BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-19
Company: Paramount Recovery Systems, L.P.
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:
I submitted letters of verification to the credit bureaus to validate collection and negative accounts on my credit report by requesting and sending me a copy of my signature on contracts with all companies on my credit reports that are showing negative or collections i.e. paramount recovery systems I sent certified letters off to all three credit bureaus on XXXX XXXX, XXXX. I heard back from the credit bureaus stating the account was valid but did not produce a copy of my signature on a contract. I.e. paramount recovery solutions. 

I received a letter in the mail on XXXX XXXX, XXXX from paramount recovery solutions stating they received notification for validation and attached documents with contained a break down of services I received at a hospital which includes : my name, social security number, date of birth, diagnosis, diagnosis codes, and insurance information. I was not aware that my very personal and private information was contain in these documents that were addressed to me in an erroneous address that could have been sent to the wrong address ( the document had the wrong city ) and my information could have been compromised and may have been comprised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report and noticed that the following account is inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. Here are the listed details of the account with discrepancy : XXXX XXXX XXXX XXXX FL/ {$1000.00} / XX/XX/2022

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 2017-06-28
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
For years I have tried to get Income Base Rate the payments they tell me I can afford went from {$800.00} a month to {$520.00} a month. I live in XXXX, ohio. although I have a XXXX XXXX I do not have a XXXX XXXX income. I made no more than {$15.00} an hour and was a single parent could never afford that amount. barely made rent. between losing job being homeless and now regaining employment and a place to live. Navient a.k.a Department of Education has never been helpful. I filed a chapter XXXX, XXXX. which included my loan to Navient/Dept. Education. department of education sent me a notice XXXX/XXXX/XXXX telling me they now hold my default loans. and want all the money now {$57000.00}. the banckrupcy trustee is paying my debts to them from the with hooldings from my payroll. they are also fraudulent reporting on my credit report. the original amount was only around {$42000.00} I called and told them they are not allowed to harrass me for payment. navient, department of education and XXXX are all the same company. they bounce my account back and forth like they sending it to a whole entire diffenent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: EQUIFAX, 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:
INACCURATE INFOMATION ON CREDIT REPORT SO I SENT IN A POLICE REPORT THE BREACH TOTALLY XXXX MY ACCOUNTS UP NOT REPORTING XXXX STATED BY LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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: Personal information incorrect

Complaint:
These addresses are not mine, please delete immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
A check for {$1000.00}, made out to my landlady, was mailed by Citibank via e-check / bill pay to her bank, XXXX XXXX XXXX XXXX XXXX. The check was cashed at a XXXX XXXX branch by someone who faked her signature. My landlady does not have a current XXXX XXXX account. 

My landlady and I went to XXXX XXXX XXXX XXXX XXXX together, and got a letter stating that the check had never arrived at their office. That letter is attached. 

I believe Citibank is culpable. How could the thief have gotten hold of the check without their complicity or negligence? 

Citibank 's handling of this matter has been awful. I have called several times, and never gotten past the call center. I have gone into the local Citibank branch and watched while bank personnel have called, without getting past the call center. 

Thank you for your assistance.

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 2017-10-29
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: Personal information incorrect

Complaint:
After several attempts of trying to dispute the following online that became unsuccessful. There are several inaccurate addresses currently reporting on my credit report that needs to be removed. XXXX. XXXX XXXX XXXX XXXX  XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, ok XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. As well as an employer that 's needs to be removed as well 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 non-monetary relief
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: IL
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:
Equifax did not secure my sensitive information correctly. 

They have now put me at high risk for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: AA Recovery Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX with AA Recovery Solutions called my cell phone asking for my husband. He represented himself as he was an employer looking for a reference for my brother in law. This was absolutely a lie as it is clear that he is trying to obtain skip tracing info on my Brother in law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX   XXXX   XXXX  received paperwork including a divorce decree and quit claim deed in  XXXX  stating that my name was to be removed from the title and mortgage but they failed to do s o Currently, my ex-wife was 21 days late on a payment (   XXXX   XXXX  ) but was never more than 30 days late an did submit a payment every month. Through a technicality, they retroactively applied the  XXXX  payment and carried over a late balance all the way into  XXXX  even though she 'd never been more than 30 days late sending them payment They are now fili ng 30  and 60 day late payments to my credit even though they received payment every month and my name should not even be on the mortgage as of  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Conn's, 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:
INACCURATE INFOMATION ON CREDIT REPORT SO I SENT IN A POLICE REPORT THE BREACH TOTALLY XXXX  MY ACCOUNTS UP NOT REPORTING XXXX STATED BY LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX is reporting a collection account on my credit report that they have made absolutely no attempt to validate the debt before placing on my credit. I have never heard from them and when I went to apply for a loan I learned that they were reporting an account that Progressive Insurance charged off 4 years ago. Not only did they not validate the debt before reporting it they are now re-aging the debt. They show the account opened in XXXX when it charged off at the end of XXXX. I complained to XXXX about a charge and they did n't respond and it led to a charge off. The account is also duplicated. That means there are XXXX violations due to a single trade line.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: MN
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX MN ; XXXX XXXX Balance Owed : {$6100.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXXXXXX XXXX Balance Owed : {$5000.00} ; XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had student loans with XXXX XXXX XXXX XXXX XXXX. 3 of them. I was part of the group that had them removed from my credit report because of the investigation now XXXX has sent me letters claiming I owe them money for these loans even though they should not be claiming I owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX is reporting a collection account on my credit report that they have made absolutely no attempt to validate the debt before placing on my credit. I have never heard from them and when I went to apply for a loan I learned that they were reporting an account that XXXX XXXX charged off 4 years ago. Not only did they not validate the debt before reporting it they are now re-aging the debt. They show the account opened in XX/XX/XXXX when it charged off at the end of XX/XX/XXXX. I complained to XXXX XXXX about a charge and they did n't respond and it led to a charge off. The account is also duplicated. XXXX XXXX is also reporting the account. That means there are 3 violations due to a single trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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 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 XXXXXXXX

