BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: AZ
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 am sending this complaint to inform you that I am a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 

Here are the list of the accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Paramount Recovery Systems, L.P.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX  Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Hollis Cobb Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call from PATIENTS ACCOUNTS BUREAU on XX/XX/2022 at XXXX and on XX/XX/2022 at XXXX. Today, this company called me and stated they were attempting to collect a debt. The person who called me was named XXXX. Pursuant to XXXX XXXX XXXX, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX 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 non-monetary relief
Consumer complaint received 2021-08-23
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Regarding case not miner : XXXX Im not the third party I am the consumer asking for the information 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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX FUNDING ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXXXXXX

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 2017-03-01
Company: Law Offices of Timothy M. Sullivan
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I contacted the Offices of Timothy & Sullivan on today XX/XX/2017, to settle a past due debt that I have. I was advised that XXXX ( Provided no last name ) was assigned to my case. I spoke with XXXX, he refused to accept my offer, he also refuse to sent my request to their client. I advised XXXX since he refused that I will make other arrangements to pay the account. I then contacted the paralegal who was handling the account, XXXX who was every kind and helpful. After ending my call with XXXX I received a call back from XXXX asking ( more confirming ) my employer, my work number phone number. He then threatened to send a wage garnishment to my employer. I advised XXXX that I was working with XXXX, he spoke over me in a very rude and unprofessional tone. I eventually had to hang up the phone as he was being very disrespectful and demanding I pay the account today. I then realized that XXXX contact me on my work phone. I request the Offices of Timothy & Sullivan not contact me AT ALL. Any communication be sent via mail or from XXXX directly.

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 2021-10-03
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
id thief using my credit history to take over my good credit repot and score cant get to dispute centers on because thief has locked me out of them shows only 5 same accounts on all 3 credit reports is taking names off XXXX report to just one name when i do business with 2 other legal variations of my name that i use for applying for credit has changed passwords numerous times which locks me out completely then i have take more time to mail information to credit bureaus while the id thief can quickly do them online i dont get any satisfaction to my complaints only more whittled down credit reports

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 2017-01-27
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My XX/XX/XXXX mortgage statements if payment is received after XX/XX/XXXX a XXXX late fee will be charged. my payment was sent by express mail on XX/XX/XXXX and delivery was attempted at XXXX on XX/XX/XXXX the attached document shows. 
my payment was there before the designated day and I was still charged a late charge

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 2022-02-23
Company: T.S. Holdings
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This company continues to report inaccurate information concerning a property I once occupied. I have attempted to resolve this misinformation with the company and its agents, however I have been met with total disregard, dismissive and threatening language suggesting they will continue the assault on my credit until I pay the outrageous unjustified amount of money that I do not owe. I have contacted the property manager who was also the manager when I lived there, I was told I dont have a remaining balance due, I also reached out to the Property Management Company who reported there are no current nor past debts with my name, unit number or Social Security number. I have and continue to suffer from homeless insecurities because of this inaccurate reporting. I need help fighting this company that seems to enjoy being malicious and playing god with the lives of others. I believe there are others and if they have suffered the emotional pain and constant fear of object homelessness I suffer from this company, something needs to change. Their perceived power needs to be met with enforcement of our government protection agencies. Im helpless against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: International Computer Systems, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX XXXX and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When trying to make a payment online via website of Freedom Mortgage there is an " error on payment. '' Valid payment information was entered and was entered before the due date. I believe Freedom Mortgage does this intentionally to take advantage of consumers and extract additional late fees from them.

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 2019-10-21
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I purchased a mattress a Sam 's Club in XX/XX/2019 for {$640.00} that had a XXXX promotion of interest free for 24 months. I would not have made the purchase if it were not for the interest free for 24 months. Synchrony Bank, the issuer of the card has applied the majority of my payments to the promotion and it is almost paid off in 4 months. I have called them 4 times to reallocate the payment that went to the promotion. On the 4th call I was told to call back after the XXXX the was when the statement ends. I did call the on the XX/XX/XXXX and was told they could not reallocate my payments. 
Now the balance on my card is much higher ( over {$1200.00} ) and accruing interest to Synchrony. 
If the payments were applied fairly my balance on regular charges would {$460.00} lower and the promotion would be {$460.00} higher but not a problem since I have 24 months to pay it off. 
I value my credit and this is a hardship for me to pay my credit card off in order not to pay unfair interest.

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 2022-02-23
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROMMY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
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: Was not notified of investigation status or results

Complaint:
Information sent in to credit bureau on XX/XX/2021. The bureau has yet to respond or take action in removing the items from my 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 2021-11-26
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: Was not notified of investigation status or results

Complaint:
XXXX, EQUIFAX and XXXX are in violation of the law for reporting fraudulent and misleading information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EQUIFAX, 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:
Medical office keeps indicating that I have a new bill that I dont owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EQUIFAX, INC.
State: IL
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
southwest credit system LPDescription of Complaint : Although this account was in dispute I made an attempt to pay the original lender and have this account removed from my credit report, they referred me back to the collection agency and said its up to them. After contacting Southwest credit sys a collection agency that report to all credit angency. I was told by XXXX XXXX XXXX and other employees of Southweast credit sys that they could not delete this account from my credit report because of company policy and federal laws although I paid the account in full on XX/XX/2015. I have disputed this account from the very beginning and I have not yet as of today received a certified letter from either company concerning this account. I do n't believe what their saying is true. In dealing with another collection angency they had no problems deleting the account after receiving a letter from me requesting it. Mine you both companies are dealing with me in the state of Texas. I 'm looking for help in this situation please. I feel this type of practice is unfair to the consumers. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a collections account from XXXX apartments that I have no knowledge of. I had a lease that was satisfied at the end as per the contract. A coupl months went by and then I received a notice I was in collections for XXXX. I have no idea what it 's for, never received an invoice phone call or any communication stating they felt I owed them anything. I spoke to them via texts which I still have, I spoke in person when I turned over the key, I had no knowledge or chance to pay the debt had I felt it a reasonable debt belonging to me. I have suffered financially due to higher interest rates and it being able to obtain credit for things I may have been able to because of the actions of the company. I think they are in violation of fdcpa section XXXX ( b ) failing to validate the debt

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 2015-03-24
Company: Receivable Recovery Services, LLC
State: LA
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 CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
MAJOR SECURITY BREACH by BMO Harris Bank- received my IRA statement Form 5498 along, with my statement was another individuals statement with last 4 of the soc sec # and account balances and account numbers, Home address. Upon contacting BMO Harris on X/XX/17,  concerned about Identity theft they had no process in place or what appeared to be a plan. Asked me to shred the other person documents, and that they were sending out a new statement with the corrected info. They offered credit bureau monitoring. No mention of identity theft protection which is what would be needed in this scenario, XXXX accounts impacted, this is worth a visit from the CFPB to the BMO Harris and some government fines.

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 2022-02-23
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: CONTRACT CALLERS INC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received a phone call from ( XXXX ) XXXX. The caller said they were with a company named Contract Callers , Inc., on a recorded line, and they had a personal matter to discuss with ( My Name ). First, they would need my personal address to discuss any further. I declined providing personal information unless she provided employee name, employer address, and telephone number in accordance with the FTC 's Fair Debt Collections Act. She simply said she was not going to provide this information and the phone number is on caller ID. I, again, declined to provide sensitive information until she provide the information. She said she was noting that I declined to verify and could not longer proceed further with phone call. I agreed and she hung up. I proceeded to research the company. I found out the company has made fraudulent attempts in the past.

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