BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-29
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2015 I changed cell phone carries, XXXX XXXX to XXXX XXXX. While in the XXXX store located XXXX XXXX XXXX, XXXX, MO XXXX. It was required for me to pay the FINAL BILL with XXXX XXXX if I wanted to open my new service with XXXX XXXX. This transaction was completed at the store. It was confirmed with me and my husband during the transaction all was well. XXXX received confirmation from XXXX and my new account with XXXX was opened and completed. A year later I started receiving threating mail and calls for me to pay {$1100.00} to XXXX XXXX. After several long wait times and transfers to various customer agents and their managers nothing was resolved. I proved to them the final bill was paid at the store because I could see the deduction from my checking account. 

My goal is to have funds refunded to me for the stress and embarassment to me for this ongoing issue and the hits to my credit report. This is making my score remain under XXXX and it causing me not to be able to move forward financially. Please assist with the refund and/or total restoration of my credit report having this account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been in a constant struggle with XXXX  and their practices in reporting loan information. I have asked for information to be corrected in credit report to no avail. They have ignored my request for correction with document from XXXX indicating my loans were forbearance and still continue to report late. In addition all the response I receive from the credit agencies are changes to the terms. Which I am not aware of any changes on terms.

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
The Law states that my Transactions are not included in the Consumer Reports. A payment history is a history of all transactional payments. A late payment is only a factor of F.I.C.O. yet it's being reported illegally on my Consumer Reports.

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
this involves XXXX  XXXX  XXXX  it all happen back in XXXX of 2020 when my business was mandatory shut down but the governor of new york my company was closed for 4 months with no income, XXXX  XXXX  offered me a 3 month forbearance plan, all good till then after the 3 months they gave me another fornberance plan but they never told me it was a month to month basis, all of the sudden i get a bill for {$2600.00} with late fees and interest charge and they reported my credit bureaus 30 days late when i found out i called them and they said they would put me on a 60month payment plan and once i made my first payment and accept the terms all this would go back to normal as of now i have made 2 payments and credit bureau is showing 120 days late if i knew this was going to happen i would if kept making my small minimum payment every month i had a XXXX credit score now because of them i have a XXXX credit score i don't think its fair what they did to 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 2023-10-23
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.

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 non-monetary relief
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: CA
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX ; XXXX XXXX  XXXX Ct, XXXX, CA, XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX  CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX CA, XXXX ; XXXX  XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; Bankruptcy XXXX  XXXX Date Filed XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Balance : {$340.00} ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: ALLY FINANCIAL INC.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Ally Bank held almost {$13000.00} of my money from a check deposit but never made the funds available to me for almost a month. 

I had to deposit a check that was made out to me and my partner, however we do not have a joint account. Ally Bank advised that we just needed to mail them the check with both of our signatures and a copy of my partner 's driver 's license, which we did on the 2nd week of XXXX. 

Called the bank the following two weeks with no update on the status of the check. On XX/XX/XXXX, I then asked the company who issued the check to just stop payment and wire me the funds. They informed me that Ally had already taken the money from the check on XX/XX/XXXX, which they did not inform me about, and Ally had not deposited the money to my account- and they never did. 

When I called to ask Ally, no one had an explanation on why they took the funds but did not apply it to my account. They then sent me a bank check for the amount which I tried to deposit to my account. They rejected it because they can not deposit Ally checks to Ally accounts (??? ). 

I have now closed my accounts with them, however, a month after this all happened, I can not stop thinking that this was an egregious lack of competence and should be investigated. 

They held my money- which was not an insignificant amount- for almost a month. They made it seem like they had not received my check yet but they had already taken the $ XXXX. They did not give me timely updates and repeatedly gave me bad, sometimes even conflicting, information. I do not understand at all how its legal for them to get the funds, hold it, but not transfer it to my account- effectively making it impossible for me to access it at all. It felt like my funds were being held hostage.

I am reporting this so that other customers do not have to experience this ineptitude and very shady business practice.

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 2023-06-06
Company: Source Receivables Management LLC
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: Problem with personal statement of dispute

Complaint:
I talked to some from Source RM today XXXX he informed me that I would have to write a letter to XXXX if I want a copy of the contract with my signature that's on that contract the Original Creditor Acct # XXXX SRM Account # XXXX in the Amount of XXXX So I am asking them to provide the contract they sent me a payment opion plan with No contract

