BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: ZINC Financial, 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: Investigation took more than 30 days

Complaint:
No contract Section 604 ( a ) ( 2 ) allows CRAs to furnish consumer reports in accord with the written instructions of the consumer to whom it relates. Late payment reported Negatively impacted Issue not resolved after multi attempts Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Gap a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. ( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. ( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. ( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. Please review I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( m 281 SW 715,719, I presume that no proof of the alleged! debt, nor therefore any such debt, in fact therefor exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was exposed to chemicals at work XXXX XXXX XXXX XXXX I was taken from work to the hospital by my employer and spent two months in the hospital. I had part of my XXXXXXXX XXXX as a result of the inhalation of chemicals. It is illegal for a physician or medical facility to bill an injured worker if they know the injury is work related-related. this law is found in California labor Code section 3751 ( b ). This dept is for a work related injury and there is a current and open workers comp claim. I will attach the documentation that shows that there is a current and open worker comp claim and they are absolutely aware of the fact that there is and I have provided this information to The Hospital as well as this Dept Collector. This Hospital Bill is the sole responsibility of the Workers Compensation insurance company, and I am not legally responsible for any medical services rendered. This Company is Harassing me for a Fraudulent Dept collection that was never my responsibility, nor will it ever be my responsibility and it is completely fraudulent and unethical to be billing me for anything regarding having part of my XXXX XXXX due to being exposed to toxic chemicals at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
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: Personal information incorrect

Complaint:
There is inaccurate personal information that is furnished on my credit report. I have reached out to the reporting agencies several times regarding this misinformation. I was told it would be removed. Different reporting agencies are reporting different mis information.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-04-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
we contacted the XXXX XXXX  company in regards to the balance we paid off last year and they still haven't reported the paid off on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On Monday XX/XX/2022 my husband and I requested ( via telephone ) an XXXX transfer of funds from our Ally Bank JOINT on-line savings account to our XXXX XXXX XXXX XXXX account. We provided the Ally Bank all information required, as we had a XXXX XXXX representative on the other line helping us. We were told that this would take a few days. By Thursday, XX/XX/XXXX morning, no funds had been transferred. We again called Ally and requested that they wire transfer the funds, as we were now frustrated and willing to pay {$20.00} for a wire transfer. We were told by the Ally representative that a wire transfer must be initiated on line. At approximately XXXX XXXX  on Thursday XX/XX/XXXX, we completed the on-line wire request form and I received a confirmation e-mail at XXXX XXXX  from Ally Bank XXXX We were told that a representative from Ally would call us to confirm the transfer. We stayed home all Thursday afternoon waiting to receive this call. No call. No wire transfer. Friday was a bank holiday, so Monday morning we called Ally, waiting on hold for almost half an hour. Were were told that the wire transfer department was closed and there was nothing we could do until they opened. The representative, XXXX, would not give a message to the wire transfer department to call us back, as we did not want to wait on hold again. We then tried an on-line chat. Chats with XXXX and XXXX did not resolve this issue. However, XXXX told us that we needed to call back and ask for the Loss Prevention Department. Another phone call back to Ally ( they only have one number, so no direct line to Loss Prevention or Wire Transfer Departments ). XXXX at Ally informed us that Loss Prevention would call us, that we could not initiate the call to them ( XXXX was WRONG ). Ally 's wire information states that wire transfers must be reviewed by them by XXXX XXXX  in order to go out that day. At XXXX XXXX  I received a call from Ally ( while I was shopping at XXXX ). They asked many questions, mostly about the receiving account at XXXX, information that I had already submitted via their on line wire transfer form. As I did not have that information handy ( at XXXX ), my husband had to call XXXX and have them tell us the information while we held our two phones together on speaker phone ( IN THE MIDDLE OF XXXX WHERE ANYONE COULD HAVE HEARD THIS CONFIDENTIAL INFORMATION!!! ) so the Ally representative could be satisfied. It is now XXXX XXXX  EST and the wire transfer has not yet gone. We started this process over a week ago. This is our money. It does not belong to Ally. I think that Ally Bank needs to be fined or punished for keeping a customers money long after they have requested it. In addition, the {$20.00} wire transfer fee should be reimbursed to us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be updated or corrected as soon as possible. 
XXXX XXXX Original Creditor : 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 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 2023-05-09
Company: SANTANDER HOLDINGS USA, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Preston Clark & Quinn
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Called on XX/XX/23 to myself and my sister stating I would be served papers. Upon calling back I was told I was being sued for an extremely old debt and after I attempted to tell them not to call my cell phone or my sister 's cell phone I was hung up on repeatedly.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I read over my credit report and found that some of the data was incorrect. These itemsmust be verified by the 3credit bureaus in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permitted to disregard these reporting itemsas unverified information without offering any justification within the legally permitted time frame. My credit report lists the following itemsthat require investigation and correction for inaccurate reporting in my file : 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 non-monetary relief
Consumer complaint received 2023-05-09
Company: Elevate Recoveries, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: NM
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:
Since I looked at my credit report months ago, I've discovered that some of the data was still inaccurate. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the 3credit bureaus are obligated to authenticate certain items. ( A ). It is unacceptable to treat certain reporting items as unverified rumors without providing evidence within the prescribed window of time. Sections 611 ( a ) ( 1 ) and 609 ( a ) ( 1 ) ( A ). ( A ), look into the unverifiable things and correctthem from my report right now. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Since I looked at my credit report months ago, I've discovered that some of the data was still inaccurate. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the 3credit bureaus are obligated to authenticate certain items. ( A ). It is unacceptable to treat certain reporting items as unverified rumors without providing evidence within the prescribed window of time. Sections 611 ( a ) ( 1 ) and 609 ( a ) ( 1 ) ( A ). ( A ), look into the unverifiable things and correctthem from my report right now. XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021.

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 2023-05-09
Company: Experian Information Solutions Inc.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 simply asked for an examination of the disputed items since I believed the credit bureaus did not sufficiently look into my dispute. The three credit bureaus ' records show that it was false. The three credit bureaus need to replace the following information from my file because the credit bureau 's inspection was done erroneously. 
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 2023-05-09
Company: EQUIFAX, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

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 2023-05-09
Company: EQUIFAX, INC.
State: IN
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've been waiting for some time, but the 3Credit Bureaus haven't given me any form of response, so I've decided to ask you for help. They have been careless and have refused to do as I have asked. I am very certain that they must adhere to the Fair Credit Reporting Act law, present documentation and proof, and provide definite and accurate answers within the allotted statutory time. However, if they did not, they are required to correct or remove the inaccurate and unconfirmed items. My credit scores have suffered a great deal as a result of their negative and unacceptable behavior. Please find the items that concern me below : 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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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've been waiting for some time, but the 3Credit Bureaus haven't given me any form of response, so I've decided to ask you for help. They have been careless and have refused to do as I have asked. I am very certain that they must adhere to the Fair Credit Reporting Act law, present documentation and proof, and provide definite and accurate answers within the allotted statutory time. However, if they did not, they are required to correct or remove the inaccurate and unconfirmed items. My credit scores have suffered a great deal as a result of their negative and unacceptable behavior. Please find the items that concern me below : 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 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