BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: Self Financial Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In accordance with the guidelines established by the Fair Credit Reporting Act ( FCRA ), a vital legal framework designed to protect the rights of American consumers pertaining to credit bureaus, I hereby initiate a formal dispute regarding the following account : Account Details : Account Name : XXXXXXXX XXXX  Account Number : XXXX Original Creditor : - Company Sold : - Date of Account Opening XXXX XXXX XXXX XXXX Open/Closed Status : Open Status Update : XXXX XXXX Account Type : Installment Status : Pays Account as Agreed Balance : {$480.00} Balance Update : XX/XX/ Original Balance : {$520.00} Paid Off : 7 % Monthly Payment : {$25.00} Past Due Amount : - Terms : 24 Months Responsibility : Individual Account It has come to my attention that the reported account status, specifically the " Pays Account as Agreed '' designation, does not accurately correspond with the original balance and payments made. Furthermore, the " Paid Off '' percentage appears to be inconsistent with the reported balance and payments. 

I would like to remind XXXX of the provisions outlined under the FCRA, specifically : 15 U.S.C 1681 Section 602 A : This section emphasizes my right to privacy and underscores the importance of accurate credit reporting. 
15 U.S.C 1681 Section 604 A Section 2 : This clause emphasizes that a consumer reporting agency can not furnish an account without obtaining my written instructions. 
15 U.S.C 1692C : This section highlights that a debt collector is prohibited from communicating with a consumer in connection with debt collection without my prior consent or the express permission of a court of competent jurisdiction. 
In light of the aforementioned laws and the inconsistencies in the reporting of this account, I am requesting an immediate resolution to this matter. I kindly request that XXXX takes the necessary steps to rectify the inaccuracies in the account 's reporting and ensures that my right to privacy is upheld. 

Furthermore, I want to assert my right to end all communication tactics related to this account. I expect that no further communication attempts will be made by any parties involved, including debt collectors. 

Your prompt attention to and resolution of this matter are greatly appreciated. I anticipate your diligent efforts in addressing this dispute and ensuring accurate and equitable credit reporting. Thank you for your cooperation and adherence to the principles outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: LFG Data Services Holdings, LP
State: MO
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've asked LCI Consumer Center to investigate inaccurate information that is reporting on my credit report. This information includes a bankruptcy, late payments, charged off accounts and erroneous information related to my name. I do not have mailing address history with the reporting errors, and have asked them to investigate and remove these errors from my report. Attached is information I sent to them via postal service, along with all pertinent identification. 

There is no legitimate reason for this company to reject my dispute letters. I have also attached screenshots directly from their website that clearly state their identification requirements, and this proves that I followed correct protocol. 

The bankruptcy, charged off accounts, and late payments being shown as mine by LCI Consumer Center are reporting fraudulently, is not true, accurate, or legally verifiable and this violates XXXX standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
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: Investigation took more than 30 days

Complaint:
I, XXXX XXXX XXXX the consumer,, have new and updated information in regards of a previous complaint. Pursuant to 15 USC 1681, I have 30 days to a completion of a reinvestigation. XXXX, Transunion, XXXX have violated my rights by not responding within the 30 days nor have I received information of the procedure used to determine the accuracy of the reported information on my consumer report. I am submitting this complaint to ensure I have my rights protected to a proper investigation under 15 USC 1681i.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: Harris & Harris, Ltd.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a collections notification ( I literally have no late payments on all of my accounts ) on my credit report. 
I contacted the company listed Harris & Harris.

Gave them my name and ssn- they had no record and could not tell me where the debt was from.

Have them my address again they could not even pull up my account.

