BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am not liable for this debt with XXXX XXXX. I do not have a contract nor have ever entered into any agreement with XXXX XXXX XXXX, furthermore they did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
For years scammers have mess up my credit accont.they even clean out my bank account and open accounts in my name.i have written & call the credit Bureas for help but they refuse to help me.so me trying to get a home for me and my family seems impossible.becuse the Bureas refuse to help me plus i had strokes ( 4 ) times.i was told to sue them but am asking for help one more time

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 2023-10-25
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: EQUIFAX, 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:
I have identified items that should not be on my consumer report. Please view the attachments for further detailed information on this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have contacted this company several times about freezing my credit report and not sharing any information about me to anyone. I have submitted my Security Freeze request well over 45 days ago and submitted a new request and the company has still failed to place a security freeze on my credit report. Have I attached proof of identity below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Avant Holding Company, Inc.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Re : Avant Credit Card XX/XX/XXXX XXXX payment due. Balance existed based on the upfront annual fee. 
Since that time up until the month of XX/XX/2023, Avants systems in multiple areas were non functioning. 
Simply put, it was impossible to make an electronic payment. Every payment made up to XX/XX/XXXX had to be facilitated by a Customer Service Representative via a phone call. 
Late fees have been assessed due to Avants system failure. 
Late fee waiver requests and have been submitted and denied w/o explanation. Representatives have spoken conclusive and egregious untruths. 
I simply asked ( and have been asking ) for the late fees to be waived and their payment processing system addressed for functionality. There has been no resolution or seeming regard at all to provide a semblance of what be considered a reasonable solution. 
My communications between emails and phone calls are in double digits. The calls are supposedly recorded. My communications have all occurred with the last 5 months. The Avant Supervisor I escalated to provided no solution not the multiple Avant representatives prior. 

Would you please assist? Anything you could do would b greatly appreciated. 

Warm Regards, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Roberts Markel Weinberg Butler Hailey PC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2023 and XX/XX/2023 I sent correspondence to RMWBH regarding the alleged debt in question. However, I have not gotten any response from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: GLOBAL PAYMENTS DIRECT INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I deposited to XXXX XXXX in the amount of {$600.00} via ACH almost two months ago ( Can not recall exact date for this has gone on far too long ). The amount was then taken from my account twice. The amount of stress and hassle ive had to go through with my accounts after all the weird charges from XXXX are ridiculous.

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 2019-07-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The same accounts, which have been settled, appear as double marks against the consumer. 

The following accounts : XXXX/XXXX - acct # XXXX XXXX/XXXX - acct # XXXX were sold to Collection Agency and also appear on my Credit Report : XXXX XXXX - acct # XXXX XXXX XXXX - acct # XXXX These were resolved and paid by me, the consumer. 
The Credit Reporting Agencies CAN NOT continue to keep these accounts listed and make it look like there are 4 accounts that are delinquent, with balances.

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 2023-05-05
Company: EQUIFAX, INC.
State: IN
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:
As a victom of identity theft I wouldnt wish this on anyone. This has cause me much frustration and stress which has taken a major toll on my personal life. I've spent countless hours trying to work with credit card company and bank to coear any issue but still this has left a negative dent to my personal credit. I even sought after a credit counselor and Identity theft agency which is very expensive. I now understand the importance of maintaining a close watch to my crefit reports. I would love to get on with my life free of negative marks on my credit reports. To have this matter clear once and for all with greatly be appreciated. These inaccuracies happened during the year of 2020 and amounts totaling more than {$8000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: JPMORGAN CHASE & CO.
State: NJ
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: Overcharged for something you did purchase with the card

