BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
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:
My name is XXXX XXXX, a federally protected consumer. I am filing this complaint with the CFPB against TransUnion because they have failed their requirements as outlined in the Fair Credit Reporting Act ( FCRA ) of providing completeness or accuracy of an item of information on my consumer file. I sent TransUnion a dispute letter on XX/XX/XXXX, labeled as Exhibit A, which they received on XX/XX/XXXX, labeled as Exhibit B. They finished investigating my dispute which was mailed to me and I received on XX/XX/XXXX. The date on the TransUnion report was XX/XX/XXXX, file # XXXX. The investigation results stated on the report : VERIFIED AS ACCURATE AND UPDATED : The disputed item ( XXXX ) was verified as accurate ; however, other information has also changed The information that they updated was Balance which went from {$4000.00} to {$4000.00} ; 'Date Opened ', which went from XX/XX/XXXX to XX/XX/XXXX ; 'Date Update ' ; and 'Past Due ', which went from {$4000.00} to {$4000.00}, as seen in the screenshots labeled Exhibit C & D. I sent TransUnion a follow-up letter asking for the method of verification, labeled Exhibit E, on XX/XX/XXXX, which was received on XX/XX/XXXX via return receipt, labeled as Exhibit F. On XX/XX/XXXX, I received a letter from TransUnion in regards to my dispute. The letter was dated XX/XX/XXXX, file # XXXX and stated : INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. TransUnion has failed to provide me with the method of verification which is stated that I can request per 15 U.S.C. 1681i ( a ) ( B ) ( 7 ) and that TransUnion must provide method of verification after receiving a request from the consumer for that description no later than 15 days. If the disputed information, after the reinvestigation, is found to be inaccurate or incomplete or can not be verified, then TransUnion must promptly delete that item of information from my consumer file.

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 2021-04-21
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to LVNV Funding LLC XXXX collection agency XXXX disputing and requesting validation for an account on XX/XX/2021 and mailed it certified, return receipt requested. I tracked the letter via the online United States Postal Service website and noticed that LVNV received the dispute letter on XX/XX/2021. I was not contacted nor was my validation request honored within the 30 day timeframe. Therefore, I sent a follow-up letter on XX/XX/2021, which was received by the collection agency XX/XX/2021, to request removal of this information due to the company failing to respond. 

I finally received a response from LVNV in XXXX, however, it was past the 30 day mark. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. With that being said, I am requesting for LVNV to delete the disputed and unverified accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I financed a vehicle back in XXXX of XXXX a XXXX XXXX XXXX XXXX, for {$46000.00} when I purchased the vehicle from XXXX XXXX XXXX the dealership presented us with the car fax and showed that the vehicle had no accidents, the car was in " perfect condition ''. They also preassured us to financed the vehicle with the banks they offered, BMO Harris Bank. Recently we tried to do a trading on the vehicle, with a different dealership they checked the car history and it present that the car has been in an accident in XXXX. We tried going back to the original dealership where we purchased the vehicle. They essentially sold us a vehicle for a lot more than what it was worth and covered up that the vehicle had been an accident. The dealership told us there's nothing they could do about it. We spoke to the dealership manager and asked if he would've sold the vehicle for a lot less knowing that it had been an accident, his answer was yes. He blamed it on XXXX and then he proceeded to dismiss us by mention that vehicle might off or might not had an accident but the car in fact had a sever accident in XXXX in Michigan, there's police report, on record of this vehicle.

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 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I found some inaccurate information on my credit report from XXXX XXXX XXXX and reached out to them and Transunion, XXXX, and XXXX  to dispute. There was an investigation done and all the collection accounts from XXXX XXXX XXXX were removed. Now they have reappeared on my credit report with the exact same inaccurate information as before.

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 2021-10-21
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I mailed a cease and desist notice to Fair Collections & Outsourcing certified mail with green receipt # XXXX as shown in the attachment stating that they had 15 days to fulfill my demands.. I am notifying you in writing through this CFPB complaint, Pursuant to 15 USC 1692c ( c ) that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.My consumer report is a medium through which they are communicating negatively to the detriment of my consumer report and reputation. 

Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor. I demand all of the following regarding this account for this alleged debt.

-Audit trail of this account for this alleged debt that can include an ( entire file on me XXXX XXXX XXXX all documentary evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records, credit application ). 
-Stop all illegal negative reporting and communication to and with all consumer reporting agencies -XXXX out the balance on this account Failure to respond to my cease and desist and or honor my demands will result in me the consumer pursuing legal litigation. To ensure compliance with this letter, you are advised to send written reply stating, confirming and complying with the demands of this cease and desist. I am well aware of my rights and know that any further contact by this company, except a communication confirming acknowledgement of this letter, is in violation of the FDCPA. Failure to do so will act as further evidence of your infringement up XXXX XXXX consumer and legal rights. I will immediately undertake legal actions in order to protect my rights. I have attached a copy of the cease and desist notice that was mailed to Fair Collections and Outsourcing.

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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2021-04-21
Company: Colony Brands, Inc.
State: IL
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:
INFORMATION IN MY CREDIT REPORT IS INACCURATE, OBSOLETE, INCORRECT, UNVERIFIED, UNPROVEN AND NON COMPLIANT!! THIS INVESTIGATION WELL OVER 30 DAY 'S NO UPDATES REMOVE ACCOUNTS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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 am writing to dispute the account referenced XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the creditor as well as the credit reporting agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt. Stop reporting this information on my credit report for failure to legally verify. Please see the attached letters which are dated and time stamped.

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 2022-11-11
Company: EQUIFAX, INC.
State: NJ
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 unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Coinbase, Inc.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear, I'm XXXX resident and opened an account on Coinbase on XX/XX/XXXX of this year after identity verification. 

