BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: Thaxton Investment Corporation
State: GA
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:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions 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 received my investigation back from Experian, which states you completed a fair investigation and these accounts are 100 % accurate. 

Can you please answer this one question? How did you investigate these accounts?

Because according to the Fair Credit Reporting Act 15 U.S. Code 1681a this is how you're supposed to INVESTIGATE MY CONSUMER REPORT.

Did you interview my neighbors? Did you interview my family and friends?

Who did you speak with ( Names, dates of contact ( s ) ) One more thing can you please tell me how everything is 100 % accurate if the date open, date last active and date last reported on these accounts are not reporting the same information, also Experian DID NOT send me ANY documents or paperwork showing these accounts are 100 % accurate and validated. 

Experian has violated multiple laws ( listed below ) 15 U.S.C. Code 1681, 15 U.S.C. Code 1681a & 15 U.S.C.Code 1681i I demand you delete these accounts from my credit report, I have listed below : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account XXXX : XXXX Delete these accounts immediately or you will be held responsible for {$1000.00} per violation. 

Send me an updated credit report with these accounts permanently deleted.

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 2015-08-12
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: MA
Product: Other financial service
Sub-product: Debt settlement
Issue: Excessive fees

Complaint:
I went into an agreement with Global Client Solutions to settle XXXX outstanding credit card debts however I did not realize that they would be only responsible for passing off the debt to a Law Firm while both companies would be collecting separate fees upfront. I expected to pay a fee for any service but ended up paying {$510.00} for an entire year before my XXXX settlement was reached and at which time I had to come up with {$1100.00} to enter the agreement with the creditor. They take the fees upfront before any settlement is reached which in turn makes a difficult situation even harder. They promised that they would settle the debt for XXXX % or less of the original amount however my XXXX settlement was actually XXXX % of the original amount which by then is equivalent to me paying the full amount only difference being I payed the other XXXX % in fees split between Global Client Services and XXXX XXXX XXXX. They did settle the XXXX of my XXXX cards for XXXX % of the original amount which is the only success story from this experience but they arrange things strategically so that they only do it at the end of month after they take their fees even though I wanted to settle earlier to avoid excessive fees. Its all set in their favor so they get as much fee from the client as possible. I was also charged Pay-By-Phone Fees by their partner company XXXX XXXX XXXX every time they arranged a settlement with the company representing my creditor. I was also charged a one time Non-Refundable Legal Deposit of {$500.00} the very first month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX bankruptcy Account # 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 7th Complaint 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. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.

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
Consumer complaint received 2022-11-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery acting on behalf of XXXX XXXX Bank repeatedly called me XXXX times within a XXXX XXXX hour window. Yes, I owe a debt to XXXX XXXX, but the account was NOT in a past due status. I attached XXXX call logs from my phone showing a number from XXXX and the times they called.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Adler Wallach & Associates, Inc.
State: CA
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:
The following account has just shown up on my XXXX credit report... AWA Collections XXXX not only is this account completely fraudulent and not mine, its also as of 3 days from now not even legally collectable here in the state of California XXXX This is the first I have even heard of this supposed debt four years later! That is unacceptable as all of my contact information is public and its very easy to get in touch if there is a legitimate debt. This account should be removed based on the California law alone, however it is also in violation of the following federal laws. 

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

15 U.S.C 1681 section 602 A ( 2 ) It also states a consumer reporting agency can not furnish an 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 ) ( XXXX ) 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. 

Again I never had the chance to speak with this collection agency or the original creditor to validate this supposed debt. This month is the first time it has shown on my credit report I know this because I check all three bureaus every week. This is a very unacceptable way of doing business and for that and the above violations this account should be deleted from my report immediately. Both the California and Federal laws are attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions 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:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUS DEPT ED 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 XXXXXXXX -XXXX  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 an 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: 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 contacted XXXX XXXX numerous times & have gotten unsuccessful results. This company is reporting inaccurate information on my credit report also. The balance is false that they claim I owe. A lot of information they're reporting is false. The account balance was dismissed during the pandemic for insurance reasons that the collection company refuse to disclose to me. They also told me that they couldn't give me any information because they no longer have the account. XXXX XXXX told me that the account was sold to a law firm in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX This number is non-reachable & I have no good contact for this company. XXXX XXXX is the ONLY collection listed on my credit report for this debt, NOT XXXX XXXX XXXX. This is illegal!!! This company is violating my consumer rights because they are reporting false information to the credit bureau on an account they claim they no longer have. Please DELETE this deceiving information/account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
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: Information belongs to someone else

Complaint:
I RECEIVED A COPY OF MY CREDIT REPORT AND I NOTICED ACCOUNTS WHICH IS NOT MINE. 
I BELIEVE, THAT SOMEONE USED MY PERSONAL INFORMATION, BECAUSE ONE OF CREDIT BUREAUS REPORTING WRONG DATE OF BIRTH, I WAS VICTIM OF IDENTITY THEFT, I HAVE NO CONTRACTS WITH MY SIGNATURE, I DON'T WANT TO BE RESPONSIBLE FOR SOMEONE'S DEBTS.

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: EQUIFAX, 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 contacted XXXX XXXX numerous times & have gotten unsuccessful results. This company is reporting inaccurate information on my credit report also. The balance is false that they claim I owe. A lot of information they're reporting is false. The account balance was dismissed during the pandemic for insurance reasons that the collection company refuse to disclose to me. They also told me that they couldn't give me any information because they no longer have the account. XXXX XXXX told me that the account was sold to a law firm in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX This number is non-reachable & I have no good contact for this company. XXXX XXXX is the ONLY collection listed on my credit report for this debt, NOT XXXX XXXX XXXX. This is illegal!!! This company is violating my consumer rights because they are reporting false information to the credit bureau on an account they claim they no longer have. Please DELETE this deceiving information/account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
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 RECEIVED A COPY OF MY CREDIT REPORT AND I NOTICED ACCOUNTS WHICH IS NOT MINE. 
I BELIEVE, THAT SOMEONE USED MY PERSONAL INFORMATION, BECAUSE ONE OF CREDIT BUREAUS REPORTING WRONG DATE OF BIRTH, I WAS VICTIM OF IDENTITY THEFT, I HAVE NO CONTRACTS WITH MY SIGNATURE, I DON'T WANT TO BE RESPONSIBLE FOR SOMEONE'S DEBTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacted XXXX XXXX numerous times & have gotten unsuccessful results. This company is reporting inaccurate information on my credit report also. The balance is false that they claim I owe. A lot of information they're reporting is false. The account balance was dismissed during the pandemic for insurance reasons that the collection company refuse to disclose to me. They also told me that they couldn't give me any information because they no longer have the account. XXXX XXXX told me that the account was sold to a law firm in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX This number is non-reachable & I have no good contact for this company. XXXX XXXX is the ONLY collection listed on my credit report for this debt, NOT XXXX XXXX XXXX. This is illegal!!! This company is violating my consumer rights because they are reporting false information to the credit bureau on an account they claim they no longer have. Please DELETE this deceiving information/account from 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 2022-06-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2022, I went through my file to get the code to lift the credit freeze with Experian. I did not find anything. I went online to learn how-to ; info was to create a free account. They asked for name, address, email, and probably a phone number ( from memory ), but then they ALSO asked for the entir

e S.S. number, instead of the last 4 digits. The purpose of the security freeze is to PROTECT the social security number and SURELY, they can identify me with everything else they asked for online or can ask me say, on the phone. ( My main bank only asks for the last 4. ) - Of course, it is impossible to reach them on the phone. Since most potential creditors want a report from all 3 businesses, please help me here. 
Thanks.

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: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2022 I received an alert that I could Not log in to my accounts with Chase. I went Into the bank and realized someone in a different state went into a branch and impersonated me by using a fake identity and opened a joint account. That fraudster transferred over 50k from my accounts and then proceeded to withdraw money from other branches. Chase is at fault to this. The fraudster took out XXXX from other branches and was not flagged. I received a check from chase addressed to the fraudster and myself for $ XXXX but not the rest of the XXXX that he withdrew. Chase is making me do all the leg work to get my own money back when it was their fault. I have Filed a police report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a XXXX XXXX card through Comenity Bank. Their system has been down for several days with no ability to communicate with anyone. No explanation is being given for the extended outage aside from generic responses. No answers given about making payments, unable to access my information to check for possible fraudulent purchases. No estimated time is being given for service restoration. Very concerned there was some sort of breach and it is being hid from customers. They are giving everyone until XX/XX/XXXX before late fees, which is only a few days away.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-12-05
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/XXXX  my husband proceeded to a local Santander Bank to pay the mortgage on our house. The mortgage is in my name and I have had it for over 20 years. The local brank advised my husband that he could not make a payment because he was not on the account. When I call the branch, the branch manager verified that this was a recently change due to fraud and advised that I could make the payment online therefore I would not need to come in at all. He took my information and I am awaiting a call. I proceeded to call the Corporate Customer Support Number and the young lady there confirmed this change and advised that I too am no longer able to make a payment because I do not have a checking or saving account with the bank. I never had any other accounts with this bank and this was not a stipulation when I opened the account. She advised I can make my payments by phone but there is an added fee or {$9.00} - {$11.00} depending on the method. I can setup direct deposits or mail in my payment. Now if I proceed to mail in my payment it would be no different then a local branch accepting my payment same payment form with no way to tell if it is fraudulent. 

I find it terrible that a bank would make such a change and not communicate that to there customers. I also find it ridiculous that any business would not accept a payment from a customer. I now have no idea how to proceed with making my payments as mailing checks is not very secure and I do not feel comfortable allowing them pull the money from my account. I so know that I will never again open an account with this bank of any type.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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