BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, XXXX, or local law enforcement agency, including the United States XXXX XXXX Service, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-02-14
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is another complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX, KS XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX KS XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX KS XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX XXXX XXXX XX/XX/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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19
Company: Altisource Portfolio Solutions, S.à r.l.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had a home warranty with XXXX XXXX XXXX. I have maintained the warranty off and on since I purchased my home in XX/XX/XXXX. The last series of claims were handled very poorly, with problems continuing to persist. A complaint was made to XXXX and I was told repeatedly that it was due to a high employee turnover at the time. As for the service ... It appears they bandage mechanical issues, rather than repair the source ... causing ongoing issues, creating more revenue from deductibles. I decided I needed time to shop around for another home warranty before I paid any more premiums. I was under no contract, and was told multiple times, over the course of the business relationship, that a cancellation notice was never needed. If I no longer wanted their services, I simply stopped paying. That is what I did. I received a letter from Nationwide Credit , Inc stating that they are collecting a debt of {$180.00} from XXXX XXXX XXXX! So XXXX continued to bill be for FOUR MONTHS, then turned it over to collections. I have had ZERO claims since the last series that was handled so poorly in the fall of XX/XX/XXXX. This is a complete racket!! I should not owe this amount. And if I do n't take care of the " debt '', my credit score will suffer. That I can not afford ( a drop in credit score OR the debt ). I am a single mother with XXXX children, receiving no support from the non-custodial parent or anyone else, just recently in XXXX from XXXX XXXX XXXX XXXX XXXX ... ..I should NOT owe this debt. When I have tried to contact their billing department, the recording says the wait time is greater than one hour. Not surprised, considering their new business practice. When you try to contact their SALES department, there is ZERO wait time, but they will not answer my billing questions. This home warranty company needs to be closed down. Please contact me to discuss my options. 

XXXX XXXX XXXX Contract ID : XXXX ( XXXX )  XXXX Nationwide Credit, Inc Account Number : 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 2020-11-25
Company: Lendmark Financial Services
State: MD
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:
This account has been reappearing on my account for some years now. I have made several attempts to resolve this issue and this issue still has not been resolved. I have also contacted each credit bureau and this issue still has not been resolved. 

Under the credit reporting laws this is to be removed from my credit report. I have sent 609 Letters a total of 6 times. 

This is a old resolved and closed account, If the collection agency does not have a reason to report this to the credit bureaus it should be removed. If they do see that it is an accurate credit reporting, I have been asking for all supporting documents be sent to XXXX. 

Lendmark Financial Account # : XXXX Date Opened : XXXX Account Status : Closed 1st Letter : XXXX 2nd Attempt via dispute online : XX/XX/XXXX 3rd Letter Follow Up : XX/XX/XXXX Final Attempt : Called all Bureaus and Company and I received no help with resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Self Financial 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: Account status incorrect

Complaint:
XXXX/Self is reporting an incorrect status on my credit reports. The account is paid. The account balance is XXXX. However, the account status is being reported as 30 - 59 days past due although the account was paid off in XX/XX/2020. The account status is WRONG.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I sent in a request on XX/XX/20 requesting method of verification for 3 accounts. I have attached the letter as well. I have not received any documentation or response at all. the following accounts that was : XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account They have not sent any type of response to my request. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in your file at the time of the request concerning the accounts that they are reporting on my credit report.

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 2020-10-20
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: Personal information incorrect

Complaint:
hi, I sent out a dispute about incorrect personal info on XX/XX/2020 and its been well over 60 days with no response

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 2022-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account is showing open. I made 100 % of payments. Loan paid in full. Received car title and letter stating loan was paid in full. Also stating it was paid inside of a XXXX XXXX plan. I had a XXXX XXXX plan but payments were made outside of plan. The account has been closed for 1 year but doesn't reflect on credit report all payments on 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 2021-06-08
Company: Bayside Credit
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a couple complaints that the loan company is reporting interest and increasing my balance owed in a simple interest loan showing my balanced owed is higher that the actual balance. This loan is not a compounded interest loan although it is being reported as such and is causing my score to drop. I usually pay my loan early and make 2 payments every month. I pay the amount due to the principal amount and pay extra for the interest on the loan. If I make a payment 10 days after the last payment made i then calculate the daily interest and add that to the payment amount. This company will report my payment then usually a few days later with report a new balance including the interest that would be owed using the date of last payment received to the date the send in the information this then will show an increase in my principal balance causing my credit score to drop. Instead of only reporting the principal balance the add the simple interest to it then report it as if it was a compounded interest loan. I have notified the company and the rep. Did not want to fix anything instead they started reporting more often to the credit report agency showing my balance as increasing making my debt to income ratio in the negative. I have explained this and still have not received any positive outcome instead it's more negative than before. I have a credit card with compounded interest and they report the balance owed not the balance and the interest even though they could. This is the only loan that does this to my credit report and I have bought several cars in the past and never ever uncountered this problem nor have I been retaliated against like this for filling a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed a report with FTC.gov concerning Identity Theft ( # XXXX XXXX. This is concerning two credit card debts with XXXX Bank. They turned it over to Portfolio Recovery Associates. I sent them a copy of the FTC complaint. Additionally, I filled out all the paperwork they sent me concerning the debts. These are not my debts! They continue to call and harass me. Additionally, these are still showing up on my credit reports. One credit card is for {$680.00}, the other is for {$340.00}. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07
Company: LEXISNEXIS
State: NC
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 Want LexisNexis renders proof of my signature on a document, stating I gave them permission to sell my Bankruptcy information on to XXXX XXXX and XXXX XXXX Credit Bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions 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 have noticed false reports on my credit history and I would like them removed as soon as possible. This is causing horrible outcomes with loans and my current employment!

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 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have noticed false reports on my credit history and I would like them removed as soon as possible. This is causing horrible outcomes with loans and my current employment!

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 2018-10-01
Company: EQUIFAX, INC.
State: WI
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:
I Have 5 Inquries On My Account That I Have No idea Where they Came From. 

Inquiry details XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I have an account reporting incorrect information on my credit report. They have 3 different balances showing on each report. According to the law all accounts reporting must be accurate or it has to be deleted. 
XXXX XXXX account 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 2018-08-07
Company: Lyons, Doughty & Veldhuis, PC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX./XXXX CREDIT CARD XXXX BALANCE {$1400.00} this was disputed with creditor as Fraud months ago and as a result the account was removed from all my credit reporting agencies as a fraud account and was advised to cease and desist all collections. And now Lyons, Doughty & veldhuis is attempting to collect and sending me collection notice on a previous disputed Fraud account opened thru XXXXXXXX XXXX. This is in violation of my Consumer Protection for FDCPA and Advise this Collection Agency to Cease & Desist all Collections on this Fraud Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: FL
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 my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
Snce XXXX I won the lottery while XXXX in XXXX. When I came home the bank staements indicated that USAA bank placed the money on hold because they claimed it might be terroist funds and its was XXXX XXXX and another lottery called XXXX, it was done online and they assured me as soon as the funds were cleared I would receive it. The statements and other proof were submitted to them by XXXX and I got a call from the President of XXXX XXXX of which indicated the funds were cleared and ready to transfer back to my person ; till now Im unable to get that money even after XXXX from President XXXX office called and confirmed everything. This is theft and delay. PLEASE HELP. XXXX XXXX XXXX # XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX WASHINGTON DC XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Experian Information Solutions Inc.
State: NC
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:
Hi, My name is XXXX XXXX, Experian Member ID # XXXX 

Today, XX/XX/XXXX, I was on the phone for 2 hours and approx. 20 minutes trying to correct one item on my credit report. While on hold my call was dropped. 

My issues : I need to resolve one item on my credit report Experian does not list an email and it is impossible to connect with them I have paid {$24.00} for the past few months for their service and I am unable to contact them in a timely manner Thank you, 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 2023-02-14
Company: Avant Holding Company, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a charge on my account that I have been disputing since XXXX on 2022 and the CC company has done nothing to rectify this issue. I have sent them all the information and still nothing. I have been waiting for a supervisor that they keep promising me they will call me and nobody ever does. This has affected my credit score and I have had to put my purchases on hold because of it. I have filed a complaint withing the company and still nothing. I have made numerous calls to this CC company trying to get this fixed and taken notes every time I speak with a rep. I really need to get this fraudulent charge fixed and removed from my account. The company even went as far as decreasing my limit when I made the complaint against them and then apologized a month later to reinstate it back to the original credit limit because they were wrong but they still have not fixed the original issue.

Company response to consumer: Closed with explanation