BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
We were notified today XX/XX/2016 that we have Hard Credit Inquiries on our Credit Reports ( Equifax , XXXX and XXXX ) for a loan that we DID NOT apply for. 
The following companies XXXX, XXXX, XXXX, XXXX and others have run Hard Inquiries against our credit reports and we have Never heard of these companies before. We call Equifax and XXXX and they put a Freeze on Our Credit Reports. XXXX has not put a freeze on yet. Equifax and XXXX said we would have to call these companies as ask to have the Hard Credit Inquiries removed but we said this is FRAUD. We had a freeze put on our credit reports so no more credit inquiries can be made for now. We have already had our credit scores reduced by these Fraudulent Credit Inquiries. We need help in all of this since Equifax and XXXX and XXXX DOES Not want to help us. We paid money to have the freezes put on each credit report. Do we now need to seek a lawyer to help us and have to pay for the lawyers fees too? We have tried for a long time to get improved credit scores but in a flash our scores are lower and we did not even apply for any loans or miss payments but are being penalized with no one to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls to cell number and landline two to three times a day at either number. No message is ever left on voice mail. Letter written to Portfolio Recovery on XX/XX/XXXX to cease and desist calling both numbers. Email sent to XXXX on XX/XX/XXXX to stop calling each number. Calls are made from all over the United StatesXXXX, NY, XXXX, CA, XXXX, MS XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX CA,  XXXX, NJ, XXXX XXXX XXXX CA, XXXX XXXX XXXX CA etc. 
Saturday, XX/XX/XXXX call came into cell from XXXX, MA, Yesterday XXXX, OH, today from XXXX, CA  from # XXXX call to landline today at XXXX from XXXX This has been going on for several weeks and I do not owe anyone any outstanding debt and have received nothing in the mail to indicate I owe any funds to Portfolio Recovery or any of their subsidiaries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 accounts listed on my credit repair that doesn't belong to me. I never gave anyone access to personal information to apply for these accounts listed below. 



XXXX XXXX -opened XX/XX/XXXX amount {$930.00} XXXX XXXX opened XX/XX/XXXX amount {$790.00} XXXX XXXX XXXX opened XX/XX/XXXX amount {$0.00} XXXX XXXX -opened XX/XX/XXXX amount {$0.00} XXXX XXXX XXXX   XXXX- opened- XX/XX/XXXX amount {$3900.00}

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 2016-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This complaint was resolved by its removal from Experian on XX/XX/XXXX. This was my Case number : XXXX How do I get it removed from Transunion and Equifax? 

I am disputing the only adverse account on my report, which is XXXX # XXXX ( XXXX XXXX ) for the amount of {$410.00}. This entry is totally fraudulent and I am requesting that it be removed immediately. 
Here are the facts : XXXX failed to provide service for the amount which was agreed to, and subsequently terminated my service after ten months of service. XXXX broke the agreement by not only overcharging me every month but also by terminating my services on XX/XX/XXXX when my bill was paid in full thru XX/XX/XXXX. 
On Friday, XX/XX/XXXX, at approximately XXXX XX/XX/XXXX., when I called to complain about fraudulent charges being on my bill for the tenth month in a row, XXXX immediately disconnected my services even though my bill was paid in full thru XX/XX/XXXX. I can only assume that XXXX was tired of my continual complaining about the fraudulent charges every month so they decided to terminate my services when I repeatedly complained about the fraudulent charges. 
When I noticed that the services were turned off, I called XXXX back to again complain and I was told that the services had been disconnected and that I would receive a credit for the remaining eleven days on a final bill. XXXX owes me {$14.00} for disconnecting my services on XX/XX/XXXX when my account was paid in full thru XX/XX/XXXX. 
I owe XXXX nothing!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 appears that my my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which 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 remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXIf you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is 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 swiftly.

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 2022-08-17
Company: EQUIFAX, 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 XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX  XXXX acct # s XXXX & XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Stress i have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It alson states a consumer reporting agency can not furnish a account without written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
The billing office for XXXX XXXX XXXX hired TransWorld Systems to collect on a medical debt from many years ago, which should have been discharged under my Ch. XXXX bankruptcy in XXXX of 2015. Although I believe I 've provided this information verbally to this company before ( I do n't have any dates written down ), the phone calls continued - usually multiple per day. I finally called again last week and after speaking with someone in the billing office who knew nothing about bankruptcy law whatsoever, I was referred to the billing office manager, " XXXX '', by the doctor 's office ( who, assured me that this should stop immediately ). XXXX refused to stop billing me if I did not provide a copy of my discharge paperwork ( even though this information is public record and they ARE a billing office ), so I faxed him a copy last week. After receiving, he left me a message stating that he would have the collection efforts stopped immediately. I have continued to receive calls from TransWorld Systems, attempting to collect on this debt, even after his voicemail to me. I received another call today, which is partly inspiring this complaint. I let TransWorld know that they should cease and desist collection efforts immediately per Ch. XXXX discharge, which was provided to the billing office. I called the billing office this morning again to speak with XXXX, and I 'm told that he 's out all week and no one else is in charge ; that they 're " all in charge ''. This is coming from the same woman I spoke to last week who has no idea about bankruptcy law. She then hung up on me when I continued to press her for who was in charge this week. This issue is causing me significant emotional distress - it was enough to go through the events that led to the bankruptcy in the first place and the bankruptcy itself. I have worked very hard to bring my credit back to good standing and this needs to stop asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
The incorrect reporting of my name by XXXX XXXX and Equifax credit reporting agencies has cause me alot of hurt and pain even though i have provided both agencies with copies of birth certificate, social security card, and utility bill, also my check stub, and the two agencies listed above continue to report incorrect information in my file such as. 
XXXX. XXXX XXXX reporting ( XXXX XXXX XXXX XXXX ) which is WRONG. the correct spelling of my name is ( XXXX XXXX ) which is correctly. 
XXXX. Equifax reporting ( XXXX XXXX XXXX ) which is WRONG the correct spelling is ( XXXX XXXX ) XXXX. I ONLY NEED MY CORRECT ADDRESS XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I keep contacting you regarding fraudulent activity through my XXXX credit card. In the fall someone managed to change my address to XXXX Florida while trying to steal my identity and this card. I have spoken to the credit card company on XXXX XXXX, 2016 as they kept reporting this address as my new one even though they are the ones who notified me there was a problem with my account. They canceled my card & issued a new XXXX. They have supposedly updated it in their system and were supposed to fix it with the credit bureaus, yet it keeps appearing on my credit report, especially on EQUIFAX. Please correct this!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Funding keeps contacting me by phone constantly and mail after being told not too clearly breaking credit collection laws. Also the balances the are collection are illegally inflated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: ZWICKER & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a debt validation letter from Zwicker & associates on XX/XX/2022 with a date on it XX/XX/2022. I called them on same day XX/XX/2022 telling them I am responding to the letter and they tried to collect on the debt before the 30 days and threaten for litigation if I did not comply. I was contacted again on XX/XX/2022 @ XXXX. I returned the call and stated if they sent anything out in response to my debt validation letter. They stated the sent out on XX/XX/2022, I have not received anything in the mail for Zwicker & associate. I stated to the debt collector that I haven't received anything in the mail and they emediately became agressive, I stated I sent my response by certified mail that they obviously received the response and the debt collector at Zwicker & associates denied it and threaten for litigation and stated my account was in review for litigation, that he will forward the account to an attorney at Zwicker & associates. It's been 30 days and they did not respond to my request. I feel harassed and extorted for payment without proof of debt ownership. They also stated both times I was contacted by 2 different debt collectors at Zwicker & associates that they were hired to collect debt on behalf of original creditor, a creditor that charge-off the account as bad debt and is on my credit report as a charge-off bad debt. I need proof of contract with the original creditor. If Zwicker & associates can not provide requested information on my response letter then they need to stop trying to collect debt they aren't legally able too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT 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 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 called TransUnion and spoke with a CSR name XXXX. I explained that I was a victim of their inquiry issue. ( I explained that this was their fault due to TransUnions server error, and that is is illegal for the company to place these inquires back on my report without proper and accurate verification or notification to me in writing that these inquires would be re-added ( FRCA 611 ). The inquiries that need to be remove are : ( 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 ) ( 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 XXXX XXXX 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 explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the XXXX and TransUnion credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX XXXXXXXX Balance : {$4600.00} ; XXXX XXXX XXXX Balance : {$970.00}

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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX 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 2020-08-04
Company: Avant Credit Corporation
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I sent written notice to cancel my card. Fraudulent charges were made on the account, after cancellation. Avant refuses to remove the charges and continues charging me interest and fees on these fraud charges that, at one time, they said would be removed from my account. 

I tried resolving these issues on several occasions and have been given a run around by Avant, spending hours being transferred and calls dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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 sent a letter on XX/XX/XXXX, to remove items that are 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 items not later than 4 business days. Ive already included these in my previous Complaint & I am including these again. 
XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX U S DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$7500.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2018-09-19
Company: GREAT LAKES
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Took me off automatic billing so that interest would build up and they would be payed more in the end. They should not stop auto pay unless I ask them too!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In 2005 I was added as a user on my grandmothers Discover credit card. Since then I have never had possession of a Discover card to use or account access to pay anything on the card. It was strictly for her to use and help build my credit. Now 15 years later my grandmother has had two XXXX, several hospital stays and is currently in XXXX which resulted in two missed payments to Discover. I learned about this when I ran a credit report to get a mortgage loan on a house, when I contacted Discover about this for resolution, they refuse to remove me as a user on the credit card, which is all I asked of them. I contacted them twice In fact in which the last time they informed me the account would have to be paid in full and closed or one of us would have to die to be removed from the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: EQUIFAX, INC.
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Received my Equifax XXXX credit report and there was a credit card on my report that I did not apply for from XXXX. I called the fraud department of XXXX and they would not help me unless I agreed to a disclosure statement which I did not want to agree to. XXXX made several errors resulting in them issuing a credit card under my identity and would help me resolve it.

Company response to consumer: Closed with explanation