BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 


According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2023-10-04
Company: MRS BPO, LLC
State: MI
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I transferred my service to another company on XX/XX/XXXX You must get a release for the phone from XXXX in order to switch your phone over. They released my phone number but continued to charge me for the service I no longer had. They have now transferred my account to a collection agency stating that I owe them {$300.00} I do not owe them. They also increased my bill without notifying me of the increase 30 days prior to give me a chance to agree to their new terms. My phone bill had doubled I was not going to pay that amount so I switched to another phone service. They are trying to collect a debt that I do not owe. You an never reach anyone on the phone you can only talk to a computer they are trying to run the company thru AI. Therefore you never get anything resolved you are constantly prompted to pay your bill otherwise no discussion

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18
Company: SYNCHRONY FINANCIAL
State: PA
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:
On XX/XX/2019, SYNCB/TJX CO add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per 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 2023-10-04
Company: Resurgent Capital Services L.P.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
LVNV FUNDING LLC XXXX XXXX XXXXXXXX report as a charge off by a debt buyer and has inflate the balance. suppress any information unauthorized by consent.1681q obtaining information under false pretenses : any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined XXXX1681r unauthorized disclosures by officers or employees : providing information concerning any individual from the agency files to a person not authorize to receive that information shall be fined {$5000.00}. Section 5 ( a ) of the FTC ACT 15 USC 45 ( a ) prohibit, unfair, or deceptive acts or practices in or affecting commerce.According to the ( debt bondage repair act ) prohibits, a consumer reporting agency from reporting adverse credit information about a consumer that is the result of severe trafficking in financial information. I fraudulent misrepresentation is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Possible Financial Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I usually use this company to aplay for small anount of money, XXXX and I always pay them back XXXX every other week XXXX or so. 
I request that money on Friday XX/XX/2023 and they sen me a lot of questions and emails requesting personal information that I don't want to send because I was afraid of stealing my personal information and they already have on file everything they need. After a few emails ( they never call me ) I decided to request to cancel my account and they don't want to and I try to erase my bank account and not let me doing it. What can I do?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 the SBA sent a Bank Wire in the Amount of {$9000.00} to my personal checking account I have with Chime. It was rejected by Chime. I was told that it was rejected because of the name on the check. Upon further research, there were no errors in my name. I was emailed and told that it was rejected because Chime does not receive Business Loans to Personal checking accounts. 

I explained that in my state a sole proprietor/ Independent Contractor/Owner-Operator of a business is not required by law or the IRS to have business banking. That my First loan and advance was received without a problem. 
I have not been able to reach anyone at the SBA to update banking information. 
I feel marginalized and discriminated against by my bank. They have harmed my business and my mental and emotional state of mind. Preventing me to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: NJ
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2021-03-17
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I agreed to a settlement offer over the phone with a female Rep at Genisis Credit Management. The payment arrangement was set at {$50.00} payments. The Rep said that the settlement offer will follow in the mail, after I make the first payment, with the details of the {$50.00} payment arrangements, the final settlement offer of amount of {$2500.00}. The letter was never received by me. They would only provide documentation of the payments I made, never a settlement letter. I followed up every payment made by requesting the letter. Later, I was told by a new Rep, that their records do not show a settlement offer was in their system. Late last year, I was finally able to speak with a manager, XXXX, who reviewed the account notes and informed me that the Rep NEVER setup the settlement and he is not able to honor a settlement. I asked him why would I pay {$2000.00}, without a settlement offer to a collection agency. The manager, was not helpful and unwilling to offer any type of assistance in the matter, he demanded balance in full. I informed him that they have misrepresented and LIED, in the efforts to obtain and secure payments. I have made several attempts, multiple conversations with Reps, who identified themselves as Managers and then disconnected phone calls. However, I would later receive a phone call, I requested each Rep to read previous notes. Ironically, the previous Rep did not make specific notes, just that I was hostile in communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After several attempts contacting XXXX XXXX XXXX they refuse to remove a medical collection in their response they sent me back my medical records which is a HIPAA violation also I did not sign a HIPPA release form for them to have the information and when I told them that they still refuse to remove it every time I got on the phone with them they gave me nationalities still have not verified that they sent they sent me back my medical records Which station that half in this letter below whos all the medical records they should not know what I had done at the doctors office oh my doctors name any information like that

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern : This letter is regarding account # XXXX, which you claim {$2100.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

My contact information is as follows : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Resurgent Capital Services L.P.
State: IL
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 am writing to address the collection activity by Resurgent Receivables, LLC on my credit report. I have noticed a collection account that I am unaware of and have no knowledge or obligation to Resurgent Receivables, LLC. Ensuring the accuracy of my credit report is important to me, as it reflects my true financial standing. I believe there may be an error or misunderstanding, and I am committed to resolving this issue. I kindly request a thorough investigation into the validity and accuracy of the collection account. I ask Resurgent Receivables, LLC to provide clear and verifiable documentation supporting the existence of the debt and my obligation to pay. During this investigation, If Resurgent Receivables, LLC can not provide sufficient evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: EQUIFAX, 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
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:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 


BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX/XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$700.00} Company : XXXX Account # :XXXX  Date Open:XX/XX/XXXX Balance : {$1400.00} Company : XXXX XXXX/XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$11000.00}

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 2018-12-21
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent letter to the collection agency asking them to VALIDATE a debt .The company sent me bills and that's not validation. XXXX sold the debt to XXXX XXXX XXXX # XXXX and I would like for this account to remove from my credit file.!

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 2023-06-15
Company: FC HoldCo LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I'm looking over the document and that's not my signature I don't know what scam was done but I don't like it and this is a lesson learned too never do business with crooked bank like this in my life I know something wasn't right but couldn't put my finger on it

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 2023-06-15
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Td bank were my accounts are XXXX was used to send XXXX payments to a scam for a puppy. The person was on XXXX and started to try to extort money said itvwould be refunded. A fbi complaint was filed, the messages were given to the Bank along with several other documents proving the scam and the demand for money. In all XXXX payments were sent XXXX and XXXX. My husband is a double amputee vet on XXXX I'm on XXXX with XXXX XXXX. The bank denied the complaint. Even with the messages from the person stating he would refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: GATEWAY FIRST BANK
State: LA
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:
On XX/XX/2022, In accordance with the fair credit reporting act, this creditor Gateway Mortgage has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: LEXISNEXIS
State: TN
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:
I XXXX XXXX, rights of privacy has been violated and breached by this bureau which is a direct violation of federal law 15 U.S.C 1681 ( a ) ( 4 ). This bureau is a also in violation of federal law 15 U.S.C 1681b ( a ) ( 2 ) by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: TX
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. 

Account name : 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 XXXXXXXX, 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 response to consumer: Closed with explanation