I researched the credit report thoroughly and told them the debt was {$140.00} - said It could be medical or utilities. I am utterly confused on how they can be reporting a debt when they cant even give me the details to sort through the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX has a debt from XXXX XXXX XXXX amount of {$580.00}. They ( XXXX XXXX XXXX XXXX ) are saying they have no knowledge of the tracking information of the return box they sent me when returning my phone. I closed out my XXXX account because I was switching to XXXX. XXXX sent me a return box with a return label ( THEIR TRACKING INFORMATION ). I dropped the phone off at the facility as told to be returned. That location was busy so I just dropped the phone off. WHY CANT XXXX LOCATE THE PHONE THEY ARE THE ONES WHO PROVIDED THE TRACKING AND RETURN INFORMATION! This shouldn't even be on my credit 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 explanation
Consumer complaint received 2023-04-04
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
LVNV Funding LLC filed a lawsuit against me in XX/XX/XXXX- I was never properly served although they filed a proof of service. XX/XX/XXXX - They went to the Apartment Manager and asked for my info claiming they were trying to deliver a paycheck - Apartment Manager will sign affidavit. I was not home. But when I got home, my neighbor gave the paperwork to me that they gave to my neighbor claiming it was a paycheck. I opened the envelope that had my name and address written on it, and it was summons and complaint claiming I owed monies to a credit card company they were representing. I have never received any notifications or anything in the mail verifying they now are collecting on behalf of credit card company XXXX - which I closed and paid off account back in XXXX with XXXX XXXX  which there was also a complaint I filed with this agency about them fraudantely claiming I owe, their collection practices, etc. The XXXX XXXX XXXX XXXX accepted my Answer to Summons/Complaint then rejected saying documents upside down then accepted it again. Never heard back from the Court or LVNV Funding. Last month- my Employer received documents with my social security on it and a wage garnishment without a copy of the Judge 's order for wage assignment. My employer, against me clearly telling them in writing to not disclose or verify anything because the paperwork had a XXXX address - that this may be fraud - My Employer ( XXXX XXXX ) verified with a representative of LVNV Funding LLC confirming I am employed with them. I contacted the XXXX XXXX XXXX - spoke to a Supervisor after calling for over two weeks since XXXX XXXX the clerk office and getting no response, finally XXXX XXXX on XX/XX/XXXX explained to me that LVNV Funding LLC filed proof of service back in XX/XX/XXXX or so claiming personal service at my address in XXXX. Then In XX/XX/XXXX or so filed certificate of mailing of the Notice Of Default to address in XXXX which they already had my address in XXXX - why say mail to XXXX. I filed XXXX XXXX XXXX to stop wage garnishment because sadly my Employer ( XXXX XXXX ) has already disclosed so much info to this LVNV Funding LLC and LVNV Funding LLC threaten my Employer if they would not garnish my wages claiming a Court order even thou there was no Court order provided. This company LVNV Funding LLC has violated several FDCPA collection practices as well as fraud and misrepresentation with the Court and filed fraudantly documents with the Court as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please see attached file

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 2023-11-03
Company: Experian Information Solutions Inc.
State: TX
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:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: TX
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 inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit 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 explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-05-08
Company: TD BANK US HOLDING COMPANY
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:
I've been manipulated and tormented by a sales rep on XXXX XXXX XXXX XXXX, without my consent my credit was checked inaccurately and unlawfully. I've told him multiple times to not check my credit. The next following day my credit report has taken a hit with a hard inquiry. I've called the company and also the manager nothing was resolved. They've also appeared on my credit previously on XXXX XXXX  without me knowing. It's now getting annoying and insulting to me as a consumer. This must be deleted from my reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX {$810.00} XX/XX/XXXX XXXX XXXX {$1400.00} XX/XX/XXXX Charge Off XXXX XXXX XXXX {$440.00} XX/XX/XXXX Charge Off has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a XXXX XXXX 
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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My name is XXXX XXXX and I am personally submitting this complaint. Please see attachments and my ID as it explains my complaint and request.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX - XX/XX/2023 - {$68.00} XXXX XXXX XXXX - XX/XX/2023 - {$900.00} XXXX XXXX XXXX - XX/XX/2023 - {$460.00} XXXX XXXX XXXX XXXX - XX/XX/2023 - {$290.00} On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.

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 2023-08-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter on XX/XX/2023 to update and delete the items that is INCORRECT and UNKNOWN to me. Ive already included this in my previous Complaint # & I am including it again., XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-02
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
so I was on the website in the middle of filing out a balance transfer offer of XXXX percent when it kicked me off and when I went back in the offer was gone. I called customer service waiting for a manager and the manager told me she was going to send out convince checks that I can use for the same offers as XXXX percent up to my credit limit I used the manager on the phone 3 times and she said yes no problem at all. so I called back just to make sure and they told me I could only do it up to my cash limit and I said wait a minute the manager said I can use it just like an offer. I was lied to by the customer service manager reps in the Barclays company and they will not honor what I was promised by a manger the call was even recoreded and they confirmed the manager told me that they even have the proof that they won't honor and they basically called me a liar saying that I never filed out the offer halfway which I did and I dont like being a liar they are saying they can't find it which I know I did it and I want this honored just like the manger told it was going to be and the cooperate will not budge and do anything that I was promised by the managers on the phone

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 2023-05-21
Company: EQUIFAX, INC.
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:
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I tried to fix the issue with XXXX, XXXX and Equifax. I sent them bunch of letters way back XXXX. According to USC 1695 and FCRA along with the FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the recent letters that was sent on XX/XX/XXXX, XX/XX/XXXX which I never received a response for. They are still contacting me and this are still showing on my credit report. I will sue them if they continue to report debt that is inaccurate.

Company response to consumer: Closed with explanation