BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 CFPB Complaint is being submitted to report that I have been a victim of identity theft. Upon researching how to remove the fraudulent accounts on my credit report, I discovered that I need to file a report with the Federal Trade Commission or visit their website at https : //www.ftc.gov. Under FCRA Section 605b, Credit Reporting Agencies are obligated to remove any accounts and information listed on an ID Theft Report. After recently receiving a copy of my credit report, I was surprised to find several accounts that I did not open and have no knowledge of. Attached documents will assist in blocking the erroneous information from being posted on my report. The following items are in question : XXXXXXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$1000.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$550.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. I can confirm that I did not open these accounts or give anyone permission to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report it to the authorities. FCRA Section 605B ( a ) requires Credit Reporting Agencies to block any information in a consumer 's file that the consumer identifies as information resulting from identity theft, no later than 4 business days after receipt.

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 2015-09-29
Company: ALTERNATIVE DISPUTE RESOLUTIONS
State: KS
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Threatened to send police to get me. Refused to mail me documents stating what debts I owed. Wo n't stop calling me or my family. 
( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-05-08
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX contacted my relative on XX/XX/2019 and left a voicemail stating that I owe a debt and they are trying to reach me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, 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 have noticed some accounts on my credit report I have listed supporting documentation below. These are the accounts that need immediate removal Pa XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Spring Oaks Capital, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collections account in the amount of {$12000.00} was put on my credit report. I contacted spring oaks capital LLC on XX/XX/2023 to attempt to set up a payment plan for this debt through email. They expressed they would pay for delete if I paid {$9200.00}. I discovered this debt is not mine as the previous company has already written this debt off as a loss and marked this on my credit report. Therefore, this debt has been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
In XXXXXXXX XXXX XXXXXXXX the company I leased my vehicle from closed down and filed bankruptcy without proper notification of. My vehicle was repossessed on XXXX XXXX, XXXX. Ive been asking for documentation on the repossession and have yet not received anything. They hang up on you they XXXX  you out. Even told me that my mom was a XXXX. And hung up. They are very rude and unprofessional. About a week ago they reported on my credit after they sold the vehicle. I just spoke with Westlake Portfolio Management today to find out they sold the vehicle for {$5400.00} on XX/XX/2023. How are they able to report a vehicle to my credit report that I have a contract with another company. Once American Financial Closed down my vehicle needed a 3rd engine. I replaced that engine and know Im out of a car and {$3000.00}. This is fraud to report something to my credit report after you sold the vehicle. They refused to give me documentation of the repossession. They didnt report the repossession to the local sheriff office or anything. This is fraud and this company needs to be closed down.

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 2020-04-05
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:
I have contacted TransUnion and XXXX numerous times to tell them to please remove my XXXX student loan from my account. This student loan was co-signed with my father. He has filed for Bankruptcy and this loan was discharged during bankruptcy for him and myself. It should no longer be on my credit report. XXXX no longer has any information about this account because it was discharged during my father 's bankruptcy, which is no fault of my own. As such, the account should be removed from my credit report and should not be put as discharged on my credit report because it was discharged because of my father 's bankruptcy.

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 2023-11-09
Company: OLIPHANT FINANCIAL, LLC
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:
On XX/XX/23 Oliphant USA , LLC furnished a collections account onto my XXXX credit report. Oliphant failed to contact me regarding the alleged debt before furnishing this information to XXXX. Per Regulation F : 12 CFR 1006.30, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act, information about a debt before the debt collector : i. Speaks to the consumer about the debt in person or by telephone ; or ii. Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. 

Oliphant did neither. They furnished inaccurate and detrimental information to my credit report without contacting me and allowing me to dispute the information or request validation as set forth by the Consumer Financial Protection Bureau. 

XXXX failed to properly investigate this and provide resolution. Instead, XXXX claimed that the account was verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: EQUIFAX, INC.
State: IN
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 CFPB Complaint is being submitted to report that I have been a victim of identity theft. Upon researching how to remove the fraudulent accounts on my credit report, I discovered that I need to file a report with the Federal Trade Commission or visit their website at https : //www.ftc.gov. Under FCRA Section 605b, Credit Reporting Agencies are obligated to remove any accounts and information listed on an ID Theft Report. After recently receiving a copy of my credit report, I was surprised to find several accounts that I did not open and have no knowledge of. Attached documents will assist in blocking the erroneous information from being posted on my report. The following items are in question : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX  I XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$550.00} XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX. I can confirm that I did not open these accounts or give anyone permission to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report it to the authorities. FCRA Section 605B ( a ) requires Credit Reporting Agencies to block any information in a consumer 's file that the consumer identifies as information resulting from identity theft, no later than 4 business days after receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NCB Management Services is reporting a debt of {$2300.00} from a tribal loan that is not legal under Federal usury laws which cap interest at 36 % or Florida law caping interest at 18 %. 

I would request NCB recalculate the balance to reflect all payments and a legal interest rate not bound by tribal jurisdiction or remove the item from all three credit bureaus. 

