BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-27
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
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:
Property was leased under my name ( without me knowing or approval ), in another state by a neice & a police report has been created. The current rental property owners have given the collections company the + $ XXXX balance to collect. Current new rental owners have depts that do not want to talk to me or responded to my emials, -- becuase collection company is engaged. I have provided collection company copies of TX drivers license, Proof of TX employement, copies of police report. Collection company had my wrong phone number & emial. Property was rented with E-signature during Covid19.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed all my student loan accounts and found 2 schools listed that I did not attend. I have 3 student loan accounts listed under my name for the XXXX  XXXX XXXX. These accounts include 3 loans : 1 ) Current Balance Amount {$7600.00} Disbursement Date : XX/XX/XXXX XXXX ) Current Balance Amount {$33000.00} Disbursement Date : XX/XX/XXXX XXXX ) Current Balance Amount {$38000.00} Disbursement Date : XX/XX/XXXX Total Balance of all Accounts = {$80000.00} I have another student loan account listed under my name for XXXX XXXX. This account includes : Current Balance of Account = {$18000.00} Original Principal = {$13000.00} Disbursement Date XX/XX/XXXX Total Balance of both Schools Accounts = {$98000.00} This is quite disturbing to me, especially when I see the last disbursement date of XX/XX/XXXX. I have never taken out any student loans with these schools. I graduated from XXXX XXXX University with a Bachelors degree in XXXX. That was the only and last university that I ever attended. That is why Im confused as to how the above referenced accounts are showing up on my credit report. That is also the reason why these student loans have not been included in my consolidation and student loan forgiveness accounts. I have already contacted Aidvantage in XX/XX/XXXX requesting a Loan Discharge for these accounts and my request for Loan Discharge was denied. I also sent disputes to each of the schools with no reply. I am disputing all of the above referenced accounts due to the fact that I never attended these schools. By publishing these inaccurate and unverified items on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness. This nearly $ XXXX debt is creating an inaccurate Debt-to-Income ratio on my credit report and negatively affecting my credit score for the past few years. This discrepancy is causing me to miss out on credit building opportunities including housing, credit cards, and auto loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: GA
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 Reporting Act, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 : states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Reporting Act, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX have 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 : states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The following inquiries need to be deleted. 
I included my report from 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 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 non-monetary relief
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX  Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Delete this account.

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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXXXXXX  Balance : {$0.00} and XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXXXXXX  Balance : {$0.00}. Also, I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXXXXXX  Balance : {$300.00} and XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$16000.00}. Please remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-04
Company: Phillips & Cohen Associates, Ltd.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are contacting me regarding my deceased Sister-in-Law of which I have no financial obligation to pay her debt

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened checking account with New Customer promo advertisement. Met all the terms and conditions to qualify for credit of {$300.00}. Called customer service after 90 days with no credit of funds, representative stated they do not guarantee their promotions and refused to apply promotional advertisement. This is US Bank

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 2023-07-07
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are accounts, dates, and amounts that I do not recognize, nor am I responsible for, nor have I received any money or goods from the creation of these unknown accounts. I AM A VICTIM OF IDENTITY THEFT!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
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:
Im submitting this CFPB Complaiont to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The item in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX A XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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:
Im submitting this CFPB Complaiont to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The item in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX A XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, A XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2022-10-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
See letters sent of all violations of the FCRA

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 2023-07-07
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company gave me false information about this account. It is also also a HIPPA violation for anyone to have your medical information without your permission

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 2022-10-27
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  States I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions I requested a MOV method of verification on this account because I wasnt notified about it via email, mail, and phone. I checked my credit and happened to see the account. I challenged Equifax to send me their method of verification such as bill, written signature, etc and also stated if it couldnt be produced then the account should be deleted. I revived a letter in the mail saying that the account was verified and that was it. No supporting documents in which I asked for. This collection is not only violating XXXX sections but falsely adding age its not even in the right category this account is suppose to be in collections which it was and they added it to installment accounts which is clearly not an installment. Which further leads to saying that I have a late payment. In the attached photo it says installment accounts are loans that require payment on a XXXX basis until the loan is paid off, such as auto or student loans. Click anywhere on an account entry to see more details about that account. As you can see this isnt a loan and shame on equifax for letting this collection agency damage my credit file and verifying it as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-27
Company: Unisa, Inc
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Problem with fraud alerts or security freezes

Complaint:
So I'm currently XXXX XXXX I've been in since XXXX. I am currently looking into buying a house so when I get out of the XXXX  my family won't be homeless. My lender ran my credit and saw I had like XXXX in collections from unisa Inc and I don't even know who these people are. They say it's a private student loan I took out in XXXX but I was told by the people that helped me fill everything out at the school that I was just going to have federal loans which are currently under XXXX and are in deferment due to my situation. I'm sure I would have remembered taking out a private loan. Also after contacting them abiut the situation and asked for them to send me proof right away and I still haven't received anything and it's been almost a week. They said they tried to contact me for years yet I never got an email or phone call. Honestly feels like a scam and it's putting a halt to my home buying process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: I.C. System, Inc.
State: GA
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:
I received a letter from " IC Systems Inc '' around XX/XX/XXXX in which it clearly explained that it was representing " XXXX '' which I do not have service with XXXX I add. I wrote a letter roughly around XX/XX/XXXX and obtained certified receipt back on XX/XX/XXXX that my dispute and demand to cease all collection up to and including reporting until an orginal wet signature showing proof that I owe the so called debt to XXXX. I know for a fact that not only I do not owe it but it's not even my account. I received the same collection from another collection agency who was wise to submit in writing that they've ceased collection on it. But yet this company IC Systems did not correspond as I requested in writing before reporting to all 3 credit bureaus. I am demanding immediate removal of it and or I will seek representation from an attorney. According to my rights none of the 3 bureaus nor this collection agency was suppose to place any debts on my credit files without proper investigation. I have included my letter and proof of mailing attached with this complaint!

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