BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted all three major Credit Reporting Bureaus and have received the same answers from all of them about credit inquiries. Over the past 12 months I have had anywhere from 60 to 80 credit inquires on my credit reports. Fro some reason this did not set off any potential fraud alarms from any of them. 

I started receiving multiple credit denied letters by the mailbox full and I pulled my credit. I contacted the agencies and I was told they were all authorized and for ME to contact each individual creditor that pulled my credit. WHY? Why should I have to spend hundreds of dollars for something I did not authorize. 

I am a victim of ID theft and two fo the three credit reports are now locked. Yet, I am still getting hard inquiries. 

I am also a VERIFIED victim of the XXXX breach. 

I have TWO valid inquires. XXXX of XXXX and XXXX investors. THATS IT OVER THE PAST YEAR

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Credit Corp Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Im XX/XX/XXXX I was served papers declaring that I was being sued by Credit Corp Solutions Incorporated for the amount of {$1700.00}. In Texas, where I live and am being sued in, the statute of limitations against debt collection states that 4 years to the date of last payment made to the debt is the timeframe in which debt can be sued for. The last payment made to this debt was XX/XX/XXXX. The date this debt citation claim was filed was XX/XX/XXXX. This makes the time of last payment to the relevant debt until the debt citation claim being made a total of 4 years and approximately 2 months. This is time-barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Paypal Holdings, Inc
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX XXXX from XXXX Arkansas while on vacation in XXXX New Mexico and shopping at a mall on XX/XX/XXXX I was spending money on my kids. I have XXXX children XXXX girls and XXXX boys. After XXXX spending {$2700.00} my PayPal XXXX XXXX Account was imposed by " account limits '' requiring me to upload documents to verify my identity. I did that before I left the parking lot at the mall. For days I messaged customer service to advise why the limits had not been lifted. Never one single response until Saturday afternoon I got a notification that PayPal was closing my account with a CASH BALANCE OF {$8000.00} AND THEY WERE HOLDING MY MONEY FOR 180 DAYS ( 6 MONTHS ) AND THEN I WOULD GET AN EMAIL EXPLAINING HOW I COULD TRANSFER MY MONEY! That's pure theft! 
My PayPal account : Email is XXXX Phone : XXXX Address : XXXX XXXX XXXX, XXXX Arkansas. XXXX PayPal XXXX XXXX Account MasterCard Debit XXXX XXXX XXXX XXXX Valid until XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: PlusFour, Inc
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:
In XX/XX/XXXX, Plusfour , Inc. reported a collection account for XXXX XXXX in the amount of {$540.00} on my credit bureau file. In XX/XX/XXXX, I sent a letter to Plusfour disputing the debt and requesting validation. They did not respond. In XX/XX/XXXX, I sent a certified letter to Plusfour disputing the debt again and requesting specific information be provided to me ( see attached ). Again, they did not respond. Pursuant to the FDCPA, they were required to respond to my request within 30 days. To date, Plusfour has never contacted me or sent any information regarding the validation of this debt. In XX/XX/XXXX, I became a resident of Florida. Plusfour is not a licensed collection agency in the state of Florida. Additionally, they have violated multiple FDCPA laws. Plusfour has a long history of violating consumers ' rights by not conducting business practices in compliance with federal and state laws regulating consumer collection agencies. Plusfour has been the named defendant in a multitude of lawsuits filed in the United States District Court, XXXX Nevada. The lawsuits were filed by consumers due to fraudulent business practices and violations of federal and state law. Plusfour has 138 complaints filed against them with your organization., Plusfour Inc. currently has an F rating with the XXXX XXXX XXXX with multiple unanswered complaints. Additionally, I am a permanent residence of Florida and Plusfour is not a collection agency in Florida as required by law. I am requesting that this company be investigated and that the account be deleted from my credit Bureau file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report and saw 1 hard inquiry by XXXX XXXX that was not mine. please have this removed immediately

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 2022-12-06
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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 used XXXX XXXX to help me move from XXXX  to XXXX. They said it would be {$1500.00} to move my stuff, and will not be anymore. I have a receipt that shows that - That I uploaded and sent to my bank. 
The moving company then switch companies to another moving company, and then I was told once they arrived in GA that I would have to pay another {$1300.00} Cash or they would not release my stuff. It was the most egregious bait and switch extortion I've ever been a part of. 
I explained this in detail and Bank of America said they can't get the cash back obviously, but if there was any transactions via credit card they would get that back. 
I told in detail my situation and a bank manager said as long as I fill out everything and upload the paperwork I have I will def get this claim to approve. I did everything and called the bank a week or two later and they said it was approved. 

Today I got an email saying my claim was denied and that I never uploaded any paperwork. Totally false. I will be getting the {$510.00} back if I have to open a lawsuit so be it..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: HYUNDAI CAPITAL AMERICA
State: RI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
On or about XXXX, XXXX, I returned a XXXX KIA XXXX at lease end in pristine condition inside and out with XXXX miles less than the contracted miles. KIA appeared to be annoyed that I did not give them repeat, successive business. From a third party collection agency, I found out that KIA had a {$2000.00} claim which was not satisfied, never notifying me details. 
Verbal telecon info from the collection agency indicated claim items were padded and some outright lies and embellishments. This was reported to XXXX, whose response were in the form of form letters and questionaires. They did nothing, but knock down my credit score from XXXX to XXXX I contacted both KIA and XXXX. Both replied apathetically..

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 2019-11-18
Company: EQUIFAX, INC.
State: UT
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 XXXX is reporting a debt on my credit file that I do not owe. I refinanced this account back in 2016 to XXXX XXXX. They are reporting a past due balance along with lates. I was never late on this account. XXXX  XXXX  is in violation of FCRA. and needs to report correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: TX
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:
I am a victim of identity theft and I have tried to correct to correct the inaccurate, incorrect and misused information on my profile multiple times, and this company refuses to correct and tells me its verified. I have shown proof information is all inaccurate and still they claim its verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: EQUIFAX, INC.
State: TX
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:
As described in the attached text document, the basis for my complaint is the conflict of interest inherent in Equifax permitting false and fraudulent information to be included in my personal credit file, in promotion of their credit repair scam business and extort payment from me of {$19.00} per month for all eternity, to remove the very same false and fraudulent information Equifax has permitted to be placed there to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: FREEDOM FINANCIAL NETWORK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I signed up for debt consolidation with Freedom Debt Relief in 2017. After 3 years of paying increments of {$130.00} plus their fees, I decided to pay the rest of what I owed as a lump sum since it is advertised on their website and from speaking to different agents on their chat system and phone, they said it would be the quickest way to " graduate '' from this program. Since XX/XX/XXXX, when the deposit went through, I have been contacting them and every time I have I have been told different things. First I was told it would take up to 10 days, then I was told 2 weeks, then I was told anywhere up to 30 days. I finally demanded something be done because I've been told the same thing over and over, that the creditors need to review my account and then negotiate the lump sum amount, so an agent said they would " look deeper '' into my account. He then told me that because I don't have an extra {$45.00} in my dedicated account that the system wasn't automatically starting the graduation process. I have asked them many times to see if they can manually do something and was told it is all automatic and all I can do is to check from time to time. He told me he was personally going to talk to his leadership to start the process and it still has not started. I chatted with someone today and am being told the same thing again. During this period they continue to charge me their service fee and continue to withdraw money out of my checking account. I am never able to speak to someone higher up or the creditors myself. I would have been able to pay off my credit card debt on my own with the funds I have but was told I could lose the resolution amount if I do it on my own so now my funds are sitting in an account while my credit score and report continues to negatively affect my life. Thank you for reading my long statement, I hope you are able to help me and other who are in similar circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
15 U.S. Code 1681i - Procedure in case of disputed accuracy 5 ) Treatment of inaccurate or unverifiable information 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 15 u.s code 1681 a ) Accuracy and fairness of credit reporting I have been disputing inaccurate information on my credit report with Transunion via online as it gives me an option for certain criteria and other information you have to call in & dispute with a representative. I called TransUnion and spoke to a lady whom informed me on XX/XX/XXXX XXXX XXXX XXXX central time that I need to file a complaint with CFPB to have any inaccurate information such as inquiries removed!

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 2018-10-31
Company: CORELOGIC INC
State: AR
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:
XXXX  XXXX, XXXX, XXXX  ETC.. ARE SHARING NEGATIVE INFO AND PULLING EXCESSIVE 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
Consumer complaint received 2021-11-04
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
3rd party received my medical records and personal information, such as social DOB and alleged debt from a medical facility.This 3rd party has now damaged my consumer report with such information before validating such debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: BANK OF THE WEST
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX I was approved for " Credit Card Direct Mail Campaign '' rewards card through Bank of the West. The rewards program states that I must charge {$1500.00} in the first three months, beginning at approval date, and I then i would qualify for the {$150.00} bonus. Towards the end of XXXX I emailed Bank of the West asking for the status of the {$150.00} dollar bonus. On XX/XX/XXXX they answered and stated that I had only charged {$1300.00}, so I did not qualify for the bonus. On XXXX, XX/XX/XXXX and XX/XX/XXXX I again requested their decision after I had explained the below concerns. there answer is that they are still working on the research. 
My concerns are that I did not receive the bank card until at least 3 full weeks after approval. I believe the normal time period for receipt of the bank card after approval is 3- 10 days. My explanation is that I could not charge to the card if I did not have it. On XX/XX/XXXX the bank easily had posted over the {$1500.00} requirement. I thought that perhaps the reason for late receipt of the bank card was due to COVID 19.

It appears that they are dragging their feet hoping that my request will go away. If this has happened to me, it may be occurring with others.

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 2018-08-01
Company: Ameritech Financial
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have an account with Ameritech financial, from XX/XX/2016, which I am informed, doesn't apply payments to student loan. I received a letter from the FTC, on how to correct this, with the possibility of a refund of payments to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion has purchased false information from XXXX XXXX XXXX and using this information against me on my credit report without factual evidence of this alleged bankruptcy. I have asked Transunion for proof of this alleged bankruptcy in the form of a legal notarized agreement or contract with my personal signature or consent and Transunion is unable to provide any factual documentation. Using consumer information is a violation of my FCRA privacy laws and I have not provided my social security number or drivers license or any personal data to the third party entity XXXX which was recently sued for millions of dollars for violating consumers rights. I am a recipient of monetary compensation awarded to me from the FTC of which XXXX paid out millions of dollars to victims like myself for misusing and falsely claiming debt and fraudulent financial statements that I have not done. Transunion is aware of XXXX lawsuit and is still violating my rights.

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 2020-07-14
Company: EQUIFAX, INC.
State: VA
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 credit inquires on my Equifax credit file from 7 different banks, which include : XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and XXXX bank. I don't recognize any of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Resurgent Capital Services L.P.
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:
Some time this month i received a alert form my experian credit report. I log in to my account and saw a alleged XXXX XXXX XXXX off Debt. I disputed this debt. I have no knowledge of a XXXX XXXX XXXX XXXX. XXXX investigated this alleged debt and deleted off my experian report. Now LVNV Funding LLC XXXX to the same debt to XXXX for a different dollar amount claiming i owe them money. I have no knowledge of this company. This company did not contact me. The alleged debt reported to my XXXX the next day XXXX deleted it from my report This Company has caused me harm dropping my credit score. My new employment require me to have a good score in the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Security Credit Services, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Today I got a collection placed on my credit in the amount of {$1600.00} when I never got any written notification of the debt to pay or to dispute a company by the name of Security Credit Services this company has never contacted me never sent me anything skipped the process of verification and payment to the to the original creditor and immediately placed the account on my credit without a call and not even a letter of verification to dispute consumer was never contacted by original creditor for account to be resolved accurately. Consumer contacted original creditor due to never receiving merchandise in a timely manner and was being billed for payment when product was not received company advised they would not bill consumer and issue credit due to being billed for a product that was in delay in shipping as of today 's date consumer was told to keep paying for a product never received in a timely manner waiting on an update to the account. Company never called back after consumer advised of this issue and was waiting on a resolution that never occurred many times calling no one would know exactly what happened nor would they give credit for the delayed no product but still wanted a payment as of today 's date original creditor has never resolved the credit disputed by the customer and wanted money when they was to issue a credit or update a new contract due to delayed product company wants clients to pay for a product not received or delayed when they know the customer does not have the product due to delay I immediately advised that how can you pay for something when the customer does not receive it in a timely manner per the agreement

Company response to consumer: Closed with explanation