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Dear Sirs, Upon obtaining a copy of my credit report, I noticed there are inaccuracies being reported. I reached out several times to get these inaccuracies removed. I would appreciate the following items being investigated as soon as possible. According to the United States of America Fair Credit Reporting Act. My rights are being violated. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy. 
15 U.S.C 1681 section 604 A. States a Consumer reporting Agency can not furnish a account without my written instructions. 
15 U.S.C 1681 section 604 A. I have never had any credit transactions involving these consumers. 
XXXX XXXXXXXX XXXX : Acct XXXX. {$2000.00}. XXXX XXXX 
XXXX XXXX XXXX : Acct XXXX {$920.00}. XXXX XXXX 
XXXX XXXX XXXX : Acct XXXX. {$3300.00}. XXXX XXXX 
XXXX XXXX BANK : Acct XXXX. {$2400.00}. XXXX XXXX 
XXXX XXXX XXXX XXXX : Acct XXXX {$13000.00}. XXXX XXXX 
XXXX XXXX : Acct XXXX {$460.00} XXXX XXXX 
XXXX XXXX CT XXXX : Reference # XXXX Year 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 2022-01-12
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I am working XXXX XXXX  since XX/XX/XXXX to present. Today, XX/XX/XXXX at XXXX, I received a call from my place of employment which is the XXXX XXXX XXXX XXXX I was informed that Check n go has been calling several times repeated each day and claimed that they are a collections dept. I was given the contact phone number which is XXXX and they answered collections dept. I informed that I do not have a pending debt with them but I was a previous customer and informed of the situation. The person I spoke to by the name of XXXX informed me that I do not have a balance and that I would receive an email with a verification letter. At XXXX today, I received another email from work informing me that they have been calling 3-4 times a day! I will also seek legal advice!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: MD
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:
Dear Sirs, Upon obtaining a copy of my credit report, I noticed there are inaccuracies being reported. I reached out several times to get these inaccuracies removed. I would appreciate the following items being investigated as soon as possible. According to the United States of America Fair Credit Reporting Act. My rights are being violated. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy. 
15 U.S.C 1681 section 604 A. States a Consumer reporting Agency can not furnish a account without my written instructions. 
15 U.S.C 1681 section 604 A. I have never had any credit transactions involving these consumers. 
XXXX XXXX XXXX : Acct XXXX. {$2000.00}. XXXX XXXX 
XXXX XXXX XXXX : Acct XXXX {$920.00}. XXXX XXXX 
XXXX XXXX XXXX : Acct XXXX. {$3300.00}. XXXX XXXX 
XXXX XXXXXXXX XXXX : Acct XXXX. {$2400.00}. XXXX XXXX 
XXXX XXXX XXXX XXXX : Acct XXXX {$13000.00}. XXXX XXXX 
XXXX XXXX : Acct XXXX {$460.00} XXXX XXXX 
XXXX XXXX XXXX XXXX : Reference # XXXX Year XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had sent in a police report to transunion for a auto loan that was the result of identity theft to all three credit bureaus. XXXX and XXXX removed the fraudulent auto loan from my credit report where my identity was stolen which was used to acquire a $ XXXX auto loan from XXXX XXXX in my name in which the thieves allowed the loan to go delinquent and leave me with a charge off after they used my identity. Transunion rejected my police report and opened a reinvestigation and haven't responded back to me with the results or even acknowledged the police report which provided all the information and there was no lack of sufficient evidence. I already spoke with the bank themselves and flagged all accounts as fraud and told them that none of the actions within XXXX XXXX was 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 2017-06-28
Company: The Receivable Management Services LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom It May Concern, I am working with a financial and housing counselor who is writing this on my behalf as I am XXXX XXXX  and only had this phone service for XXXX for two weeks. I am not aware of a verbal or written contract that was placed for the account and am asking that any concessions that can be made on my behalf due to any continuous billing be considered forgiven or waived. <P/>I am willing to pay for the service for the two weeks of my usage but beyond that I am not willing to pay. <P/>I had no way to contact XXXX after having their service terminated as I never received any further bills or statements. I have returned their equipment and am requesting that I only be charged for the 1 month of service I had and any additional billing be waived as this account has been sent to collection for XXXX and originally the service was quoted to me at XXXX/month. <P/>I reached out to them with a financial counselor on XX/XX/XXXX after still receiving collection acct notices to try to make the debt solvent and was put on hold for over an hour and a half. I was denied any ability to have any additional billing waived as they forwarded me to 4 different areas and stated I would have to pay the above mentioned amount that had been sent to collections because the acct was closed even though this was months after I had turned the service off.

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