I had requested account verification from NCB and this was not provided within 30 days of the request nor has it been received to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: V and H Portfolio
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I filed a complaint with the CFPB against XXXX XXXXXXXX XXXX XXXX for deceptive practices and converting a purchase agreement into a lease arrangement after the product was paid in full ( CFPB Complaint ID XXXX ). On XX/XX/XXXX the CFPB ordered XXXX XXXX to pay {$36.00} XXXX in penalties and provide relief for tricking consumer and hiding contract terms ( CFPB choice of words from their press release heading ). Docket number XXXX. XXXX consented to this order. In XXXX of XXXX, XXXX sold the alleged debt to XXXXXXXX XXXX XXXXXXXX XXXX. With the assistance of the CFPB I was able to get them to delete the tradeline from my credit reports and received a commitment from them to never resell the debt. ( CFPB Complaint ID XXXX ). However, Vance and Hoffman purchased this debt and refuses to acknowledge the terms of the consent order and all previous CFPB actions. This tradeline remains on my credit file and is resulting in a significant rate bump on my mortgage application due to it lowering my credit score. Over the course of the mortgage term, this rate bump is equal to {$86000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Nelnet, Inc.
State: TN
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:
Nelnet is failing to report my loans as paid. They continually tell me they have reported it as closed. But they have not. They keep reporting it at open. They are doing this for 3 student loans that I paid this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: TFS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I took out a HELOC with Third Federal in 2006. Along with the loan I received a brochure that states Lowest Rate Guaranteed For The Life Of The Line, you get either a rate adjustment or {$500.00} if they dont match it. It also states If you ever find a lower rate, a year from now, or even ten years from now, we will beat it, or give you {$500.00}. My HELOC is Prime - .51 %. Third Federal currently offers HELOCs at Prime - 1.01 %. I submitted a rate adjustment online and the response was I would have to apply for the loan. I talked to the local office in XXXX  FL and made the request and was told its only for when I first get the loan ( even though I pointed out it says for the LIFE of the loan and gave an example of guaranteeing it even 10 years later ). The brochure states To receive a competitive rate adjustment, either fax or deliver to your local Third Fedral branch or Customer Service department, a copy of the competitive product advertisement. Ive done both with no satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-11
Company: EQUIFAX, INC.
State: NY
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2019-01-30
Company: JPMORGAN CHASE & CO.
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/XXXX I lost my debit card in XXXX, next day a supervisor from XXXX  call me saying that the found the card. 

Next day I found out tree charges to my account on that I didnt authorize. I called the bank and star a dispute process a week after this they said I authorized the transactions and that they will charge me for them. 

They also stated that if I have a problem I should contact the merchant myself The charges are : XXXX XXXX XXXX {$40.00} XXXX XXXX {$130.00} XXXX XXXX {$57.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; 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 explanation
Consumer complaint received 2023-04-29
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Lightstream who is part of Truist Bank has completely neglected requests for removal of a fraudulent account that came as a result of identity theft. I have asked Lightstream/Truist on 4 different occasions, via certified mail with return receipts to record all of our interactions dating back to XXXX of 2022, to remove the account from my personal name & credit report & to stop fraudulently collecting on a account that is not mine & or lawfully validate the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 ( g ). 

Lightstream/Truist is in direct violation of Federal Law 15 U.S Code 1692 ( g ) which requires them to validate such debt by providing All of the following : 1. The identity of the original creditor.

2. The amount of the alleged debt.

3. The name and address of the original creditor, if different from the current creditor. 
4. The original lawful contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX ( the natural man ), and Lightstream, that proves I agreed to pay the alleged amount.

5. A GAAP accounting documentation ( both on and off ledger ) showing the exact asset ( s ) used to collateralize the debt. 

It is my right to request validation of any purported debt under the Fair Debt Collection Practices Act & It is Lightstream/Truist 's obligation to supply the aforementioned materials as requested which they have failed to do time and time again. 

Not only has Lightstream/Truist not lawfully validated  the debt but they have continued to fraudulently collect & report the fraud. 

Lightstream did not validate this debt under the FDCPA laws & I demand them to remove this fraudulent account from my credit report as it is continuing to harm my well being.

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have consistently reached out to TransUnion in an attempt to have my bank statements reviewed for the payment month in question. XXXX and XXXX have both received the same set of documents that I sent to TransUnion, and they have promptly updated my payment history from 99 % to 100 %. 

I've made multiple calls to TransUnion, requesting that they review my bank statement, which clearly shows two crucial payment entries : one on XX/XX/XXXX ( as evidenced on page 2 ) and another on XX/XX/XXXX ( as indicated on page 5 ). This places the XXXX payment well within the 30-day window. I even had a conversation with a TransUnion representative during which we meticulously went through the statement, page by page, but to my frustration, no update was made. The representative informed me that it might take up to 30 days to see any changes, but despite the considerable wait, I haven't received any notifications of an update. 

To add to my frustration, TransUnion has blocked me from uploading new documents via their website. Every time I attempt to do so, I receive a message instructing me to call in. However, when I follow this instruction and make the call, I'm persistently transferred from one representative to another without any resolution. 

Once again, I am attaching my bank statement and the payment history from XXXX XXXX, which unequivocally demonstrates that my XX/XX/2022 payment was made on time. Despite providing this concrete evidence, TransUnion has continued to refuse to update my payment history to reflect 100 %. This situation has become incredibly exasperating as, despite my proof, I seem unable to receive assistance. 

Regrettably, it appears that the only means of getting their attention is by submitting multiple complaints through the Consumer Financial Protection Bureau ( CFPB ). I am prepared to upload the documents once more, this time with the payment entries from my XXXX XXXX account highlighted. I kindly request that you address and resolve this matter promptly.

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