BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: ZIONS BANCORPORATION
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I was charged a {$5.00} maintenance fee twice on my savings account for " insufficient funds ''. I only fell under the require limit one time in but was still charged that second time. I've called several times only to deal with conflicting information and rude representatives. Everyone is telling me something different and nobody can give me a clear answer as to why I was charged again for a {$5.00} maintenance fee when I was over the required minimum amount.

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 monetary relief
Consumer complaint received 2022-11-23
Company: EQUIFAX, 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:
I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Received a threat that they will take me to jail. Not sure of the debt. 



This is the email below. 
ATTENTION- LEGAL ACTION FINAL NOTICE Inbox XXXX XXXXXXXX XXXX ( 5 hours ago ) to me Dear XXXX XXXX City : - XXXX State : - TX Zip : - XXXX S.S.N. : - XXXX XXXX, XXXX, XXXX My name is XXXX XXXX. From the National Credit Adjuster ( Attorney at law ), I want to inform you that there is a case file on your name in the amount of {$1200.00}. 

Case file No : XXXX As you are aware, you have a large printing debt of {$1200.00} that remains unpaid. We have given you more than enough time and every chance to resolve this matter outside the courthouse but you are not willing to resolve this matter. We will mark as a flat refusal on your account and take immediate action against you, we have repeatedly advised you of your long overdue balance in the amount of {$1200.00}. Since you have not made payment, now the company wants their money back so that is the reason why creditor has decided to forward your case file inside the courthouse. However, Our Company NATIONAL CREDIT ADJUSTER, would prefer to give you one last opportunity to make payment and avoid legal action, If once your case file gets downloaded inside the courthouse then you must pay {$15000.00} inside the court house including Court fees, Judge Fees, your bail charges, your attorney charges, extra late fees Penalty fees & interest and lots of more. Finally, your name and Social Security Information would be reported to the major credit bureaus of the USA, it would be affecting your XXXX scores and your social security number would be black listed. 



Bankruptcy filings can be listed on your credit report for 10 years. Most other debts can be listed for 7 years. ( M.G.L. c. 93, s. 52 ). 



If your credit is bad, you can work towards building good credit. 



( 1 ) Pay back the debt you owe.

( 2 ) Do not borrow money that you can not pay back. 



Explanation of Bankruptcy Discharge in a Chapter XXXX Case, That order does not close or dismiss the case. a creditor enforce a claim against the debtors ' property For example, a creditor may have the right to foreclose a home, mortgage or repossess an automobile. 

Your case file will be presented inside the courthouse on XX/XX/XXXX, Kindly let us know, If you are willing to resolve this case out of court so that we can offer you the settlement amount, If not then we have to download this case forcefully against you into the courthouse. 

Reply me back immediately with your final answer so we can be in a position whether to put hold on your case file or to proceed it inside the courthouse, Thank you. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, Alabama XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
According to 15 USC 1681 XXXX XXXX XXXX XXXX violated my federally protected rights to privacy and confidentiality. 
15 USC 1681 602 A ( 2 ) states I have a right to privacy.

15 USC 1681 604 A ( 2 ) states consumer reporting agency can not furnish an account without written instructions.

15 USC 1681 605 ( A ) ( 5 ) states no consumer report can contain any of the following items of information : adverse items of information.

15 USC 1681 A ( 2 ) states that late payment reporting is illegal.

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 2022-03-21
Company: Shellpoint Partners, LLC
State: AZ
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:
An inquiry was made on my XXXX credit report on XX/XX/2021 by a company called New Rez. I did not authorize this company to inquire on my credit report for any reason. I believe this inquiry was placed fraudently by someone trying to use my credentials to apply for credit under my name. I am requesting that this inquiry be removed or deleted from my credit report. I was alerts of a social security breach my XXXX Bank and my personal Information was reported to have been found on the dark web. I am requesting for this inquiry to be deleted/removed from my credit reports with XXXX XXXX and XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Law Office of Harris & Zide
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from XXXX XXXX. XXXX of The Law Office of Harris and Zide regarding a XXXX XXXX XXXX account ending in -XXXX. I responded on XX/XX/XXXX requesting debt validation of the XXXX XXXX XXXX  account ending in -XXXX specifically with proof that I am indeed the party that The Law Office of Harris and Zide are asking to pay this debt and that there is some contractual obligation that is binding on me to pay this debt. I specifically requested for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. On XX/XX/XXXX, I received another correspondence from XXXX XXXX. XXXX of The Law Office of Harris and Zide providing no authentic XXXX XXXX XXXX debt validation ( i.e., XXXX XXXX XXXX  credit card statements, original XXXX XXXX XXXX credit cardholder agreement, etc. ) or other detailed debt validation - actually, no debt validation whatsoever. I am filing this complaint as I believe XXXX XXXX. XXXX of The Law Office of Harris and Zide has violated my federal rights under 15 USC 1692g Sec. 809 ( b ) of the FDCPA along with the California Rosenthal Fair Debt Collection Practices Act. Lastly, I believe XXXX XXXX. XXXX is misrepresenting himself as practicing under the guise of a partnership of The Law Office of Harris and Zide when this company is not registered under California Secretary of State 's Office as a legal, practicing entity. XXXX XXXX. XXXX, advertised as Founding Partner, has been deceased since XX/XX/XXXX ; XXXX XXXX XXXX advertises himself as the Principal and Owner of The Law Office of Harris and Zide. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
collection account XXXX XXXX consumer reporting agencies verified the account as mine but the name is not mine XXXX XXXX XXXX XXXX Also the account was sold to XXXX XXXX XXXX back in XXXX so how can XXXX companies claim it there account? 
they are violating my privacy by having my private information without my written consent.

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: TRANSUNION INTERMEDIATE 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: Personal information incorrect

Complaint:
I submitted a written request that all addresses on my acct be removed except the current address. There are several names, addresses and identifying information that is not correct on my credit file. this practice by CRAs has been allowed to continue and nothing is ever done and no action is taken holding them responsible. Transunion has refused to correct personal information, and picks and chooses what it wants too based on a loose set of rules that are unfair to consumers and NO action can be taken! There is nothing a consumer can do. I have provided competent proof of the errors and Trans Union refuses to correct the file and force companies to provide REAL VALADATION of debt. Just because you can verify my address and name that doesn't mean a debt is mine. Where is the signed contract? The system is unfair and unjust. someone needs to hels accountable!

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 2023-02-20
Company: ENCORE CAPITAL GROUP INC.
State: NV
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:
I have no ideal what this debt is I've tried contacting the company multiple times On my credit reports it's listed as XXXX closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 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 Account Number : XXXX Account Name : XXXX 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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.

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 2021-01-05
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX, I moved out of an apartment building rental called XXXX XXXX XXXX in XXXX XXXX, CA which is owned by XXXX XXXX. I never received any debt notification ( by mail, by e-mail, nor by phone ) from XXXX XXXX after that, until I started getting phone calls from a Collections Agency called Fair Collections & Out in XX/XX/XXXX. The Collections Agency notified me that I owed XXXX XXXX a repair cost of ~ {$500.00} but I did not know what I was being charged for. XXXX XXXX XXXX never attempted to contact me or explain this debt, even though they had all my contact information on file. I attempted to inquire about the debt by calling the XXXX XXXX offices in XX/XX/XXXX but after leaving 3 voice messages, no one ever returned my phone calls ( I assume these were special circumstances surrounding the recent outbreak of covid-19 ). The Collections Agency was threatening to increase the amount of debt that I owed, so I assumed that I had no choice but to pay the Collections Agency, and I went ahead and paid the outstanding balance in XXXX or XX/XX/XXXX. Now I am filing a complaint because this Collections is showing up on my Credit History, and is having a negative effect on my ability to apply for a loan. Due to the fact that XXXX  XXXX  XXXX  never contacted me about my debt before they sent it to Collections, and because of the special circumstances surrounding Covid-19 causing them to again be unavailable, I am asking for a deletion of the Collections Item from my Credit History.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Block, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2023, I attempted to withdraw {$150.00} from my Cash App. The ATM did not dispurse my money. I contacted the ATM company using the number on the ATM and they told me that I had to contact Cash App because they are not responsible for money that is lost. I put in three different disputes and attached the receipts showing that no money was dispersed and cash app denied every dispute I put in. I have contacted cash app support on multiple occasions and they have not assisted me with my claims. I called the ATM company back they told me to file a regulation e claim and then when I called Cash App back with this information they kept telling me to dispute the claims but kept denying them. I just want the money that I lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all inquiries are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these inquiries immediately : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 2021-01-05
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
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:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate 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 2020-12-30
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
This is my second time notifying the credit bureaus of my issue with identity theft. The accounts included in this dispute were not opened by me and need to be deleted from my credit reports immediately. 

I don't understand how they are still reporting these accounts after I have notified them of the issue. 

I am also a victim of the XX/XX/XXXX data breach so my information could be in several other peoples hand. 

Please delete these accounts immediately.

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