Coinbase revised once my account from XXXX and after more than one month I claimed it. Without providing any more documents, on XX/XX/XXXX I could use my account. Until today they didnt reply the checking standards. 

To my surprise a couple of days ago, they blocked again my account using the same excuse. After several emails, Coinbase support informed issue resolved but in fact still not. Until today I can not use it. 

The XXXX XXXX is very changable and if the operations are delayed I may lose a lot money. I strongly beg Coinbase to inform clearly : 1- What are their standards to check accounts? 
2- How often do they check the same account?

3- How do they check accounts? Are they asking the users to provide some documents? If not, how do they revise the account? 

Hope to receive their reply asap. 

Many thanks and regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-30
Company: PNC Bank N.A.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company keeps calling my boyfriend and telling him that I owe certain companies certain amounts of money. The guy is giving him company names and amount details. 
I returned the mans call the first time he called my boyfriend and said I wasnt allowed to have calls during work hours. He said I was lying. He continued to call me multiple times a day even though I answered. I asked several times for physical copies of the bills he has told me he does not have to provide that and that there isnt a supervisor that would want to talk to me. I have asked him to stop calling people I know and he said he would then he did it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Experian Information Solutions Inc.
State: LA
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:
Hello XXXX XXXX # XXXX I have received your request for the return of the property leased through XXXX XXXX. Thank you for getting those pictures sent in. 

The following options are available to you : Unfortunately, we do not have a pickup team in your area. 



Settlement : We can offer you a settlement of ( $ XXXX+tax ) Payment of this settlement will allow you to keep the property and ownership will be transferred to you after the amount is paid in full. A payment plan can be set up for the settlement amount if you choose to settle. If this is your choice then please call us to work out a payment plan that will suit both you and XXXX. 

We will await your response within the next 48 hours. Please get back with us either by replying to this email or calling us at XXXX Monday-Friday XXXX XXXX XXXX MT Thank You, XXXX | XXXX XXXX  : XXXX l F : XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX | XXXX -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : XXXX XXXX [ XXXX ] Sent : XX/XX/2021 XXXX AM To : XXXX Subject : The gold has splashes of silver which may be aluminum the dealer told me it was XXXX k he agreed to make it correctly and do it over it doesnt fit and its not white gold like Ive asked it has blue vvs1 diamonds he agreed to redo it Friday white gold with blue diamonds the mold was hurting cus it wasnt fit correctly so it fit the moldinind wasnt done properly so it hurt if I try to wear it I can not fit it my first time I forced it on with a towel n pushed hard with all my might and I couldnt get the grill off my teeth fit 3 days and had to get meds for my teeth nerves were hurting my gums Sent from my XXXX ref : XXXX : ref

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 never been late with this accounts, and please update it, and I always paid on time that's why this is 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 non-monetary relief
Consumer complaint received 2021-04-21
Company: BAM Management US Holdings Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On XX/XX/21 I attempted to deposit {$500.00} into my Binance.us account via the XXXX app. Upon hitting submit I received an error message that said that there was a network failure. I attempted to submit the transaction a second time and again received a network failure message. I then returned to the dashboard page of the app and saw that both transactions had actually processed. I immediately attempted to contact via the only means available, a form in their help section and received a template troubleshooting email in response. All other attempts to contact the company to rectify the problem have failed or been ignored by Binance.us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Fairway Capital Recovery, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I spoke with a lady by the the XXXX with Fairway Capital Recovery ( collection company ) and she said a copy of the letter was sent on XX/XX/XXXX of XXXX to XXXX XXXX place in XXXX in XXXX. XXXX she said this because we didnt even close on this home until XX/XX/XXXX of XXXX. She was recording this phone call and it was right at XXXX XXXX. 
I then hung up and called XXXX XXXX XXXX and paid that bill for XXXX with a confirmation number of XXXX. This bill was disputed in XXXX of its original amount because the utilities were kept on for over a month after I had left the home as the lease was ended. The leasing company advised me that I never requested that I stop services. Does anyone leave utilities on after they move??? I know I didnt for fact. Anyways I cant prove this from 3 years ago. Total XXXX. So I woke up this morning with a credit alert that there was a collection on my credit report. I then called the collector Fairway Capital Recovery back. I informed them the bill was paid and asked to speak to the manager ( XXXX I was told her name was ) however she was unavailable to speak. Apparently she is the one who has the authority to remove this from my credit report. This is not fair to me. XXXX XXXX kept my deposit and I had to just pay XXXX. That a total of over XXXX dollars that is gone. I probably owed maybe XXXX but not over XXXX. I have disputed this account with XXXX and this collection company before hoping for some sort of fair amount that should be paid but today unfortunately I lost because without any notice to me it appeared on my credit report. This is not fair. I received no letters in over a year. No phone calls. No certified letters. No emails. NOTHING. I paid the disputed balance to XXXX directly and told them this is inappropriate. I demand that The FairWay Capital Recovery remove itself from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: FORD MOTOR CREDIT CO.
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:
I have new and updated information. FORD MOTOR CREDIT CORPORATION/XXXX FORD CREDIT replied to CFPB Complaint Number XXXX, but was noncompliant to the requested documentation per the Cease and Desist in which they received on XX/XX/2021. FORD CREDIT failed to provide documentary evidence to prove that they had any legal right to initiate this fraudulent transaction pursuant to the FDCPA. Thier Failure to produce this documentation is a violation to my consumer right to validate this fraudulent transaction, which I the consumer DID NOT authorize or consent ; no consent is identity theft. 

FORD CREDIT provided false and misleading information by stating " the disputed inquiry does not appear on your credit report at this time ''. The attached exhibit titled " Experian Consumer report Reflecting FORD Inquiry clearly displays the inquiry on mt consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now. 
nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation