BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
Company: Unlimited Progress Corp
State: IL
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 ( via USPS Return Receipt # XXXX XXXX XXXX XXXX XXXX XXXX Creditors ' Discount & Audit Co received a request for validation from me for two alleged medical debts. CDA not only failed to validate the inaccurate debts but also accessed my medical information without a HIPAA Release Form. Furthermore, CDA failed to document a current business relationship between them and the alleged original creditor. I've disputed these inaccurate tradelines with the major bureaus several times, of which CDA consistently verified these erroneous debts. I've filed two separate disputes with the credit bureaus ( # XXXX, XXXX ) to no avail. In the midst of these disputes with the Credit Reporting Agencies , Creditors ' Discount & Audit Co went on to change both account numbers without notification or explanation. 

I've never done business with Creditors ' Discount & Audit Co. There are no documents bearing my signature of any services or products rendered to me from CDA. 

CDA is in gross violation of the Fair Debt Collection Practices Act and Health Insurance Portability and Accountability Act, and according to these laws, they must remove these invalid accounts from my credit reports. 

In an honest attempt to solve this issue amicably, I've allowed CDA to ruin my credit far too long. I trust they'll finally govern themselves accordingly. 

Thank you, XXXX XXXX CC : Illinois Attorney General, XXXX XXXX XXXX, US Department of Health and Human Services

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 2023-02-15
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-15
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Hello, for about a year now I have been trying to pull my Transunion credit report online on XXXX  and I have been unsuccessful. 

My Transunion credit report is not generating on the website. I also can't use the Transunion website because it says that I need to pull my credit report first in order to file a dispute. 

I have addressed this issue tons of times through email, and telephone but I am still not able to get it. If I go to apply for credit, the creditor can't obtain my Transunion 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 explanation
Consumer complaint received 2023-10-11
Company: KMT Group, LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
KMT GROUP LLC and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  want to collect a debt that is not mine they put a r {$2000.00} estriction on my bank account and want to collect 15 % of my SSD money a month i lost my ID and someone is using my identity as their own also the department of treasury wants to collect {$110.00} on top of that or that is the monthly payment for the debt i dont know its not mine any of it and all my info was exposed on the internet I don't know for what there is no way to contact them by phone or internet i tried and someone opened a spectrum account in my name for XXXX obviously someone is stealing my identity and I don't feel safe please contact me for help these people want to steal my XXXX and content of my XXXX XXXX XXXX  account

Company response to consumer: Untimely response
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. 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. I'm looking forward that you will immediately correct this matter. Thank you. 
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 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 2019-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX reported me for 3 late payments. XXXX, XXXX, XXXX 2019.They charged me late fees and interest which continued to elevate my bill. I found out my bills were late through XXXX XXXX and immediately called XXXX to get this straightened out and get my account up to date. 
I have made at least 5 attempts to have them remove the derogatory remarks on my account. I paid off the account after speaking with customer service, they assured me the fee would be waived and update my credit report. 
Now they are saying I need to prove I didnt receive my statements, even after they have record they were returned to them! 
Please help get my credit report updated!

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 2023-09-11
Company: EdFinancial Services
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:
My current student loan servicer is with XXXX and EdFinancial was my previous servicer. My student loan was transferred to XXXX from EdFinancial. However, EdFinanacial is still reporting my balance that I have an open account with XXXX. I have XXXX also reporting my balance to XXXX too. My student debt balance is now reported as double on my credit report on XXXX, one from XXXX and one from EdFinancial. Ed Financial refuse to close my balance with them and indicate it was transferred to XXXX. The double reporting of student debt has a negative effect on my credit score. 

I've attached a copy of XXXX report that EdFinancial justified that my student loan debt is still with them.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I've been waiting for my EDD Bank of America card for 8 days now it got sent off XX/XX/XXXX it takes 7 to 10 business days through priority mail UPS I've called the bank to have money transfer to my own bank account XXXX XXXX verify myself to the bank through EDD reps etc etc I keep going to run around and yet still have no bank card and they won't provide me a tracking number to find out where my bank card is they won't give me any kind of information Bank of America due to where my card is they keep asking me to verify myself just to send myself XXXX XXXX and they will not let me transfer any kind of my money to my own checking or saving account and it's been going on for about a week now and I still have not received my bank card

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 2016-08-15
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i am a XXXX person with XXXX XXXX XXXX XXXX i have medicaid an medicare and they paid all my medical expenses so i do n't know what this debt is

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have mailed Transunion a validation of debt letter and have not received a proper response of pursuant to 15 USC 1692g. I also sent Transunion a letter stating pursuant to 15 USC 1681b that I have given no such consent for XXXX to host the alledged debt 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 explanation
Consumer complaint received 2019-04-16
Company: Hillcrest Davidson & Associates
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On and before XX/XX/2019 repeated calls began form XXXX XXXX XXXX , XXXX ( XXXX ) XXXX. Threatening voicemails and even choice words conversation spewing from the attended operating the phones. As I only stated that I did not owe any debt nor did I know of the company she claims I was in debt too. She started to speak about my race and said " Are you mad that you didn't get enough food stamps, go back to XXXX! '' This company prides it self on harassing and trying to intimate American Citizens. 
I have provided a list of complaints I have against this company : 1.Collectors are threatening me with violence, a lawsuit, or arrest 2.I are receiving multiple calls per week from third party collection agencies 3.I 'm being threatened with negative credit reporting 4.A debt collector attempts to intimidate me 5.Criminal accusations are being made towards me 6.Use of obscene language during an attempt to collect 7.Automated robocalls are being made to my phone in an attempt to collect I have saved all voicemails from this company. Before ending I do not owe any debt nor have I ever heard of the XXXX XXXX  XXXX. I pride myself on always staying away from payday loans or and money borrowing service. So I no that all accusation that have been so aggressively made are false.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Lowes credit card. Someone used my number to purchase items and gift cards at a store on the other side of the USA. In the state of Carolina. 

I live in XXXX XXXX XXXXXXXX XXXX I work in southern XXXX and XXXX 

On XX/XX/XXXX. The Lowes credit card department Verified my identity and then told me that they are canceling the account number and sending me a new card. 
And that it was being submitted to their fraud department and that I am NOT responsible for the over {$1500.00} charges. 

I am receiving the emails and texts for Payments Due. 

I have made calls to find out the status and I am getting the run around regarding this issue/investigation. 

I am very protective of my CREDIT. 

I was told today to PAY the amounts for now. I asked why I have to pay {$1500.00} to just sit while they investigate?!. 

I was transferred and transferred. On hold for 20 minutes. I thought that I must have been forgotten about. 

I hung up and I called back. Asked for the fraud department and as of this written submission I have been on hold for 65 minutes!!!! OVER AN HOUR. On hold. No one returning to the phone line. 

I will hang up and PAY the MINIMUM DUE AMOUNT today to protect/preserve my credit. 

I NEED HELP. 

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 monetary relief
Consumer complaint received 2023-06-16
Company: BANKMOBILE TECHNOLOGIES, INC
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX I have attempted several times over the XXXX months to communicate with XXXX  in reference to this matter. The individuals that I have spoken with repeatedly told me that after their investigation, it was me that made those transactions. And they determined that my claim of fraudulent scamming of my debit card did not happen. 

XXXX decided that I had made those purchases and that they will not return my money to my account. I did not make the purchases or charges that I have been accused of. I have never heard of those companies. In my XXXX  account, you will find no mention of those companies. XXXX accused me of being the thief. I am not a thief, if I order an item ( XXXX ) I pay for those items. 

I have never heard of those companies and have made any purchases with them. I am mailing this information to your bureau with the hope that you can get to the bottom of the problem because XXXX, for whatever reason, is siding with these criminals. I always try to be careful where I shop, but someone has gotten hold of my XXXX information. I do not know criminal work because I am not a criminal. I do not steal. Please look at my problem to see if you can return to me my {$230.00}. 


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 2019-11-02
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other 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 whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Biehl & Biehl, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back in XX/XX/2022, my company used XXXX XXXX per client request. After the shipment left our warehouse, we realized that the " BILL TO '' party was incorrect. The shipment should have been billed third party. XXXX XXXX  was contacted shortly after the freight left our warehouse to update the XXXX. XXXX XXXX confirmed we can update the XXXX  to reflect the correct " BILL TO '' party. XXXX XXXX  was sent the updated XXXX, they confirmed it was updated, and they provided us a case number confirming the communication : XXXX. Almost year later, we received a letter from a collection agency, BIEHL AND BIEHL INC, demanding the payment for this shipment. Turns out, XXXX XXXX  did not bill according to the updated XXXX despite confirming they would, and they sold the amount due for the freight to a collection agency : BIEHL AND BIEHL INC. The collection agency refused to dispute the debt owed despite the debt not being ours. The representative from BIEHL AND BIEHL INC falsely claimed that freight can not be re-billed. We explained to the representative that we have a case number and confirmation for XXXX XXXX of rebill. The representative said that was not a valid reason to dispute, and continued to falsely claim the debt belong to us despite XXXX XXXX confirming the shipment would be billed to the correct party. After disputing the debt, the representative told us that regardless we are responsible. She told us it doesn't matter who the freight should have been invoiced to because XXXX XXXX had already sold the debt to them. We are not responsible for this freight cost. Both BIEHL AND BIEHL INC and XXXX XXXX  has been written regarding this incident, and there has not been a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: National Credit Systems,Inc.
State: NV
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:
Certified letters were sent to National Credit System at XXXX XXXX XXXX, XXXX Georgia, XXXX, tel. XXXX on XX/XX/XXXX and XX/XX/XXXX requesting that they remove an erroneous entry on my credit report in the amount of {$6800.00} and to date I have received no response. Certified letters were sent to XXXX XXXX and XXXX on XX/XX/XXXX requesting assistance. To date, I have received no response. On XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX which directed me to the FTC website then I was redirected once again to the Consumer Finance Protection Bureau for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Westlake Services, LLC
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Good Afternoon I am here to submit complaint against Westlake Financial the lender of my auto loan. Westlake Financial has my account in a charge-off status as of XXXX XXXX XXXX Which I have continued making payments since XX/XX/XXXX. In XX/XX/XXXX I have continually requested a written Payoff quote. Which Westlake Financial failed to provide until XX/XX/XXXX through email. The reason for the written payoff quote was I filed a Class Action Against The XXXX XXXX for the BUYBACK program due to having a continue recall part that has been replaced multiple times. Which I was AWARDED in XXXX of this year through XXXX XXXX XXXX XXXX. XXXX XXXX has been patience and supportive trying to get the payoff taken care of in timely manner. Which once again Westlake Financial prolonged until XX/XX/XXXX. Now where things stand, Westlake Financial has weaponized me with the REPO with the condition I would pay {$100.00} to put a 72 hour hold thereafter I would have continue paying an extra {$100.00} for 72 hour hold until they receive the Payoff amount from XXXX or Myself. Looking back at the Payment History I started questioning why I was charge interest showing payments didn't go to Principal of my loan. First charge was in XX/XX/XXXX when my contract stated first payment not until XX/XX/XXXX. When asked Westlake Financial responded " You sign Retail Installment Sale Contract Simple Finance Charge ''. Which was NOT explained at the time of purchase. This has been the biggest nightmare of me life. It has affected my credit huge. I thank you for taking the time to hear my concerns with Westlake Financial NIGHTMARE.

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