BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 creditor : tried disputing this with XXXX and Transunion. I filed lawsuit against XXXX XXXX XXXX and XXXX and settled this debt with an attorney XX/XX/2022 yet still appears on credit report and on XX/XX/2022 XXXX attempted to sieze property and XXXX a XXXX party attempted to call and harass me about the property. I was unable to get information from XXXX when I called they said debt written off XX/XX/2022. I have been disputing this with XXXX and TransUnion but they have failed to update balance with settled amount or pays as agreed status. As a result this has caused continued harm to credit reputation.

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 2022-10-13
Company: Experian Information Solutions Inc.
State: NV
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 XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # 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 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 2023-04-01
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am reporting a potential FDCPA violation against the The National Consumer Telecom & Utilities Exchange ( NCTUE ) who unlawfully provided XXXX XXXX a copy of my credit report via XXXX and the XXXX XXXX XXXX while my report has a security freeze placed upon it WITHOUT my consent. This report has been frozen since XXXX and I have written confirmation/receipt that it is still frozen and the only way to unfreeze the report is if I process a temporary or permanent lift with my 10-digit Personal Identification Number ( PIN ) that I did not provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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.

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 2022-09-13
Company: Experian Information Solutions 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 information incorrect

Complaint:
I see a XXXX  XXXX XXXX account open that's associated with my credit history. 

Based on the record, the account was opened on XX/XX/2022, and has a credit limit of {$6000.00}. 

I have never opened any accounts ( checking, saving or credit card ) with XXXX XXXX XXXX. Thus the account doesn't not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: Avant Holding Company, 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: Old information reappears or never goes away

Complaint:
I Had intentions of paying the balance but having placed on my credit profile without contact is unprofessional. Furthermore a representative informing me that this could negatively impact my credit isnt within the guidelines for a creditor/debt collector to discuss with a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Experian Information Solutions Inc.
State: GA
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 have sent letters to Experian several times to update the information they are reporting and address that I don't live at XXXX XXXX XXXX, XXXX XXXX, Ga this is not my address. I have asked them to update my credit report with the correct information several times I have listed below the right personal info. 


XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX Please update my info My only social security number is XXXX My only and correct date of birth is XXXX I do not wish to have any telephone numbers on my report My name is XXXX XXXX this is my only name I work for XXXX XXXX  XXXX XXXX XXXX My only Address is XXXX XXXX XXXX XXXX XXXX XXXX Ga. XXXX Please remove all other addresses from my report as they are not deliverable to me by the U.S post office , and they are not reportable as per the FCRA, since they are 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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
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: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I saw an unknown inquiry on my Equifax Consumer report. 

XXXX XXXX XXXX, 2023 Please remove this unauthorized information. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 need you to attend the following shown items in this letter which contains date taken directly from my credit report which you have provided. 

XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. # 1681 XXXX XXXX Section 604 of Fair Credit Reporting Act.

Once you have fulfilled my request, mail me an updated credit report reflecting these changes.

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 2023-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Bank of america acknowledged my first complaint emailed me once to call then ignored all my attempts to communicate with them about the issue. They denied my claim again without proof and without ever speaking to me after about a dozen attempts. I called and emailed without any repsonse and they ignored me. They continue to refuse my fraud claim fore baseless reasons

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 2017-05-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I returned my  XXXX  lease in  XXXX   XXXX  and was told by the dealership,  XXXX   XXXX   XXXX  of  XXXX   XXXX , that the disposition fee would be waived because my grand daughter was leasing a car from their dealership in the same transaction.     I received  a bill two weeks after (   XXXX   XXXX  ) leasing the car to pay the disposition fee. I called  XXXX   XXXX  as well as  XXXX   XXXX   XXXX  to dispute this charge and was told by the customer service rep that the fee would be waived. I did not receive another bill, phone call, or other contact from  XXXX  again.     In  XXXX   XXXX  I received a letter from a collections agency that I owed the disposition fee amount. I promptly contacted  XXXX   XXXX  and explained the situation to them. I specifically told them to review their recorded phone call line to confirm that I was told the fee would be waived. The rep said he would and he would have a supervisor call me back. I was never called back.     I have called  XXXX   XXXX  to resolve this account on :  XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX  I never received any response back as I was told I would.The collections agency collecting on behalf of  XXXX   XXXX  is unwilling to check with  XXXX  for the recorded phone call in which I am told the disposition fee would be waived.     Based on the fact that I did not receive a bill from  XXXX  between  XXXX   XXXX   XXXX , and that  XXXX   XXXX  is unwilling to review the recorded line, I strongly believe their billing and collections practices are unethical, illegal, and overall shady. To tell a customer their fee is going to be waived and to never contact them again until sending their account to a collections agency an entire year later points to more concerning issues regarding possible fraud, exploitation, deliberate deceit, and extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional XXXX this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Eagle Recovery Associates, Inc.
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On Friday, XX/XX/XXXX, XXXX XXXX of Eagle Recovery Services ( XXXX ) called me aggressively demanding my banking information to settle a debt they were handling in regards to the Emergency Physician 's Bill from XX/XX/XXXX when I went to the Emergency Room at XXXX Hospital in XXXX, MI. XXXX XXXX continued to threaten that if I did not settle the full amount of {$400.00} that they would " pursue legal action ''. XXXX refused to express what actions were considered as " legal action '' and made it very difficult to get information regarding the debt. I asked XXXX times where the debt was incurred and who the debt was owed to. After expressing, " it should n't be this hard-you should not be this difficult because this debt is from XX/XX/XXXX, you need to give me your routing and account number '' he reluctantly gave me the contact info for XXXX XXXX and his office. He refused to give me his official title, the times and dates of contact, and the location of Eagle Recovery Services. I called him again today, Wednesday, XXXX XXXX to set up a payment plan to settle the debt and he stated that that was not an option because the company that issued it demands that it be paid by XXXX XXXX or they will pursue legal action. He refused to accommodate me in setting up payments to settle the debt. I then asked again what legal action entailed, he stated " I am not a lawyer, I can not give you that information, you just have to pay it by the XXXX or they will pursue legal action ''. He continued to be very aggressive as I asked him what would happen if I requested to stop the payment and responded, " then they will pursue legal action ''. I expressed that I was highly dissatisfied with how this situation has been handled. He has repeatedly retorted that I had been contacted XXXX times regarding this account. I have not received a letter regarding this account. When the agency called, the caller ID showed " restricted '' and they did not leave voice mails and if they did they were very vague and I do not recognize them in it. Today, I again asked XXXX XXXX for the times of contact. He stated that the Eagle Recovery Service mailed a letter on XXXX XXXX and XX/XX/XXXX. He further stated that they called on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XX/XX/XXXX. XXXX XXXX refused to give the dates that the company that reported the debt contacted me. If I was properly notified of this debt and how to dispute it or resolve it, I would have settled it at an earlier date. I feel extremely threatened and upset regarding this matter. Because I am scared of legal pursuits that XXXX XXXX threatened me with, a payment of {$400.00} ( more than half of my monthly income as a student ) will come out of my XXXX account tomorrow, XX/XX/XXXX, after XXXX XXXX demanded and coerced that I give him said routing and account information. I did notify XXXX XXXX that I would be filing this complaint today.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-29
Company: Convergent Resources, 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:
In accordance with the fair credit reporting act convergent  account # XXXX, has violated my rights. 
15usc 1681 section 602 states I have the right to privacy.

15usc 1681 section 604A section2 : It also states a consumer reporting agency can furnish a account without my written instruction 15 usc 1666b : A creditor may not treat payment on a credit card account under an openend consumer credit plan as late for and purpose.

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 2017-04-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Balance transfer

Complaint:
Received transfer balance offer from citicard/citi.com/XXXX, to transfer a balance. Prepared to make a payment and was told by their csr that any payment made will go towards the highest interest charge rather than the 0 % balance transfer. This, in my estimation, allows for credit card companies to continue applying payments as they choose (! ) and allows for the application of several months of accumulated interest that serves in the best interest of the credit card company rather than the consumer! This is absurd! I am to accept that a company that makes as much as citi bank can not offer to split payments? I have n't lost any money yet but it is a ridiculous policy that serves only to trap consumers.

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 2017-03-15
Company: Paypal Holdings, Inc
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
PayPal - I purchased a XXXX watch from a listing online via PayPal invoice for XXXX euro - shortly thereafter I realized that the seller was a complete fraud, and had sold the same watch to a dozen or so people. I filed a dispute with PayPal, as this is clearly covered under their buyer 's protection policy. They closed the case in favor of the seller several times, and after countless phone calls and emails trying to help a completely inept customer service department ( in what sounded like an XXXX country ) listen to logic and reason, I was running out of time to file a chargeback with my credit card company - which I did, and a majority of the funds were recovered without a problem. However, the remainder was paid by my PayPal balance ( which is unavoidable, if you have a balance, they use it ) - and I have now been told ( despite it being clearly covered in their policy, and having documentation they had no reason to dispute the chargeback ) that I have to reclaim the lost funds directly from the seller. Previous issues with PayPal have not been this awful, but at nearly every single step with this one, I have been given different reasoning behind their actions ( nothing consistent ) and nothing has been handled the way customer service should behave to a long time ( 15 year ) customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-08
Company: Tate and Kirlin Assoc
State: IN
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:
This debt Is the result of identity theft. This case has been dismissed in XXXX County Court on XX/XX/18. I have advised this third party collection agency to cease communication on 2 separate occasions. I continue to get phone calls and emails requesting me to pay a debt that is not owed. I tried to contact this company again today after receiving another email. I was hung up on and aggressively spoke to by several different representatives. When I asked repeatedly to speak to a supervisor, I was hung up on. I am seeking legal representation for the abusive practices and collecting on a debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
State GovernmentRef : XXXX Tax Lien - Filed State GovernmentRef : XXXX Tax Lien - Filed The information was pulled from a third-party reporting and I was told by the court they do not report therefore it needs to be deleted.

Company response to consumer: Closed with explanation