BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-24
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This company and the cellphone company in question were both included in bankruptcy that I had and I have never had another account with the cellphone company. The debt collection company sent a letter and I responded immediately with a debt validation and never received anything. What they did was put the collection on my credit reports without validating or sending me any of the information that I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the Fair Credit Reporting act. The List of accounts below violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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. This also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681. ( 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 non-monetary relief
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Bankruptcy Filed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06
Company: Bridgecrest Acceptance Corporation
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
BridgeCrest, XX/XX/21. My XXXX to XXXX according to XXXX XXXX of rescission. They have been none compliant and has not offered a remedy to resolve the matter.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
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. The following accounts have been investigated multiple times with all three reporting agencies. The results of the investigation have not been updated as promised and currently prove to show inaccurate information that is negatively impacting my life. I have asked for the verification of dates. Balances, matching addresss, and account information on my credit report for all displayed accounts across all bureaus. All 3 reporting companies have stated that the report is up to date and every single detail displayed is accurate. After, I decided to investigate and thoroughly review the report about this old information and found multiple discrepancies and errors after they made opposite claims. This is frustrating and impedes the process to financially prosper. Following accounts must be removed from my credit report as I also do not have any signed contracts associated with them. Also, these accounts are over 7 years old and violate my right for how long it should be reported. 

XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 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 and other adverse items 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 non-monetary relief
Consumer complaint received 2024-01-06
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XXXX XXXX XXXX I went online to make my mortgage payment. The amount due was {$2100.00}. The next day I looked online and saw that the payment had posted. On XX/XX/XXXX I received a check from the company for the same amount I had paid. I called the company and was told that I had made a double payment so they were sending me the money back. I asked them if they were sure and I could cash this check. I was told that I could cash the check. On XX/XX/XXXX I went back online and noticed that the payment had been reversed, showing me as not making my payment. I called them and explained what had happend and what they did and they said I would have to make the payment again. Even though this is their fault I am having to pay for it. 
I called and spoke with a team lead by the name of XXXX and was told that I just needed to continue making my payments and not worry about being behind. 
I also called and spoke with someone in financial assistance about being a month behind and could they put the payment at the end of the loan. I was told that they could not do that because I was not 4 months in arrears and that being a XXXX  this would look bad for me. I told them I was concerned about being a month behind and being charged late fees. I was told not to worry about it and to keep up with the late fees if I can. 
I went online to make my next payment at the end of XXXX and a few days later I noticed that the payment was showing as reversed. I called the company again and was told they would not apply the payment until they receive all of the money. 
Their mistake is causing me to be a month behind which I am not. I make my payments on time every month and I care about my credit. This will eventually affect my credit. 
I believe this is their mistake and I should not have to pay for their mistake. I would like to have this resolved by them bringing my account up to date. 
I am attaching copies of the payment history which shows what they have done with my payments.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
PUBLIC RECORDS INFORMATION SHOULD NOT BE ON MY REPORT Reported on XX/XX/XXXX REPORTED ON XX/XX/XXXX REPORTED ON XX/XX/XXXX REPORTED ON XX/XX/XXXX REPORTED ON 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 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone tried opening these account in my name. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to reach a live person to speak to at experian credit reporting agency. The only number I have to contact them is XXXX. A recording keeps coming on asking to push 1 for fraud information and 2 to order your credit report. It is impossible to speak with someone. I have disputed in writing several times incorrect information on my experian credit report. I can't even get online to submit a dispute. I have a report number but the website won't allow me on. I have disputed an account ( XXXX XXXX XXXX XXXX XXXX ) that is showing as negative on my report. This information is INCORRECT. I've had several combined loans years ago with XXXX XXXX XXXX XXXX XXXX and have paid the balance in full. It's reporting as a write off which is completely wrong. Having this wrong information is hurting my credit score. XXXX  has deleted the account I do not understand why experian and XXXX are still reporting this. I contacted XXXX  and was told they received there response to the investigation and it will be deleted off my credit report. The same response should have been received to experian and XXXX as well. Another account I have is XXXX XXXX dept store. It is showing as a late payment back from XXXX. This is also incorrect! I have never been late in paying XXXX again XXXX  has corrected it but experian just keeps updating the same information. The last one is XXXX XXXX XXXX. There are fraudulant charges on that account from XXXX. My credit score is being affected due to wrong information reporting. I am submitting this complaint because experian doesn't care to take the time for the consumer and do a true investagation. My credit is most important to me and I am aggravated that you can't even speak to a live person to dispute these accounts again. I also have disputed them as I mentioned earlier in writing several times. One time they gave me a wrong PO Box number and my letter was returned 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 explanation
Consumer complaint received 2024-01-07
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The company closed the account prematurely we already made arrangements and also paid on this account.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to bring to your attention an issue on my credit report that requires immediate correction. Upon reviewing my credit report, I noticed the presence of late payments that I believe have been inaccurately reported. I kindly request your assistance in promptly addressing and rectifying this matter. 

I understand the importance of accurate credit reporting, and I value the integrity of the information contained in my credit file. However, I believe there may be errors in the reporting of late payments that are affecting my creditworthiness. To assist you in resolving this matter, I have enclosed copies of relevant documentation, including proof of timely payments during the periods in question. 

XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative XXXX 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX  customer service representative XXXX 

I respectfully request that you conduct a thorough investigation into the reported late payments and take the necessary steps to either remove or correct them on my credit report. I am confident that, upon review, you will find that the reported late payments are inaccurate and do not reflect my payment history accurately. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that inaccurate information be corrected promptly. I trust that you will handle this matter with the diligence and attention it requires. I kindly request that you keep me informed of the progress and any actions taken to address this issue.

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 2023-11-24
Company: Experian Information Solutions Inc.
State: IA
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 a victim of Identity Theft and I would like to seek your help to help me remove these erroneous information and unauthorized inquiires, accounts, inaccurate names and inaccurate addresses from being reported on my Credit Report. I have no idea of how this fraudulent activity happens and I have no one to suspect. I have not taken any kinds of services, goods, and/or money as a result of this fraudulent activity. I would be more willing to help you if you may need any information to help you remove these items. Thank you in advance : XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Original Creditor ( XXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Original Creditor ( XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA 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 2021-08-19
Company: AMERICAN EXPRESS COMPANY
State: FL
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 made a payment to American Express on my Personal Loans account. The payment did not initially clear as my employer was late releasing reimbursements to me because of COVID related staffing issues. Amex immediately re-presented the check and it was then cleared by my bank. I have called Amex multiple times and even did a conference call with our bank with AMEX who confirmed that the funds were released from our account to Amex via ACH on XX/XX/XXXX. Our account with AMEX still reflects that the payment was returned and we have not been credited for the funds they received on XX/XX/XXXX. Amex has also advised that we have 'one profile ' and they have retricted our ability to utilize the XXXX XXXX  because they still show the payment as not being honored. We have been AMEX cardholders since XXXX. My credit line or in Amex speak purchasing capability has essentially been eliminated and now all payments require a five day hold! I called this morning and after an extended hold got a recording that their systems were not working and they could not help us. I am very dissapointed in AMEX, so much for showing any empathy or understanding during COVID, I have literally spent hours on the phone with AMEX to resolve this to no avail. Everytime I call I get routed to collections ( even though the account is current ) and then get emails after the fact that I have made a " promise '' to make future payments. Something is very wrong here. I suspect the customer service agents I am talking to are in fact collection agents and instead of resolving the issue they get paid incentives to get reflect on my account that a " promise '' has been extracted even though that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
There are many more details in my notes. 

I have them written down, and would like to discuss with your attorney/ representatives This is a short summary : I purchased a brand new XXXX XXXX XXXX in XXXX. 
The car was perfectly maintained. In the first year, I had issues with the transmission and Ford replaced the original transmission. Despite my efforts of high quality maintenance during these issues, we were still having issues with the drive train. 

I found out that there was a " lemon law '' for this car and other models during the XXXX model years. Ford was sued by thousands of people for the faulty transmission and subsequent drive train problems. 

While the car was still under warranty, I brought the car in to have transmission repairs again. This was a recurring issue. This is why there is a lemon law for this car. 

Ford put in a third transmission, and submitted a {$5000.00} repair bill to me. At the time I had been making payments to own this vehicle. At this point, I had paid at least 36 months towards the loan. 

In XXXX I was unable to use the car due to it not running correctly. 
Ultimately, I had to take the plates and the insurance off of the vehicle because it was undriveable. I ended up having to put an older car on the road to replace it. 

The Ford dealer submitted the bill to me and I fought both Ford Motor Credit and Ford Corporation because I was unsatisfied with having a vehicle that had become inoperable, as well as the experience of sub-par customer service Ford did not return my vehicle to me. 
The car was repossesed, and I stopped making payments. 
Ford has served me a lawsuit for {$14000.00} which I am protesting and will be defending myself in court for. I am seeking to counter sue Ford, and I would appreciate any insights or assistance in this direction. 

Please help me with this lawsuit. 

Truly, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
As of XX/XX/23 i havent been able to use my debit card or access my funds in my account with no warning from USAA. once i called it was a two hour wait to be told they would call me back on the call back service. Once they called back it told me it was unable to conduct the call back service. I then called again and was told my account was under fraud review and someone would call me within XXXX hours. i called again this XXXX  and was told the same thing, even told yes i would not be able to feed my kids or put gas in my car or pay my bills because of a supposed fraud review.

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