BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-29
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom It May Concern:

   As You Can See My History With Debt Collectors Thru CFPB Whom Continue To Try To
Collect On A  $XXXX  Medical Debt, That I Can Prove That I Do Not Owe.
This Is The "Fourth"  Time That Debt Collectors Have Tried To Disturb My Credit Report,
With The Same False Medical Bill.
I Do Consider This  Continued Harassment To Try And Protect My Credit Report From
Debt Collectors. Is There Anything Legally I Am Able To Do To Prevent This On Going,
Non-validated Harassment? 
They Have Flagged My Account Once Again......


The New Debt Collector For This Year Is   PARAMOUNT RECOVERY
They Have Placed A Derogatory Mark  On My XXXX  And XXXX Accounts

PARAMOUNT RECOVERY SYS XXXXXXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: The CMI Group, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit report is showing that I owe {$780.00} from XX/XX/XXXX. I never had service with XXXX XXXX at all during that time nor the previous year. Also, they will not validate the debt. It was just thrown on my credit report with no prior notice. I tried to dispute the charge with no success. I contacted XXXX in early XX/XX/XXXX when I got an alert from XXXX that a collection has been added to my account and they instructed me to contact Credit Management LP because they do not have any information but the debt collection agency would not provide any details. Now it keeps reporting every week on my credit report like it is a new debt. My score has dropped from XXXX to a XXXX because of this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-30
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove this fraudulent accounts : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, and AXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again.

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 2022-04-24
Company: EQUIFAX, INC.
State: LA
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 XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Mercedes Benz Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
on XX/XX/23 I spoke XXXX XXXX a sales consultant at Mercedes Benz of XXXX he sent me a picture of what looks to be a contract with what would be my numbers he specifically said pending credit approval, they ran my credit multiple times again with out me knowing exactly how many times just to tell me that unfortunately the bank 's did not give me an approval, their advertising states that everyone can get approve, I have been lied to and cheated on with their scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section 2. it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card card account under an open end consumer credit plan as late for any reason

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 2022-06-07
Company: Maximus Education, LLC dba Aidvantage
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This loan was purchased by aidvantage from XXXX, not only is the information in their system completely wrong, but these loans were in an income based repayment plan that would have the remainder discharged after making a set number of on time payments every single month for YEARS. Now that this company has the loans they have changed it to a graduated repayment plan and can not provide ANY documentation on this change. This was not authorized, or known to me. They changed the repayment plan and can not show me proof of my enrollment in this program.These loans also were to be discharged per the XXXX  lawsuit, as they met all criteria but now Aidvantage bought them? As well, there was absolutely no accommodations made for my time in XXXX XXXX or while XXXX. The loans ( for some reason they are split into 3 ) continued to accrue interest while i was XXXX, and even reported late month after month while i was XXXX  in a XXXX XXXX. The balance they are reporting is several thousands of dollars higher than the balance actually is, and continues to increase despite monthly payments being made. 
The plan i have had my loans on for years would have qualified my loans for discharge under the latest biden administration act, but now that aidvantage has taken it upon themselves to alter my payment plans they no longer qualify for discharge BECAUSE OF THIS. 
We have had to retain an attorney because we have gotten nowhere with this company. 2 hours on the phone yesterday with a representative that had no idea how to answer the most basic of questions, and then hung up on when i was being " transferred '' to the military department. My information is wrong in their accounts, my name is wrong, the balance is wrong, the payment history is wrong, the payment terms are wrong, and there is nobody to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Names : XXXX XXXX XXXX, XXXX XXXX XXXX Address:XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account : XXXX/XXXX  XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, W2, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these items are inadvertently resulting in me being extorted.

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 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Public record information inaccurate

Complaint:
On XX/XX/XXXX, I was sent an email from XXXX saying that I was denied because I had a criminal record. 
I was told to call Transunion, so I did. When I did - the gentleman that I spoke to said they wouldnt give that information out.

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 2022-06-29
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: Information belongs to someone else

Complaint:
i get back a bad response i asked that they provide me with info on when these inquiries wrere made by me and they respond with XXXX that dates are wrong on XXXX XXXX XXXX of requestXXXX  Account nameXXXX XXXX XXXXDate of requestXXXX Account nameXXXX & XXXX XXXXDate of requestXXXX Account nameXXXX XXXX XXXXDate of requesXXXX Account nameXXXX XXXX  XXXX XXXX XXXXDate of requestXXXX Account nameXXXX XXXX XXXX XXXXDate of requestXXXX Account nameXXXX XXXXXXXXDate of requestXXXX Account nameXXXX XXXX XXXXIDate of requestXXXX Account nameXXXX XXXX XXXXDate of requestXXXX Account nameXXXX XXXX XXXXDate of requestXXXX Account nameXXXX XXXXDate of requestXXXX Account nameXXXXDate of requestXXXX Account nameXXXX  XXXX XXXXDate of requestXXXX Account nameXXXX XXXXDate of requestXXXX Account nameXXXX XXXX and nothing was corrected like i asked for prove to me when i made these inquirys please

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 2022-06-29
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
The company is reporting multiple unverified alleged bankruptcies on my consumer report. Ive called multiple times to have them removed and they are not. They are also sharing my information with the credit bureaus in which I froze my account. The credit bureaus now have this inaccurate information which is now reporting on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Credit Karma, LLC
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I never tried to call and fix issue because i thought maybe it was just mistake but I never realized every time this was hurting my credit score, I also did understand why I kept getting offers stating I had outstanding chance to be approved then I'm denied and credit score goes down horribly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: EQUIFAX, 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: Account information incorrect

Complaint:
My student loans are paid off but is still showing a balance on my credit report which is making it hard to get a mortgage loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act these accounts have violated my rights. 

Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Opened : XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$170000.00} 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: LoanCare, LLC
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. LOANCARE SERVICING C XXXX was reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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 2023-08-31
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I received a letter in the mail that I had opened a checking account in my name. I did try to contact the fraud department and the lady acted like she couldnt hear me. I did not open this account and need it closed immediately. I am pursuing identity theft protection and legal actions. And my credit report had to be accessed as well as XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
My student loans are paid off but is still showing a balance on my credit report which is making it hard to get a mortgage loan

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 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Wrote a dispute letter on XX/XX/2022 to Transunion, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  I requested they verify the accounts with errors on my credit report. I asked for a copy of my report with the results of the dispute. I have not heard anything or been provided any proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian is reporting a wrong address to my credit. The wrong address is XXXX XXXX XXXX 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 2023-08-05
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: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-08-31
Company: U.S. BANCORP
State: CA
Product: Credit 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 applied for a a Union Bank XXXX credit card that was 0 % interest rate for 18 billing cycles. My first billing cycle was XX/XX/2022. Union bank then got acquired by US Bank. I received the card and this billing cycle, I received my statement that I was charged interest. It has only been 13 billing cycles. I called US Bank and the representative told me that interest rates are variable and they are allowed to change terms whenever they want. They also told me I had no recourse.

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 2023-10-05
Company: TRANSWORLD SYSTEMS INC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This morning, XXXX, I received notice through XXXX that I had a collection put on my credit report. Upon logging into XXXX I found an outstanding debt to XXXX XXXX and the collection agency, Transworld Systems , Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX XXXX, had attached a collection to my credit report. I have never lived a day in Texas, and have no family there. This is clearly fraudulent activity. 

I have had my credit frozen for several years so it is clear this energy company is not doing their due diligence to check credit reports or they would have seen my credit is frozen and they would have known not to open utilities in the thief in my name.

Company response to consumer: Closed with explanation