BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-14
Company: Automatic Data Processing, Inc.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I hired ADP to process my organization payroll and they made several tremendous deductions errors from my account in XXXX and did not correct the error until XXXX of XXXX. This caused a delay for me filing my personal taxes, I was assed late fee of from the IRS {$600.00} dollars. I was informed that ADP would reimburse me for any late fees and have yet to receive my check. They had the nerve to invoice for a {$3000.00} error made on their part. If my accountant did not reconcile my accounts someone from ADP would have walked away scott free. I have been corresponding with a representative and I keep getting the run around. I asked to speak to a manager and each time I never get a response. Today is XX/XX/XXXX, I called the representative and her attitude was extremely inappropriate. She stated that the check was mailed and said they have to stop and replace the check and its going to be a few weeks before they reissue a new check. This has been their answer for months. When I asked to speak to someone higher than her manager she said they would call me on XXXX XXXX. Today has come and it is XXXX Eastern time. I have exhausted all my options with this company. I want to file a law suite against this company and exposed them for their incompetence.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Transunion about inaccuracies on my report since XXXX 2017. I have sent letters, called in and I have yet to receive any updates or responses back. I recently called in and spoke with a supervisor and he was very abrupt and not willing to assist me with my issue. There are several inquiries as well as payments posting inaccurate. He kept cutting me off and saying that there is nothing wrong when I am telling him there is. There were wrong addresses, names and other things. I want this removed from my report immediately as this is unfair and they are reporting bad 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 explanation
Consumer complaint received 2017-07-24
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Accounts - XXXX, XXXX, XXXX were closed due to identify theft but for some reason they are still in XXXX XXXX XXXX XXXX XXXX and they keep harassing me over it. Called XXXX and Enhanced Recovery Solutions said they could not talk to me about accounts. Just want these taken care of and proof that they were taken care of. Also Verified that there were taken care of over 2 years ago with XXXX XXXX XXXX but due to lack off communication they stayed open through 3rd party collectiuons.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Convergent Resources, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I mailed a letter to this collection company disputing that I opened an account with XXXX XXXX. I have used Prepaid XXXX XXXX for over 15+ years. I requested validation of this debt as well as told them it was fraudulent as it was not me. I do not own ANY PHONES or SERVICES with a XXXX XXXX account and to not post any negative marks to my credit reports for a debt I do not owe, and that it is a violation of the fRCA & the FDCPA ( Fair Credit Reporting Act & Fair Debt Collection Practices Act ) but, however they did just that! They reported this erroneous unvalidated debt to all three credit reporting agencies and this debt does NOT BELONG TO ME. 

I am hereby filing a formal complaint with you! 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 attempted several times to rectify my issue with XXXX  and Transunion regarding a collection account that is showing open from collection agency XXXX XXXX account # XXXX with a balanced owed of {$780.00} when in fact it has been paid. I tried contacting the collection agency but all I get is very rude and bad customer service to the point where it up with me hanging up on them. I submitted disputes with XXXX  and Transunion and after receiving their investigation report the problem was not resolved, I ended up calling both companies to speak with a representative and asked why the item was not updated correctly. I advised them that they are required to report accurate information and that if they did fix the problem that I would file a complaint. They stated that they are going off of what the collection agency is telling them and which is correct. I told them absolutely not and that they need to correct this immediately and it's just been very irritating going in circles. I am enclosing documentation to support my dispute.

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 2020-01-02
Company: Klima, Peters & Daly, P.A.
State: MD
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:
OLD AND INCORRECT INFORMATION WRONG ACCOUNT BALANCES THAT I HAVE PAID. THEY USE XXXX XXXX IS ALSO REPORTING A {$900.00} BALANCE XXXX XXXX CREDIT REPORTING IS WRONG AND SHOULD BE REMOVED OVER SEVEN YEARS OLD. INCORRECTLY REPORTING {$900.00} I PAID XXXX. SOMETHING IS VERY WRONG HERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a credit monitoring alert via XXXX XXXX regarding a Collection Account that was placed on my credit reports by SEQUIUM ASSET SOLUTIONS. I immediately researched this name and contacted the company by phone. They told me that this was placed with them for collection by XXXX XXXX for a XXXX   XXXX bill. Their representative told me that they've had the account placed with them since XX/XX/2019 and that the address on the account was someplace in New York. She also said it looked like a pretty obvious case of identity theft. 

She gave me a URL to follow in order to file an identity theft claim with XXXX XXXX. When I reviewed the materials after hanging up I discovered that they want me to prepare a notarized statement and file a police report with my local police department. I am not going to do this. These requirements are onerous, punitive and frankly ridiculous. Local law enforcement has no jurisdiction over, nor interest in an act of consumer fraud committed in New York. Their resources should not be diverted away from protecting the local community just so the idiots at XXXX and Sequium can have a piece of paper to cover their mistakes. 

I am a victim of XXXX XXXX poor account verification procedures and of Sequium 's  violation of the Fair Debt Collection Practices Act. Both parties should be severely penalized for what I consider to be gross corporate misconduct. 

I have resided at the same address in South Florida for 25 years. If XXXX XXXX ( whoever THEY are ) performed even the most cursory review before opening this account, they would have known that this wasn't me. Had Sequium Asset Solutions done the same upon receiving the account they would also have known immediately that this is not my debt. They did NOT contact me to verify the debt as required by law. I contacted them when I learned about the reporting. Instead, they maliciously reported negative information causing severe damage to my financial standing via a XXXX point drop in my credit score. In 60 years I have never had a single late payment, much less a default, so I do not take this lightly. 



Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: ID Analytics, 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:
I have received a credit card bill XXXX XXXX, although I've never had a card from XXXX XXXX, I checked my credit an more accounts were showing in my credit therefor I have noted them  in this report to dispute them, these accounts below do not belong to me an are fraudulent. I have attach my id to proof my identity in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Innovis
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:
I have received a credit card bill XXXX XXXX, although I've never had a card from XXXX XXXX, I checked my credit an more accounts were showing in my credit therefor I have noted them in this report to dispute them, these accounts below do not belong to me an are fraudulent. I have attach my id to proof my identity in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: EQUIFAX, 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Experian Information Solutions Inc.
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 am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA 's. On XX/XX/2019, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-06
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-10-06
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I received a notice on my credit report that I owed {$1300.00} to Phoenix Financial Service. Original date was XX/XX/2020. Due to my XXXX I often fainted at work, or was incoherent or confused, and would be taken to the hospital without my consent, however I do not remember being taken by ambulance to the hospital. I do believe this charge is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: EQUIFAX, INC.
State: AL
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:
XXXX reported a collection to the 3 credit bureaus. I am not sure that collection is mine, however I did pay the collection and have attached a receipt showing it was paid on XXXX. The collection company told me ( See attached letter ) that they will remove the collection off of my credit report. As of today, the collection not only shows on my credit report, but also still shows the balance as not paid ( See attached paperwork ). This should have been removed and updated as paid but still has not been done. I have contacted XXXX about this and they stated I need to have the credit bureaus remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2021-07-23
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
American Account Advisors has violated my consumer rights and has committed mail fraud and identity define, pursuant to 18USC 1341 and 15USC1681q ( 3 ). American Account Advisors isn't a creditor doesn't fall under a creditor per 1692a ( 4 ) .It is a fact that American Accounts Advisors is a collection agency and not a creditor, therefore they can ' extend credit to me, nor validate creditor foe me, as I'm the natural and original creditor. Meaning I owe American Account Advisors nothing and they don't have any right to demand payment from me. 

They proceed to violate my consumer right six times by listing six different accounts on my profile and sharing them with the reporting agencies XXXX, XXXX, and XXXX. They shared my personal identifying information with the agencies listed above to tarnish my repuation. This is fraud as I'm the natural person XXXX XXXX the consumer and original creditor of my social security number. 

They're acting as a creditor and consumer by using my ( XXXX XXXX ) identifying information and sharing it with the agencies listed above, and validating debt as if they're in fact XXXX XXXX. 

I will pursue criminal and civil charges on a federal level and local in the state of Minnesota, if this issue isn't solved. Their actions weren't legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: MNS & Associates LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a phone call that I knew was a scam. The following is the transcript of that call Hello this message is intended to reach XXXX XXXX I a.m. calling today in regards to an asset verification and also to confirm your address as the primary residence of occupancy for XXXX XXXX I was forwarded documentation that does verify name in for a security number in regards to this process for enforceable review please be advised requesting for him sign for it and respond to a required demand notice and before I go ahead and begin the scheduling of this document so I wanted to inform you that this process is being expedited and should commence within the next 24 to 48 hours now at this point in time any questions regarding this matter you make contact and advisor directly at XXXX and you will also need to reference the file number XXXX otherwise fire to contact him the result in further determination is being made applicable to all state and federal guidelines you have now been officially notified

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Despite my frequent attempts to correct or remove in accurate information on all three CR is they continue to report state and federal tax liens that do not properly show my information and that I do not recognize.As of XX/XX/2017 the law states that the most accurately show all four points of information in each file or remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX continues to report inaccurate information regarding my credit file. XXXX XXXX is reporting current up to date accounts as potentially negative accounts. 

XXXX XXXX reported a 38 delinquent account when the accounts are paid and no longer reportable on my credit report. 

XXXX XXXX continues to report accounts that have been charged off, and accounts that are business accounts are being reported on my personal account. 

XXXX XXXX continues to report soft hits as hard hits, and duplicated information causing damages and denial of mortgage approval and other accounts. 

XXXX XXXX continues to report inaccurate information after receiving a 30 day notification to correct any and all inaccuracy within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Hello, I am desperately trying to clear up student loan issues with Navient. They have me taking out loans at XXXX XXXX XXXX, where I have NEVER taken courses from. There are 4 loans in the following amounts paid to XXXX XXXX XXXX. in my name : 1 ) {$11000.00} 2 ) XXXX 3 ) {$17000.00} 4 ) {$30000.00} My credit score has been very affected by this and I'm trying so hard to be able to get my official student loans in a place where I can manage paying them back. 
Also, in 2012, ten years ago, I submitted all of my Teacher  Loan Forgiveness signed forms and have been fighting ever since them to get the releif from my years of teaching service in very low performing schools. 
Currently, I am working in a very low performing school in XXXX Public Schools as a XXXX XXXX. XXXX, trying to organize a way to pay back my loans and with the hopes of getting a portion of them forgiven, however, all of the above loans are to a Univ. that I have NEVER attended. I would appreciate it if you could please investigate this and help me to resolve this matter. I have nothing from this Univ. on my transcripts and can request them to be sent to you if needed. 
Please contact me and help me to resolve this issue please! 
Thank you, XXXX XXXX Former Names ( XXXX XXXX, XXXX and XXXX ) SS ... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Transunion displays innacurrate employer information on report i do not work for XXXX XXXX. I work for XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
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 information incorrect

Complaint:
XXXX repeatedly and deliberately put profits ahead of its borrowers it engaged in deceptive and abusive practices, targeted students who it knew would struggle to pay loans back, and placed an unfair burden on people trying to improve their lives through education

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