BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
TransUnion has used improper use of my report as well as inaccurate information : 15 U.S. Code 1681i Treatment of inaccurate or unverifiable information : If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

15 U.S. Code 1681b - Permissible purposes of consumer reports : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681- Congressional findings and statement of purpose : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-16
Company: Experian Information Solutions Inc.
State: PA
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:
I XXXX XXXX Currently have two fraudulent account appearing on my credit report I have attached supporting documentation. 


1. XXXX XXXX XXXX {$220.00} 2. XXXX XXXX XXXX {$280.00}

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 a living person. I have rights under 15 USC 1681 The 3 major credit bureaus are govern by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. Furthermore in regards to these accounts below : the " date opened '' dates do not match across the 3 bureaus. In addition, multiple accounts with late payments have inaccuracies in regards to how many days late these accounts were paid. For example, many are reported being 30 days late on 1 credit bureau but that same account is being reported as 60 days late on another credit bureau. How can this be? 

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 Please note these are not the full account numbers. They contain XXXX  at the end of each and will not be given here in order to protect my personal information.

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 2023-06-23
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached XXXX FTC reports with fraudulent unauthorized inquiries

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 2023-05-02
Company: TMX Finance LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023 received a letter indicating Notice of Data Breach with Title Max

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
3rd Reinvestigation for XXXX XXXX XXXX this account and delete as soon as possible, because this account is pass the statute of limitation to collect for the alleged debt, for reporting inaccurate balance which is a nonfactual account.

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 2017-04-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I received a notice to appear in court and I filled out a paperwork showing that I could not afford to repay. They then told me because I owed more than my income that they were not going to force me to repay but I said that I would agree to pay something XXXX monthly as long as they did n't report to credit reporting agencies. They told me that they do not report to any reporting agencies so I voluntarily agreed to pay such amount. One year later I notice that the collection agency as reporting payments as a collection so I called them on phone and they denied reporting and that they did not know who was. So I do n't know how to get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX I received a letter with a debit card attached with my name on it from USAA. I am neither a veteran or a family member of a veteran, as well as this letter was sent to my parents address not my legal address. I will attach a picture of said letter as well. On the same day I called 4 different USAA customer support lines in an attempt to resolve the issue. On the fraud line I was on hold for 90 minutes of the 180 minute wait time before the call just dropped. This also happened with similar results on 2 more of the 4 customer service lines I called in an attempt to report this fraudulent account. On the XXXX of XXXX I recieved 4 more letters from USAA stating the newly opened account has been overdrawn by more then {$400.00} combined between the letters and that I am to settle this amount as soon as possible or they will close the account ( which is not mine ) and report my debit to a collection agency. This time I called a number on said letter, listed as a customer support line, I spoke with a XXXX twice and a XXXX once, both very insistent on getting my full account number ( which I don't have because I don't have an account with them ) or my full social security number ( which I refused to give over the phone ). They both ended up " transferring '' me, resulting in a 2 hour hold period ending in a dropped call at the 140 minute mark. I called the fraud line again this morning to hear there is an 8 hour wait to speak with someone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Fraudulent charges were made to the following accounts. 

The statue allows for multiple reinvestigation. 

Account name XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXXXXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name PA XXXX XXXX XXXX XXXX Account number Last XXXX XXXX Account name PA XXXX XXXX XXXX XXXX Account number Last XXXX  XXXX Account name XXXX XXXX XXXX Account number 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 2023-02-27
Company: Genesis FS Card Services, Inc.
State: NC
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:
Genesis FS Card Services XXXX XXXX XXXX XXXX, OR XXXX is applying a 14-day hold to ALL of my payments under the pretense of ensuring the transaction clears my bank. This is 100 % a lie. The payments being made are coming out of my checking account directly in one or two days at the most. Additionally, this Credit Card has very POOR English-speaking customer service agents that make discussing this impossible. If I were mailing a check, I would understand. I also pay my balances off immediately as this is my only Credit Card and I rely on its liquidity to use for various reasons. Additionally, Truth In Lending should require Genesis to provide some written estimate of when the payment will be applied. Instead, I have to call a non-English speaking person and ask when. Many times the males tell me this is a service that is not performed. It is only when I speak with a female, my request is provided verbally and the hold is placed at a maximum.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Southwest Credit Systems called me to collect on a debt from XXXX. The first time they contacted me they claimed to be calling from the State of California and were collecting information on pending litigation. Then after I cornered them on that lie, they pretended it was not one of their employees that called me, yet continued to harass me, claiming that they were collecting information on a future lawsuit. They also called my wife and XXXX year old daughters phones. I told them that I do not allow them to call anywhere except for my phone, they stated they would call wherever to collect the debt, I told them it was against FCRA, they stated it wa n't. Then I told them that I had not received a final bill from XXXX and I needed to verify since they had not sent me any paperwork. There have been days that they call 20-30 times if not more, I have yet to receive anything from them or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX Account number XXXX Case Name ( s ) & No. : Ally Financial v. Alberta Haskins ; Case No : 16JE-AC01713-01 Jurisdiction : XXXX Judicial Circuit Court for XXXX XXXX , Missouri Products/Services Involved : Collateral Repossession Laws This account Is part of a CLASS ACTION LAWSUIT that I am apart of and I need this account REMOVED IMMEDIALETY. As per the FCRA, you are required to REMOVED this account per the CLASS ACTION LAWSUIT.

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 2023-10-29
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX. XXXX Spoke to XXXX , she informed me she would mail out a form for me to fill out & then she would ensure account was deleted for identity fraud. 

XXXX XXXX I called to follow up and spoke to supervisor and he informed me account was sold to XXXX XXXX XX/XX/XXXX. 

I informed him that it was not my account.

I then was told I needed to call this company and have them delete it.

I spoke with the company, they told me they would delete it, but account is still reporting to all credit companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XXXX  closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used XXXX  quite frequently. My email linked to my XXXX is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Skrill USA, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a notification XX/XX/21 from the major 3 credit bureaus ( XXXX, XXXX & XXXX  ) that a debt was owed from collection agency XXXX XXXX. There's no contract with this collection agency that shows I owe a debt. Collection agency doesn't have the right to collect if there's no legal binding contract signed by me or any company I represent showing I owe XXXX XXXX. This collection agency XXXX XXXX also violated Section 623 of Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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 the list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Accounts # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX 15 USC 1681 section 604 A section 2 it also states a consumer reporting CAN NOT FURNISH AN ACCOUNT WITHOUT " MY WRITTEN INSTRUCTIONS ''.

15 USC 168c ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item of information. 
Any adverse item of information other than records of conviction of a crime which antedates the report by more than 7 years.

15 USC 1681s - ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any 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 2017-04-11
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been receiving a bill in the amount f {$60.00} from the XXXX. I have called this office several times to dispute the erroneous bill and was told it was a mistake and I owed nothing. However, it seems the XXXX office submitted the erroneous bill to a collection agency ; Transworld Systems Inc . 
I am receiving letters of collection from this group despite being told I owe nothing and it is a mistake. I am very concerned, frustrated and angry for the time I must now invest to protect my credit rating. Can you please assist with resolution? I have a voice mail transcription from XXXX supporting my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: AL
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:
This is my seventh 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX Balance XXXX {$5700.00} XXXX XXXX XXXX XXXX Balance XXXX {$2900.00} 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 explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2023-04-01
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On or around XX/XX/XXXX I purchased a vehicle through westlake financial services. According to usc 1605k determination of finance charge include sum of all charges. This company violated the FDCPA and truth in lending act and I will like this obligation to be paid in full due to the fraud of this contract. The right to rescind was not included in the contract which by law states every dealership must follow and operate through truth in lending laws which they did not

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