BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credit bureaus are incorrectly reporting a collection that was posted on my credit score from XXXX XXXX XXXX XXXX ( based on an unjust bill from XXXX XXXX Apartments ). I broke my lease in XXXX of XXXX and only lived there for only 5 months. My apartment was left in the same condition as it was given to me but they charged me {$340.00} for painting, refurbishment fees. They have no proof that the apartment was left in poor condition to warrant this {$340.00} fee nor did I sign an agreement stating that Id be charged this amount from the complex if I leave the apartment in a particular condition. This collection has negatively impacted my credit score and XXXX XXXX XXXX XXXXXXXX stated that they will not delete this collection from my credit report, even though I paid the collection off under duress. Additionally, Transunion, XXXX, & XXXX are still reporting this collection on my credit even though XXXX XXXX XXXX XXXX has no proof of the apartment condition or paperwork that I signed agreeing to pay a particular painting fee. Since XX/XX/XXXX, Ive filed disputes with the credit bureaus and nothing has changed. XXXXXXXX XXXX XXXX XXXXXXXX needs to be held accountable for not deleting an incorrect and fully paid collection from my credit report. The credit bureaus also need to be held accountable for verifying incorrect collections information on my credit score. 

Additionally, XXXX XXXX XXXX XXXXXXXX verbally harassed me over the phone and threatened me to pay the unjust collection or they would sue me and ruin my credit score further! I demand justice for all consumers and will not stand to let XXXXXXXX XXXX XXXX XXXXXXXX continue their manipulative tactics to take advantage of the public! XXXX XXXX XXXX XXXXXXXX needs to be investigated by the Federal Trade Commission for deceptive and unfair business practices.

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 2022-04-16
Company: EQUIFAX, INC.
State: WI
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 for XXXX XXXX, XXXX, XXXX for XXXX XXXX XXXX, XXXX for XXXX XXXX XXXXXXXX B, XXXX XXXX XXXX reference number XXXX, XXXX for XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX wisconsin XXXX XXXX number # XXXX XXXX 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 2020-04-19
Company: NRA Group, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National Recovery Agency, XXXX XXXX XXXX, XXXX, PA-XXXX asked me to pay a debt of XXXX XXXX XXXX-XXXX bill of {$1600.00} ( NRA ID # XXXX ) which I did not owe as XXXX XXXX XXXX-XXXX did not file their claim with my insurance carrier XXXX XXXX XXXX  on time. I already mentioned this fact to them on XX/XX/XXXX but without my knowledge they WRONGFULLY, UNJUSTLY, UNFAIRLY put it on my credit as 'PLACED FOR COLLECTION ' FOR NO REASON! 
I filed complaint with CFPB on XX/XX/XXXX ( CFPB Ref. # XXXX ) and N.R.A. responded on XX/XX/XXXX but as of today XX/XX/XXXX they keep dragging it and did not resolve the issue yet. They are the one who inserted negative item on my credit for no reason and they are the one who should remove it. It is their fault so they MUST 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 2016-09-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am so sick of Wells Fargo putting holds on funds I deposit into my bank account and causing overdraft fees to my account. There has to be something that needs to be done to them. These fees are causing more hard to the average daily worker that 's working from paycheck to paycheck. The icing on the cake was when I made a deposit of {$28000.00} to my account and they put a 7 day business hold on my funds which is causing more overdraft fees. I have made payment arrangements with several companies to make my payments and now when they go to take funds out it will cause an overdraft fee. Then the company will put the payment through 2-3 times and each time, it will trigger an overdraft fee. Please make Wells Fargo pay for gaming the average everyday American please. We are just trying to live right, but I am so sick and tired of these BIG MEGA BANKS taking advantage of US!!!

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 2021-08-02
Company: Bread Financial 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: Account information incorrect

Complaint:
This account is paid off and the rep stated that it'll be updated no later than the XX/XX/XXXX. I just checked my credit report and it shows that this account is still owing {$1000.00}. Please look at the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: LA
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 ha disputed items on my credit report that were in accurate, several time with no results i have even got creditor involved and getting theses items removed because they are not correct. in the disputes equifax claim the verrified the info and i know thats not true because the creditor knows the info i s not right. the creditors or XXXX XXXXXXXX, XXXX XXXX and XXXX XXXX. each has been assisting me in trying to get items removed. equifax is not properly verifing the disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts, nor did I authorize these companies to pull my credit.

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 2016-10-05
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Nelnet is putting a student loan on my XXXX credit report that does not belong to me. This long must belong to a different person. Please verify social security number for this loan. I 've been trying to get this removed from my credit report and Nelnet, nor XXXX will not remove this loan that does not belong to me. They have also been sending me correspondence. My Social Security number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Louisiana Recovery Services Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and noticed and I had a collection charge of {$400.00}. I was shocked as I always pay on time. I click on the info and noticed it was a charge from a Hospital in Louisiana. I quickly knew it was fraud. LA SVC Rec was collecting the debt. I contacted them and let them know it was fraud, I sent the required docs they request and I faxed it to them. I believe it has been removed however I need to file this for my own sake. I am a victim of identity theft, and dont want this to affect future.

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 2016-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX I had to file a personal bankruptcy ( due XXXX bankruptcy filing ). Bank of America ( BOA ) listed my personal home mortgage as a charge off on my credit reports. ( Only XXXX credit cards used for my business were included in the bankruptcy filing. ) Twice I contacted the BOA credit department who informed me that I had never missed a payment, nor had I ever been late on a payment and that the credit report would be changed to remove the charge off. Both times subsequent credit cheks revealed the charge off had not been removed. Another BOA department informed me that I had not signed a letter of reaffirmation within 30 days of my bankruptcy filing. Neither BOA or my attorney informed me that this was required or might be required. BOA said the reaffirmation signing was a company policy, not a law, and still refused to remove the charge off from my credit reports. I have always maintained a pristine credit rating my entire life and find their policy to be extremely unfair.

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 2021-08-02
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 have paid credit repair agencies for years and have contacted experian XXXX  and XXXX  myself and always an auto-generated letter is sent back without ever validating that this is not mine. I have sent police report and letters and so much different verifying documents and all that is returned is that it was not food enough information. Multiple accounts are not mine multiple inquiries are not mine, myself and my family have had to suffer in so many different ways because of this.

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 2017-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TODAYS DATE:XX/XX/XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX XXXX, GA XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX, PA XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX ( XXXX ), and XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL 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 2018-05-30
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:
My life has been turned upside down.

Last year on XX/XX/2017, I notified Trans Union of the theft of my identity. 
I need them to completely follow the law and remove the negative accounts that are on my credit profile that were a part of the crime of identity theft that was perpetrated against me. If you want to hear something horrible ... I did not know there were agencies and institutions to help us citizens. I actually drained my saving attempting to settle debts that were not even fine ... Being that no harm was done financially to the creditors that own my compromised accounts..the least they can do is quit harming me. 
I did not rack up the debts but I negotiated a settlement with each creditor because I just simply did not know any better. I am sorry I am stupid. Please help.

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 2022-04-16
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION DISPUTE DEPARTMENT AARGON COLLECTION AGEN XXXX AARGON COLLECTION AGEN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AARGON COLLECTION AGEN XXXX AARGON COLLECTION AGEN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/1981 ADDRESS XXXXXXXX XXXX  XXXX, XXXX, FL 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 2017-03-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am being denied a checking account because this is on my ChexSystems report. It was discharged in bankruptcy in 2015 XXXX {$380.00} Please remove this from ChexSystems 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 explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: PA
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:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports : XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions 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:
The government pays these services to help consumers with their credit scores. I find that the services and the actual score do not match why is that. They are not even close

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