BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-08-02
Company: Bread Financial Holdings, Inc.
State: PA
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:
This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Convergent Outsourcing has been harassing me to collect a debt of {$560.00} from the original creditor XXXX. I PAID in FULL XX/XX/2016 my bill in cash directly to XXXX and this is not legal. It has shown up on my credit report and it is unfair that this has affected my fico credit score. I need it to be removed from all credit bureaus. I paid my financial obligation and should not be harassed by phone, my house phone and mail for a debt that I have already paid in full. I have spoken to XXXX and they have told me there is XXXX balance that I owe. I need this removed from all 3 credit bureaus immediately and for the harassment to stop.

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 2018-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I do not have a specific dates, but I was added to my mom 's credit card as a authorized user and it is not showing up on Transunion or XXXX  and I would like it to be reported accurately. XXXX is reporting the information correctly.

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 2023-07-10
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In my attempt to verify a debt of {$530.00} that does not belong to me, the company LVNV Funding LLC could not validate my full name, address and other pertinent factors to prove that this debt belongs to me. The debt collector illegally violated laws of the FCRA by not sending me a letter in the mail because they did not have the correct address, illegally reported it to the credit reporting agencies, they were unable to give me my complete name to prove that the debt belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: CO
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 multiple fraudulent and unauthorized inquiries. I have submitted certified letters of disputes and still have not been removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04
Company: SYNCHRONY FINANCIAL
State: MA
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 XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in XXXX XXXX XXXX XXXX XXXX XXXX, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the 6-year charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer of 20 % of basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.

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 2019-11-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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 XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in XXXX XXXX XXXX XXXX XXXX XXXX, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the 6-year charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer of 20 % of basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: GA
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:
Account # : XXXX Account Name : XXXX XXXX XXXX  Alleged Balance : {$770.00} Original Creditor : XXXX XXXX XXXX XXXX I have contacted both Equifax XXXX as well as XXXX XXXX XXXX  regarding this account. The payment dates, balance amount, and opening date are all incorrect. Neither company has furnished proper proof that a thorough investigation was completed. 
XX/XX/XXXX XX/XX/XXXXXXXX XXXX Account # : XXXX Account Name : XXXX XXXXXXXX Alleged Balance : {$91.00} Original Creditor : Progressive I have contacted both Equifax XXXX as well as XXXX XXXXXXXX regarding this account. The payment dates, balance amount, and opening date are all incorrect. Neither company has furnished proper proof that a thorough investigation was completed. 
XX/XX/XXXXXXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Alleged Balance : {$5100.00} Original Creditor : XXXX XXXX XXXX I have contacted both Equifax XXXX as well as XXXX XXXX XXXX regarding this account. The high balance is inconsistent with the other credit bureaus. The close date is incorrect. Last payment is also incorrect and inconsistent with the other credit bureaus. 
XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: WHEELS FINANCIAL GROUP, LLC.
State: IN
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 NO KNOWLEDGE of this account.This is fraudulent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX  along with Experian, XXXX and XXXX XXXX is reporting delinquent for the amount of {$41.00}. This information is incorrect. I never received a collection letter from XXXX. I requested an investigation, and it shows all information is correct, even though it is not, I would like any reporting agencies to provide all information in regards of this alleged debt. Because the information is incorrect this information should be removed for 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 2019-04-23
Company: Paypal Holdings, Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
A client paid me {$3700.00} for consulting services via PayPal. PayPal charged a service fee of {$100.00}. PayPal believes that my transaction violates their Acceptable Use Agreement but will not provide any detail as to what that violation specifically is. They are holding the {$3600.00} for 180 days without any just cause and refuse to communicate on the matter. During this time PayPal will be earning interest on my income as a XXXX XXXX XXXX. I seek relief in getting PayPal to release these funds immediately as there is no just cause in they holding these funds for 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
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 XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in XXXX XXXX XXXX XXXX XXXX XXXX, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the XXXX charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer of 20 % of basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: EQUIFAX, INC.
State: NM
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:
I am currently attempting to fix my my credit and I requested my credit report from XXXX and it doesn't allow me to retrieve my report. I am wanting to dispute items on my report that i do not recognize as well as items that should have came off already.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: HW Holding, Inc
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I told them I have paid this debit off before I ever heard from Hunter Warfield.  XXXX took my money and I asked them to not contact my company again using robocalls. She told me that the calls will not stop and they will continue to call me as often as they like. I told her I would report them and before I finished my sentence so cut me off and laughing said go right ahead. I own a towing and recovery business and am fully trained in debit collections myself. I have studied and certified in these areas as directly relates to repossessions of assets. She said if I paid my debit after a certain date i still owe them. Which is completely illegal. If XXXX took my money the account was not charged off. Therefore another company can't collect the debit again.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXXXXXX XXXX XXXX Original Creditor Name XXXX XXXX  Date Assigned XXXX XXXX, XXXX Original Amount Owed {$49.00} Amount {$110.00} Collection Agency XXXX XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$140.00} Amount {$140.00} Collection Agency XXXXXXXX XXXX  Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$170.00} Amount {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX CO XXXX AZ XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$5400.00} Amount {$5400.00} Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$630.00} Amount {$630.00} I have disputes these items numerous of times due to identity theft with supporting documents of the police report as well as my personal information attached for verifications. These debts keep reappearing through new collections attempts, harassing me through phone and email and I need that to cease and decist immediately. I have been sending the same removal letters and reports for over two years and they continually re-add these items to my Transunion, XXXX and XXXX reports.

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 2018-09-15
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX has not accurately reported the correct balance nor on time payment since XX/XX/2018. They have been contacted via telephone and email, the payment is still not being reported. XXXX XXXX has recently been sold to XXXX XXXX and there is still no update on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: Credit Karma, LLC
State: MD
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:
A rep from the company XXXX XXXX came to my job and asked me to fill out a paper for a loyalty card in early XX/XX/2017. Me and my co workers asked if it was for a credit card and the young lady from XXXX XXXX clearly said no. 
After few months I look at my credit report and I have a hard inquiry from XXXX XXXX XXXX. I talked to the young lady at XXXX XXXX who is the general manager and XXXX said she would look into it but its been over 3months and every time i ask for an update she has no info. I need this removed from my report because I was told false information and did not authorize this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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 XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in XXXX XXXX XXXX XXXX XXXX XXXX, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the XXXX charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer of 20 % of basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a particular Account that you place on my credit file Acct # XXXX XXXX XXXX XXXX XXXX that I have disputed as fraudulent account but yet you still havent removed the account. I am unaware of the account for the final time. I mentioned several times that the account doesnt belong to me and that I am unaware of the account. I disputed this same account more than 5 times but to receive a falsely generated code from your computer that this debt is verified and I know it isnt mind and Im unaware of it. It clearly is a fraudulent account which I look to do an internal dispute and file this as an affidavit as well.

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 2018-09-15
Company: Westlake Services, 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 information incorrect

Complaint:
XXXX XXXX has not accurately reported the correct balance nor on time payment since XX/XX/2018. They have been contacted via telephone and email, the payment is still not being reported. XXXX XXXX has recently been sold to XXXX XXXX and there is still no update on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: EQUIFAX, INC.
State: VA
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 applied for a credit card online, was approved and sent a card. I then received notice that they had my ssn wrong. I mailed in the required form. I recently found out they also had my date of birth wrong. I sent in copies of my ssn card and driver 's license to verify. I just discovered today that my card was closed without notification. My credit report Is also wrong. I've also sent in driver 's license and ssn to equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
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: Credit inquiries on your report that you don't recognize

Complaint:
I have had a fraud alert placed on my Equifax credit file that indicates anyone who runs my credit needs to call me and that was not done and violates my rights as a consumer. I have reached out to Equifax on more than one occasion to advise my credit was pulled without my permisson and the stated that these items were accurate. I need this inquiries removed from my report XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation