BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: Westlake Services, LLC
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 status incorrect

Complaint:
I checked my credit report with all three bureaus this month and noticed that my XXXX XXXX dropped tremendously. I was not familiar with the name of the company, so I immediately disputed the account on my credit report with all three bureaus. Simultaneously, I called the company in question to investigate why they're reporting on my credit report and that it's past due. Unbeknownst to me, this specific company took over payments on an account that I have under my name, named XXXX. I've been making automatic, recurring payments every month, on the XXXX of the month, since XX/XX/2022 with XXXX  and never had any issues. This account is paid automatically via my XXXX XXXX card. I contacted XXXX XXXX, and they provided me with proof of payments via monthly statements. I've submitted proof of payments to all three credit bureaus. Today I received results, and the credit bureau responded by saying that the information on my credit report is accurate, meaning XXXX months worth of late payments from the company in question. I've called them several times, but they can never give me a straight answer as to why they reported my payments late. I've asked to talk to supervisors, and apparently they're never available. It gets better. I called them again today and spoke to a customer representative named XXXX XXXX, who verified my account in their system and specifically said my account is current and has been since XX/XX/2022. I don't know what else to do. Please help! Thank you for your time and assistance!

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 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
accordance with the Fair Credit Reporting act XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Hi my name is XXXX XXXX .I got a call from Citizen Bank saying that if you were the one who withdrew {$80.00} and {$200.00} from an ATM machine at XXXX XXXX XXXX MA XXXX. I replied saying no that was not me and mentioning to them that it must have been a fake card because mine was in my wallet at that time. They asked me to file a fraud claim and said that they would send me a new card, so I filed a claim three times and they only refund {$80.00} not the other {$200.00} and they said that the other {$200.00} was me although I told them that it was not me when called. I tried to call them multiple times but they would not cooperate with me. 
This is my claim number XXXX The company is Citizen Bank . 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-16
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:
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. 

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, 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 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 explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, 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:
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : XXXX XXXX, XXXX  XXXX : XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: MS
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion 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 correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, I want to dispute this account XXXX XXXXXXXX, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b . See the documents attached.

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 2022-04-19
Company: FIRST CITIZENS BANCSHARES, INC.
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 sue you for very old debt

Complaint:
On XX/XX/2022 I was left a voicemail asking me to call a number because I was going to be served in a civil matter. I called back confused and asked who the creditor was and they said XXXX XXXX. I have not had a XXXX XXXX account in over 15 years. I have not been contacted previously about any debt with XXXX XXXX  and they closed down in XXXX when I lived there. They kept saying we are going to have you served and you need to confirm your information. They knew the last four digits of my SSN and my account lace of employment but again this is the first I am hearing of this debt and I asked them to send me the debt info in writing. On the message they left it says it was process service dispatch. When I called back they didnt even answer the phone as a business this guy just said hello and said his name is XXXX XXXX The phone number was flagged as likely a scam. The number that left the XXXX is XXXX which is a cell phone and not unusual since people are working from home and they left a number for me to call back at XXXX but I could not find a business registered to this number. At the end of the message the recording says Youve been notified as if this is set in stone and now Im going to be in trouble. I genuinely have no idea what this is about and they kept trying to intimidate me by saying they were filing a civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
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:
Due to possible inaccuracies in these CRA report, I must demand that the validation I herebly lawfully request be in form of a notarized statement by person with original knowledge of the debt as it was constituted and who can testify that debt was incurred legally product, was not subsequently disputed as result of returned, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address, rather, I am requesting validation, i.e., competent evidens that i had some contractual obligation sans consumer protection encumbrance which the original claims associated with this tradeline. 
Please know thet you have 30 days from the tracked and delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notation from the CRA reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Global Lending Services LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
The fees that we charged from the auto loan from Global Lending Services exceeded the amount and timeframe of the loan. The loan should have been paid off and due to extraneous fees the loan was extended beyond the worth or value of the car. Not to mention the {$5000.00} that was spent on the car after the major manufacturer defect found on the car which consisted of the persistent money being spent on the car which should have been considered a lemon after so many recalls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX Account XXXX XXXX has violated my rights XXXX XXXX XXXX Account # XXXX has violated my rights XXXX  Account # XXXX, and Account # XXXX has violated my rights XXXX  Account # XXXX has violated my rights 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 non-monetary relief
Consumer complaint received 2018-10-24
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a cash payment for {$100.00} to satisfy my minimum payment. On XX/XX/18, I paid {$1400.00}, Lowes updates my account showing payment was received. However its being reported on my credit report as having only {$550.00} available out of {$2000.00}. I spoke with several managers who advised me bcs my account is new, theyll hold my account for 10 days. I never bounced a check or paid late. One manager stated bcs I made a cash payment for {$100.00} and paid {$1400.00}, which was an electronic draft from my credit union. It looks suspicious. I feel like Lowes is discriminating against me. I want my credit available and to be reported I have a XXXX balance with {$2000.00} available in credit. 

XXXX XXXX located in North Carolina

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 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter 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 2018-05-03
Company: DISCOVER BANK
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Discover has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Cascade CISS Holdings, LLC
State: IL
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 am writing to complain to CREDIT PLUS about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number is XXXX. The FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Sharing credit information with unauthorized parties, this isnt legal

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 2023-05-11
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:
Consider this complaint as my follow-up against the disputed items in my last complaint dated XX/XX/XXXX. The items are fraudulent and need to be deleted from my file Please delete the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2023-07-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Synchrony Bank doesnt what to provide me with a letter of payoff no more debt with them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Netspend Corporation
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I have a person by the name XXXX XXXX opening cards, getting insurance etc under my personal address and last name. There are no know XXXX in the XXXX family

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 2023-05-11
Company: Experian Information Solutions Inc.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Experian 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 correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, I want to dispute this account XXXX XXXXXXXX, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b . See the documents attached.

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 2022-06-21
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
RE : XXXX  XXXX XXXX  # XXXX XXXX  XXXX  Pursuant to 15 USC 1681 ( a ) ( 1 ) The Banking System is dependent upon my consumer report being FAIR and ACCURATE. After reviewing my Consumer Report I realized there was INACCURATE INFORMATION being reported on this account which in turn means this particular report is unfair to me. I was never notified when this INACCURATE information was FURNISHED nor was I notified during your companies initial investigation that you were going to report this information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) This GRAVE error has undermined my confidence in your companys procedures and as a result of this I will no longer be extending credit. IF THIS INFORMATION IS NOT REMOVED I no longer want my information reported in your companys database system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have a {$3000.00} bill from a early move out, 10 years ago, XXXX from collections west has harassed me, my family, all of my employers even threaten to jail my old boss just two weeks ago, they threaten your family members, they run your credit as if you are applying for credit with them to mess up your credit. he told me I'm lying about my XXXX XXXX XXXX son being killed kus he served him back in 2016 when he was just XXXX smh. I told him he cant serve a minor. I have filed bankruptcy due to his harassing calls an threating to come to my house, even when I'm not home. like I got XXXX daughters an after laying my son to rest my nerves are shot. this man stalks me like a XXXX ex. 

MY MOTHER HAS ASKED HIM OVER 20 TIMES IN THE LAST 2 YEARS TO STOP CALLING HER IM XXXX I DONT LIVE AT HOME WITH MY PARENTS. THIS MAN IS OUT OF CONTROL ... ... TO THE POINT I FEEL LIKE I SHOULD GET A RESTRAINNING ORDER ON HIM.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation