BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear TransUnion Consumer Dispute Center, I am writing to dispute the accuracy of information on my credit report, specifically in relation to the alleged debt associated with my account XXXX. I hereby request that you provide proper debt validation as required by the Fair Debt Collection Practices Act ( FDCPA ). 
Account Information : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Current Balance : {$250.00} I want to clarify that I canceled my membership with XXXX XXXX on XX/XX/2023, both at the front desk and through email correspondence with the XXXX XXXX XXXX at XXXX, following the instructions provided by the Vasa staff. Enclosed with this letter, you will find copies of the relevant email communication that validates my cancellation. The email clearly shows that I followed the appropriate procedures to cancel my membership. 

Furthermore, I continued to be charged despite the cancellation of my XXXX XXXX membership, as outlined in the attached documents. These unauthorized charges are not in accordance with the terms of the contract and further substantiate the invalidity of the alleged debt. 

As such, this alleged debt is invalid, and I demand that you cease all attempts to include it on my credit report. Pursuing the reporting of a debt without proper validation and evidence of its legitimacy is a violation of the FDCPA, specifically, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( b ), which state that a credit reporting agency must ensure the accuracy of the information it reports. 


Moreover, I believe this debt collection attempt is a clear act of retaliation for a negative review I left on XXXX for XXXX XXXX. I want to remind you that retaliating against a consumer for exercising their right to leave a review is not only unethical but also illegal under the FDCPA, section XXXX, and potentially violates state laws as well. 

I kindly request that you conduct a thorough investigation into this matter and, upon verification of the inaccuracies, promptly update my credit report. As per the Fair Credit Reporting Act ( FCRA ), I expect this investigation to be completed within 30 days. 

Enclosed, please find copies of the following documents for your review : Original Contract Email Sent for Membership Cancellation ( XX/XX/2023 ) Unauthorized Charges Documentation I appreciate your prompt attention to this matter. If you require any additional information, please do not hesitate to contact me at XXXX or XXXX. Thank you for your cooperation in resolving this dispute. 

Sincerely, 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 2019-07-03
Company: ZIONS BANCORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was trying to refinance an existing mortgage ( acquired less than 7 months ago with XXXX XXXX ) with Vectra Bank. They deny my application because they consider an investment interest I have in a Delaware Statutory Trusts owned by XXXX who has a loan under the Trust for an apartment complex in XXXX, Georgia as a 'personally financed '' loan. I only own 0.185 % of the investments and I do not make any loan payment to this loan as it is not under my name. I don't have any personal obligation to this loan secured by the Trust. I only deduct an interest expense per the financials provided by XXXX every year. Because of this addition to the number of personally financed property, I exceeded 10 personally financed loans per lending guidelines. I believe this addition is incorrect and Vectra has violated fair lending act and XXXX XXXX lending guideline.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2023-12-17
Company: ENCORE CAPITAL GROUP 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 writing to address an ongoing issue that has remained unresolved for the past four months and to express my extreme dissatisfaction with the handling of my dispute. 

As I have previously notified you, there is an account inaccurately reporting as a collection on my credit report, listing your agency as the debt buyer. This account, with reference number XXXX, is not only reporting different balances to the credit reporting agencies but is also providing inconsistent dates for the " date last active, '' a clear violation of industry regulations. 

Despite my prior notifications and the submission of a dated and time-stamped dispute letter, your agency has failed to rectify this situation and remove the inaccurate account. This is not only a blatant violation of the Fair Debt Collection Practices Act ( FDCPA ) but also a demonstration of negligence on the part of your agency. 

This letter serves as my final notice before I pursue legal action against your company for defamation of character and FDCPA violations. The inconsistent reporting of balances, conflicting dates, and failure to address my dispute demonstrate a lack of due diligence and adherence to industry standards. 

I have attached a copy of the credit report in question along with the dated and time-stamped dispute letter for your reference. I implore you to take immediate corrective action by removing the inaccurate account and providing me with an updated credit report reflecting these changes. 

Your prompt attention to this matter is essential to avoid further legal proceedings. I expect a resolution within 14 days from the date of this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX  account number 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  has violation my rights. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are supposed to modify account that aren't reporting correctly. 

15 U.S.C 1681 section 602 A. states I have the to privacy. 

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can't furnish a 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 2022-10-28
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
On Thursday, XX/XX/XXXX, I received a letter in the mail from Netspend. This letter contained a pre-paid Mastercard, with instructions for me to activate it and begin using it to " Get paid up to 2 days faster ''. I have never heard of this company and never requested a card -- this card was completely unsolicited. This is not an advertisement for a card, it is the card itself. From my understanding, if I were to activate it, I would either be charged a {$9.00} monthly fee OR be charged {$1.00} per purchase. 

I attempted to call their customer service line, but was unable to speak to a human without activating the card first. Since I do not want the card, I did not activate it.

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 2019-07-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern : However, there are some confusion in Equifax which currently affecting my credit report. Please make any necessary modification on my record as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: GOLDMAN SACHS BANK USA
State: TN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was sent a third party text link from a stock pick company XXXX This text sent to my phone only had a simple credit card form to fill out for payment. This wasn't completed on the merchants website at all. 
When I got access to this information, I immediately requested a refund seeing this isn't what I was told it was to be. This company told me they don't honor refunds. I immediately filed a dispute with Goldman Sachs ( Apple Card ). 
Apple Card accepted this companies generic website pages as proof of purchase. 
I have asked over and over again for proof of me accepting a no refund policy as again this transaction NEVER occurred on this website, again all done via a third party text message link for credit card input. 
They have NEVER provided this proof as you must select the box as agreeing to their terms which again never happened. 
Since filing a dispute, this company that took my {$4500.00} has blocked my access and deleted my account. I have supplied Apple Card with this information and they yet refund my money. 
I have contacted XXXX many times via email, text, and they won't respond to me. They have again blocked my account, this is FRAUD!! 
This XXXX company has FRAUDED me out of {$4500.00} and I want my refund. 
I have tried many times resolving this with Apple Card, today I simply asked for my account number so I may include it in this dispute, they refused to provide me with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2022-10-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report such as an inquiring on XX/XX/2021 for XXXX XXXX XXXX. I am a victim of Identity Theft and did not make the charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and also have enclosed copies of the Federal Trade Commission 's Identity Affidavit. Please delete this item as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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: 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 this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX Balance : {$9200.00}

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 2023-03-23
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank phone customer service agents do not seem very well trained in giving accurate information on funds availability with the type of account I have. 

I called in to Citibank phone reps multiple times XX/XX/2023 and XX/XX/2023 to inquire when deposits to my checking and savings account will be available. One representative claimed the funds will be available for the {$110.00} by the end of business day on XX/XX/2023. I confirmed it 3 times with her and she confirmed it 3 times with me. The second representative claimed it will be available after the XXXX. 

I asked about funds availability and why this was such a long deposit hold. I received various responses. 

At this time I do not have proper documentation on funds availability from Citibank. All their funds availability apply to teller and/or branch deposits. 

Further, Citibank did not give paperwork nor indicate they mailed paperwork for fees, deposit info., terms & condition for the account. They simply just allow customers to open the account without knowing important financial information. This specific negligence is harmful to XXXX  customers, such as myself, that are trying to navigate a banking system with no direction ( obviously customer service reps give misinformation to customers ) geared toward XXXX  and wealthy individuals. Citibank is setting up minority customers for failure with their accounts by now providing the information in a timely and clear fashion.

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 2018-08-10
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The original debt collector XXXX XXXX 's Was notified that my Medical Insurance coverage for both XXXX XXXX and Social Security XXXX Insurence Coverage through State Medical the info was provided before the Account was Closed with XXXX, I very recently in XX/XX/XXXX received a Debt collector Call phone call harassing me for $ 500+ I told them the debt was satisfied through XXXX and followed in XX/XX/XXXX I updated XXXX my SSI benefits Medical State Insurance to XXXX   , In XX/XX/2018 I than contacted XXXX I spoke again to XXXX who took my insurance Medical Information for my Son who is a minor whom received XXXX XXXX XXXX XXXX which was covered by the State Social Security Administration but XXXX failed to provide documentation that their was a debt owed still or if the insurance was ever updated or billed, I debt collector was informed in XX/XX/XXXX over the phone that I dont owe a debt collector and any balance should be closed with a {$0.00} balance through XXXX . The creditors immediately reported right after I spoke to XXXX  ; XXXX, XXXX and XXXX XXXX Mail left from XXXX : XX/XX/2018 XXXX Hi uh hi XXXX this is my XXXX with you earlier I'm calling from XXXX XXXX 's XXXX  um if you could give us a return phone call um there's some information like to provide two of the number is XXXX thank you bye-bye I had earlier contact XXXX  to Verify that they updated my Insurance and they said that the Account was Closed with a {$0.00} balance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, 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 accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: FL
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXX XXXX XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I provided all the documents, I still can not get my address verified with them, or for them to send me my free annual report. Please work with me. See documents. Please confirm. My address is on the bank statement from XXXX 's bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: DriveTime
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: Credit inquiries on your report that you don't recognize

Complaint:
In response to Drivetime, Drivetime is listed as inquiry not a hard inquiry on my credit report! Hard inquiry means I would have given them permisson but since this matter is not a hard hard inquiry but a soft inquiry that still means Drivetime still unlawfully obtaining my credit report without my permisson! I have never applied for any financing or inquires for drivetime because I never had need for a car! I never went to drivetime website to fill out any application with Drivetime. And I will not be sending my personal information to Drivetime or any company that I have never had any contracts with! this is fraudulent. Drivetime stating I gave authorized which I did not and they have no proof that I did which I did not give them consent! Drivetime did not do investigating. I have never filed out any information with them or click any boxes to have my information on my consumer report pulled. DRIVERIME this is in violation of FCRA and lying stating that gave permisson which I do not. Drivetime purposely pulled my credit with out my consent. Please be aware I will filed a commercial Lien on your company if you do not comply to my demand

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 2022-10-28
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
My Amex card. 
On XX/XX/2022 i accepted and Amex offer for purchasing XXXX, i purchased it for {$100.00}, Amex was supposed to give me a 40 % refund but instead said they would not because i went through a third party for payment XXXX XXXX XXXX  ). even though XXXXXXXX XXXX goes to my Amex card and i paid the total amount charged to my card. i called Amex to complain and file a complaint, they would not take the complaint and said they thanked me for my feedback. it took over 30 minutes to convince them to file a complaint, and they wouldnt even give me a complaint number until i raised issue with it. They were trying to tell me it was feedback not a complaint. 

complaint number XXXX, if this is an actual complaint number for all i know the manager/supervisor may have just made it up to get me off the phone.

i claim misleading advertising because Amex should have provided a link that allows you to pay them directly, it does not.

Company response to consumer: Closed with explanation