BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-31
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is the third company that has tried to collect on this debt. Each time the amount of money they say I owe increases hundreds of dollars. I have contacted XXXX each time someone tries to collect this debt and they say they have no idea that I DO NOT OWE THEM MONEY NOR HAVE I EVER HAD ANY ACCOUNT WITH THEM. they say that they never placed my account for collection. I have sent two validation demand letters to this company demanding that they show me proof that I owe this money, since XXXX themselves have no idea about the debt. The have ignored each request. I have sent a cease and deceit letter and yet they still call me. They had thirty days to provide validation which they refuse to do. I gave them two chances they refused. I sent a letter demanding they stop calling and they said when they called that they do n't have to abide by that letter. They said I owe the money and that they will either sue me for it in Florida forcing me to drive there to defend myself since I live I Ohio or they will press criminal charges against me for fraud and just have me arrested. Everything about this is illegal it violates the Fair Debt Collections Practice Act and the Fair Credit Reporting Act. They are purposefully re aging this account by selling it back and forth so it stay on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: OH
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2017-03-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Hello, I have been a victim of False Impersonation. I have a copy of my police report on file with the XXXX Police Department and I have a case number that I received from the FTC when i registered a claim with as it relates to the fraudulent activity. In addition all XXXX major credit bureaus have a certified copy of my police and a fraud affidavit. With that being said, i was advised to request a Freeze from the credit bureaus to prevent further fraudulent activity. I did for about two years. It was my understanding that no one would be able to access my credit unless i provided them with my access code. I received written confirmation in the mail that my credit file was BLOCKED from all XXXX bureaus. 

However, my complaint is the Equifax said they blocked my file but they still allowed unknown/authorized creditors have access to my credit file and add inquiries to my credit history. I have requested the UNAUTHORIZED inquiries be removed and instead of Equifax investigating and ascertaining the matter they said my investigation was complete after XXXX hours of receiving my dispute ... .. they said Inquiries are factual data??? 
My point is what was the person of my file being blocked if UNAUTHORIZED person/persons still had access to it? 

I am requesting the XXXX inquires be removed from my history XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This item was previously disputed by CFPB ... 
XXXX removed the collection charge of {$260.00} from my XXXX credit report. However, now Enhanced Recovery placed a collection charge on behalf of XXXX for {$260.00}. This item is not a viable item because I returned my device and paid the account in full and provide documentation on the previous complaint # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
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: Their investigation did not fix an error on your report

Complaint:
I provided documentation to Transunion about XXXX XXXX XXXX about an account to be removed from my credit report. Transunion agreed to have this account removed then added it back to my credit report claiming that the account was verified. Even if that was true, someone used my name and info to get an apartment in my name so I am asking Transunion once again to remove this account permanently from my report. I am asking that you correspond with TRANSUNION to resolve this matter because it has been well over 30 days, it has been months that XXXX hasnt responded to this investigation. I originally submitted a complaint dated back to XX/XX/2021 and this account wasn't addressed until the early part of this year. As you can see that XXXX complaint was filed awhile ago. Transunion is the only reporting agency that is reporting this erronious account on my credit report. The statute for the 30 day investigation is far beyond 30 days. Please remove 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 2016-01-23
Company: Cottonwood Financial Ltd.
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Cottonwood Financial sent me a letter dated XXXX/XXXX/16 but they sent it to collections about 2 weeks later, I was never given an opportunity to make arrangements. I received a call from XXXX XXXX XXXX, XXXX of the reps called me a liar. I advised him that I am working with an attorney on several options that may include filing bankruptcy but its not my only which I told Cottonwood Financial and the collection. I do n't know why they sent me a letter dated XXXX/XXXX/16 but sent it to collections 2 weeks later. Why would they do that? The rep at XXXX XXXX XXXX was very rude towards me because I told him I did not know if I could file bankruptcy, he tried to put words in my mouth. One of the options given to me is to pay the company back what I owe them which is {$600.00} and I already gave them {$120.00} so if they will accept the {$470.00}, I will mail them a money order to their corporate address in 3 weeks after this agreement is accepted. This situation is becoming unbearable at this point and I do not want to lose my job over this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: VA
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 convergent outsourcing account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Chapter & Bankruptcy Reference # XXXX have 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized Hard Inquiries on my Experian credit report that I do not recognize by XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX 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 2017-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
There were inaccurate information and inquires that were deleted on my credit report and was reinserted with Transunion last week with no written notification stating that it will be reinserted.

