BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
Company: CL Holdings LLC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I saw on my credit report I have an account with XXXX XXXX, that is past due and reported to collection to Jefferson Capital. I don't live in the US. I left the US in XXXX. Since then I have not maintained a residential address in the XXXX. According to the record, the account for cell phone was opened in XXXX. I was not in the US then. Why would I open an US cell phone account, when I was not even living in the country? I haven't paid taxes in the US then, not paid electricity, not had a job in the US then. It could be verified. 
I didn't know about the account until I looked it up on my credit report. I haven't received any notifications in XXXX or since then. 
It is for {$1000.00}. I am not even sure for what period that refers, what usage, on what residential address is this service based? I didn't have a US residential address in XXXX, so on what address is it based? I want a full investigation of the charge, I want to dispute it. Who opened it? 
The past due amount has been reported to two credit bureaus, XXXX and XXXX, and the third one knows about the account too. I tried to contact XXXX, but they say because the account has been transferred to a collector, they don't have more information about it. They can't tell me for what period it is, what is the address of the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: NY
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: OH
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:
It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX Balance : {$400.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$720.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research accounts I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
In XXXX and this month in XXXX I could not get my free credit report. I was only able to get it after filing a CFPB complaint last year. So I will cut to the XXXX and do it again,. This is a violation of the FRCA.

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 2022-04-18
Company: Penn Credit Corporation
State: SC
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:
It has come to my attention that Penn Credit Corporation is in violation of a cease and desist order which was delivered to them on XX/XX/2022. I have asked this company for VALIDATION of this alleged debt but they continue to send me VERIFICATION which happens to be a bill dated 3 months after the sale of the alleged property. Prior to selling the home, the new purchaser had to put the Gas services in her name to take care of all the inspections on the XXXX family dwelling knows by the address XXXX XXXX XXXX unit XXXX & XXXX. There is no such address as XXXX XXXX XXXX. I now have proof that Penn Credit Corporation is using extortionate means with forethought and malice to collect this alleged debt which is a federal offense with up to a 20 year sentence, a fine or both. Being that XXXX XXXX claim to be the individual handling this account, he is in direct compliance with violation federal law and I will be certain to attach the response to CFPB complaint # XXXX. The documents for the closing on this address will be attached to this complaint as well as the fraudulent XXXX bill which is verification and not validation of the alleged debt. Please pay close attention to the dates on such statements. I am also sending the cease and desist order again so that Penn Credit Corporation can stop violating this order by communicating with me through the credit reporting agencies. I am fully aware of my rights as a consumer and I will be forced to take legal action of Penn Credit Corporation continues to use extortion as a way of forcing me to make a payment on this ILLEGAL alleged debt. My consumer reports are a direct reflection of my reputation as a consumer and I take my reputation seriously. Please carefully read the attached documents so that we do not have to take this any further action. Also attached to this complaint is the final payment due to XXXX which they cashed in the amount of {$250.00}. I advise you to not take this any further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: NY
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and 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 non-monetary relief
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and 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 non-monetary relief
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: NC
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 contacted the creditors and they have NO PROOF I INITIATED SUCH INQUIRES, NOR WRITTEN AUTHORIZATION AND HAVE FAILED TO PROVIDE ANY PERMISSABLE PURPOSE. Since they do not have my authorization written nor verbal, I ask that you DELETE these unauthorized inquires from my credit report immediately as there is no evidence of any authorization. According to section 604 of the Fair Credit Reporting Permissible of Consumer Reports 15, U.S. CODE 1681B In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is INITIATED BY THE CONSUMBER. : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX  XXXX XXXX  XXXX  ( XX/XX/XXXX ), XXXX  XXXX  XXXX  ( XX/XX/XXXX ), XXXX  XXXX  ( XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX  XXXX XXXX  ( XX/XX/XXXX ) . 

Under Section 609A, you must provide me with a WET SIGNATURE CONTRACT STATING THAT I OWE A DEBT TO ANY OF THE FOLLOWING COMPANIES. FAILURE TO PROVIDE THIS, MUST RESULT IN PERMANENT DELETION OF THE ACCOUNTS BELOW : : : : XXXX XXXX # XXXX {$41000.00}, XXXX XXXX  # XXXX {$0.00}

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 2022-07-22
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my 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 non-monetary relief
Consumer complaint received 2022-07-22
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Someone used my XXXX card to send money to an account using Moneygram. I contacted money gram. They blocked access to the account that was created and will not provide me any information about the transfer such as recipient and where it was sent to. The bank is the number that was used to to send the funds. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 contacted the creditors and they have NO PROOF I INITIATED SUCH INQUIRES, NOR WRITTEN AUTHORIZATION AND HAVE FAILED TO PROVIDE ANY PERMISSABLE PURPOSE. Since they do not have my authorization written nor verbal, I ask that you DELETE these unauthorized inquires from my credit report immediately as there is no evidence of any authorization. According to section 604 of the Fair Credit Reporting Permissible of Consumer Reports 15, U.S. CODE 1681B In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is INITIATED BY THE CONSUMBER. : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX  XXXX XXXX  XXXX  ( XX/XX/XXXX ), XXXX  XXXX  XXXX  ( XX/XX/XXXX ), XXXX  XXXX  ( XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX 

Under Section 609A, you must provide me with a WET SIGNATURE CONTRACT STATING THAT I OWE A DEBT TO ANY OF THE FOLLOWING COMPANIES. FAILURE TO PROVIDE THIS, MUST RESULT IN PERMANENT DELETION OF THE ACCOUNTS BELOW : : : : XXXX XXXX # XXXX {$41000.00}, XXXX XXXX  # XXXX {$0.00}

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 2022-04-18
Company: Experian Information Solutions Inc.
State: AL
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:
Please remove account from my profile

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 15 USC 1681. 

XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX  XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX/XXXX  Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX  XXXX  Acct # XXXX, 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 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. 1681s-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.

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 2016-03-02
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I received my XXXX from XXXX XXXX in XX/XX/2012 and it cost me over XXXX. Based on the current CFPD lawsuit against XXXX for predatory lending, I feel I have a legitimate complaint. I would like my loan discharged or made reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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: Account status incorrect

Complaint:
XXXX OF XXXX CARD XXXX As well as the XXXX XXXX card if it changed at all it should reflect open It's the same Bank THIS ACCOUNT IS IM USE HEAVILY AND RECENTLY AND HAS NEVER BEEN CLOSED NOR DID I REQUEST IT TO BE. THERE WAS CLEARLY A MISCOMMUNICATION. 

I have reported this account and no one seems to understand what I'm saying. You can't update it anymore there are XXXX changes to be made BUT the only request I have.

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 2020-06-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX  sold a debt for a credit card to Portfolio Recovery Solutions and wrote the debt off ( which is reported on my credit report by XXXX as " written off as bad debt ). The debt was {$3300.00} when it went into collections and was soley in my name -- no one else was associated with this debt. Additionally, Portfolio did not know what this debt was, other than from XXXX XXXX  and could not disclose what the debt was relating to. 

Portfolio Recovery Solutions began to call me from an unknown number, never leaving a message -- I never personally spoke with the debt collector. On XX/XX/XXXX, between XXXX XXXX  CST, they contacted my husband who was NOT associated with the debt.. Portfolio Recovery Solutions disclosed the following to my husband : Debtor, Amount, and time past due. I did not authorize the sharing of this information and is a violation of FDCPA. 

I immediately contacted Portfolio Recovery Solutions, speaking with XXXX XXXX " operations manager, '' and asked why they would disclose the debt, which then they claim " Kansas is a spousal consent state and we can disclose that debt to to person you are married to. '' That is NOT how FDCPA, a federal regulation works. They can contact my spouse and ask my number and how to contact me, but they can NOT disclose debts, amount, debtor, and payment information. Additionally, Portfolio Recovery Solutions LIED about communications with me and said they spoke with me in XXXX and were following up -- which is NOT true, this is false and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-26
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
A check was presented twice for cash my check # XXXX from Citibank was presented and paid on XXXX/XXXX/XXXX and a second time on XXXX/XXXX/XXXX over a year later. I opened a case with CITI but want to also let you know that this is happening. This is obviously Fraud. my questions to the Citi Rep was 1. how does a check over a year old paid? 
2. why is the same check paid twice? 
no responses to either. Last years check should have been destroyed after payment by the bank I suspect. Meanwhile the bank is not refunding the funds and starting an investigation. so I 'm down in {$330.00} due to their negligence to identify fraud

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 2020-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 call Transunion, mail letters to transunion and I call XXXX and sent letters. They are not responding. When I call they are very rude.

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have called Transunion 9 times ( for a few months now ) to report fraud through hard inquiries and they refuse to file dispute nor look into matter. 

Today I filed a police report about all of this inquiries. 

-- XX/XX/XXXX XXXX XXXX. 
-- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX  XXXX -- XX/XX/XXXX XXXX XXXX, XXXX, XXXX -- XX/XX/XXXXXXXX XXXX XXXX XXXX All of companies admitted they have no documents proving I even filed anything with them and they tell me to contact Transunion. Transunion refuses to file anything. I now have a police report about 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 2022-07-22
Company: Total Customer Service, 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 status incorrect

Complaint:
XXXX XXXX XXXXXXXXTOTAL CARD XXXX As well as the XXXX XXXX card if it changed at all it should reflect open It's the same Bank THIS ACCOUNT IS IN USE HEAVILY AND RECENTLY AND HAS NEVER BEEN CLOSED NOR DID I REQUEST IT TO BE. THERE WAS CLEARLY A MISCOMMUNICATION. I have reported this account and no one seems to understand what I'm saying. You can't update it anymore there are XXXX changes to be made BUT the only request I have.

Company response to consumer: Untimely response
Consumer complaint received 2015-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I recently had my small business ATM card duplicated unbeknownst to me and someone went out and made a bunch of fraudulent charges on the is card. When I discovered these charges I reported it to the bank ( Bank of America ) and the XXXX XXXX County Sheriffs office. Bank of America originally credited me for theses fraudulent charges and sent me some paperwork which filled out which included the contact information and case number provided to me by the XXXX XXXX County Sheriffs office regarding these fraudulent charges. Now Bank of America has reversed the credit given to me for the fraudulent charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief