BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: NY
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 am aware that you have been responding to a lot of disputes, complaints, and challenges with pre-written standard form letters, despite the precise information customers have provided. I am well aware that this is against the law since each and every consumer complaint must be evaluated individually and addressed appropriately.

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. Any letters that include my name were either written by my advisors with my full knowledge and approval, or I am the only author of them. I am aware that you are not required to request a Power of Attorney in order to delay responding to customer correspondence. I will consider your indifference to my correspondence in a timely manner to be a deliberate disdain for my customer rights. In a circumstance like this, I'll have to call my attorney and file a lawsuit.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! It is important that your credit report be accurate. The following complaints are unsubstantiated and do not comply with federal or state reporting standards. Since these claims do not adhere to fundamental reporting standards, which would increase my confidence in the veracity of the material provided, I contest them. It is your duty to ensure that all data is kept up to date, accurate, and compliant. Any claims that you are aware do not adhere to regulatory standards are not subject to be reported. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
An incorrect amount was submitted by XXXX XXXX to a collection agency " TRANSWORLD SYSTEM '' when I called the collection agency they did not have an right answer for me so I got connected with XXXX  via my insurance rep. But XXXX also couldn't provide me an explanation why my balance were higher than insurance determined amount. See Attached letter that was faxed to XXXX along with the EOB from insurance which shows the actual amount that I should be responsible. I had lab work done on XX/XX/2020 after insurance payment/determination I was responsible for {$4.00} but XXXX sent incorrect amount of {$170.00} to the collection agency. Collection agency never sent me a notice/letter out to pay for or settle it. I faxed all the papers to XXXX on XXXX XXXX but did not receive any reply yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  XXXX XXXX  is on my credit report 3 different times for the following amounts. {$310.00}, {$280.00} & {$280.00}. I do not owe this company and have no signed contract with them. They are also not licenced to collect in the state of Texas. No debt validations has been provided to me. I asked that this get removed from my credit report as it is not my debt. Thanks

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 2021-12-30
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-02-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX XXXX and USAA Managers, After your response, I have decided to file a small claims lawsuit against USAA in this matter. 
I am waiting on responses from the following places before filing : 1 ) XXXX XXXX XXXX 2 ) The Texas Attorney General 's Office 3 ) The Consumer Financial Protection Bureau 4 ) Office of the Comptroller of the Currency XXXX ) Federal Deposit Insurance Corporation 6 ) Federal financial Institutions Examinations Council 7 ) Federal Reserve Consumer Complain Line 8 ) Texas Dept. of Banking I have been a faithful member of USAA for more than 20 years, since I was in high school. My mother is a longtime USAA member and so are several family members and longtime friends. I've never had any issues with USAA until now. 

For you and your bank to make a decision to suspend my transfers for SIX MONTHS ( not a month -- not a week ) without investigating WHY and not giving notice beforehand is unacceptable. 

I explained previously that I was expecting a deposit into my XXXX  XXXX account and attempted to transfer funds to and from that account. It is MY ACCOUNT. 
your email explained that there were 4 transfers that were all declined and that is correct. 
But to SUSPEND transferring funds in and out of my account for SIX MONTHS is absurd for several reasons. 

1 ) I was NEVER given any email or notification that if there were transfers not going through, that my account would be suspended to where I can't transfer. I'm not even able to use XXXX, XXXX, XXXX XXXX or any transfer as a result of your decision. 

2 ) Both USAA AND XXXX XXXX charged me NSF fees for EACH transaction. 

Again -- I'm filing a lawsuit IMMEDIATELY once I get responses from the agencies. 
This is an unacceptable response to my questions. At this point, I dont care what is laid out in any rules. 
You should have taken into account that this was never done before, these transactions were between accounts that belonged TO ME, and I was not given any notice prior. 

I plan to take this as far as needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2023-12-05
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
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: Was not notified of investigation status or results

Complaint:
I mailed dispute letters from my place of residency to all three credit bureaus did not receive any responses over the 45 day max period. I am using XXXX XXXX XXXX XXXX as a credit repair service. They informed me to file a report with your company. The original lettrs were mailed out on XX/XX/2020.

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 2021-12-30
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts and inquiries listed below IMMEDIATELY. 