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 2015-04-26
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Debt was initially a XXXX debt from 2011. The debt was reporting owing {$980.00} due to equipment chargers. After contacting XXXX the amount was correct to reflect only {$310.00} owing for the past due bill. Unfortunately the debt was sold to Enhance Recovery. I called the company ( Enhance Recovery ) to settle the debt and ask If settling could have the debt removed. I was informed once the debt was settled I would receive a paid in full letter and ERC would report to the XXXX bureaus to have the information corrected/removed from my credit report. I did receive the Paid in full letter as stated, but my credit report was not updated to reflected paid in full or the derogatory information removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: DISCOVER BANK
State: NY
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 sent complaint several times to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
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:
experian, XXXX cra violation inaccurate infomation i enclosed in my report XXXX and XXXX po report enclosed aslo

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 2015-03-24
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CALLING ME IMMEDIATELY!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: NRA Group, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reference # XXXX National Recovery Debt for XXXX XXXX XXXX in the amount of {$68.00} This is not my debt and I don't even know what this debt is for. I would like to know where this debt came from, how it was acquired/who signed for it, etc.

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 2022-04-21
Company: TekCollect 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:
Tek Collect has ignored my disputes in regards to medical information on my credit report. I never used Tek Collect and they have obtained my personal information and is reporting this on my consumer report.This goes against FCRA and the FDCPA. I don't know or owe Tek Collect anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted XXXX and told them that they were reporting the wrong information on my 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 explanation
Consumer complaint received 2015-09-12
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I received a call from Chase Freedom. They notified me that someone has attempted to open an credit card account using my social security number, name and date of birth. I had not. They cancelled the account. I received the actual cards in the mail a few days later. XXXX says my name, the other a false name, XXXX XXXX. Today I received yet another card from Chase Sapphire, that I did not apply for. I called to notify the company that it is not me. They told me the account was applied for XXXX XXXX, and the name and address was changed to XXXX XXXX on XXXX XXXX. I also have received a letter from XXXX XXXX thanking me for applying for a card and requesting a social number and mailing address from me. I have contacted my bank account and XXXX XXXX to receive a credit report and set up a fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Big Picture Loans, LLC
State: WA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
In XXXX of last year I received an offer in the mail for Castle Payday and was approved for a {$600.00} loan. It did not say anything in there about the 850 % interest rate.I received the funds and now every month since then they are taking out {$140.00} from my account. I have so far paid {$1800.00} on a {$600.00} loan. They have also changed their name now to bigpictureloans.com. I feel they are a predatory lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: KS
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 and convergent accounts has violated my rights ; XXXX XXXX account number ; XXXX XXXX XXXX account number ; XXXX XXXX account number XXXX XXXX account number XXXX XXXX XXXX account number XXXXXXXX XXXX  account XXXX XXXXXXXX XXXX  account number XXXX XXXXXXXX XXXX XXXX account number XXXX XXXX bank account XXXX XXXX 15 u.s.c 1681 section 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 instruction

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have never been late on any payments reporting to my consumer report showing inaccurate 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 2022-07-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have contacted the three major credit reporting bureaus several times in regard to this matter, that being XXXX XXXX XXXX demanding debt validation. They continue send me letters stating it has been verified without providing me proof i.e., a document bearing my signature entering into any agreement with XXXX XXXX XXXX. I am only asking them to do what is required under the Fair Credit Reporting Act, that they provide a document bearing my signature wherein I have agreed to do business with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
They claim this amount due was for a bill incurred during XXXX. However, I have went back many years on my credit and had seen where several collections companies have passed this around. I called and asked if this debt was time barred and they stated they had no idea what that meant and refused to even acknowledge the terminology. I then called the company of who the debt is owed and after much time they determined this debt was from XXXX and written off. Well passed the statue of limitations. The company where debt was owed agreed with me and is sending them a letter to show account balance owed XXXX and they did not hire them to pursue this further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against XXXX XXXX XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Collection agency calls and then quickly hangs up, they have been doing this for the past few months.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation