BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 sent a XXXX certified letters XX/XX/2018 USPS in regards to multiple inquiries that I did not consent to as well as late payments being reported. I contact each company directly in regards to the inquiries and late payments both stating they don't have my consent for the inquiries and they don't have records of me making late payments. My letters asked for the bureaus to properly investigate and remove the late payments and the inquiries that I did not authorize. I did not receive updated report or notifications with outcome within 30 days.

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 2019-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is the 3 time I have have to address this issue on I have had a few issue with account that I do not recognize on my credit report.ITS HAS BEEN PAST 30 DAY AND I WOULD LIKE THE ITEMS LISTED BELOW TO BE REMOVED ASAP. I am refinancing my home when I found the following accounts : XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX  # XXXX I have requested a re investigation to dispute the unknown accounts I need a copy of my credit report for my own personal review.

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 2023-07-20
Company: Credit Management Services, Inc.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no idea what the letter is I just received I do not have anything like that I see on the letter it says that I had an account as of XX/XX/XXXX but no I do not have anything like that and it says that I owed XXXX Im receiving the letter and Im really confused stop sending me this letter Ihave never had an account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX XX/XX/2023, I contacted TD Bank to dispute a charge. 
I called in prior to the payment due date. 
I then received a letter stating : " The disputed amount and any related interest charges or other associated fees will not be included in the calculation of your minimum payment due. '' The disputed amount was the only charge on the statement. 
I then received a credit card statement with a fee of {$29.00}. 
When I contacted TD bank, I was told that the fee was assessed because I had not made the minimum payment. 
I was supposed to pay {$35.00} to avoid the charge. 
The associate that I spoke with at the time that I created the dispute, did not relay that information to me. 
The letter that I received from the bank does not mention that either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXX Collector : XXXX Original Creditor : XXXX Status : Unpaid Balance Amount : {$640.00}

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Request for Deletion of Closed Account from Credit Report I hope this letter finds you well. I am writing to bring your attention to an item on my credit report that requires immediate attention. The purpose of this correspondence is to request the removal of a closed account from my credit report. 

XXXX I recently obtained a copy of my credit report and was disheartened to find that this closed account is still being reported. Although this account was closed. it continues to have a negative impact on my credit score and overall financial standing. 

I would like to emphasize that this account was closed in good standing and all associated obligations were fulfilled as per the terms and conditions outlined by the creditor. Consequently, it is only fair that the presence of this closed account on my credit report be rectified to reflect an accurate representation of my creditworthiness. 

In accordance with the Fair Credit Reporting Act, I kindly request that you investigate this matter and take prompt action to remove this closed account from my credit report. Please provide written confirmation once the account has been successfully deleted. 

I have enclosed copies of supporting documents, including statements, correspondence, or any other relevant information that may assist in the resolution of this matter. 

Thank you for your prompt attention to this request. I have faith in your ability to handle this matter efficiently and ensure that my credit report accurately reflects my financial standing. Should you require any further information, please do not hesitate to contact me at the address or phone number provided above. 

I look forward to your positive response and a swift resolution of this issue. 

Thank you for your time,

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 2019-12-23
Company: R & B Corporation of Virginia
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Complaint ID XXXX I paid this debt that was wrongly sent to collections. Please see complaint above. The company corrected the amount owed and I paid it. Upon my payment of the debt the company, XXXX XXXX, was supposed to completely remove any trace of this incident off of my credit report since they were in the wrong and should not have sent to collections in the first place. The company has not removed the marks against my credit. There are in fact 2 marks from this one incident for the same bill. They split the bill in two and sent each part to collections separately. So two individual marks are still present on my credit report and this is the case with each of the three credit reporting bureaus. 

I have done nothing wrong in this entire situation, they have their money, they need to do what they said they would and have the marks completely removed, not just marked " paid '' but cleared of my report entirely. The company 's response below to my original complaint Note the company says they will update status to paid in full. This is not acceptable as my credit report should have not ever showed this bill. Marking paid in full will still show up and look like I had a problem paying a bill but once it sent to collections I paid it. IT SHOULD NEVER HAVE GONE TO COLLECTIONS- ALL RECORD OF THIS CHARGE SHOULD BE COMPLETELY REMOVED FROM MY CREDIT RECORD, THIS INCLUDES MY HUSBAND XXXX XXXX AS WELL. 

" STATUS Company responded on XX/XX/2019 RESPONSE TYPE Closed with explanation Company 's Response CCC has obtained account balance verification from the original creditor and today, provided the consumer with written validation of the subject debt via mail. Should the consumer pay the {$100.00} remaining balance due, CCC will instruct the Credit Reporting Agencies ( CRA 's ) to update the status of CCC-furnished trade lines to paid-in-full ; in keeping with our responsibilities as a data furnisher to the CRA 's. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2021-12-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I spoke directly to Portfolio over the phone a couple of times, once to say there was no way I could pay them because Im on a fixed income from the government ( XXXX benefits ) and theyd alloyed my money and where most of it goes ( rent and groceries mainly ) I have specific amounts I have to pay out or I could lose my benefits! I explained this to them and asked them to STOP CALLING ME PERIOD, they assured me they would. But I keep getting letters with threatening language in them and harassing phone calls- Ive even had to go as far as changing my phone number! They are scary and disrespectful and disruptive not professional at all. I also never received written notification of the debt or how to dispute this debt, I didnt know that was something theyre supposed to do until I went to make this complaint!!! I have rights that protect me from this kind of abuse I think please help me! I cant eat or barely sleep with worry that theyre coming for me. I just want the harassment to end! Thank you so much for this opportunity to be heard. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Please validate this information and provide with me the copies of any documentation associated with this account, bearing my signature. 
In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

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 2019-12-23
Company: CAVALRY INVESTMENTS, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Debt collector had over 30 days since XX/XX/2019 to produce a ( wet ink ) contract since disputed through all three credit bureaus and has been in violation of both the Fair Credit Reporting Act and Fair Debt Collection Practicing Act. Debt collector is sueing me in state court. No valid ( wet ink ) contract which is required by law. Is damaging my credit by falsy reporting debt to credit agencies such XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 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. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: ROBINHOOD MARKETS INC.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/2023 I logged into my Robinhood account from my new mobile phone. I went through all the necessary steps approving the device and even called their support team to approve this. My account was restricted as I attempted to withdrawal {$800.00} multiple times and it showed fraud. I then tried to make the amount smaller and withdrawal {$500.00} from the account and it did not work either and said that my account was locked due to fraud. I spoke with the customer service and the rep said it would be clear in 24 hours because of the new device, I also submitted bank statements, photo id, and pictures of myself to the company 5 separate times, Proving my identity and confirming my account. 24 hours goes by and I call back because I am having the same issues. They say a quick repair is to move the funds to the spending account and withdrawal funds from it. I attempt that and it locks my account down even further where I can not make any actions on my account. I call back on Monday the XXXX and the service rep forced me resend my license, my photo of my self, and bank statements again and said the account will be unlocked in 24 hours. I let 48 hours go by and wake up to an email from Robinhood stating my account was restricted even further. I login and states I have to re upload my ID and more pictures of myself to confirm it is me. I do this yet again and have no luck unlocking my account. I called back to customer service and they forced me to change my email and password stating that this would unlock the restriction on my account. I do this just as they ask and the account goes into further review. I then receive a voice mail from the company stating the review is complete and they need to speak with me. I call back 4 times and the reps say something different each time. But the one thing they all say is that my account will be sent in for review and take 7-10 days to recover. 3 service reps hung up on me with out any closure to the conversation and still did not allow access to my funds in this account which is {$52000.00} at this time. I have filed complaints with the SEC, the CFPB, and will be contacting my lawyer first thing in the morning to have my account restriction handled and to pursue a lawsuit against Robinhood for withholding my funds and not giving me access to my money, after proving my identity 6 different times, and doing everything the company asked of me. These actions by Robinhood have put my bank account in the negative, and left my family stranded on vacation. I have done everything that Robinhood has asked of me and still am. It allowed access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
We received a tax lien against our credit, we paid the principle which lowered the total amount well below the lien minimum and the lien is still on our Experian 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 2023-03-14
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 2019-12-23
Company: American Credit Acceptance, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/18 Wells Fargo Bank reversed a promised final credit of {$69.00} for purchase of non received merchandise -claim # XXXX for debt card ending in XXXX. 
This is a deliberate attempt to make my account balance negative & create NSF non sufficient fund fees for future transactions.

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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint

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