BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-25
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 discovered that some accounts are not mine. I would like to dispute them and I believe that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. I have never signed for or agreed to these charges. I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent, and permission.

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: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I disputed the acct for XXXX XXXX ( acct # XXXX ) as it should be removed totally from my credit report, as it was a written agreement-as a paid for deletion account. Equifax did the investigation and on XX/XX/XXXX, XXXX They stated that they have deleted the acct ( XXXX XXXX ) from my credit report, which would have been the correct action. which I have enclosed. Then they do another investigation on XX/XX/XXXX, XXXX for the same acct- leaving it on my credit report, which is incorrect. I would like this matter to be resolved and the account ( XXXX XXXX ) deleted altogether from my credit report. Thank you in advance for your assistance regarding this urgent matter. 

I also submitted a letter from XXXX XXXX that the account should be deleted from my credit report as the account has been resolved. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: LAKEVIEW LOAN SERVICING, LLC
State: MA
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:
Pursuant to complaint XXXX, Lakeview ( XXXX ) the company assured me on XX/XX/XXXX that my payment history has been corrected and the late payments will be removed from my credit report. As ofXX/XX/XXXX, my credit score shows that the account is no longer delinquent and is current however the reported late payments were never removed from the credit report. I am not sure if the account is current due to the extra payment I reluctantly made to make the account current or if the original problem was actually corrected. After the initial drop of 110 points in my credit score, the newest update has only increased it by 50 and still shows 2 late payments but it should show zero late payments if the company corrected it properly.

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 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX XXXX is not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this 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
Consumer complaint received 2020-07-06
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
attempted to make a payment through the app and was locked out due to ridiculous security measures. Attempted to pay online and was also locked out of account. Had to call several times to be able to make my payment and now they have reported a late payment on my account. I have had the account in good standing for over five years with never missing a payment and when contacting company, was told they could not help me. I have never received a credit increase offer from this institution and their lack of understanding in the middle of this covid crisis is abysmal. I am irate with the business and ask that they remove the only missed payment from my credit report over over 300 on time payments. I have since payed off my balance on this account and am strongly encouraged by these actions to close the account and never use this institution again.

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 2019-08-15
Company: Professional Collection Service Inc (GA)
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A new compliant in response to CFPB Compliant # XXXX to the response from Professional Collection Service Inc ( GA ) on XX/XX/XXXX. I never received any correspondence from you in XXXX via-mail which you claimed you provided me a 30 day validation notice which provides me the legal right to dispute a debt that is not mines. 

Secondly you are a debt collections or third party vendor who is trying to collect money from me illegally without a contract ever being established with your company. According to the FDPA states that without a contract I don't owe your company any money Legally.Which is a complete violation of the FCRA section 609 because you are reporting inaccurate information onto my credit report as an illegal company that I have not established a contract with and that is a defamation to my character as a consumer. 

Also in the previous response you stated that you were sending me validations of the alleged debt of XXXX. Please be advised that according to the FDPA BILL STATEMENTS or Receipts are not Legal Debt verifications and you must provide me with documentation or a contract with my signature to make it a legitmate debt that I owe. Also by HIPPA Standards you are not suppose to have any access to my medical records

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX XXXX is not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15
Company: Butler and Associates, PA
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I was garnished for {$940.00} at my job for XXXX XXXX XXXX   for a returned check. I know as a matter of fact I went and paid cash to this doctor for this check because I had to pick up my sons contact lenses back in XX/XX/XXXX. I also have been to see this doctor as a patient since this bounced check. However Butler and associates has collected this debt on behalf of Doctor XXXX at XXXX XXXX XXXX XXXX  in XX/XX/XXXXfor {$940.00} and the orginal amount was {$140.00}. When I contacted XXXX XXXX XXXX and told them I was being garnished they told me they did NOT hire an attorney and that long ago it was sent to XXXX. So if my doctor isn't the one who actually sued me and stated this and told me to contact XXXX. My sons contacts back then were ordered and had to be fitted so I know when they told me about that check I paid cash to pick them up, my son wore temporary contacts until I was able to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
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:
I have been a victim of identity theft, these accounts do not belong to me.

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 2019-08-15
Company: Westlake Services, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Westlake Financial is reporting inaccurate information on my credit report. The vehicle has been paid off but they are showing a balance of {$5500.00}. Westlake repossessed my vehicle in XX/XX/2019. I spoke with them and made arrangements to recover the vehicle and made an agreement to settle the account for less than owed. As part of the vehicle being repossessed the tow company caused over $ 7k in damage. My deductible was {$2500.00}. I requested additional time to settle the payoff agreement with Westlake. They advised that they would work with me but I needed to make the second payment. I made the second payment towards the payoff. They repossessed the vehicle a second time and voided out the first agreement. They would not provide me with a copy of our settlement agreement. They then tripled the amount that was due on the settlement agreement. I had no choice but to accept the second agreement. The second settlement agreement has been paid off. Westlake is reporting the loan as having a balance of {$5500.00}. They are also reporting failed to pay every month after they charged the account off. This behavior is unacceptable and has been consistent with the way that they operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: Bread Financial Holdings, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
{$1200.00} was to have been refunded to my Paypal account by the XXXX XXXX XXXX when seller, XXXX XXXX XXXX, XXXXXXXXXXXX cancelled and supposedly refunded on XXXX XXXX, XXXX. Seller claimed the guitar I bought was defective. Original purchase was on XXXX. Seller has already relisted the guitar on XXXX without having completed the refund. 
I attempted to contact Paypal on two dates several times to resolve this fraud ... XXXX/XXXX/XXXX ... calls would not go through or would get disconnected. XXXX Paypal was closed! 
Transaction number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello I am having an issue with a series of multiple medical collections being reported against my consumer credit files by a company that refuses to process my disputes. They have yet to verify anything, even though I have asked them for the better part of 1 year. 

These accounts are reflected against XXXX, XXXX and XXXX and are stamped as " meets FCRA requirements '' but none do as none have been documented to me. I contend that they are not mine and the company reporting them has failed to investigate the matter as directed by myself in compliance with my rights under FDCPA/FCRA. 

I have been given the run around for a long time and am asking for mediation by this federal agency in addressing this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Experian Information Solutions 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:
XXXX XXXX XXXX agreed to remove the account completely from my credit file if the agreed amount was paid. I did pay the settlement and yet the three bureaus did not investigate the account otherwise they would have removed it from my credit file and not just report it with a 0 balance

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 2019-08-15
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2018 I had all 3 credit bearus investigate LVNV Funding it was determined that the debt was not mines and deleted from my credit report on XX/XX/2018 I was notified of the same collection being placed back on my credit by LVNV Funding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
I enrolled in a promotional APR for my card, which says interests for new purchase from XX/XX/XXXXwould be calculated at a level 1.99 %. 

Previously before XX/XX/XXXX, the balance is around 3000 dollars. At XX/XX/XXXX, I made a purchase at XXXX for XXXX dollars. But later due to a change of plan, I cancelled that ticket and they refund me XXXX dollars. For that billing circle, from XX/XX/XXXX to XX/XX/XXXX, the remaining balance on my credit card is XXXX, which means it is paid in full. So the mechanism here is that for a total balance of XXXX, the credit received from XXXX, which is XXXX dollars, is used to pay the balance before XX/XX/XXXXand a part of the purchase from XXXX. 

Then from XX/XX/XXXX to XX/XX/XXXX, I made no new purchase and paid a minimum payment for the card. They charge me about 50 dollars for the balance before XX/XX/XXXX. 

On my XX/XX/XXXXstatement, the balance subject to APR charges is XXXX. 

It is ridiculous. How come? Last month the balance is paid in full. For a month without any new purchase, they told me the system says you need to pay interest for balance that is paid full in last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: SYNCHRONY FINANCIAL
State: TX
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:
I am a XXXX student, have two accounts with Synchrony bank and both accounts have similar issues of illegal service fee and overcharging. 

I paid off my Chevron card account having {$500.00} limit, had a {$0.00} balance. In late XX/XX/2020, I received an email asking me to pay {$62.00}. I contacted the bank on XX/XX/2020 and asked where this amount came from, the representative said it was a fee from card security. I said that I never asked for card security added to my account and how could you charge a huge amount on a {$0.00} balance? The rep was not able to satisfy, so, I requested him to close the account and said I will report to Texas Attorney General 's office. 
I thought my account was closed at my request but I was wrong. 
A few days ago, I received a notice from my credit card company that my credit card limit was reduced by almost 75 % and my credit score dropped by 92 point on XX/XX/2020. 
Synchrony intentionally punished me for my request to close the account by messing up my credit score and I am not able to finance a vehicle due to a 92 points drop in my credit score. 
It's a serious matter which needs to be investigated, my credit report needs to be fixed immediately or I will file a case against Synchrony bank.

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 2019-08-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original sign

ed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my
ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 [ CreditorName : XXXX XXXX Account # : XXXX ] reports 3 different dates under date of last activity even after their verification, TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.How is this account accurate when date of last activity shows 3 different dates? which is years apart from each other? I notified that I have never made payments for all the months of the year XXXX and I have have requested for the documentation that prove that my last payment was made on XX/XX/XXXX. But you have never furnished any bank records and transaction documentation due to the fact that you are required to have this documentation to determine accuracy of your report. You are in violation of FCRA by continuing to report this inaccurate and erroneous account on my credit report. Remove this account for failure to perform proper investigation.

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 2019-08-15
Company: Experian Information Solutions 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 2019-08-15
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:
I have not received any confirmation on how you have verified the alleged unauthorized inquiries.

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