BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-31
Company: Premier Portfolio Group
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I receive, at minimum, 2 to 3 calls from this company on a DAILY basis. This has been on-going since 2015. The calls always come from a different number each time, but they leave a pre-recorded message on my voicemail. The voicemail always states that I need to call them back immediately to discuss a " bad check '' that was " passed through their office ''. The only checks I write are to my rental office for my rent each month and to my child 's school for various field trips and events. NONE of these checks have ever been returned. 
I have tried to call back the number that shows on my caller ID, only to get a busy signal or a " the party you are trying to reach is unavailable '' message. I have also tried to call the XXXX # they leave on the voicemails and have been rewarded with a very stressful conversation from an " agent '' who keeps asking for personal information ( ssn, phone number, address, etc. ) and refusing to give me any information pertaining to the " debt '' I supposedly owe. They have also threatened, multiple times, to serve me with legal papers at my residence. Several times they have stated that they have already attempted to serve me with papers, having strange people call me claiming to be " process servers ''. Each time I have spoken to one of these " process servers '' they have verified my address. I have stayed home on those days only to have no one show up. Never once have I received any type of mail correspondence at my residence from this company and I have lived there for over 5 years. 
I have requested numerous times that they stop calling me, only to be met with a " we have the right to call you if you owe us money '' type of reasoning. 1 or 2 times a week would be acceptable, but they call DAILY. I consider this harrassment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have XXXX collections on my credit reports. The one was removed and put back on. one was removed from XXXX credit bureau. the other XXXX are old accounts that were just recently put on my credit reports since I started trying to clean up my credit to enable me to get a home. they are over four years old and are just now showing up as a collection, which is frustrating when I have got issues cleaned up and more come out of the woodwork and put things on my credit reports

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My Experian Consumer Report View/Soft Inquiries of XXXX XXXX reporting every three days starting XXXX a soft inquiry which have been constantly pulled on my credit profile. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract - any and all accounts you post on a credit 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 2017-01-16
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Unable to get my credit report or credit score : Problem getting my report or credit score Describe what happened so we can understand the issue ... 
I have been verbally told and using tools through the XXXX credit bureaus websites informed that there is no block on my credit reports. However XXXX has closed my mortgage loan modification file due to their alledged attempts to obtain my credit report and said report being " locked. '' The credit bureaus refuse to provide anything in writing stating that my credit reports are not blocked. XXXX refuses to reopen my mortgage loan modification application package and my home will now be forced into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Is Experian beyond adhering to the Fair Credit Reporting Act. I have contacted Experian over a 3 day time span and have tried to get them to place hard inquiries that are reporting on my credit report under dispute however this was met with great difficulty and an inability to have this done by several of their agents. These hard inquiries that they are reporting are not factual and I received the answer from each one of the representatives and supervisors I spoke with, XXXX on XX/XX/XXXX, XXXX who was a supervisor in the Disputes Department ( XXXX XXXX ) on XX/XX/XXXX, XXXX who was a supervisor in the Special Services Department ( XXXX XXXX ) who called me back on XX/XX/XXXX after I had reminded XXXX that a supervisor was to call me back from my previous call with XXXX, and lastly on XX/XX/XXXX XXXX in the Texas Office, all stated this information is factual and they must by law report who accessed the credit report and if I had any disputes I must reach out to the creditor.
They are directly violating the FCRA as it reads according to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), any information can be disputed and MUST be investigated and if they do n't investigate and respond, the CRA must delete the dispute information from its files. The very fact, that 4 representatives refused to place the inquiries under dispute, constitutes hat there was NOT an investigation performed. I am submitting this complaint as there was no investigation done on my request for the hard inquiries that do n't belong to me. This is blantant violation of the FCRA and Experian knows better than what they are doing. Not only is this a violation of the FCRA but also a violation of my consumer rights. Just in case they need a refresher, these are the accounts that were requested. XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX  -XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX  XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX  XXXX-XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX -XX/XX/XXXX I would like them to comply with all applicable Acts.

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 2021-07-10
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sent my rent payment of {$100.00} through CashApp. Landlord accepted payment but had never used the program before and did not intend to create an account. He wanted payment some other way. I sent a refund request, which he denied because he did not understand the app. He told me to send another refund request. CashApp prevents that. So I sent a payment request for the same amount. When he tried to process that through the app, he was prompted to enter his social security number, which he did not want to do because he did not want to create an account. CashApp FAQs and their customer service rep on the phone said that the landlord does not need to put in a social security number to send the funds back to me. I reached out to CashApp to see if they could manually reset the refund request ( so that I could send it again ) or refund my money themselves. They said that because the landlord accepted the payment, they will do nothing, despite the fact that the landlord does not have an account and has no intentions of creating one.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have been denied by housing authority because they say I have a eviction on my credit from last year I was never evicted I 'm currently still living on the property I was late on rent and had to XXXX dollars to the general session court..on my credit report it says paid..is there anyway I can get that off

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After filling application for XXXX, XXXX XXXX XXXX XXXX on XXXX, a Renter 's Report showed XXXX judgments against XXXX XXXX, who is not me. Both by XXXX XXXX XXXX, XXXX XXXX, CO. The XXXX filed XXXX case # XXXX and the XXXX filed XXXX case # XXXX both against the plaintiff, XXXX XXXX. Records will show I was living in my mortgaged home, XXXX XXXX XXXX XXXX XXXX, NV XXXX from XXXX to present and working at XXXX XXXX in XXXX XXXX from XXXX to present. I keep all of my pay check stubs including all from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX. I am NOT the plaintiff XXXX XXXX, I have never even gone by that name. 
Please remove this inaccurate and erroneous information from this and other credit reports. 
Thank you, 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 explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
someone is using my Personal information without Consent I'm a victim of identity theft this is not right this fraud needs to stop

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 2016-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Transunion is taking too long to clarify dispute results from accounts that have been closed but still have recent payment process, or due amounts.