Fraudulent/Negative Accounts : XXXX Account Number : XXXX Account Opened : XX/XX/2021 Balance : {$180.00} Inquiry Name : XXXX XXXX Date : XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Resurgent Capital Services L.P.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original creditor of this credit card debt was XXXX XXXX Bank. The debt was charged off and sold to various debt collection agencies, most recently LVNV Funding, who has outsourced the collection of this account to XXXX XXXX XXXX XXXX XXXX XXXX. I received a notice from XXXX XXXX XXXX in XX/XX/2022 that stated the debt would be removed from my credit file by LVNV Funding, their client, if I satisfied the debt in full for {$610.00}. I paid the {$610.00} on XXXX XXXX and received the attached e-mail receipt of payment. I spoke to XXXX XXXX XXXX on XXXX XXXX, who advised me that it would take a couple days for my payment to post to my account with their office, but had I made a payment directly through him, the payment would have posted to my account immediately. XXXX XXXX indicated he would follow up with me in a few days to issue a paid in full/debt satisfaction letter. I never heard from XXXX XXXX. On XXXX XXXX, I e-mailed XXXX XXXX XXXX for an update on receiving the debt satisfaction letter and asked when LVNV Funding, their client, would be notified that the debt had been paid in full, and I received a reply from a XXXX XXXX XXXX, who simply sent me a debt satisfaction letter and a regulatory debt collection notice for consumers in certain states. I replied directly to XXXX XXXX to ask if LVNV Funding -- again, their client and the owner of this debt -- had been notified of my debt being paid in full so that LVNV Funding could delete the account from my credit bureau reports. XXXX XXXX failed to respond to me. On XXXX XXXX, I e-mailed XXXX XXXX and the general e-mail box for XXXX XXXX XXXX, again, asking whether or not their client and the owner of this debt, LVNV Funding, has or would receive notice that I had paid the debt in full directly to XXXX XXXX XXXX. As of this complaint, no one has responded to my e-mails. I am concerned that XXXX XXXX XXXX are a fraudulent organization who has collected my {$610.00} and fraudulently misrepresented their written notification that this debt would be removed from my credit bureau files once I satisfied the debt according to our written and verbal correspondence. I have attached all pertinent documentation, and I encourage all reading this to pull the phone conversation I had with XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Skrill USA, Inc.
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Paysafe Payment Processing is connected to XXXX XXXX and will be referred to as from this point on. XXXX XXXX/Paysafe 's processing entity risk department closed our account without warning. Of the two days worth of processed payment transactions ( Batch receipts for XXXX = {$700.00} & XXXX = {$170.00} ) totaling {$870.00}, we received only {$120.00} into our bank account. I called XXXX XXXX and their processing entity ( Paysafe ) numerous times and was told our credit card processing account was closed by their risk department. They said that since the account was closed, the other {$740.00} was just returned to our customers. That means that services we provided were not paid for because XXXX XXXX/Paysafe gave the money that was paid to us through credit cards ( {$740.00} ) was given back to these customers. There is no way for us to recover that money. We view this as theft on the part of XXXX  XXXX/Paysafe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX  I sent a letter to all 3 Credit Bureaus requesting to have my personal information updated. I received updated copies of my reports and the incorrect information is still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Initially I froze my credit to avoid the possibility of loans or lines of credit being opened up in my name without my knowledge with all credit companies. Of all XXXX agencies I have only had a problem with experian. 

I have lived at multiple addresses but have my mail and credit sent to my parents house. In order to get rid of a freeze they request certain information that includes my current address, my current address is different than my parents but it is apparent that this is incorrect and so is my parents since I tried both ways. I am now at a point where they want me to send my license, SS card, and another bill with my name on it. Which I dont understand how sending all of my identifying information through a service that is not secure would help them identify who I am. I need to be able to drop the freeze and understand how they identify who I am so that I can provide them the correct information. I tired to do this over the phone but the person on the phone was not allowed to preface the questions. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: EQUIFAX, INC.
State: NV
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:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Since XX/XX/2021 I have been trying to update the incorrect information that is reporting on my credit report. I have sent in my drivers license and proof of address which is attached to this. I receive no answer, nothing ever has been corrected. They only tell me its been verified, how can incorrect information be verified? Please look at the information I've sent as proof and delete all my information.

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 2021-12-30
Company: BARCLAYS BANK DELAWARE
State: FL
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:
Received Statement XX/XX/2021. Called to cancel card and was told on that day card was closed and {$59.00} subscription fee would be reversed. This fee was not credited and each month since XXXX we have incurred late fees and interest fees. We have documented numerous call to Barclays in good faith to resolve and close out card once and for all. Each time we called we were assured all fees were removed and the {$59.00} remained in dispute as the merchant refuses to respond to dispute. We have called the merchant, Frontier Airlines, and get put on hold for 120 minutes only to be disconnected each time. We did not authorize the charge and reported it to Frontier and Barclays within the required 30 days notice. We have even sent a letter to Frontier about this matter without response. We have done our due diligence and in good faith attempted multiple time to get credit. Interestingly every time we call Barclays they suddenly get " system errors '' and can not help us at this time. The agents are clearly running interference and making it impossible to obtain resolution. We are not being treated fairly and we are reaching out for assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions 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 credit reporting act convergent account XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. 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

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 2022-02-06
Company: LEXISNEXIS
State: FL
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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation