BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
*******see attachments for detail supporting******XXXX Dear Manager at the Credit Bureau ; Im a little shocked today! Can you help? Btw, happy XXXX XXXX! 

I just refreshed my credit report once again and honestly, I was shocked and surprised that these 3 negative accounts are still reporting on my credit report. I dont understand how is it possible that you actually stated that you VERIFIED this account as ACCURATE. As you can see the screenshots below, and Ive circled the inconsistencies, misleading and incomplete info on the way its reporting. Its my understanding that you must conduct a reasonable and thorough investigation not the computerized 2-digits number through e-oscar. I can not accept pre-printed template results, and this shows that youre NOT in compliant with the consumer laws. Saying that you verified, is a binding & legal contract that I can hold you against. I can promise you that its impossible that you verified these accounts below on the screenshots because they are reporting 3 different dates of LAST ACTIVE, LAST PAYMENT, LAST REPORTED, OPENED DATES, inconsistencies with payment history and payment status, etc. Its impossible and this is in violation of FCRA! Even the High Balance and actual balance is questionable! Also, wasnt both XXXX, XXXX, and XXXX sued before for not compliant with FCRA by FTC and Cfpb? Especially XXXX, for not applying for the payment currently into the consumers account? Im sure they were sued and forced to pay the consumers and removing the derogatory remarks!!!!

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 2021-10-28
Company: EQUIFAX, INC.
State: MD
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:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Westlake Portfolio Management XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX  XXXX Subject : Debt Validation Request Dear Sir/Madam, I am writing in regards to the alleged debt you claim I owe. I am formally requesting debt validation as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

I have been contacted by your company, Westlake Portfolio Management, about a debt purportedly owed to you. However, I dispute the validity of this debt and request that you provide the following information for verification purposes : The original signed contract between myself and U.S. Auto Finance , Inc. and US Auto Sales Inc, if applicable. 
A complete account history, including all charges, interest, and fees that make up the alleged debt. 
Proof of your legal right to collect this debt, including documentation showing that you are authorized to collect debts in my state. 
Until you can provide the requested information and validate the alleged debt, I request that you cease all collection efforts, including phone calls and letters. 

Please note that I am aware of my rights under the FDCPA, and any violation of the act will be taken seriously. 

You have 30 days from the receipt of this letter to respond to my request. Failure to provide the requested information within this timeframe will be considered as your acknowledgment that the debt is invalid, and all collection activities must cease. 

Please respond in writing to the address provided above. 

Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Block, Inc.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a transfer in of {$100.00} on Wednesday, XX/XX/2023 from my banking institution to Square ( Squareup.com ). I tried to use my card to purchase food at fast-food location and it was declined ; upon using my Squareup banking card. I checked the funds in the account and as of today, XX/XX/2023, I have a total of {$100.00} and the purchase was just over {$25.00}. Upon contacting the company, the first attempt, the representative stated she would have more info in 24 hours as to why my debit card wouldn't work. Later this evening, I then received an email stating that my funds will be held for 90 days. Around XXXX XXXX  I called and spoke with another representative and she said there was fraudulent activity on my account but couldn't explain to me what a fraudulent charge on my account was or is. There are a total of TWO transactions on this account in total and she couldn't explain. Therefore, my funds are being illegally with held as the company can not provide proof to their claim of fraudulent charges. Why are they being allowed to hold money from people just because they want to? This is illegal and I will make sure to share my experience with everyone so this will not happen to them. Also, I have the recorded audio from their representative not being able to give a reasonable explanation. I will be sure to share it on social media as well as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: I.C. System, 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:
I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my XXXX XXXX is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.

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 2019-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am writing in regard to the charge off accounts on my credit report for my Bank of America. On XXXX XXXX I agreed to pay the lender with the assurance that it will be removed off my credit report, a " pay for deletion ''. I have had a constant battle with lender honoring their part of the settlement. I am requesting that this account be removed. It has now been over 45 days since requesting lenders to delete this account, the request was delivered XX/XX/XXXX through USPS Certified Mail, with no response. The lender have responded to letters in the past stating that the account is accurate, and I advised them I am not denying it. I understand that this account is valid, but I paid this account with the promise of the deletions. I fell behind XX/XX/XXXX, six years ago, because my mother was diagnosed with XXXX and had to take care of her. I then settled on XX/XX/XXXX, four years ago and since then I have been dealing with this burden. I paid for deletion, I did the right thing, rather than just waiting seven years for it to fall off. Since then, I have gotten all my finances in order and paid every account on time without a blunder. I am trying to provide for my family and purchase a home for us and this has had a major impact. Please help me be able to provide for my 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 2021-01-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian wont allow me to submit multiple reasons on why XXXX is illegally requesting debt. 

Experian knows my information. They know I XXXX XXXX XXXX XX/XX/XXXX. They should be familiar with student loans also. 

Therefore, they shouldnt be allowing XXXX or any other student loan services to attempt to collect a debt 3 months before its required to make payments. The promissory note stayed, 2 years after XXXX you begin paying. Afterward you can get forbearance or IBR. Etc. 

They attempted to collect XXXX XXXX  debt XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. Then I called them in XXXX and had to get a forbearance. 

At the time, I was going through a lot of other things but now I realize I didnt even need a forbearance yet. They forced me to use it by using experian to report negatively. Experian didnt do their homework on this one and Ive had to suffer for 4 years because of it. 

Experian, do your homework and stop just taking the word of these crooked lenders. Especially XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: CA
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:
Two loans were fraudulently applied for in my name and filled out by XXXX XXXX of XXXX XXXX and his in-house staff. These fraudulent loans were submitted to XXXX XXXX to obtain two construction loans. XXXX XXXX then sent XXXX XXXX approximately $ XXXX in XX/XX/XXXX. In XXXX of XXXX, I began to receive notices of a bill for these loans, which also appeared on my credit report ( hard inquiry, and the reporting of two loans approximately $ XXXX each ). I never met XXXX XXXX, nor have I met any of his employees. I never contacted XXXX XXXX, nor have I spoken with any one of his employees. I never authorized XXXX XXXX, nor did I authorize any of his employees, in person or in writing, to check my credit or submit an application for home loan construction. I am not satisfied with just the cancellation of the loans. I would like the hard inquiry removed from my credit report, because XXXX XXXX and his staff at XXXX XXXX along with XXXX XXXX conspired to commit fraud against me. XXXX XXXX refused to fully acknowledge the fraud nor any culpability and responsibility to do good faith business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Transunion requesting that they correct these erroneous accounts being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if Transunion chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX  XXXX XXXX Date opened XXXX XXXX, XXXX Balance XXXX XXXXLate/Open Late Date XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX-Late/Open Late Dates XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Open Late Dates XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Open Late Dates 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 2019-06-12
Company: U.S. Collections West, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received collection letters from U.S. Collections West, Inc. Each letter had a different amount listed of money owed. I contacted them to find out what the debt was for and why I had received letters stating different amounts being owed. I spoke to XXXX XXXX. She was very rude to me on the phone and hung up on me mid sentence when I was trying to dispute the validity of the debt. I requested documentation for money owed adding up to the total amount owed. She initially refused. Upon further argument she still refused to mail said documentation to me and claimed she would email me. I still have not received any documentation in regards to said money being owed. She threatened me with legal action and told me she would garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Transunion credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
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 2022-07-08
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comeity Bank which is used for my Lane Bryant has had a system outage since XX/XX/XXXX it is now XX/XX/XXXX and they keep with drawing money from my account. I can not get a hold of customer service for 10 days as there system has been out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
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 Balance Owed : {$920.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX Balance Owed : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance Owed : {$0.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX XXXX XXXX Balance Owed : {$280.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - This account is showing several violations. You are reporting a Monthly payment on this closed account. These are violation please delete this account. 

XXXX XXXX XXXX Balance Owed : {$420.00} - This account shows a lot of violations. Balance is incorrect and payment history is inaccurate. Delinquencies reported after the account was closed. These are all violations please REMOVE this. 

XXXX XXXXXXXX Balance Owed : {$2300.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete immediately

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 2021-01-20
Company: Tulsa Adjustment Bureau
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I contacted a debt collection agency ( tulsa adjustment bureau ) regarding a written collection I received from them after having never gotten a first bill from the original medical lab ( XXXX XXXX XXXX  ). When I asked for the labs contact information on the phone, the collection agency employee refused to give it to me. I then had to call my doctor and get the phone number for the lab from them, and was told by them that tulsa adjustment bureau should have given me that information themselves. I have since tried yesterday and today to reach the medical lab over the phone with no success, despite leaving voicemails and calling repeatedly and waiting on hold repeatedly. This is the second time this lab has sent me directly to collections without first sending me notice of a bill so I can pay and keep it out of collections, and they are affecting my credit score unnecessarily and wantonly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My Name is XXXX XXXX I have requested some form of paperwork of legal docs supporting the claims of the following accounts : XXXX XXXX XXXX, XXXX XXXX. This is the 3rd time I have filed a complaint over the unknown account on my credit file. 
It is well known that FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for theseissues, and that section 621 of the FCRA supports my request in this 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