BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2017-05-12
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On   XX/XX/XXXX  I sent a  letter to the address provided on their website in regards to their derogatory information that is being rep orted to all    XXXX   credit bureaus against me.   They failed to respond by mail so I then called them in regards to the letter that asked them to verify the debt.   They stated that the information is valid but I then again asked them to submit the documentation in writing and they have yet to do so however they did submit derogatory information to the credit bureaus once more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Optimum Outcomes, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Continuous phone calls, asked to not be called and have information mailed to address they have on file for specific amounts and dates. No letter came just repeated phone calls all through the day and evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617.

This is the third time Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter, as well as copies of the three written letters, sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite several prior written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
XXXX XXXX XXXX # XXXX You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide a method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability, and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this mater to enforce my rights under the FCRA

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 2023-08-30
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a collection letter in the mail from Debt Recovery Solutions , LLC ( XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX ) dated XX/XX/2023. After receiving the letter on XX/XX/XXXX, In the letter, it stated a due date of XX/XX/2023 PLUS A DISCOUNT OFFER to settle the debt. ( See attached document ) I filed a report on their website on XX/XX/2023, stating that the loan in question was not mine and had been taken out using my XXXX identity information. The address used and bank deposited to were both in Utah. The loan originator had already determined the debt was not mine through documents submitted three or four years ago. I was never contacted again by the originator, XXXX XXXX XXXX nor current creditor, XXXX XXXX, XXXX, before DRS sent the debt collection letter last week. 

I received a response from XXXX XXXX, XXXX, Vice President of Client Services for DRS on via email on XX/XX/2023, stating " We are in receipt of your email. We will request supporting documentation to be sent to you for your review. '' ( see screenshot attached ) Today, XX/XX/2023, DRS submitted notice of collection to the major credit bureaus. DRS and I were working through a good-faith dispute that certainly had no time to be resolved and they should not have reported this collection. 

I am confident that the original documents will prove that the debt was taken out without my knowledge by parties unknown to me. The bad-faith tactics employed by DRS should not be legal and collection removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Army and Air Force Exchange Service
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 : states I have the right to privacy. Under 15 USC 1681 section 604a section 2 : a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 2023-08-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with the accounts listed. I have not received validation for these accounts as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on XX/XX/2023. Equifax is saying the accounts XXXX and XXXX XXXX, and XXXX are my accounts I stated they were taken out frequently. I have asked for supporting documents to be mailed to me regarding the contract. They have failed to do so. XXXX came back stating XXXX XXXX finewise/opploans, and XXXX XXXX XXXX XXXX  is mine these are fraudulent accounts I have asked for supporting documents they have failed to send them to me. XXXX stated upstart, XXXX are my accounts. They all have failed to submit the contract with my signature and current address. I did not take these loans out at all. They are in violation of FRCA Fair Credit Reporting Act code 15 U.S.C 1681 ( E ) and my privacy rights as a consumer. Please strike and remove these accounts from all XXXX credit bureaus until adequate validation has been received providing that the accounts belong to me and all information is correct. I have not supplied proof under doctrine of estoppel by silence. XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no debt, no therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Check Security Associates, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
on  XXXX / XXXX / 2017 , threatening phone call to my cell phone and place of employment. Company represented themselves as a law firm and threatened to call my friends and family in an attempt to garnish my wages. Called my place of business after being told I withdraw my consent to be contacted at that number. Continued to call and threaten to contact my payroll department for a wage garnishment even after being told to stop. Refused to identify themselves or provide an address or to send written verification of the supposed debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: CA
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Diversified Adjustment Service, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I wasnt notified of this debt nor given the chance to dispute it, before it was added to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Resurgent Capital Services L.P.
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: Investigation took more than 30 days

Complaint:
I received information from XXXX, XXXX, & XXXX that this creditor has verified that the account they are reporting under my name is accurate. 

But, I requested the description of the procedure used to determine the accuracy and completeness of the information, which I have not received. I requested this information and still have not received any documentation on this creditor to verify this is my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I made an online purchase on XX/XX/XXXX that as delivered to me. I then returned the items on XX/XX/XXXX and purchased other items. I did not get the correct credit and THEN on XX/XX/XXXX someone used my card to make additional purchases that I did not authorize on XX/XX/XXXX. I filed a fraud complaint and was told that the order on XX/XX/XXXX was mailed to me. IT WAS NOT! The tracking number they gave me isn't even accurate. I want the charges of {$120.00} removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX / XXXX / XXXX paid my bill to American Express Credit card from my personnel check ( Check # XXXX for {$4900.00} ) from XXXX XXXX XXXXXXXX. The bill said due date XXXX / XXXX / XXXX. 

Today XXXX / XXXX / XXXX I received a new balance bill. I noticed American Express charged me {$29.00} for late fee from my last bill because they received my payment on XXXX / XXXX / XXXX. 

I called and spoke to Supervisor XXXX ( Case # XXXX ) And requested to remove the late fee because I do not know why my mail get to their Office for 8 days, and I never late on paying my bills. Also, they should consider the date I sent was stamp on XXXX mail. I paid my bill. 

XXXX XXXX told me he can not help because it was American Express XXXX. 

I am asking your Office for help regarding this matter. 
Thank you very much for your help. 

