BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-24
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:
Recently, I checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : 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 explanation
Consumer complaint received 2020-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, one of the Major Credit Bureaus XXXX   exposed the personal data of over 147 million individuals. The personal information exposed included consumers names, date of birth, socials, address, drivers licenses numbers, along with other personal information. Unfortunately, I was one of the 147 million individuals. As a result of this data breach I have become a victim of Identity Theft, my personal information has been used to open several accounts against my knowledge. This has affected me mentally as well as financially as this has caused my overall credit worthiness and credit score to suffer greatly. 

I am currently in an ongoing court case ; I have filed a suit against XXXX as they did not take the necessary steps to protect my personal information. You may view legal information about this data breach on the official website : XXXX XXXX   XXXX My lawyer has advised me to contact the Federal Trade Commission to file a legal complaint against your company, as your company is currently reporting information to my credit report that is false and a direct result of identity theft due to the XXXX  data breach.

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 2018-08-11
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I contacted my bank after I was unable to resolve the billing error with the XXXX XXXX. XXXX XXXX stole XXXX from my card ending in XXXX. I canceled my renewal membership but still to the payment in XX/XX/18. Which was whole day before my renewal date of XX/XX/18 It was also hard to reach someone at XXXX XXXX so I contacted my bank whom I thought would protect my money. I sent an email with no response from the XXXX XXXX. On the recording message about billing issue it says once a payment is process it will not be refunded. So basically I cancel my membership in time but since they took the payment early I can't get a refund. When I disputed the charge with my bank on XX/XX/2018. They said XXXX credit will be issued on the dispute.

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 2021-03-27
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I placed an order with a catalogue sent to me from XXXX XXXX, XXXX XXXX took my order put it on a credit card and sent it to me with out my permission. I took the credit card cut it up, paid my {$87.00} balance sent the card back and asked king size to close the account. XXXX XXXX did the opposite they started to charge me late fees and other fees I tried to contact XXXX  XXXX  to advise customer service of my order incorrectly filled. I ordered two pares of socks for {$22.00}, I received one pare. My shipping was free however I was charged {$12.00}. 

This company send credit cards to citizens in an attempt to collect fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07
Company: Duvera Billing Services, LLC
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Went ti this company to apply for a load to get my truck fixed was approved for {$2700.00} at a interest rate of 179 % this is criminal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 explanation
Consumer complaint received 2018-08-11
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Unexpected or other fees

Complaint:
In late XX/XX/XXXX, i went to XXXX to cash a money order in the amount of {$200.00} USD  from a friend in XXXX that was issued by XXXX XXXX. XXXX waits one month later and lies to me by telling me that XXXX XXXX money orders were no good in the USA and are now trying to extort {$230.00} from me. I contacted their corporate office and they were rude and vulgar towards me, despite me giving them the number to XXXX XXXX and for XXXX to contact them directly. XXXX persistently calls me up every day despite me telling them to quit calling me and to work with XXXX XXXX. I blocked their number on my phone and they use another number to call me and continue their harassment. I'm now at the point of having my number changed. They already charged me {$20.00} to cash a {$200.00} money order, whereas I received {$180.00}. Now, they want me to pay them {$230.00}. There's no excuse for them to wait one month and now contact me when they could talk directly to XXXX XXXX as they had 45 days to cash it before it becomes invalid. When they cashed the money order, they called XXXX XXXX, verified the money order and even received an authorization number, proving that it's good and valid. Now, a month later, they're harassing me with phone calls and trying to extort money out of me that I don't have as I have no income due to fighting with XXXX XXXX and trying to get my temporary total XXXX payments reinstated. My friend sent that money order to help me with paying rent and utilities. Please help put an end to this harassment, even if that means filing a lawsuit against XXXX? Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The following companies have violated my rights by performing a hard inquiry on my credit report without my permission : 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 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a young lady and did not know anything about credit and every time I apply for a place to live I am denied. I'm currently XXXX  and have been for years because of identity theft. It says I have rental properties from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX For a car loan. I absolutely didn't authorize or knew anything about any of this until early XX/XX/2021. My name is even spelled wrong and I have never lived at those properties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX I saw my credit report had a debt for a person with the name of XXXX XXXX on it I called the collections agency XXXX and told them so they can remove it they have not done so

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ARS Account Resolution is a debt collector attempting to collect upon a fraudulent account. In XX/XX/XXXX they reported this debt to the credit bureaus. No notice was given of purchase. No notice was given of my consumer rights in violation of the FDCPA and FCRA. 
XX/XX/XXXX I sent them a 93A Demand Notice via certified mail requesting validation of their claim and immediate removal of the account from my credit report. Under " Massachusetts General Laws 209 CMR 18.17 : Unfair Practices : A debt collector may not use unconscionable means to collect or attempt to collect any debt ... ( 11 ) For a debt collector to report to a consumer agency on its transactions or experiences with a debtor in the debt collector 's name. '' They failed to reply whatsoever. I disputed this account with the bureaus. ARS claimed validation yet none was received in violation of the FCRA. 
In XX/XX/XXXX I sent them a second 93A Demand notice via certified mail. They failed to reply again. 
In XX/XX/XXXX I sent a third and final 93A Demand notice via certified mail. Again no reply. 
I am asking for immediate removal of this account from my credit reports and investigation into this company for 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 explanation
Consumer complaint received 2023-08-14
Company: Mercedes Benz Financial Services
State: MO
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 Mercedes-Benz Auto Finance will not stay off my report. It has been deleted twice & it still report erroneous information on my report. Please mailing me or having any correspondence. It's becoming a harassment. 

This account was opened XX/XX/23 but, its accurately reporting 120 days past due. We're currently in month of XXXX. From XXXX to XXXX is over 200 days. This account has been removed for inaccuracy & blocked for fraud numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Capital One informed me in XX/XX/2020 that there was suspicious activity on my account and they would be closing my business with them after investigation. I was told that some deposits that were made not in my name would be returned to the issuing agency and my remaining funds ( which were all deposited in my name ) would be sent to me ( about 28k ) in 10 business days. Since then there has been no response.

Over the last few months Capital one has not responded to my inquires or sent me any funds or information. I am able to see my
accounts and can see they have withdrawn funds back in XXXX and continue to have hold on remaining funds. Im aware that investigations can take up to 90 days however that deadline has passed and I would like my funds which are not under review remitted to me and my account closed as promised.

The deposits in question were from my girlfriend and mother using separate accounts we had made together to receive their unemployment benefits. Even after verification with unemployment office and addition of them as beneficiaries on account Capital One chose to refund the deposits ( I assume ) to unempyment. However the remaining funds included funding I had received in my name. It has been very difficult to deal with COVID and loss of work while also not having access to this large amount of my money. 

As of XX/XX/2020, Capital One continues to ignore my emails and phone calls. I am forwarded to the security department voicemail where I have repeatedly left my information and requested call back. I am unable to close out my accounts or move my remaining funds.

Please help, at this point Im at a loss for what to do besides a lawsuit and due to COVID and my financial hardships this is just not feasible.

At the same time my credit card with Capital One has now listed 4 months late payments as they refuse to use my remaining funds to pay the balance yet continue to hound me with calls and emails and letters about my unpaid balance of {$350.00}. Yet they continue to not  answer about my $ XXXX frozen. Debt collectors refuse to acknowledge this and continue to report negative on my credit reports even after explanation of this and COVID hardships.

Im very close to becoming homeless at this point and am concerned once my cell phone is turned off I will be unable to ever get my funds.

I understand banks need to investigate and have rules regarding suspicious activity which can be broadly defined as anything from deposits to withdrawals into bitcoins. Im not disputing this action, I only want to close my account and collect my rightfully deposited funds now that is has been well over the limit for account investigations and completion. 

Thank you. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, 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 reporter act conversion account XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the fair credit reporter act conversion account XXXX XXXX XXXX Account # XXXX has violated my rights, In accordance with the fair credit reporter act conversion account XXXX Account # XXXX has violated my rights, In accordance with the fair credit reporter act XXXX account XXXX XXXX has violated my rights. 

15 usc 1681 section 602 8 states I have the right to privacy.

15 usc 1681 section 604 a section 2 also state a consumer reporting agency can not furnish your account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: Manhattan Beach Venture, LLC
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: Account status incorrect

Complaint:
when I was XXXX years old I moved to Orlando to attend college I wasnt making enough money to support myself so i was living off of my student loans and was unable to pay them back

Company response to consumer: Untimely response
Consumer complaint received 2020-10-24
Company: Resurgent Capital Services L.P.
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: Personal information incorrect

Complaint:
On XX/XX/2018, LVNV Funding LLC added a derogatory mark on my credit report per credit karma. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, LVNV Funding LLC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
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: Was not notified of investigation status or results

Complaint:
I have been sending dispute letters for 3 months now and requesting verifiable proof and more than 40 days have passed and nothing from this company. I have been sending dispute letters for 3 months now and requesting verifiable proof regarding 2 accounts under XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX. XXXX/XXXX/TransUnion are reporting inaccurate information and they must delete the items in questions. Failure to investigate and remove the inaccurate account is causing great stress to me and my family. More than 40 days have passed and nothing from this

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 2018-02-27
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I innocently switched my mobile phone carrier from XXXX XXXX XXXX to XXXX and Without my permission or knowledge XXXX did a Hard inquiry on my credit report which has Negatively affected my credit score. I called XXXX and asked if I paid off the balance of the phone I was financing and brought my account to a XXXX balance, would they remove the inquiry. They said yes so I immediately paid off the {$660.00} balance and they put me on hold only to return to tell me that They could Not and to contact transunion. I contacted Trans union and they said that they needed a letter of deletion from XXXX. I called XXXX again and they said No and referred me to this website. 
This is Not fair because XXXX DID NOT DISCLOSE THEY WOULD RUN MY CREDIT WITH A HARD INQUIRY. If they had then I NEVER WOULD HAVE SWITCHED MY CARRIER!

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 2018-08-11
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX keeps calling all my family and work. I have called them repeatedly to tell the. They do not have permission to contact me other then my home phone, and they still continue to call people and tell them its in regards to either an application ( no application with them ) or they are trying to get me to pay my debt I owe. They have told this to family and my employer. This is not ok, and the harassment wont stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
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: Was not notified of investigation status or results

Complaint:
I initiated a dispute regarding incorrect items which were listed on my credit reports. It has been well over 30 and I have not received any response from the Credit Reporting Agencies.

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