Complaint:
i am sorry to use cfpb for this. i want value my relationship with chase. i received 2 notices recently indicating perhaps there is a change with apr in my cards. i hope not. I called and could not get a straight answer they should not be more than 17 percent apr and typically i dont pay interest but i need this clarified. Also i am asking for a favor i had to buy another car on card ending XXXX  i chose my cchase cards i could have chosen any pleasse note i will ask for my interest back. this would mean a lot. it will take me a while to pay it. just due to hard times. thank you and please clarify the aprs on all my cards they did not go up please i am unclear. thank you for valuing me as i do you also have been unable to sign up at credit journey as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit 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:
The card along with the pin for card number ending in XXXX was lost on or about XX/XX/. I reported the card lost to TD Bank USA via phone and via the online portal that same day. TD Bank failed to close the card ending in XXXX. Every single transaction after XX/XX/ is now TD Bank 's responsibility. I need all those transactions refunded/credited back to me along with any interest charges associated with those transactions. 
On XX/XX/ I called TD Bank and spoke with a Supervisor who referred to himself as XXXX. Although he was helpful at first to ensure card XXXX was closed, he refused to mark all the transactions since XXXX XXXX XXXX  as unauthorized and refused to credit me for those. He hung up on me and I had to call back and refused to transfer me to a Manager. He also again refused to submit the transactions as unauthorized. This is completely unacceptable. I have recordings of the calls. TD Bank is responsible for all those transactions. TD Bank was negligent and allowed those transactions to go through because TD Bank failed to close the card even though I requested it to be closed multiple times. The TD Bank representatives over the phone have a difficult time comprehending proper English so I had to talk to them in XXXX since I am XXXX. They don't understand the regulations in the US and they don't understand the meaning of liability and of negligence. Please get this situated. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 never sing whit this account and Transunion reported the accounts in my credit report, the accounts are : XXXX XXXX XXXX company # 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 2023-10-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am somewhat a local celebrity down here in XXXX Florida and I have lost my wallet and has fraudulently opened accounts under my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-05-06
Company: HW Holding, 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:
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX You are in direct violation of The Fair Credit Reporting ACT ( HUNTER WARFIELD INC ) has violated several of my rights. 
15 U.S.C. 1681 Section 602 A. clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604A. Section 2 it also states a consumer reporting Agency can not furnish an account without my written instructions. 
15U.S.C. credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
To whom it may concern, I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. 
Secondly according to the 15 USC 1681.The law clearly states.

1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2022-01-07
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX and I'm trying to fix some inaccuracies on my credit reports, for the last few years I haven't been looking at it but I have recently noticed things on there that are not mine. I googled how to fix this and I created a report with identitytheft.gov and have my my ids and the report it created in this mail please look at it and fix what isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$6700.00}.

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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX  XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 2023-10-25
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
In XXXX of XXXX I purchased a car from US auto sales. Never missed a payment right up until they went out of business in XXXX of XXXX. I received and email from US auto sales in XXXX of XXXX saying a company named Westlake Portfolio Management would be taking over the car loan moving forward. Prior to this, I never received any documentation in the mail about any of this taking place. I received the info about US auto goin out of business via word of mouth. I had a problem with this move because I never signed a contract with Westlake. In XXXX Westlake contacted via email saying welcome and I had to pay them money for my car. When asked to verify the debt by providing the original contract, I was ignored several times. This company is extremely rude and disrespectful. On XX/XX/XXXX Westlake Portfolio Management illegally repossessed my vehicle. At the time of the repossession, US auto finance, Inc was still the lien holder on my vehicle. You can not take something that does not belong to you, thats called stealing. Finally, I received bits and pieces of a copy of the contract in the ladder part of XX/XX/XXXX. This was not what I asked for. Not to mention they are forcing people into new contracts with them and then changing the terms of that contract after its been signed. They need to be completely SHUTDOWN!! The way they are conducting business is truly unlawful and they have to be stopped. Through personal research Ive found that they have lots of lawsuits against them for this same behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Attached is a copy United states Bankruptcy Court explaining they do not report to any of the credit bureaus. So how are you verifiying this information if the source is saying they don't report to any credit bureaus. You are reporting inaccurate information according to the Fair credit reporting act 15 usc 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

If any information is indeed inaccurate According to 15usc 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation