BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have already sent multiple requests this year, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information.

Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. ( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used with out my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. YOU have aided this Fraud by not verifying these accounts. Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 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. 

The Following Accounts are a result of Identity theft and are not mine, I demand that they are DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I demand all the above Fraudulent accounts DELETED immediately.

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 2022-12-15
Company: CL Holdings LLC
State: SC
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:
accordance wit the fair credit Reporting act. The List or accounts below has violated my federally protected consumer rights tO privacy and confidentiality under 15 USC 1681 Account Number XXXX Name JEFFERSON CAPITAL SYSTEM , 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 _astrucions 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 An other adverse item of information, other than records of convictions of crimes wnich 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. 
Account Number XXXX Name JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2020 Responsibility Individual Account Account Type open Loan Type DEBT BUYER Balance {$290.00} Original Amount {$290.00} Original Creditor Past Due XXXX XXXX XXXX XXXXXXXX XXXX  {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Telsa Motors Inc
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In 2014 someone at my rental property forged my signature for solar services with Solar City ( Tesla ). I filed a police report Case # XXXX. That is all the information the Washington DC police provided. Tesla has refused to investigate this matter, they have refused to remove this from my credit history and state that I owe the loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX charged off credit card debt from a failed business venture and reported it as a consumer account on my credit report. I disputed the accounts with XXXX and in retaliation XXXX sold the debt to an outside debt collection agency called Sherman Originators, LLC. The only reason I was notified that Sherman Originators, LLC owned the disputed debt is because XXXX responded to a complaint I filed with them regarding the failed business venture. I did not receive a notification from Sherman Originators, LLC. about an attempt to collect a debt or information verifying the debt was mine which is in violation of the requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ). Additionally, after checking my credit report the debt was sold again to a company called LVNV Funding, LLC. I contacted LVNV and they sent a letter that appeared to be in compliance with regulations set forth by the FDCPA and the CFCPA. However, I was unable to dispute the matter because the company received inaccurate information from the Sherman Originators and ultimately XXXX regarding the classification of consumer and business debts. XXXX and Sherman Originators did not meet requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ). Additionally, LVNV Funding, LLC refused to acknowledge they received incomplete and inaccurate information from Sherman Originators, LLC and ultimately XXXX. How can inaccurate information and failure by the companies to properly notify, stemming from the original source, continue to be reported to my consumer reports?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following account need to be removed as they are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you claim these account are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block this account I will be referring this matter to my attorney for further action. Please do not make this a litigious matter

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 2017-08-21
Company: Experian Information Solutions Inc.
State: LA
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 have been dealing with Experian credit bureau concerning a bankruptcy they are reporting since XXXX 2017. I have went back and forth with this company concerning this entry and they have done nothing to help me or remove this inaccurate entry. They have not showed me or verifyed any proof this is my debt. I am sending documents to help with my case because they are breaking the law in this case.

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 2022-07-06
Company: PRESTIGE FINANCIAL SERVICES INC
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The company never sent correspondence stating how much the car was sold for in auction. Disputes with original creditor in XX/XX/XXXX, along with disputing with credit bureaus from XXXX, XXXX, and XX/XX/XXXX. The account is charged off and the creditor is reporting monthly that a payment is being missed and that amount of debt owe increases monthly if not being reported. 
Prestige Financial XXXX sent letter to me stating vehicle was auctioned off in XXXX for {$9000.00} amount owed as of today ( XX/XX/XXXX ) per credit report is {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Commonwealth Financial 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 had 2 negative credits in my XXXX from XXXX XXXX XXXX that were not mine they they were despite and deleted I got the letter in the mail XX/XX/XXXXfrom XXXX then I got a letter from common wealth financial systems inc. On XX/XX/XXXX that XXXX XXXX XXXX had sold the previously deleted accounts to XXXX XXXX XXXX who then placed it with commonwealth financial systems inc to go back on to my XXXX saying owe them money that I do not owe and again was deleted of off my XXXX. Account number XXXX for the amount of XXXX $ and account number XXXX for the amount of XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've repeatedly tried to dispute and resolve this issue with National Credit Systems as well as the credit bureaus. They are in violation of FCRA 15 usc 1681, furnishing and reporting inaccurate information on my reports. They're also misstating the balances. The documents that National Credit Systems sent me to attempt to verify the alleged debt owed from the original creditor is {$1600.00}, however NCS is furnishing a new balance of {$1600.00} showing 1 % of the debt was recently paid on all my credit reports. Again I have no account or business with this company or gave my permission or written consent to allow them to report anything. They have been in default with providing me ALL requested documents or documents producing my wet signature of agreeing to allow them to collect. They refused to provide agreement between the legal stand on this collection in SC with the original creditor. There has been no payment made at all that supports the false information and different balances. The credit bureaus as well as National Credit Systems are not upholding the law but instead are using deceptive measures to collect and furnish obsolete inaccurate information. Under the law this account should have been removed and not allowed to continue to be a defamation of my character. This should be removed immediately from all my reports. Failure to do so will force me to sue and take legal civil actions against all parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received numerous calls from a phone number XXXX when call back I can't reach anyone. I received 3 calls back to back today as if it was an emergency so I answered and it was someone collecting on a debt that I new about and did not ask me to verify any information other than my name.

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 2017-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America policy requires adverse reporting to credit bureaus for seven years for accounts which have been PAID IN FULL following placement into profit and loss status. BOA is taking advantage of protection provided by a FCRA that does n't exist. FCRA Section 1681c relating to Accounts placed for collection or charged to profit and loss does not directly or specifically include accounts charged to profit and loss which have a CURRENT PAID IN FULL status. The law clearly states Accounts placed for collection or charged to profit and loss WITHOUT specifying reporting of accounts which have a PAID IN FULL status following a charge to profit and loss. I do not believe the INTENT of this FCRA law is to penalize a debtor who has PAID HIS DEBT IN FULL AT ANY TIME. Continued adverse reporting to credit bureaus penalizes the consumer AFTER he has paid his account IN FULL. Additionally, as a result of the lack of inclusion of accounts which are paid in full status under FCRA, XXXX has no right to maintain and adversely report information which the government has deemed nonexistent and not covered under this law.

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 2017-08-21
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: Information belongs to someone else

Complaint:
I have disputed the bankruptcy filing and submitted my FTC report to Equifax, they indicated they was removing the accounts ( Bankruptcy ) and it still appears on my credit report. I have attached a copy of there response regarding their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Experian Information Solutions 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 AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I filed an initial dispute with the bureaus on XX/XX/XXXX due to there being invalid and unverifiable information on my credit report. I never received a response from the bureaus so I sent another dispute on XX/XX/XXXX. Still, nothing from the bureaus! So I submitted a 3rd dispute on XX/XX/XXXX as well as a complaint through you because of the bureaus not communicating or acknowledging my disputes at all! This is now my 2nd complaint because you claim you need me to AUTHORIZE myself and my complaint, this is just hindering the process even more so!

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 2018-07-01
Company: EQUIFAX, INC.
State: MA
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:
My XXXX XXXX  card from XXXX  was cancelled by the merchant along with many others as they were going to replace it with an XXXX  card from XXXX XXXX that will arrive in XX/XX/XXXX. Equifax received this notification from XXXX   and Equifax reported this without any reason for the card being canceled My credit score on XXXX XXXX from Equifax went from XXXX on XX/XX/XXXX to XXXX a 134 point change on XX/XX/XXXX. My XXXX score remained the same at XXXX. I filed a dispute with Equifax and with XXXX XXXX. I have spoken with XXXX XXXX and have not heard from anyone .I have had the XXXX XXXX XXXX Card for over 9 years XXXX XXXX # XXXX card # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was either lost/ stolen, i provided the bank with detailed information in regards to fraudulent activity on my account. on XX/XX/20 at approximately XXXX XXXX  & XXXX XXXX  my savings account had money withdrawn in 2 separate transactions in the amount of {$300.00} each plus two {$3.00} balance inquiry fee & two {$3.00} fees for using a non TD bank. Once i was aware of the charges which was XX/XX/20 i immediately called my bank, notified them and cancelled my card as well as filed a police report. it appears on XX/XX/20 or XX/XX/20 they denied my claim because it states my pin was used.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-21
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
0n X/2017 I received a debt collect notice from Flanklin Collection Services in XXXX, MS XXXX case # XXXX for {$300.00}. This collection notice is for services of Data to me by XXXX XXXX XXXX account # XXXX. This collection is for overcharges of used Data for a Tablet that I got when I installed XXXX XXXX services at my home. I did not request the Tablet. I was disputing these charges. They kept charging me when I was requesting for them to take the Tablet. When I saw the charges I called XXXX XXXX XXXX, they did not want to take the Tablet back. They said that it passed the 15 days of grace period that I have keep it and pay the charges. I called them within a month. I disputing the case XXXX XXXX XXXX XXXX when they cancelled Tablet services, the XXXX XXXX service and charged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: CREDIT ACCEPTANCE CORPORATION
State: DE
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:
XXXX XXXX Balance : {$7200.00} This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY

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 2023-02-13
Company: EQUIFAX, INC.
State: NV
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:
XXXX  account with acct. # XXXX is reporting incorrectly. This ongoing and continuous violation of the Fair Credit Reporting Act is causing me undue stress and is a defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. XXXX XXXX - XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$1700.00}, XXXX XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25.00}.

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