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

Complaint:
I have contacted this XXXX and Transunion for the last times on XX/XX/23 to get the method of verification for the bankruptcy that is currently on my credit report. The information reporting as accurate are both reporting different reference numbers and court names. I sent them both a certified letter a few months ago and have yet to receive a response or a update to my credit report. I am requesting a deletion of any and all reporting of bankruptcy and {$5000.00} for monetary relief for the humiliation, defamation of character, and consumer violation of rights due to this being on my report. Ive been denied extensions of credit I am unable to get financing for a vehicle. Its causing stress to me. I will be filing a claim if there is no relief to this ongoing problem.

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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This situation is causing me significant distress, as I have always paid this account on time and have never been late. It is frustrating and ridiculous to see this error on my credit report, and it is affecting my ability to sleep properly. I am earnestly requesting that you update my account as soon as possible to rectify this issue.

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 2023-05-08
Company: Biehl & Biehl, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Last week I received a collections notice from Biehl and Biehl regarding an incorrect charge. I responded with a letter stating that I was disputing the charge and included a full explanation of events. The next day XXXX XXXX from B & B called my office and she asked an employee of mine for the company email, which he provided, and then she asked to speak to someone about billing. That would normally be our bookkeeper but since I happened to be here I took the call. She informed me that I needed to pay {$400.00} today or " there would be consequences '' and I would end up paying even more. I informed her that I was disputing the charge and she continued to argue with me and tell me that even though the amount was never communicated to me I was still responsible for it. Almost immediately after that conversation she sent an email to the general mailbox for my company telling me my dispute is not valid. She attached a doctored version of the bill of lading that had additional information on it that I had never seen and was not on my copy. She also doubled down on her threat, writing that if I did not pay " obviously there will be consequences ''. When my employee read this and responded that it was inappropriate to send a collections notice to a general mailbox that was not my email, she replied, " This appropriate- I was given this email for XXXX per an employee. It seems Inappropriate that you would email me when I was told this is her email. '' I then responded to her email and told her that it was not my email address and also that her " evidence '' was something I had never seen and was different from the signed copy in my possession. She replied " This is a commercial debt. The FDCPA does not apply : it is funny because You are responding from the same email. '' I don't see what can possibly be considered " funny '' about any of this, or how a collections agency representative can communicate in this way. She still has not provided any proof that I owe this debt, but she has continued repeatedly calling both my job and my cell phone. She mentions a written quote but I had never received anything at all in writing from this company until they started sending me invoices and when I tried to contact them to find out what the invoices were about I was unable to get a hold of anyone. I never agreed to anything and I never signed anything. When an employee of mine informed her that I wasn't in the office she kept grilling him on when I would be there and wouldn't let him hang up. She then called my cell phone and left a message stating that I needed to take the offered settlement to " avoid an even more costly problem. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting 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:
XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Account Details Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Credit card XX/XX/XXXX Closed Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX  48 % {$1400.00} XX/XX/XXXX XX/XX/XXXX {$3000.00} - {$1400.00} {$1400.00} - Individual Inquiries XXXX XXXX XXXX Inquired on On record until XXXX XXXX XXXXXXXX Inquired on On record until XXXX XXXX Inquired on On record until XXXX > XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on On record until XXXX XXXX Inquired on On record until XXXX Inquired on On record until XXXX Inquired on On record until XXXX XXXXXXXX XXXX Inquired on On record until XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX I ask that alll these inquires be removed from my credit profile as this is a defamation of my character and not allowing me to get new credit or home loans thanks 30 days from this day I will need information about this matter or I will be forced to sue!

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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am writing to express my ongoing frustration and disappointment with the outcome of my second attempt to remove fraudulent items from my credit file. Despite providing comprehensive documentation and diligently following the necessary dispute procedures, the fraudulent entries persist on my credit report, posing a significant threat to my financial well-being. 
I am deeply concerned that despite my sincere efforts to rectify this issue, the fraudulent items persist on my credit report. This situation has significant implications for my financial standing and security, making it imperative to resolve this matter promptly. 

I kindly request the following actions : A thorough and immediate reevaluation of the documentation provided in support of the dispute. 
Removal of the inaccuracies associated with the fraudulent items from my credit file. 
Clear communication regarding the resolution and the steps taken. 
I have attached copies of the supporting documentation for your reference during the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/2023 a certified letter was sent to equifax informing them that there was a number of inquiries on my credit report that was not authorized by me. they recieved the letter and to this date they have NOT removed these or inquires or have responded to me in any way. Im asking these inquires be removed and equifax be fined. 

This lack of doing the right thing has cost me a denial of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from Resurgent Capital Services alleging that I owe them a debt. I have never heard of this company or did any business with them. The letter they sent me included multiple violations of my consumer rights.

15 U.S. Code 1692 ( c ) ( a ) Communication in connection with debt collection.

15 U.S. Code 1692b ( 2 ) - Acquisition of location information.

15 U.S. Code 1692b ( 5 ) - Acquisition of location information.

15 U.S. Code 1692d - Harassment or abuse.

Resurgent claims that they purchase the debt from XXXX XXXX XXXX. ( XXXX XXXX XXXX has been paid ). A letter of assignment was requested showing that they have been assigned to collect the debt and a validation of they debt, but the information was never furnished to me. Resurgent sold the debt and place the debt on my credit report without proof of ownership and a debt being owed to Resurgent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection company sent a letter to my friend, telling me that I need to pay a debt with {$270.00}. I never lived on that address, but I opened a credit card with that address. The company 's name is XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX, the account number is XXXX, the debt amount is {$270.00}, the original creditor is : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 demanding to delete this inaccurate information left on my credit report. Me, as a consumer have rights under FCRA, FDCPA and plenty others. However, I have closed account with XXXX XXXX XXXX in which I closed it XXXX of 2023. Before, I closed the account there was a late payment on my credit report which is completely incomplete, inaccurate and incorrect which the laws states under FCRA it must be accurate and fair. In this case- you can not say I am late 30 XXXX, 60 in XXXX, XXXX ( blank ) then XXXX  120 days. Thats reporting inaccurate information and violation fcra regulations as a consumer that I am. I have disputed this account numerous times and came back verified. this is last stretch getting this account deleted from All 3 ( Transunions, XXXX and XXXX ) before I take further steps on suing these folks for not doing their job under 15 us 1681s-2. 

XXXX XXXX XXXXXXXX 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 2023-03-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX breached it own contract. All parts were NEVER delivered yet i was charged. Even though they explocit state in the contract that payment is not due until all parts are delivered. Its been 5 years and i still have received the part. I will continue sending complaints until the tradeline is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
XX/XX/XXXX applied for Wells Fargo Credit Card ( personal use with spouse as co-user ) Letter dated XX/XX/XXXX from Wells Fargo " Action needed '' Identity can't be verified and to call XXXX number, called and was told to fax copy of Drivers License and copy of utility bill. I do not have a Fax so made an appointment at local Wells Fargo bank to fax information. 
XX/XX/XXXX faxed Drivers License and utility bill ( from Wells Fargo bank XXXX XXXX NC ) receipt confirmed. 
Letter dated XX/XX/XXXX from Wells Fargo " Decision '' Identity can't be verified and unable to approve. 
Called W-F XXXX number again, was told by W-F operator XXXX that the application will be reviewed and Faxed information ( sent on XX/XX/XXXX ) will be reviewed. 
Letter dated XX/XX/XXXX from Wells Fargo " Action needed '' Identity can't be verified and to call XXXX number. Called XXXX number again, was told that they could not verify address from faxed information. ( both Drivers license and utility bill had address correct and matching address of my residence. ) I was told i would have to send an addition utility bill ( fax ). I told Wells Fargo representative to cancel my application. He told me they could not because it was in process and that they would put in a request to cancel the application. ( noting that the letter dated XX/XX/XXXX stated the to provide the information by XX/XX/XXXX or application will be declined. I asked to escalate the issue that i wanted the application cancelled immediately as i no longer would like to do any business with Wells Fargo. and again was told I could not cancel the application because it was in process, but they would put a note in file to cancel the the application due to consumer request. 
Letter dated XX/XX/XXXX from Wells Fargo " Action needed '' Identity can't be verified and provide information by XX/XX/XXXX So is had become very obvious to be that Wells Fargo does not listen or does not follow through with request of their client or potential customers. 
They have gone totally against my request and extended this application. 
This application could potential affect other credit application, credit score and my ability to get credit.

I want Well Fargo to Stop any application for credit with them and remove the pending request and to remove any such record on my credit report.

Well Fargo should be also giving negative rating for their handling of this issue.

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 2023-05-08
Company: EQUIFAX, INC.
State: VA
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 implore you to take action and remove these fraudulent accounts from my credit report. I have never authorized anyone to use my account and it is completely untrue. Please eliminate these deceitful accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Atlanticus Services Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I tried making a payment on this account multiple times last year and I could never access the system. The creditor could not pull up my information and when they found my name in their system the refuse to speak with me because they adviser the date of birth on file and social does not match what I provided to them verbally. This accout Has caused my credit to drop significantly and has also hindered with creditors. I would like this account removed from my credit reports The creditor is FORTIVA XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had the Wells Fargo account open since XXXX, they told me if I had a direct deposit from my work, or if I have a automatic transfer money from checking account to savings account minimum of {$25.00}, there's no monthly charge or fee for my bank account, but I still got charged

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 2023-03-23
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This tradeline needs to be removed. A JUDGE declared iM Court that I am no longer responsible for this account. This was orginally a victoria secret account, then sold to XXXX XXXX and then to commentity bank. It was dismissed making me no longer liable for account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Southwest Credit Systems, L.P.
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:
CEASE AND DESIT XXXX XXXX XXXX XXXX to a willing person, it is not a wrong SOUTHWEST CREDIT SYSTEM company this is a written request for you to cease and desist all forms communication with me effective immediately. 
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt. 

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 


Furthermore you have no jurisdiction or authority to collect on this allege debt. 

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You SOUTHWEST CREDIT SYSTEM knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON XXXXXXXX XXXX XXXX XXXXXXXX Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.

Company response to consumer: Closed with explanation