BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 an 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 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 2022-12-07
Company: Experian Information Solutions Inc.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 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 2019-03-22
Company: Experian Information Solutions Inc.
State: NC
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 mailed a certified letter to Experian and XXXX  see attached document. 

I asked Experian to remove the XXXX account from my report. I Asked that they send me the actual signed contract or it needs to be removed because it is being reported inaccurately I wrote XXXX and ask them the same including an account for XXXX XXXX XXXX XXXX. 

The have yet to verify these accounts

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 2020-02-26
Company: Resurgent Capital Services L.P.
State: MI
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 complaint is in regards to the fraudulent reporting of LVNV FUNDING LLC on my credit reports. I have contacted this company several times and nothing has been done to remedy the situation. I have attached credit reports which reflect the inaccuracy of their reporting along with the dates and the amount they claimed is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I went on a XXXX page to buy tickets to a sold out comedy show and was told to text someone for more information. I texted them and was given their PayPal email and paid them over PayPal, but they told me to label the transaction as type " Family/Friends '' and not the purchase of a product. They said they would send me the tickets once they received the payment and now they are not replying and will not send me my tickets. I tried to file a dispute with PayPal but they said the Purchase Protection Policy does not cover personal transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-24
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RECEIVED A LETTER ON XX/XX/XXXX STAMP DATED XX/XX/XXXX FOR GARNSHMENT LETTER GAVE ME 10 DAYS TO RESPOND BACK HOWEVER WHEN I CALLED THE SAME DAY XX/XX/XXXX I WAS TOLD THE FUNDS WERE ALREADY BEING GARNISHED AND THERE WAS NOTHING ELSE TO DO BUT PAY OFF THE BALANCE. I PAID OFF THE BALANCE AND WAS TOLD TO GIVE THEM FAX NUMBER AND THEY CAN FAX ME THE RELEASE OF GARNISHMENT IN 24 HOURS. XXXX HOURS LATER HAVE NOT RECEIVED ANYTHING AND KEEP CALLING AND GETTING THE RUN AROUND. ALSO THIS DEBT IS OVER 10 YEARS OLD WHICH IS ILLEGAL AFTER 4-6 YEARS. 
I ALSO FEEL ITS VERY WRONG TO GIVE US THE RUN AROUND WHEN WE ARE TRYING TO DO THE RIGHT THING. I ALSO EMAILED WITHIN THERE WEBSITE ASKING ABOUT PAYMENT ARRANGMENTS AND ALSO MORE INFORMATION REGARDING THE DEBT WITH NO RESPONSE BEFORE THE GARNISHMENT. THEY DID ALOT BEHIND MY BACK TO MAKE IT LOOK LIKE WE WERE UNRESPONSIVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had an account with XXXX and this account showed up on my credit reports earlier this year. I have contacted XXXX and submitted all info requested and contacted the credit bureaus to remove this information and this has taken more than 90 days without resolve. 

I did not open this account and never used the services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023, I recieved a money transfer of XXXX from a business client because I have a clothing brand, with investors. I met this man online, and he came over to take me to dinner. While I was in the shower, he took my debit cards, and my phone and on my phone, I have my personal information on there, passwords, and basically everything I need. My banks are on there, and banking information. He transferred the money to his Chime account, which I didnt understand how Chime allowed it to happen. Firstly, I got in contact with the police before I even got in contact with my bank since my cousin is a Police Officer. After, I got a lawyer, and he has every document involving this situation. I then contacted Chime a couple days later, and when I called, they helped me change my account information. Then I attempted to file for a dispute, only to find out, he tried to get money back, so he already filed a dispute so I had to file a rebuttal. Mind you, to file a dispute, you have to call Chime so I dont understand how this got pass them since he has a male voice. My other banks, red flag voices. But, they denied my rebuttals, although this clearly shows none of these transactions were mine. I have a good standing with Chime, and nothing like this has ever happened on my account. Another thing is, I havent sent over any documents to Chime because my lawyer hasnt allowed me to yet, and I made sure Chime knew I was so before denying a rebuttal, I believe they would have to look at everything first. I believe this dispute is being wrongfully denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: SUNRISE CREDIT SERVICES, INC
State: VA
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/XXXX, Sunrise Credit Service, added a collection to credit report. The account reference relates to a XXXX account. 

XXXX has not provided evidence of the debt owed neither any of their collection agencies. I've previously disputed this information and no-one has been able to provide the documentation related to : 1. Ownership of this account 2. Balance owed ( including payment history ) I am tired of dealing with credit bureaus because they are not addressing my concerns, meaning disputing inaccuracies.

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 2021-11-24
Company: Westlake Services, LLC
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any updates at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Experian Information Solutions Inc.
State: MI
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:
There has been two disputes that I have sent in with Experian, asking to provide the original contract and also to delete the following accounts because of illegal collections fees. The original contracts have not been sent and the following items remain on my credit report which I have disputed. The accounts are as follows XXXX XXXX XXXX, XXXX & XXXX and 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 2023-07-02
Company: Credit Control, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeatedly getting calls from them, had to block the multiple phone numbers that they call me from. XXXX & XXXX are they newest ones.

