BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 brought out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX, XXXXXXXX XXXX XXXX Balance : {$32.00}, XXXXXXXX XXXX XXXX Balance : {$21.00}, XXXXXXXX XXXX XXXX Balance : {$69.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX 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 explanation
Consumer complaint received 2023-06-14
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 need to file a complaint against the 3 credit bureaus. They are in violation of FCRA Section 605b. I appreciate your time to remove some of the information in my file that resulted from alleged identity theft but I have items left that need to be removed. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your wilful noncompliance. I need them to be held accountable for their breach of the law. I need these originally deleted accounts removed from my report per the original claim of identity theft & because they are now violating, and it is my right to make some investigations. These are following items I want to remove : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 recently submitted a request for an investigation of the disputed account, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. 3 Credit Bureaus must update the listed account from my file. 
US DEPT ED XXXX Balance Owed : {$7900.00}.

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 2023-12-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Breach of Trust. Trustees of the listed companies and the credit reporting agencies have a duty and oath and obligation to administer the Trust in the best interest of the Beneficiary. Eye am the Beneficial Owner to XXXX XXXX XXXX XXXX XXXX. 

The listed transactions are XXXX XXXX cause an error was made as the SOCIAL SECURITY number has been shared with these companies without legal consent and authorization from the Social Security Administration. The Beneficiary for the XXXX XXXX did not autograph nor sign form XXXX. These accounts are unauthorized : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-07-02
Company: PNC Bank N.A.
State: NJ
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:
Credit inquiry from XXXX XXXX XX/XX/23 isn't mine Credit inquiry from XXXX XXXX on XX/XX/23 isn't mine Credit inquiry from PNC on XX/XX/23 isn't mine Credit inquiry from XXXX on XX/XX/23 isn't mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: ONLINE Information Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Online Information Services out of XXXX, NC has placed an erroneous debt on my credit file. I have not been contacted by debt collection agency and have no business with this agency nor the business they represent, XXXX XXXX. I have disputed the validity of this debt and request immediate removal because there is no proof of debt and agency nor client has provided who verified this debt. Future attempts to collect such erroneous debt shall result in legal action seeking damages as a result of a negative score caused by erroneous placement of debt in credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Colony Brands, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
At the end of XX/XX/2023, I received a bill in the mail from The Swiss Colony, but I have never had an account or placed any orders with them. I later discovered that this was likely an accidental order made by my aunt meant to ship to me, but she must have switched around the billing and shipping contact info. My aunt is older and isn't really sure what happened. What really concerns me is that Swiss Colony appears to have allowed my aunt to buy on credit ( BNPL ), but in my name. This means that they are extending credit in my name without my authorization or identity/credit verification. While my aunt knows my name and address, she wouldn't be able to complete a basic identity verification in my name. I have reached out to The Swiss Colony and let them know I didn't place this order and asked them to cancel the order and delete the credit account, but they refuse to do so without me hiring a notary and mailing a notarized letter to them. It seems rather inappropriate that they are requiring me to go to these lengths and incur these costs to verify my identity when the whole reason this XXXX bill was mistakenly created in my name is that they did nothing to verify my identity when the order was being placed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: AXOS FINANCIAL, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A merchant accidentally charged me twice. I disputed the duplicate charge. Axos has blocked all transactions on my card from going through while the dispute is ongoing. They will not send me a replacement card, or unblock my account. When I try to transfer funds from this bank to another account so I can access they money, they are denying the transfers. It has now been almost a month and I can not get money out of my account. 

I have tried multiple times to call their support numbers, staying on hold for close to an hour. Each time, I end up getting directed to a different department and it goes in circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: First Investors Servicing Corporation, Atlanta, GA Branch
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 information incorrect

Complaint:
As of XX/XX/2021, FIRST INVESTORS SERVICING CORPORATION is reporting a balance on auto loan of {$17000.00} but when I login to my online account it's show a payoff balance {$16000.00}. But this is not reflected in XXXX, XXXX  and XXXX  respectfully this improper reporting has caused my credit scores to a continuous downward spiral over over ( 7 ) months period. FIRST INVESTORS SERVICING CORPORATION also note in their reporting upwards and downwards trends in balance in my account these varations cause my score to flucation constantly. FIRST INVESTORS SERVICING CORPORATION also add or remove mark in their reporting to the credit bureaus again having effect on how points added or subtracted on each report. This practice by FIRST INVESTORS SERVICING CORPORATION show how this practice show how spread behavior on the part of their improper reporting trends. Over the last several months by score has dropped between 70-80 points due to FIRST INVESTORS SERVICING CORPORATION REPORTING TACTICS.When I spoke with the credit department about this matter I was informed this matter should be taken up with the ( 30 major creditors bureaus, again they knew nothing about the remarks on my credit report. This matter needs to investigated and FIRST INVESTORS SERVICING CORPORATION needs to be held accountable for this improper tactics.

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 2023-04-15
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 XXXX Account # XXXX, has 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
To whom it may concern : I have been a Bank of America Client since XXXX and I opened a Privacy Assist account in XXXXEver since my account has been charged XXXX every month and the service had been disconnected that same year. I called Bank of America several times and transferred me saying that they were not responsible for the refund, so I have been back and forth form the bank to the Privacy Assist help line. 
So, XXXX x XXXX XXXX ( one year ) and XXXX x XXXX = XXXX ( 12 years ). 
I am asking for your help, so I can collect my money back and things would be fare and square. 
Thank you.