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022 I recieved a notice from Franklin service Inc, about an alleged debt of XXXX and recieved another alleged debt amount of XXXX on XXXX XXXX. This company after calling and speaking to both a customer representative and manager, failed to contact/provide me with a written letter of rights within the specified time ( 5days ) according to the Fair debt collection practices act. This company is wrongfully claiming to have sent said letter, however when I asked them to provide proof showing this, such as a mail receipt they stated they could not and did not need to do so. I would like this company to show proof of a mail receipt showing that this letter was in fact mailed to my address for the amounts. If this company can not provide a mail receipt showing that a written letters of rights was intact mailed to my address, then they have infact violated my rights of the Fair debt collection practices act, and because of this, this debt needs to be discarded because of its lack of validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX XXXX XXXX XXXX Account # 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

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 2022-05-02
Company: Experian Information Solutions Inc.
State: NY
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-27
Company: John C. Heath, Attorney at Law, PLLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I entered into initial agreement to repair credit. CS Rep said she would forward copies of letters sent to creditors but I did not receive. Agreed to make monthly payment with an option to cancel. When I wanted to cancel i was unable to reach anyone at Lexington law except for new customer intake. I called numerous times and waited on hold for hours. Payments made XXXX and XXXX were charged back by my financial institution. No repairs were made to credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-20
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:
on XX/XX/XXXX i mailed in a dispute in reference to an account being collected by professional debt mediation account number XXXX as being a incorrect account number in the amounts of {$650.00} an {$580.00} i also spoke with someone at the credit reporting agency and i was assured that this matter would be reinvestigated and corrected and i recently recieved a reply back stating it has been certified an will remain on file when i know its reporting inaccurately, futhemore, i also disputed a public record filing [ chapter XXXX bankruptcy ] on XX/XX/XXXX which i requested verification of there method of verifying this information they failed to provide me with any documentation i aslo went as for as to provide the reporting agency [ experian ] with a copy of a letter i received from whom they claimed to have verified the info from stating they dont communicate with any third party creit bureaus along with a copy of a letter where i had a security freeze place on my XXXX/XXXX credit file and they still havent corrected the error

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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 XXXXXX/XX/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 2022-05-02
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My final Bill with XXXX was {$88.00} I had auto pay set up and I personally inquired on wether or not I needed to make my final payment before transferring my service to a different service provider. The representative I spoke with told me that the auto pay would still go through on the date it was set for. Well it didnt and I have relentlessly attempted to contact XXXX about my final bill. If you can imagine my surprise when this was put on my credit in the amount of {$180.00}. This amount is in excess of my final bill as I did not owe equipment fees or any other fees, just my monthly bill. I have since tried to access previous account information but XXXX refuses to allow me any access to previous billing history and once again I must star that I have not been able to speak to anyone about this. Now I randomly have Amsher Collection Service 's reporting this collection every month to the credit bureaus and it is affecting my credit derogatorily. My score literally plummets anywhere from XXXX points on any given day. Its causing me hardship. XXXX will bot allow me to access my account because it will prove I do not owe the amount being posted on my credit reporr.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been in a constant struggle with XXXX  and their practices in reporting loan information. I have asked for information to be corrected in credit report to no avail. They have ignored my request for correction with document from XXXX indicating my loans were forbearance and still continue to report late. In addition all the response I receive from the credit agencies are changes to the terms. Which I am not aware of any changes on terms.

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 2023-03-24
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Re : XXXX XXXX XXXX ( Primary Card Holder ) XXXX XXXX XXXX XXXX Barclays Bank Credit Card Division Card # XXXX We are Barclays Bank XXXX Credit Card holders. We have had the card for several years. On XX/XX/2023 we made a payment of {$150.00} on the Card. On XX/XX/XXXX we became aware through our bank- XXXX XXXX, that Barclays removed the funds from our bank. However- Barclays did not apply the payment of of {$150.00} to our account and withheld the available credit that the payment should have produced and indicated that the available credit that the payment should have produced - would not be forthcoming until XX/XX/XXXX. Upon knowledge and belief- Barclays has placed our {$150.00} into an interest bearing account along with thousands of other credit card holders while at the same time depriving us of access to our funds in the form of available credit. Besides denying us excess to our funds. In addition, this conduct also adversely impacts on both of our Credit Reports by artificially showing a lack of available credit- which is a key component of determining both the Vantage and overall Credit Score. In addition- Barclays conduct may also constitute Fraud under FTC regulations. Efforts to resolve this matter directly through Barclays. On two occasions on XX/XX/2023 - we spoke on the telephone with Barclays call line and related our concerns to both call center representatives- including two account supervisors ( XXXX was one ) their response- in the case of XXXX XXXX he hung up the phone on us. We fully intend to pursue the matter through the courts and will be filing a Federal Lawsuit in the XXXX North Carolina XXXX XXXX under provisions of the Fair Credit Reporting Act. In addition- we also intend to file a complaint with the North Carolina Attorney Generals Office of Consumer Affairs 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 explanation