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 2023-07-02
Company: CREDIT ACCEPTANCE CORPORATION
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: Account status incorrect

Complaint:
I opened an account with credit acceptance corporation in XXXX. I gave the car back in XXXX XXXX. I cancel the registration couple of months later. I thought it would be a voluntary repo. It turns out that it's been going on my report as a delinquent account I and have a number of late payments that continue to accumulate. I have disputed this matter a number of times with no results in XXXX I was offered a settlement offer from credit acceptance for XXXX I was to pay that by XX/XX/XXXX which I did they sent me the paperwork satisfying that account still the company has not removed it after numerous calls XXXX will not remove it after numerous disputes.

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 2023-07-02
Company: Spring Oaks Capital, LLC
State: MD
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:
On XX/XX/XXXX I attempted to retrieve information from a reporting company i have no knowledge of that reporting a charge off on my credit profile. The company updated my credit report which manipulates the statute of limitations as well as never produced the proof of this alleged debt. Thus violating 15 USC 1692 ( e ) false and misleading representation and 15 USC 1692 ( f ) Unfair practices. Springoakcap is the company that is violating my rights to privacy under the Privacy Act of 1974 due to not providing the evidence of myself and the company doing any business together and possibly acquiring my personal information illegally. Also, violating federal law 15 USC 1681 not reporting information that is 100 % accurate. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, i can only presume that no proof of the alleged debt or any debt means no debt exists. 
Please remove this charge off from my credit report immediately because it is damaging myself and my families well being. 
Sprinoakcap charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: MA
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:
Credit Report Reference number : XXXX As I was going through my most recent credit report, I discovered some innacurate and incorrect information on my report. I have done my best to resolve this issues with the reporting agencies but they have not taken care of the problem. 

The following are the accounts that I am concerned about and believe that they are innacurate. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( I ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see XXXX XXXX ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Account # 's : XXXX XXXX - XXXXXXXX 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 According to Fair Credit reporting Act ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

* Please also remove all non-account holding inquiries over 30 days. 

I will be waiting to hear from you soon about the resolve of this issue. 

Signed : XXXX XXXX. XX/XX/22

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 2023-07-02
Company: Velocity Portfolio Group
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This accounts was closed by the company I had the card with and they wrote it off and now this new company is saying I have to pay them for it witch is not true when the card company wrote it off

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Subject : Dispute of Unauthorized Hard Credit Inquiries under the FCRA I am writing to formally dispute several unauthorized hard credit inquiries that have appeared on my credit report. I believe that these inquiries were made without my consent and in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. 

The unauthorized hard credit inquiries in question are as follows : 1. XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX 2. XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX 3. XXXX XXXX XXXX XXXX ( BANK ) XX/XX/XXXX 4. XXXX XXXX XXXX ( BANK ) XX/XX/XXXX 5. XXXX XXXX ( FINANCE ) XX/XX/XXXX 6. XXXX XXXX  XXXX ( XXXX ) XX/XX/XXXX 7. XXXX XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX I have not authorized these inquiries, nor have I had any business or financial relationship with the listed creditors that would warrant such inquiries. According to the FCRA, a hard credit inquiry can only be made with the consumer 's consent or in connection with a legitimate business transaction initiated by the consumer.

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 2023-01-06
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV
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 periodically check my credit report and found an account that I don't recognize. This account is from Fair Collections & Outsourcing. I have reached out to them on XXXX XXXX, XXXX on this matter and informed them I do not owe this debt and to remove it from my credit report. They have not sent me a copy of the original application, therefore I am not liable for this debt. They have been constantly calling my phone everyday through out the day and it is causing me a lot of stress and anxiety. Please help in this matter. 

XXXX Fair Collections & Outsourcing XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX Ph # 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
Consumer complaint received 2021-11-24
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX Stay from XXXX - XXXX {$1700.00} We had to stay an extra night due to the storms in XXXX which the hotel was aware of. 
We were essentially kidnapped from hotel that we believe was an inside job with the housekeeping staff. The morning of departure out of nowhere we were taken out of our room and arrested by the XXXX XXXX Our belongings/valuables were taken. We were put into a XXXX jail for XXXX days without food or water and held for ransom without contact with our family. They would only let us out if we paid cash, which we did not have on us. 

The " receipt '' I essentially received in my email from hotel does not match the amount that was charged onto my credit card. The credit card keeps saying that the charge is " valid '' and that I was reimbursed for the charge. They will not provide us any proof of why this charge is valid after asking multiple times. There is no reimbursement on any of the statements and there is no receipt for any reimbursement. Also when I first initially contacted chase- they could not even locate the letter they had sent me saying that I had been reimbursed. I am asking for the charge to be taken off of my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV funding LLC account number XXXX, has not produced any documentation of me doing business with them and they are still reporting on my account.

Company response to consumer: Closed with explanation