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 2021-01-21
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: Investigation took more than 30 days

Complaint:
In 2017 I submitted a complaint with you, and now after not getting any results from my mortgage company, there was a class action lawsuit brought against them for improperly reporting. I received a check and a statement that stated " As part of the settlement agreement, XXXX XXXX  has requested reporting agencies to delete records related to closed accounts, credit inquiries, and/or delinquencies. However, I have sent this letter, and disputed it with all three credit reporting agencies, and neither XXXX XXXX, nor the credit reporting agencies have corrected the issue. I am showing 34 past due payments, and none of them were ever past due. I have fought with this company for the past 4 years.

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 2016-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Capitol One refused to correct incorrect information it continues to furnish to credit agencies regarding a credit card account I closed in XXXX. Capitol One reports an open Capitol One Credit Card with a Revolving Account, an overdue balance, a status of past due, and missed payments. I did open an account with Capitol One briefly on XXXX XXXX, XXXX, but I never made any payments on this account or used it in anyway and I closed the account in XXXX XXXX. Capital One kept this account open by mistake and mistakenly charged a {$23.00} administrative fee, despite that I had already closed the account and completed all payments. I was able to work with a customer service representative at Capital One and confirm the account was closed, and since XXXX, I have discussed this matter with other Customer Service representatives over the years, and they have confirmed that the account is closed and no payments are due. I have never received any notice of this account or any bill since XXXX. Yet Capitol One continues to provide incorrect information about this account to Credit Reporting Agencies. This negative information is damaging my credit score. My negative credit score is impacting the rate at which I am able to obtain various loans and causing additional monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I reviewed my transunion credit report today and noticed that there have been XXXX hard inquiries put onto my report. Some of these are from XXXX ( which should not be on being it 's XXXX XXXX XXXX ). The other one 's are from XXXX. I immediately called transunion and was told they ca n't remove hard inquiries that I need to contact them directly. I tried to contact them directly but have no phone numbers. I have not applied for credit in a few months now as I am trying to increase my score and having any inquiries will affect my score. I am submitting this complaint because I did not apply for any credit with any of these companies plus as I mentioned earlier some of them are from XXXX that were just put on today. This is unheard of and transunion will not help 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 explanation
Consumer complaint received 2021-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the evening of Tuesday XX/XX/2021 I deposited a check into an ATM at my bank for the amount of {$600.00}. The check is a stimulus check from the U.S. Treasury. During the transaction the ATM machine malfunctioned and crashed. My check was taken by the machine as well as my ATM card and my bank is not acknowledging it's existence or crediting the account. They are not helping me. Just giving me run around. I want my check returned or the funds to be made available. The ATM scanned my check and showed a picture of it on the screen so I know they have record of 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 monetary relief
Consumer complaint received 2017-02-22
Company: IQOR US INC
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Call the let them know this was a mistake and i have turn in the equipment ans send prof and the refuse to respond Still saying i did not i sent them and dish even i send them prof of me getting 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 non-monetary relief
Consumer complaint received 2021-01-22
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I sent letters to I.C Systems requesting validation of debt also letting them know I did not open an account with them. They continued to report this incorrect, unverifiable debt on my personal credit report. I have yet to receive a response from this company which leads to EStoppel. I did not open an account with 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 2016-06-08
Company: Medical Data Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
There is a medical debt in which I agreed on a settlement set up the payments per our agreement XXXX charge went through and the XXXX the company is stating did not, I never received a call about this until a while later and now this company will not honor the settlement. If I new my HSA card did not process which I have no reason why I would have paid the remaining balance out of my bank account and now this agency will not take it. 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 2015-08-12
Company: Credit Plus Inc
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was involved in a divorce in which I 'm finding out that ex opened accts. under my SSN and my son 's. He also submitted tax returns under a false SSN. He lied about being fired from job to escape alimony. Now I ca n't get into my credit reports at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: MoneyLion Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an unsolicited piece of mail from the XXXX product by XXXX/MoneyLion. The mail included a debit card and had a call to action for me to activate the debit card. To me, the piece of mail seems to actually be from MoneyLion. 

I never signed up for this account. I am not sure how this account was opened in my name with my address. I am actively monitoring my credit, and as of yet don't see anything suspicious. 

I did not activate the debit card. I can provide the debit card number upon request. 

As I did not request this card, nor did I sign up for this account, I believe this is fraudulent. 

I received this mail at my old address and have moved, so I'm not sure the exact date I received this. It may have been a month ago. 

It is a similar situation as this post : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: National Bond And Collection Associates, Inc.
State: PA
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 paid the debt in full XX/XX/2017 ( have cancelled checks to verify ) and the debt collector still continues to contact me to pay the debt even though I have told them it is paid in full.

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 2016-10-02
Company: IQOR US INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I get multiple daily calls from Allied Interstate at XXXX. 

I have no outstanding debt at all. 

The calls start as early as XXXX local time, even on Sundays.

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