of Debt, Itemized debt ... I was then submitted a letter saying if I refused to comply within 48 hrs I would be subject of an investigation of my personal bank accounts and property. After speaking with this very rude individual by phone and email. I stated that I would need any further documents by mail only. He continued to email me several times and call my work phone throughout the day. I informed him that I was familiar with FDCA and he would need to contact me by mail, with proof of debt. he continued the harassing by phone and email.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted Transunion to have a negative report removed from my credit report. The reason it was on my account is because it is my fathers debt, and we share the exact same name. Due to our sharing the same name and address, they refused to remove the report, even though it 's from a debt on an account that was opened when I was XXXX years old. After I called them to try and rectify the situation, I was directed to a XXXX call-center, where the worker hung up on me after receiving my case number. Now there 's nothing I can do about this fraudulent charge that was a mistake on the part of Transunion and XXXX XXXX XXXX without hiring an attorney over a {$130.00} charge from XXXX years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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: Account information incorrect

Complaint:
Based on 15 US Code 1681, the banking system is dependent upon fair and accurate reporting of my credit. Unfair credit reporting by you has caused me to lose confidence in the banking system, making me not want to extend my credit to anyone. 
Pursuant to 15 US Code 1692 ( a ), there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. These practices have been detrimental to my life. I have lost out on job opportunities. This has caused lost wages for me. This has caused physical stress on my body, having to work harder physically in order to maintain financial matters. This has caused mental anguish for me, especially during the times of my parents passing. Lacking the funds to properly burry my parents has been the absolute worst, and your inaccurate and unfair reporting has contributed to this. 
Based on 15 U.S. Code 1681 ( a ) ( 4 ), I, the consumer, have a right to privacy. Equifax has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. 
All consumer reporting agencies must follow reasonable procedures pursuant to 15 U.S. Code 1681 ( b ). Reasonable procedures were not followed by Equifax and this is a violation of 15 U.S. Code 1681 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over the last 9 months, I've received hundreds of calls from this company using several different numbers to try and collect on some kind of debt. However I don't have any unsettled debts. Some of the phone numbers they have called from are : XXXX, XXXX, XXXX, XXXX, XXXX. They have violated multiple rules, calling before XXXX XXXX, calling from multiple numbers many times on the same day. My phone number is on the do-not-call registry. They ask for someone named XXXX, and I've explained I am not that person, nor do I know that person and to remove my number. They have continued calling, despite this. I have never done business with this company, nor have I given them permission to call me. I have informed them that I'm on the do-not-call registry and warned them that they are violating the law in calling me, but they persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: MI
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 had a credit card account with XXXX XXXX that was opened XX/XX/XXXX. I used this account while in college and my grandfather was a co-signer on the account. In XXXX, my credit card expired and a new card was never re-activated. Unknowingly to me, there were auto-charges for {$200.00} on the account that were still be executed by XXXX and another company I do not recall. These bills were being sent to my grandfather 's office in XXXX and were being paid. In XXXX, his office was sold after he passed away and a forwarding address was provided for mail that was delivered to that location. These charges were again executed in XX/XX/XXXX and I never received a bill or notice of late payment from XXXX or XXXX XXXX. I found out about the pending charges via a notification from XXXX XXXX that my credit score had reported. I immediately paid the bill in XX/XX/XXXX and closed the account. I then sent a dispute letter to the XXXX XXXX  regarding the charges that were made on an inactive credit card and explaining that I never received a bill or notice of late payment to the forwarding address for my grandfather 's office. To this day, I still have yet to receive correspondence regarding confirmation that the bill was paid, which I requested the day I paid the bill and an additional time I called to follow up. According to XXXX, Equifax and XXXX they have reported the account was closed but continue to report the account balance at {$270.00} ( principal charges and fees ) which I have confirmed is not true. Further, my dispute letter was sent to XXXX XXXX  in XXXX of XXXX and I have yet to receive any response to my dispute to the address I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: Office of Brockman & Rollins, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Multiple issues with the company of Brockman & Rollins. They repeatedly call family members and even my previous employer ( they 've NEVER attempted to contact me directly ) saying that they are trying to reach me to serve papers and that I will be arrested for failure to appear in court ( sharing that information with anyone other than myself is illegal ). They have told every single person that they 've spoken with about how much they claim I owe ( illegal ), and that they need to find me as soon as possible and that someone had shown up to my house that day in an attempt to serve papers and that I was n't home. First of all, a legitimate process server is n't going to call me ahead of time to warn me that they 're coming. Second of all, I had just happened to be home that day and NOBODY had shown up. Period. These people call about every six months for about a week and then stop and they start up again about six months later. They are bullies, they are liars, and they use illegal intimidation tactics in hopes that I will be scared enough to pay them money without questioning it. After researching the company of Brockman & Rollins, I 've discovered that they were previously operating under the name of XXXX XXXX XXXX and that company was shut down due to the fact that it was a debt collection scam " company ''. They think they 're slick, changing their name. The company has been in " business '' for less than a year. It could n't be any more obvious that this is a scam attempting to scare me into paying money on a debt that I do not owe. When I questioned what the debt was for, they could n't provide any answers as to what the debt was for, just that I owed them money. I have never received a Verification of Debt letter from them ( illegal ). These are not the practices of a legitimate debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: U.S. BANCORP
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, We fell behind 3 payments to US Bank XX/XX/2014 shortly after XXXX. It was then suggested that we apply for the " loss mitigation '' program to make a payment plan. It has been 18 months with us falling further and further behind and we are not allowed to make any payments even though we could have started paying months ago. They ask for the same paperwork over and over since by the time they send it to the " processor '' it 's expired. They just told me I need to fill out everything again for the 3rd time and I feel like this is illegal. I just want to pay the mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
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:
In accordance with the Fair Credit Reporting Act XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX have violated my rights. 15USC 1681 section 602 8 states I have the right to privacy, 15USC 1686 section 604a, section 2i also states a consumer reporting agency can not furnish my account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX # XXXX is reporting an account with a balance to my credit report that I do not owe. This account has been paid off and should not be reporting a balance, this is in violation and needs to be removed.

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 2022-06-19
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX paid a medical bill to XXXXXXXX XXXX and on XXXX XXXX received a bill for that debt from paramount recovery. Called them that Monday and let them know it was paid in full. They had email receipt to XXXX It took me a while to get receipt from XXXXXXXX XXXX. Got the receipt from XXXX sent it over to the email provided to paramount on Thursday XX/XX/2022. On XX/XX/XXXX I check my credit and it is listed as a collection again. I have the proof it is paid in full. Thank you for your attention in this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation