BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
am a hard working individual that is trying to restore my life after post pandemic. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 and my rights have been violated according to this law. I demand that the accounts below be removed from my credit report. According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission or consent to furnish these account.

Accounts : XXXXXXXX XXXX amount:XXXX XXXX  date open : XXXX XXXX XXXXXXXX XXXX. date open : XX/XX/XXXX XXXXXXXX XXXX date open : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Credit Karma, LLC
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My credit karma card was locked because they suspected fraud nothing that I called in personally something they said I signed up for but I was unaware. I only use my card once a month..on XX/XX/XXXX when my money is normally available on my account I tried using my card at the XXXX  gas station on XXXX in XXXX Virginia it was declined because I entered the wrong pin.I changed my pin thru the app I tried to get gas it declined once again I get an email saying someone was trying to withdraw XXXX $ from my card so I kind of ignored it cause Im standing at the gas pump trying to get gas with my card in hand. I knew that email wont the truth.Next I went to XXXX and try to buy a couple of items my card declined once again thats was the final draw so I called CREDIT KARMA to see what was going on thats when they transferred me to the fraud department Im like fraud so when someone from the fraud department get on the phone she demanded I answer questions about something I knew wont no fraud attempt and treated me as if I was the fraudster. I refused and linked my cashapp card and used that until my card was cleared fast forward to the day b4 my expected deposit which was the XXXX of XXXX I called again to clear the suspected fraud transaction after I cleared them the agent told me she was unlocking my card I hung up phone on her.The XXXX come my account is still locked and no deposits available on my account so I called back they tried telling me three times that my account was unlocked but clearly it wont because I can see from my online account that it wasnt. I informed her I could see that it wont unlocked and I asked to speak with a supervisor she put me on hold as if she was looking for a supervisor she got back on the phone and said there was no supervisor on the floor at the time so she will help me then boom my account is unlocked I said thank you miss but I have one more question? WHEN WILL MY TWO DEPOSITS IM EXPECTING TODAY WILL BE AVAILABLE ON MY ACCOUNT SHE ASKED THE AMOUNT WHICH I TOLD HER SHE SAID YES I SEE THEM IT CAN BE ANYTIME TODAY JUST KEEP CHECKING UNTIL END of day which I did as well as call every two hours just for other reps to tell me they did not see them here it is the XXXX XXXX am and still the same thing.PLS HELP ME WITH THIS SITUATION ITS NOT FAIR IM A SINGLE MOTHER OF XXXX CHILDREN AND ONE ON THE WAY MY TV IS OFF BECAUSE OF THIS MY KIDS HAVENT BEEN ABLE TO DO THEIR SCHOOL ON tHE COMPUTER BECAUSE THERES NO INTERNET I HAVE NO FOOD AND NO HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: ProCollect, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2022 I had a debt I never authorized sent to my collections. This was identity theft. I spoke with XXXX  and was told I would owe no debts and my accounts would be removed. I now see I have this debt owe my credit report and its 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 2022-06-02
Company: Fig Tech Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX and acct with fig loans was opened in my name in the amount of XXXX when I noticed it on my credit report I notified the company to report fraud and they stated that the information on file was not mine and they would remove it from my credit reports which still has not happened as of XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: IL
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  Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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  Account # 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 a account without my written instructions

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 2022-06-28
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-11-30
Company: Spring Oaks Capital, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Requesting proof of debt validation notice. Needs to be certified mail within XXXX buisnsss days of purchasing debt or immediately delete as it is effect my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-06-28
Company: UNITED BANKSHARES, INC.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I transferred money thru XXXX thru my bank United Bank. I sent it to the wrong number but after XXXX minutes got the correct number and corrected it. I called my bank to let them know. After a few days, I received a letter from United Bank that they can not help me get my money back which is {$1100.00}. 

My complaint is- if it was reported to my bank within minutes the error was recognized, why did the bank put on hold the transaction and reverse the payment. They have all the power to reverse the payment, if the person and phone number doesn't match. Just like what you do with wire transfers. 

I sent a message to the person with wrong number to return the money but did not return it. 

After talking to my bank who insisted they can not help and suggested I called XXXX, which I did, now XXXX is telling me that they can not help and should call my bank. 

My questions is- how are the consumers protected from this kind of kind of mistake. Who takes responsibility. 

If the person 's name does not even match, why process the transfer?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am a consumer by law and my information was misused and now I have false information, not 100 % accurate accounts on my credit report. All being unauthorized use of 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 non-monetary relief
Consumer complaint received 2023-11-14
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a persistent issue that has significantly impacted my credit profile, concerning your entity, LVNV Funding LLC, also known as Resurgent Capital Services. 

Upon discovering LVNV Funding LLC 's involvement in my credit history, I was surprised by the lack of prior notification or awareness regarding the reopening of a previously disputed and closed accountan action taken by LVNV Funding LLC. In 2018, when I first became aware of this account, I questioned its legitimacy and requested a signed copy of the contract associated with it. Unfortunately, my inquiries were met with evasive responses, complicated by personal circumstances, leading me to discontinue pursuing the matter. 

It is crucial to note that, although the account was subsequently closed, and the debt was charged off, I consistently disputed its validity with both the credit reporting agencies and the account holder. Despite my efforts, this issue has resurfaced, as LVNV Funding is now actively pursuing the account, reporting it as open and delinquent throughout this period. 

On multiple occasions, I have requested LVNV Funding to provide a signed copy of the contract in accordance with the provisions outlined in Virginia Statute XXXX and the Fair Debt Collection Practices Act ( FDCPA ) Section XXXX. Regrettably, instead of producing the requested documentation, they have responded with a mere screenshot printout of the debt. They also provided a print out of a 2018 contract that is not even signed nor is it the date of when this said account was established. They are fraduantly providing documentation and this does not establish that I personally entered into the contracta central point of contention in this matternor does it specify the origin of the purchases on said account. 

Given LVNV Funding 's failure to substantiate the validity of this debt by providing the necessary documentation, I hereby demand the complete removal and deletion of the said account from my credit report. This request is based on grounds of violations of Virginia Statute, the Fair Credit Reporting Act ( FCRA ), the FDCPA, and potential defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX XXXX  XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$4000.00} XX/XX/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 2022-06-07
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 requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent follow up responses and still not get hear anything. The dates I sent the letters were XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.

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 2023-11-08
Company: I.C. System, Inc.
State: AR
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Company try to collect on a debt that have no knowledge of 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 2022-09-21
Company: Vengroff Williams, Inc
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a XXXX old XXXX XXXX and nutrition expert since XXXX. 
At XX/XX/XXXX XXXX, I've had experienced an upnormal chest pain and vomiting, with higher than normal XXXX XXXX that was ( XXXX ) XXXX Pulse, before an Imbalance arrival, and this weren't normal for me because, normal XXXX XXXX of a fit person high performance athlete, as is predominantly being below a XXXX, as i used to. 

The Imbalance have arrived, so they've taken me to ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) located In the XXXX XXXX XXXXXXXX, SC, and after diagnosis have finding out that I have XXXX XXXX XXXX XXXX  XXXX which is obviously TRAUMATIC, XXXX  in summary ( is known as a breakdown of damaged muscle cell contents into bloodstream can cause organ damage such as XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ). So my ( XXXX XXXX XXXX XXXX XXXX  XXXX which is dangerous and can lead to death, while normal XXXX level should be around ( XXXX ), I've had an insufficient medical treatment by XXXX that had reduced my XXXX level ONLY to XXXX, and then without notifying me that I've still in dangerous health condition, the XXXX doctor have told me to go back home. 

So I left the hospital after a few hours around XXXX NOT feeling well have the same symptoms that I've mentioned above, no change, went back home still vomiting my XXXX XXXX still high with high XXXX rate, then I've had called my URGENT care doctor named ( XXXX XXXX XXXX- ( XXXX XXXX XXXX XXXX ( his medical care address and business cell number in this complaint as well ) then have visited him, he have told me that I still need a treatment you not suppose to leave the emergency until my XXXX get really low at least below XXXX, so he had followed up with me for the following months as it shown in the receipts of each visit to him ). 

A few months letter I received a {$3500.00} bill from the XXXX XXXX XXXX for their insufficient treatment, as it shown inhere, I could be dead already because of this reckless treatment via XXXX, so XXXX didn't treat my health problem the way that I suppose to be treated, the normal XXXX  should be only from XXXX to XXXX according to the scientific data and I wasn't know if I am going to be able to survive from this health problem or pass away! 

I have treated myself via an urgent care who treated me as it shown on the receipts and prescription in the attached file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Company over the phone agreed to consider this matter resolved and settled in full if I paid {$1700.00}. Incorrect information still appearing on 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 non-monetary relief
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Apelles, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by XXXX after already having disputed the original debt with them well over a year ago. The debt claims that I am a co-endorser for another person for guarantee of their account and responsible for their unpaid amount of {$250.00}. The problem is that the contract provided to me showing my alleged signature only shows a digital signature. I contend that I did not sign as co-endorser of the agreement, it was executed by others outside of my knowledge, and is a fraudulent representation of a legal agreement. Last correspondence received from XXXX was in XX/XX/XXXX to which i responded to them and subsequently filed report XXXX with the Federal Trade Commission claiming this was a fraudulent representation.I have now received a collection notice on XX/XX/XXXX from Apelles collection agency ( www.apellesnow.com ) advising that I can now settle this debt for a lesser amount of {$120.00}. I did not previously owe anything to XXXX still do not owe anything for this mis-represented account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: MS
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, has violated my rights. 

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

These are the list of Account numbers that have broken privacy including the one above. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation