BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
Company: RAS LaVrar, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice of case assignments for my filing demands for consumer arbitration with XXXX. To : XXXX XXXX, XXXX, RAS LaVrar , LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX. RE : your client XXXX XXXX XXXX, XXXX. Reference XXXX From : XXXX XXXX. Please take notice that on XX/XX/, I filed 4 multiple 25 + page comprehensive Consumer Demands For IN-PERSON Arbitration with XXXX  which have been assigned 4 separate case numbers which I will seek to be resolved in hearings with separate arbitrators. XXXX was served on XX/XX/XXXX  with all my 4 individual case filings and XXXX  other counsel has been communicating with XXXX to, among other things, pay 100 % of the filing and arbitrators fees as my consumer fees have been paid what is due. The arbitration cases relate to every one of my 4 XXXX accounts, including those that I have received notice that have been assigned to you as a Debt Collector, Including your files with reference numbers XXXX. I write to you as a courtesy so you can immediately communicate with your client to avoid duplicate, wasteful, unnecessary and improper barred communications for matters NOW handled by other law firms of XXXX. As you know, I have been demanding for almost a year that XXXX file its claims with the XXXX pursuant to the arbitration provisions. Due to XXXX failure to file its claims with XXXX, I had no other choice but to file claims myself as Claimant in 4 separate cases. I strongly suggest that you promptly recommend to your client that you proceed with your own claims in its own separate arbitration demand filings, the forum required by the arbitration clause written by XXXX. I demand arbitration! I will not tolerate any frivolous attempts to litigate disputes in courts and I will automatically and permanently STAY any attempts to bypass arbitration by XXXX  filing court complaints. Lets Arbitrate! Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Zions Debt Holdings
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Zion Debt Holdings has failed to do any of this. As they are a 3rd party debt buyer. They have not shown cause to report this debt, or prove they are the owner of said debt. 

Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. 
If a debt collector sends you a validation notice about a debt, it means they have satisfied their requirement to contact you and, in general, can begin to report the debt to credit reporting companies.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: U.S. BANCORP
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2022 I applied for a credit card with US Bank requesting a credit of {$25000.00} to take advantage of twenty one month no interest to pay several high interest rate loans. I removed the block on the credit reports. On XX/XX/2022 I was approved for {$7200.00}. I called US Bank several frustrating times using multiple numbers or a two day period. I endured at least twenty minutes before speaking with a live agent. When I finally spoke with a live agent I explained to customer service then again to its underwriters that my credit score at the time was around XXXX with a perfect or excellent pay history. {$7200.00} is not enough to pay the debt. I was told I need to ask for a credit line increase maybe and my credit report had to be pulled again. I submitted over the phone another application and my credit were pulled and US Bank was denied access because I have a block on my credit reports. Now US Bank denied a credit line increase because it could not access my credit report. No information has changed since the last credit inquiry a few days ago and as it is common knowledge credit report inquiries reduces the credit score. US Bank has the refused to restore the points by removing the inquiry or increase my credit line.

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 2017-11-27
Company: Jon Barry and Associates, Inc.
State: FL
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:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXX {$500.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from  identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX {$500.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Cpaital one account was charged off greater than 6 years ago and continues to report monthly. Limits within my state is 5 years, will not take off credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Other problem getting your report or credit score

Complaint:
I have been trying to get a credit report for the last few years from Transunion and I get the same run around every time. 
Annualcreditreport.transunion.com tells me " We are unable to complete your request online '' OR " We are experiencing technical difficulties '' and then they proceed to tell me to call their number. 
So I go directly to Transunion website and sign up for an account with all my credentials after entering the site there is no info at all about my credit history on their site. So I try calling their number to request credit reports, they ask for my name, Say your name then spell your name so I do clearly, " My name is XXXX XXXX, XXXX XXXX '' Letters show up at my house with inaccurate names on the letter. Addressed me as XXXX XXXX and XXXX XXXX. 
So I call their offices and explain the problem, they tell me they will investigate the problem and someone will call in the next few days with an answer, No one ever called me nor emailed me. 
So I go back to Transunion website, when I go to login to the site it now tells me " Invalid Credentials : Please Try Again ''. How are they invalid? I just signed up and wrote down my information. 
So I try the " Forgot your Login Information '' and the site just blinks and wipes out the information I just typed in. 
I get this every time I try to get a credit report from Transunion. 

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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

Collectors are required by Fair Debt Collection Practices Act to send you a written debt validation notice with information about the debt they're trying to collect. It must be sent within five days of the first contact.

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 2023-05-13
Company: Experian Information Solutions Inc.
State: GA
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:
The credit bureaus is reporting my name wrong and they refuse to remove it. I have sent in multiple letters asking them to update the correct spelling of my name and they refuse to do it. This has been a frustrating process and its hindering me from moving forward. The credit bureaus is violating my right by reporting inaccurate information on my credit file. 15 USC 1681 ( a ) ( 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. 
The credit bureaus did not do their investigation.

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 2022-05-21
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-05-20
Company: Statebridge Company
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I originally had my mortgage with Statebridge Company starting on XX/XX/XXXX. My loan was sold to XXXX on XX/XX/XXXX. I received a letter from XXXX stating that my XXXX mortgage payment was to be to them and not Statebridge. I paid my XXXX and every payment after to XXXX on time. Statebridge did not update my account to show my loan was no longer active with them. They then reported my account delinquent for XXXX and XXXX. This action caused my credit score to plummet XXXX points. My credit score was XXXX before this happened, I worked hard to get it to that point. I opened a dispute with XXXX about this error on XX/XX/XXXX. I sent the letter I received from XXXX as documentation for the dispute. It was not corrected. I called Statebridge and they refused to send me a letter to say my account was closed and was not delinquent. I opened another dispute on XX/XX/XXXX. I called and emailed Statebridge and they finally sent a letter stating that follows : A review has been made to past reporting of your account to the credit bureaus. The review was specific to the following and the actions taken regarding the discrepancies are identified : Dispute : The Borrower is requesting negative reporting for XX/XX/XXXX to be removed and update loan as service released as of XX/XX/XXXX Review Findings : The Loan was reported late for XX/XX/XXXX due to a delay in the Statebridge system to update loan as service released Corrective Action Taken : A correction was submitted to the credit bureaus on XX/XX/XXXX nd XXXX to update the loan as serviced released and removed negative reporting for XX/XX/XXXX from the borrowers account. To obtain a status with the credit bureaus in regards to this correction, you may use the AUD Control Number : XXXX ; which is the reference number associated with the correction. 

The delinquency was not corrected. It still says my account was 30 days late and this will stay on my credit report until XX/XX/XXXX. I have opened yet another dispute on XX/XX/XXXX. I called Statebridge and they said they have responded to XXXX and have made the correction. The dispute is supposed to be resolved by XX/XX/XXXX. This has taken time and energy and a mental toll on me to get this corrected. I feel this error was not taken as serious as the consequences it caused me with my credit. I feel the representatives at Statebridge and XXXX did not take the proper steps to have my account corrected quickly and with good customer service. I do not feel like this resolution was a priority and it should not have happened in the first place. This has caused my undue stress and frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Experian Information Solutions Inc.
State: MS
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 have submitted several attempts to ask credit bureaus to fix a simple with an account with XXXX XXXX. They continue to report this account late, and have shown late for several months. The account says payment not due until XXXX/XXXX/9999. I was under assumption I had until XXXX/XXXX/9999 to make payments. They havent told me or mail me anything stating anything different. Credit bureaus has ignored my response and continue to report this account inaccurate.

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 2022-02-10
Company: JPMORGAN CHASE & CO.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My ex-spouse used my identity to open accounts without my knowledge while we were separated. I completed an identity theft report and sent it to the creditor. They still have not removed it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: DISCOVER BANK
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:
I am writing to request an accounting of the amount owed under the security agreement between us, as governed by UCC 9-201. As a responsible debtor, I believe it is important to ensure that both parties are aware of the exact amount owed, as well as to verify that your records are accurate.

Accordingly, I am requesting that you provide me with a statement of account that includes the amount owed by me, the amounts I have paid, any credits or offsets against my account, and the remaining balance owed by me. Pursuant to UCC 9-201, I am entitled to receive this information at any time before my debt is fully satisfied.

I am requesting that your company send me a full audit trail of my COMPLETE file, transactional history NOT bank statements, and accounting ledger that is authenticated by a secured party pursuant to U.C.C 9-102.

UCC 9-201 is a section of the Uniform Commercial Code, which governs secured transactions in the United States . It outlines the rights and responsibilities of both secured parties ( creditors ) and debtors in these transactions.

A " request for accounting '' under UCC 9-201 refers to a request made by a debtor to a secured party for an accounting of the amount owed under a security agreement. This request can be made at any time before the debtor 's debt has been fully satisfied.

Once the request is received, the secured party must provide the debtor with a statement of account that includes the following information : The amount owed by the debtor The amounts paid by the debtor Any credits or offsets against the debtor 's account The remaining balance owed by the debtor The secured party is required to respond to the request for accounting within a reasonable amount of time, and failure to do so may result in legal consequences.

Please note that if this information can not be provided, I kindly request that you delete this account from my credit report as it is my right as a consumer to ensure that my credit report is accurate. I am confident that you will respond to my request in a timely and professional manner as I understand that you have certain obligations under the law.

Company response to consumer: Closed with non-monetary relief