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 2023-03-21
Company: BARCLAYS BANK DELAWARE
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: Was not notified of investigation status or results

Complaint:
I am writing this complaint against Barclays Bank Delaware for their failure to respond to my dispute within 30 days of receiving my letter, which is required by law. This issue arose when I discovered discrepancies and incorrect information on my credit report, and I promptly disputed these items on XX/XX/2023. 

In my dispute, I provided clear evidence and explanations as to why the reported information was inaccurate and incomplete. Despite my efforts, Barclays Bank Delaware failed to respond within the required time frame, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

Due to Barclays Bank Delawares inaction, my credit score has been negatively impacted and I have experienced significant financial harm. I have been unable to obtain credit, loans, and other financial services due to the inaccurate and incomplete information on my credit report. This has caused me considerable stress and has disrupted my life significantly.

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 2022-12-13
Company: Stellantis Financial Services US Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have been trying to get my account back on track. My job sends me traveling and me and my crew became ill of covid and the project was shut down for 2 weeks we are unvaccinated. I was working with XXXX XXXX and explained my situation to her she said unfortunately there are no programs that can help me. She see i was making payments and keeping my payment arrangements but unfortunately the way my account is set up i can never get caught up. If i pay on the XXXX i get a new payment due the XXXX causing more late payments and keeping me behind. Now its to the point XXXX say oh well its nothing she can do since its no programs available and i just need to pay XXXX to stop the repossession and i can no longer make payment arrangements unless its the full amount. It's no way i can come up with XXXX and its XXXX plus I'm a single parent of XXXX paying a XXXX rent. The cost of living is going up but my check s are not and for them to a they cant help is stressful. I been paying them XXXX for XXXX yrs now that is almost XXXX and I still have XXXX left to pay. I keep the arrangements like she ask plus I was making payments to me that should show progress before I got behind I had my payments in on time unfortunately I didn't plan on my crew getting XXXX. This is a very stressful situation to be i I need my car to take the kids to school and go to work for them to say my payments are not helping and if i pay the my car can still get repo that's insane.

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 2022-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by various ( seemingly interconnected ) brands such as XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( collectively : the Companies ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire and card payments in the total amount of XXXX USD

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 2022-12-27
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:
Received copy of credit report, noticed accounts on my credit report that are a result of identity theft / fraud. Have attached FTC Report XXXX. XXXX to this complaint. Along with a copy of my credit report confirming the accounts.

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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are 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 item/accounts/information below 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 2021-08-27
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is my rebuttal on the response sent by Credit Collection Services on XX/XX/2021 for Report # XXXX. I was amicable in the first complaint, now I am going to be extremely blunt as it is clear that you either did not take the time to read any of the letters I mailed to you previously, or you don't have comprehension skills.

Let me be very clear so that I will repeat in clear terms what I said in my last complaint.

1. I told you that I am not negotiating with you as I tried this with you just to end this headache with you illegally reporting a debt I do not owe you on my credit reports. Not only did you not reply to my offer, but you sent me a bill acting as if I owe you anything.

2. You never sent me proof that I owe you anything. A bill from XXXX is not evidence that I owe you anything. I requested several times that you provide a written and signed contract showing that I agreed to pay you, Credit Collection Services on any debt. 3. I requested your license showing that you have a right to collect in my state.
4. Lastly, you never wrote me letting me know that you were reporting this debt ( which I do not owe YOU ) on my credit reports.

5. I do not recall signing a contract with any company authorizing them to sell any of my personal information to a third party. Where is that signed consent?

So in a nutshell, hopefully you or someone is actually reading this, as well as the attachments I included and doing the right thing by deleting this reporting from my credit reports. In addition, according to FDCPA and FCRA, by law, you are mandated to DELETE a debt that is being disputed until you can provide evidence that a person owes the debt that is being reported to destroy a person 's credit worthiness. If you do not delete this account within the next 30 days, the next person you will be communicating with is my lawyer. You will have to present yourself in court in my state, providing the information I requested from you several times, which you have not submitted after all of my disputes. Know that I will pursue you for {$1000.00} per violation, including the distress you are causing me with this matter and tainting my credit reports. This will be my final attempt to resolve this with you through the CFPB before I escalate this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: In progress
Consumer complaint received 2023-08-29
Company: Rausch Sturm LLP
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent an email to RauschSturm LLP via their website requesting proof of the validity of this debt. They failed to provide any proof of this debt within the 30 day time limit and in fact never once contacted me. Today I received a summons from the XXXX XXXX Wisconsin court system stating that I am being sued for this debt. This is the message I sent to RauchSturm LLP. Their website clearly states they accept written requests for discourse and validity via email AND mail. I have proof I sent this request. I emailed them the following with personal information redacted for this complaint. 

My reference number is XXXX. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I want to dispute the debt you say I owe on a letter you sent me dated XX/XX/XXXX  in the accused amount of {$1900.00}. wish to request proof of my debt so that if I owe it, I can make arrangements to pay it. And if I don't, to have the chance to prove that. I request a statement.

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