BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-21
Company: MSW Capital, LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have made three complaints about XXXX XXXX XXXX. They continue to state that they 've tried to reach me by phone. I HAVE ASKED THEM THREE TIMES VIA U.S. MAIL TO MAKE A COUNTER OFFER IN THE MAIL. I WILL NOT CALL THEIR OFFICE AS THEY STATE BECAUSE I AM COMPLETE FEAR OF THREATS, BULLYING AND DERRAGATORY REMARKS FROM STAFF AND XXXX XXXX. WHEN THEY WANT TO THREATEN ME WITH A GARNISHMENT OR A NOTICE OF EXECUTE IT 'S FUNNY THAT THEY SEEM TO HAVE MY ADDRESS FOR THAT. I AM ATTACHING ANOTHER LETTER TO THEM DATED XXXX MAKING ANOTHER OFFER. I WANT TO SETTLE THIS BILL. I 'VE MADE SEVERAL ATTEMPTS AND THEY KEEP SAYING THEY TRIED TO REACH ME BY PHONE. I HAVE REPEATEDLY ASKED THEM TO COUNTER IN WRITING AND THEY REFUSE. I THINK THEY ARE IN THE BUSINESS OF HARASSMENT. I WILL EXPECT A LETTER FROM THEM WHEN THEY RECEIVE THIS SIGNATURE REQUIRED OFFER FROM ME. MY INCOME IS COMPLETELY EXEMPT AS IT IS SOLELY SOCIAL SECURITY. THEY HAVE TRIED TO STEAL THIS FROM ME AND IT IS ILLEGAL. I AM GIVING THEM A THIRD OPPORTUNITY TO SETTLE THIS BILL.

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 2023-03-15
Company: Experian Information Solutions Inc.
State: LA
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:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer report agency can not furnish an account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-03-09
Company: Upstart Holdings, Inc.
State: MN
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:
I am not a 14th Amendment Citizen and a Secured Party Creditor, I have all proper documents in public record. My FEE per Trespass is {$300000.00}. My LEGAL FICTION ALL CAPS NAME is now copyrighted and I placed a $ XXXX Lein against that PERSON... Any company, man or woman wants to use it, borrow it, or administrate it ... compensation is required. I gave UPSTART many opportunities to Remove my information out of their database and remove their information off my credit report and if they did not... Tort Claims will be filed. They ignore me and have made no effort to contact I. Now Compensation is required for Administrating Property Without Right, Consent or Contract ( Trespass ) and they're ordered to remove their information off my credit report. 15 USC 1666 ( d ) HJR-192 of 1933 ALL DEBTS ARE PAID. There is no money in circulation by fact. Upstart is in violation of multiple title 15 codes + causing harm towards a man which is a CRIME by LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe this office ANY money for anything at all. They have billed my insurance for a sleep study that did not occur, and they are trying to get me to pay this frivolous bill. They have sent it multiple times saying it's for not showing up for a sleep study - but 1 ) sleep study was never conducted, and 2 ) they were aware I was not going to be fit to participate in the sleep study. 
I've called them, and they have me leave messages, which are never returned, and then when I have talked to someone in the office, she said the {$250.00} should be dropped - and should never have been charged - but she did not have authorisation to remove charges ( only to add new ones ). When I tried to take care of this and resolve it in person, while in their office, and asked to speak with the office manager,  she said it was not up to her. Basically, I was getting the run-around while in person. 
Then, they would call, and send a LOT of mail trying to bully me - threatening to sue (? ) while all along I kept telling them that I don't owe them anything for what they're claiming, and don't understand why I can't get through to them. 
I do not owe this office a cent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12
Company: Experian Information Solutions Inc.
State: WY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX WYOMING XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. 
Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Made by : XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. 

Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: LEXISNEXIS
State: AL
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:
About two months ago Lexis Nexus agreed to remove the bankruptcy from my Lexis Nexus report ; however, XXXX, XXXX, and XXXX are stating your company is still verifying the bankruptcy. This is a violation of the FCRA and my next action is filing a complaint against your company with the Alabama and GA Attorney Generals office. If you deleted the information from your database ; why are you still reporting to the credit reporting agency the bankruptcy is valid? I am requesting that you inform XXXX, XXXX, and XXXX that the Bankruptcy information is no longer reporting in your database and refrain from verifying information that is not there. I have provided each credit bureau with proof the Bankruptcy is no longer in your database. I will forward this information to the Attorney General of GA and let them know you continue to violate FCRA rules along with the CRA 's. Either your company reporting false information or the CRA 's are lying about verifying with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Consumer Portfolio Services, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am reaching out to request the validation of a debt associated with an account. Additionally, I would like to explore the possibility of settling the account if validated while seeking an arrangement for the permanent deletion of the account from my credit report. 

I kindly request your assistance in providing the following information for debt validation : 1. Original creditor 's name and contact information.

2. Account number and date of debt inception.

3. Detailed breakdown of the claimed amount, including any interest or fees.

4. Supporting documentation demonstrating my liability for the debt. 

I kindly ask for your prompt support in providing this information within 30 days. To ensure fairness, I also request the suspension of any collection activities related to this debt until its validity is confirmed. 

Once the debt is validated, I am eager to discuss a settlement arrangement. Furthermore, I kindly request an agreement to permanently delete the account from my credit report upon successful settlement. This mutually beneficial arrangement would allow me to rebuild my credit history without the negative impact of this debt. 

I truly appreciate your understanding and cooperation in this matter. Please kindly reply to this email or arrange for an appropriate representative to contact me. I am available at the provided email address or phone number to discuss the next steps or provide any additional information required. 

Thank you for your attention, and I sincerely hope for your assistance in reaching a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: LEXISNEXIS
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: Reporting company used your report improperly

Complaint:
I am writing you to inform you that lexis nexis, any other credit agency reporting reporting a bankruptcy on my client 's credit report and they have put in the data furnished as being the us bankruptcy Court of Virginia which is false I have attached a letter from the u.s bankruptcy court of Virginia verifying and stating that they do not furnish information over to the credit bureaus or any um credit monitoring service nor do they verify or validate any information concerning bankruptcies lexis nexis is falsely stating this information on credit report. I also did not give them any information or permission. In accordance with the fair credit reporting act Account # has violated my rights 15 U.S.C. 1681 section 602 A states I have a 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19
Company: Midwest Recovery Systems
State: IN
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 couple weeks ago this company put collections on both my XXXX XXXX and XXXX credit reports - MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX  I have no knowledge of this debt, and no one from this company has attempted to contact me before reporting it to the credit bureaus.

I have tried to contact the company, and it seems like a complete scam. No one answers the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXXXXXX # XXXX has violated my rights as a consumer. 

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

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

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. I XXXX XXXX has verified the accounts below has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX, XXXX. Account Number : XXXX Account name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account name : XXXX Account Number : 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 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.

I would like to also add that these inaccuracies and incorrect information is preventing me from accessing credit and a mortgage for me and my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Deposited cashiers check of {$1900.00} on XX/XX/XXXX to my checking account at USBank in XXXX CO. Check was immediately cleared and funds available in account until XX/XX/XXXX. On XX/XX/XXXX, the check deposit was reversed without explanation. I realized then that the cashiers check I deposited on XX/XX/XXXX was fraudulent and I was a victim of a scam that has cost me {$1900.00}. 
I reported this fraudulent check and scam to USBank fraud liaison department on XX/XX/XXXX in an attempt to catch the perpetrators and recover lost funds, but to date ( XX/XX/XXXX ), I have not received any response from the 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 explanation
Consumer complaint received 2023-11-16
Company: Accurate Background
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was denied a job because of failure to provide required documentation for something that I already told them wasnt even on my record yet. Im being denied for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: AK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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  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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Dynamic Recovery Solutions, LLC
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Original loan was with XXXX. It was sold 14 times. Ended up in collections. Collection company XXXX XXXX. We went to court on XX/XX/XXXX and the case was dismissed WITH PREJUDICE. Account was beyond statute of limitations. *See attached. In XX/XX/XXXX I began receiving phone calls and letters from Dynamic Recover Solutions attempting to collect this debt. I've ignored phone calls. XX/XX/XXXX I received a letter *attached. I told them the debt was dismissed and they wanted proof. After providing a copy of said dismissal, they sent me to XXXX XXXX XXXX, who in turn reiterated I was to begin making payment arrangements. I refused to speak with a representative from their company. How do I make this stop, as it is causing high anxiety and health issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently learned it was inaccurate installment loan on my credit report with late payments so I reach out to XXXX Equifax XXXX they are still not verifying

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I recently visited the XXXX XXXX on XXXX and XXXX in New York to purchase something. The sales associate mentioned an offer for a " Store Card '', that was explicitly NOT a credit card, and I would save 10 % off my order. I agreed and went through the application, and at multiple junctures, I asked why I was being asked different questions similar to a credit card application, and I was assured it was just a quick check, and I wasn't getting a credit card. Multiple times he said I was getting a " Store Card '' that had rewards benefits similar to a credit card, but it wasn't a credit card. I assumed it was another extension of the XXXX XXXX. After the entire transaction was through I saw that the 10 % was not taken off my transaction and only AFTER the transaction was completed and my shiny new credit card was charged, was I told that the 10 % was going to be put on a rewards balance. This is absolutely disingenuous and I'm pretty sure there are consumer protection laws against this type of behavior. I am lucky in that I have a decent enough credit to be ok with the random credit check and I was able to call CitiBank and have the card cancelled. I just want this to be investigated so that other people who may be  more vulnerable can be protected from this kind of predatory behavior.

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 2019-08-12
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: Account information incorrect

Complaint:
I had a XXXX card charged off in XX/XX/XXXX. I was sent a 1099-C in XXXX of XXXX. This account is reporting opened and resolving and is still affecting my utilization even though it was canceled. Ive made 3 phone calls to XXXX since the 1099-C to ask to make a payment In full so it stops affecting my FICO utilization. They say it is canceled and there is no way to pay my balance. 

So if the debt is canceled and they wont let me pay how can this balance be revolving utilization?

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 2019-08-12
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:
I had a XXXX card charged off in XX/XX/XXXX. I was sent a 1099-C in XX/XX/XXXX. This account is reporting opened and resolving and is still affecting my utilization even though it was canceled. Ive made 3 phone calls to XXXX since the 1099-C to ask to make a payment In full so it stops affecting my FICO utilization. They say it is canceled and there is no way to pay my balance. 

So if the debt is canceled and they wont let me pay how can this balance be revolving utilization?

Company response to consumer: Closed with explanation