XXXX, XXXX XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: BB&T CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have kept my  BBT Visa card current for the most part ( greater than 95 % of the time ) since its issuance. I spoke to a representative today and learned that the card  had been cancelled even after I made more than double the amount due as a minimum amount in the last 14 days.     The card balance was made successfully. I never bounced a check or had issues with the minimum payment and sometimes paying much more than the minimum. The card statement shows available credit but when I used it today, I was blocked on the account.     As consumers, like me, recover from the financial crisis, they need access to credit in underserved areas. The card was not paid chronically late ever. The last balance was not even over 90 days and typically the card is paid as agreed.      BBT added la te fees and other cost that caused the card to go over the limit.

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Hello, I sent a letter regarding inaccurate and unknown items on my credit report on XX/XX/2022. Til this day over 11 months later and I still have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. It has been over 120 days so they should be deleted promptly. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 US CODE 1681e9b ) and 15 US CODE 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate information. 

This has cause me significant damage to my credit report and score and has blocked me from being able to pursue credit for my business and being able to provide for my family a better life. I am in severe distress and I need the credit bureaus to respond to my request with a reasonable investigation and to remove these unverifiable and highly questionable accounts off my consumer report. As a consumer we should be protected from companies falsifying information on our report and reporting incorrect info.

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 2017-05-12
Company: DISCOVER BANK
State: MI
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:
Just made a payment of {$350.0 0} to Discover car d the other day.     The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Being directly affected by medical complications from XXXX XXXX, my great credit was affected with loss of job, work then XXXX twice. I fell behind on four creditorsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card. Recently, regaining my life, I was able to call all my fault creditors listed above on XX/XX/2023 and made agreements to pay them off in full or negotiated a settlement. All negative reporting creditors, 4 above, were paid, closed and settled, I have agreement paperwork as proof. Since XX/XX/2023 each week my fico score has increased due to paying off my debt. XXXX, XXXX, XXXX, XXXX then XX/XX/2023 XXXX. All reported by experian. On XX/XX/2023 Experian reported my fico score now to XXXX without explanation. I owe nothing and paid all my creditors off, trying to get my life back. A notation of being directly affected by XXXX XXXX is stated on my credit report as to reasons why missed payments happened but now Ive paid all creditors. Also, experian reports two ( 2 ) same accounts, XXXX XXXX with original balance of {$9000.00} on my credit report with negative reporting but this is only 1 account, and their reporting it as two separate accounts with negative information. Completely false, untrue and incorrect. Ive tried several times in phone calls and disputes with experian but they ignore my request, continue to report XXXX account twice instead of once and now they are changing my fico score from XX/XX/2023 which was XXXX to now, XX/XX/2023 to a XXXX. Absurd, unethical and unacceptable. Theres no reason for my fico score to decline by XXXX points within 6 days when all creditors have been paid, satisfied and my fico score has gone up every week as updated information is done. Experian is hurting my ability to obtain collage financial assistance, housing and credit with this inaccurate reporting and refuses to acknowledge or assist me. Im trying to do the right thing, pay my debts and get my life back. Im XXXX XXXX old and they are making my life incredibly hard, hurting me in obtaining and trying to increase my credit back.

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 2018-11-13
Company: McCarthy, Burgess & Wolff, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today, XX/XX/XXXX, I received a call from XXXX XXXX ; employee from Debt Collection Agency McCarthy , Burgess & Wolfe. For the second time in two weeks, said employee has been attempting to arrange to collect an inaccurate and unverifiable debt on behalf of XXXX XXXX , XXXX On each call, the alleged balance differed. I advised Ms. XXXX, on both occasions, communication has been established with XXXX XXXX, XXXX to verify, validate and resolve the debt. Collection efforts should have ceased ; instead, she proceeded to state that collection efforts will continue. I requested a valid original instrument of indebtedness in its original form with my signature on it ; Ms. XXXX stated she will get an invoice and does not have to verify my signature is on it. At this moment, it was made clear, via Ms. XXXX own admittance, that she was attempting to collect an alleged debt WITHOUT valid documentation as per the FCRA and the FDCPA ; Federal Law. McCarthy, Burgess & Wolfe and XXXX XXXX , XXXX are both attempting to collect a debt for the same account number, with different balances. 

With beyond a reasonable doubt of information regarding and pertaining to the training, education and collection practices of McCarthy, Burgess & Wolfe, along with their employees ( which should each be held personally responsible for being unable or unwilling to comply in collection efforts of only 100 % accurate and 100 % verifiable accounts in accordance with 15 U.S. Code Sec. 1629e ( 8 ) and Sec. 809 ( b ) of the Fair Debt Collection Practices Act via NOT ignoring or overlooking physical verification of a consumer contract with their signature on it in accordance with FCRA Sec. 609 ( a ) ( 1 ) ( A ) ), I respectfully request an investigation of all accounts paid to McCarthy, Burgess & Wolfe to cease all improper collection practices. Should this matter end up in court, I respectfully request all consumers violated be reimbursed all accounts that resulted in paid status under obvious violations, like mine ; and pursue a Class Action Lawsuit for Improper Debt Collection Practices in pursuit of statutory damages plus attorney costs and any applicable fees in accordance with 15 U.S. Code Sec. 1692k (  a ) ( 2 ) ( A ), similar to the CFPB ordering XXXX XXXX XXXX XXXX to pay $ XXXX for Improper Debt Collection Acts on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation