BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had accidentally locked my credit, not sure if I did lock or freeze, but lately when I tried to contact Experian which originally put a hold on my account I am not able to reach anyone, I have made several attempts and called several numbers as available on website to do the credit unfreeze but everything is a dead end, their is no human being that answers the automated prompts will let you go roundabout a few times then they will disconnect the call. 

XXXX XXXX XXXX XXXX, option XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit lock or unlock should not be such a cumbersome process and each of the credit reporting agencies have an obligation to have real human being to answer the calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-10
Company: ONLINE Information Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I had received a phone call I called back and left a mmessage because he was on lunch. He called me back I asked if I could set up a payment arraignment I was told he would see what he could do I offered XXXX by the XXXX and I 'd do more each mnth after that. He declined and came back with XXXX by the XXXX. I informed him I could n't come up with that and asked to speak to a manager. The manager told me he did n't have to offer me any payment arrangements and so I got upset and asked to speak to his boss. I was falsely informed that there was no one else I could speak with that I had to write the president himself and wait for a reply. I got XXXX and used a little bit of profane language and told him there had to be someone else I could speak with and he said no and hung up. I called back XXXX got hung up on XXXX more times before I spoke to another manager. This manager told me that he did n't care what was said by the other manager I was talking to him now and so I said well then I need u to set up my payments so this does n't hit my credit like ur threatening. He then said I do n't have to do anything but I can. I said no u need to set this up for me so it does n't hurt my credit. Again he told me he did n't have to do anything but he can and hung up. I called back a final time in tears at this point cuz they are threatening to hurt my credit yet not set up a payment plan for me. I got the first manager I spoke to in the first place and he told me when I call to complain make sure I tell them that he set up my payments when the law would n't make him so he did me a favor even tho he did n't have too. I spoke to XXXX Id # XXXX. XXXX id # XXXX and XXXX I did n't get his id number. I was also informed that they have been contacting me multiple times that was thrown in my face and this was the first time I received a call and called right back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
The debit collector has been calling at different hours of the day, at work, and calling my family members giving all my information out, and telling them i need a lawyer, they are making my family worried and it needs to stop! I do n't know how they got my family members numbers but it needs to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I noticed an old hospital bill on my credit report. I contacted the agency listed as the current creditor The Law offices of Mitchell Bluhm & Associates. The creditor had reaged the debt, which they claim was the original day they purchased the debt from the original creditor. Mitchell Bluhm & Associate refuses to amend the information on my credit report, and have caused harm to my credit score. I want the company to be penalized for unfairly impacting my credit report and score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-02
Company: North Shore Agency, LLC
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent North Shore Agency a letter from my bank, XXXX XXXX XXXX for proof of payment for the debt of {$270.00} owed to XXXX XXXX. North Shore Agency has not reported the information to XXXX XXXX, so XXXX XXXX can credit my account as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Experian Information Solutions Inc.
State: TN
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 first dispute was sent the beginning of XX/XX/XXXX for identity fraud. I sent an FTC report along with a police report. The results of my disputes were completed XX/XX/XXXX. They are refusing to remove 3 of the 4 items from my credit report. They are XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXXXXXX. I want these blocked from my report. Per FCRA guidelines 650 Iwant this items blocked 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 2022-09-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX # 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 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 2016-09-08
Company: Charlottesville Bureau of Credits, Inc
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
This debt was discharged in my bankruptcy. I wrote to the collection agency. They responded saying that they would remove this derogatory mark within 30 days. This was at least 5 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: NY
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, 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 2022-09-16
Company: EQUIFAX, INC.
State: MA
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: Problem with personal statement of dispute

Complaint:
XXXX XXXXXXXX XXXX XXXXXXXX XXXX I am fling this complaint because there are several inaccuracies on my credit report regarding the account listed above. Please have the company reinvestigate this and removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A debt for {$140.00}, paid 2 months ago, continues to be reported to the credit bureau agencies. This debt is currectly showing as open and unpaid on my credit bureau report. This is negatively affecting my credit scores and ability to borrow. This is the only negative item on my bureau report. The debt is being reported by AMERICAN MEDICAL COLL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX. This is a collections agency collecting for XXXX, original creditor. The debt was paid to XXXX on XXXX XXXX, 2015 via credit card with a record of the payment available. The debt and collections account continues to show as open on my credit bureau report as recent as XXXX XXXX, 2015. I have contacted the original creditor and the collections agency multiple times to have the debt cleared from my credit bureau. I have a letter from XXXX showing the debt has been paid. This letter was forwarded to the collector by me yet the debt remains on my credit bureau. The collections agency has not removed this paid debt from my credit bureau and has taken no action to resolve this issue after multiple contacts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Abrahamsen Ratchford, P.C
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On Thursday, XX/XX/2020 at about XXXX XXXX an armed XXXX with a bullet proof vest showed up at my private residence to serve me papers of an apparent credit card debt from the Ratchford Law Offices ( XXXX, PA ) aka XXXX XXXX, XXXX, aka a debt collector. I had no previous knowledge warning including letters or other forms of communication. I was blindsided by this whole event. Not only was I blindsided I am in immense fear and have been having nightmares since this XXXX showed up at my home. My emotional response has been darning. The point is not whether or not I may or may not have the debt they accuse, but that these debt collectors are using XXXX and the courts to scare and intimate people. The small claims courts and magistrates are just as bad by allowing this to proceed especially when most people are in debt and can't afford an attorney. I have asked the debt collector for more information and they have yet to comply. My " court '' date was moved from XX/XX/XXXX to XX/XX/XXXX, to now XX/XX/XXXX. XXXX.I can't afford to take time from work for this.The statutes of limitiation in PA to collect a debt is 4 years. I think this may be past its expiration date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: AL
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 was in a bad accident about 4 years ago I was in a XXXX for 8 months just beginning to start my life again when I checked my credit report someone was trying to get a car loan in my name and now I have 30 inquiries on my credit report that don't belong to me.

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 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX Account Numbers : ( XXXX XXXX XXXX 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 XXXX XXXXXXXX ) As well as all highlighted addresses/public record information on file. 

XXXX Account Numbers : ( XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXXXXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As well as highlighted public record information. 

Transunion Account Numbers : ( XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXXXXXX / XXXX ) ( XXXX/ XXXX ) As well as highlighted address and public record information. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The above listed accounts from all bureaus have all been disputed and were sent back verified and accurate, however the information is inconsistent and inaccurate after being " verified '' and/or updated. 

Some information reported by XXXX in particular returned verified as mine after they updated another individual 's personal information to match my own during one of the disputes included. 

XXXX has also reverted update changes and re-added deleted accounts after completing their dispute process multiple times. I've included an example of them reverting account changes AFTER a dispute was completed/updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-19
Company: Merchants Credit Corporation
State: WA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I have just received a letter from " Merchants Credit Association '' regarding a bill that I apparently owe a medical institution in XXXX called " XXXX Hospital XXXX XXXX ''. 

I have certainly never stepped inside this medical center, let alone been anywhere the company they claim to represent ( I have been to XXXX once in my life ). This so-called collection agency has sent me a letter saying my " account '' is in arrears, yet I have obviously never had such a letter from any medical establishment. It 's all incredible vague and suspicious. 

A few weeks ago I started XXXX, and of course registered for XXXX LLC. I set my home address as the public domain address on file, and I assume these guys are trawling the Washington State XXXX database and looking for victims to extort money from. 

The letter is very vague, and I ca n't find out much about the collection agency, so I 'm not sure what the correct course of action is. I do *not* want to invoke correspondence from these guys, as many reviews online states that this is used to be able to ascertain your telephone number in order to constantly harass you. 

Again, having this absurd demand and have never even stepping foot inside this medical center, or even hearing about them makes me think that they are purely looking for victims using Washington 's online small business database. 

I include a copy of the letter I received. 

Many thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a pending balance with the apartment complex that I was renting and it was taken to court, a judgment was given for certain amount. I am willing to pay that amount but the collection agency which owns that debt are trying to collect an amount that almost doubles the judgment given by the court.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off this bill but it is still in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our property taxes were due by XX/XX/XXXX. Loan Depot paid a portion of the taxes in XXXX but did not pay the total amount which made us delinquent on our taxes for XXXX tax year. We were contacted by the XXXX XXXX of the shortage and that we still owed {$7500.00} since Loan Depot only paid {$3700.00} of a {$11000.00} bill.We relayed this information to Loan Depot in the manner below is the email we sent to Loan Depot : THESE ARE TWO EMAILS WE SENT TO THE EMAIL THEY SUGGEST WE CONTACT : XXXX # 1 To whom it may concern, My husband XXXX XXXX and I spoke to a customer service rep on XX/XX/XXXX, about our taxes not being paid in full, we were told to fax the XXXX TAX STATEMENT we received to XXXX, this was done on XX/XX/XXXX. We called back and it had not shown that it was received, and we were told to also send this email with the XXXX TAX STATEMENT, which is attached. 
Please let me know if there is anything further on our end that needs to be done. 
Thank you, XXXX XXXX XXXX & XXXX XXXX THIS IS THE SECOND EMAIL WE SENT THEM AND GOT NO RESPONSE : # 2 To whom it may concern, We are requesting that we be reimbursed for the {$670.00} that we were penalized for taxes to XXXX XXXX, TX not being paid in full for XXXX. 
My husband XXXX XXXX and I spoke to a customer service rep on XX/XX/XXXX, about our taxes not being paid in full, we were told to fax the XXXX TAX STATEMENT we received to XXXX, this was done on XX/XX/XXXX. We called back and it had not shown that it was received, and we were told to also send this email with the XXXX TAX STATEMENT, which is attached. The taxes were still not paid and a penalty was applied for the amount of {$670.00}, this penalty was assessed while we still had a mortgage loan through the Loan Depot. There has been no communication and we were told by your customer service rep that the penalty would be taken care of and reimbursed through Loan Depot 's mortgage company. 
This has caused a major hardship on our family due to the negligence of your organization for the second year in a row! We hope to get this issue resolved, if this is not handled through your mortgage company we will have no choice but to file a complaint with the Consumer Finacial Protection Bureau ( CFPB ). 
Thank you, XXXX XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Grant Mercantile Agency
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Date Assigned XX/XX/XXXX GRANT MERCANTILE AGENCY Account Number XXXX Original Amount Owed {$3300.00} Amount {$4000.00} that I owe I have never signed any written document saying that I owe this debt to the collector. they are violating my right of the FCRA as a consumer. I do not know who they are and have not written consent from my end. also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. this company add a different amount and different dates in XXXX report it was reported XX/XX/XXXX when previous report the company was going comply by deleting this account from my credit report XXXX. 
previous complaint XX/XX/XXXX complaint file # XXXX Date Assigned XX/XX/XXXX GRANT MERCANTILE AGENCY Account Number # # # # # XXXX Original Amount Owed {$3300.00} Amount {$4000.00} XXXX XXXX

Company response to consumer: Closed with explanation