BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-14
Company: Experian Information Solutions Inc.
State: AZ
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 SECOND complaint. Experian is violating my rights as a federally protected consumer under 15 USC chapter 41. There are 2 hard inquiries on my credit report that I did not give consent to be furnished. I sent an Affidavit of Truth to Experian on XXXX/2021 ( attached ). Experian responded stating I gave them limited amount of information and that they were not honoring my request. It also stated on page 2 that the response was in reference to hard inquiries on my credit report ( both attached below ). My Affidavit of Truth and exhibit of proof clearly showed that the Affidavit of Truth was in reference to the hard inquiries shown on my credit report and that I wanted them removed. They were highlighted in yellow. Experian was also never given my written consent to furnish any of those on my credit report, violating 15 USC 1681b ( a ) ( 2 ). I gave them everything they needed to take the inquiries off. 

I filed a complaint via the CFPB on XXXX XXXX in regards to Experian 's lack of compliance to my Affidavit of Truth. They responded stating, " These inquiries display on your credit report when it is accessed by others with permissible purpose ''. I never gave Experian written consent to display any hard inquiries on 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 2023-09-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 non-monetary relief
Consumer complaint received 2016-09-05
Company: Accelerated Receivables Management, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX Attorney at Law has been making attempts via phone and mail to collect a debt for XXXX XXXX XXXX in the amount or {$2000.00}. In researching this laboratory I discovered this laboratory is in bankruptcy proceedings and several collection agency 's are attempting to collect for debts that are without merit and unverifiable. I feel as though my husband and I have become a target of these predatory tactics and I wish for this to stop. I do not owe any laboratory any amount.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-14
Company: Relin, Goldstein & Crane, LLP
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an complaint regarding a disputed debt on my credit report. After the account was unable to be verified it was removed from my credit report. The company XXXX XXXX then filed a complaint suing me for this account. I received a copied contract with an electrotonic signature as verification from their lawyer firm Relin , Goldstein & Crane LLP. This very same contract was sent to my father claiming him to owe the same debt with the same electronic signature. I advised the lawyer firm of this inaccuracy to then receive papers in the mail for a judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been up to the actual XXXX store MULTIPLE times as well as called in and have RECORDED conversations where they told me I owed nothing and would get a refund now its on my credit report. This is illegal and I want it removed immediately or Ill get an attorney involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: Bureau of Accounts Control
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Medical billing service XXXX or laboratory entered wrong insurance identification number on insurance claim form when submitting claim. Insurer denied the claim and informed me I was not liable for amount ( {$500.00} ). Billing service waited too long to file an appeal and began sending me notices. I contacted billing service and explained situation. Also, arranged conference call with insurance company and billing service. Insurer informed billing service I was not responsible. Billing service turned debt over to collection agency. In XXXX 2015, collection agency reported debt to credit report companies XXXX, XXXX and XXXX without stating that debt was disputed and without contacting or informing me. I sent collection agency letters and proof from insurer that I was not liable.Collection agency stopped billing me. I just found out that the debt appears on my credit report and has affected my credit.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX  XXXX XXXX Account # : XXXX Balance reported {$23000.00} I sent this creditor a certified, debt validation letter on XX/XX/2021 written thoroughly specially asking for proof of documentation of what I owed. I received a letter back from them dated XXXX stating that they were unable to substantiate the allegations of my dispute and provided me with zero documentation. The original lender is Nissan Motor Acceptance and when I contacted them via phone to ask why I had a collection charge off if my Gap insurance had paid this collection off they said, " I can see it in our systems that a payment was made but because the collection is now with XXXX, we can't provide you with any proof because your account no longer exists with Nissan and so you must contact XXXX directly. " Prior to mailing XXXX a letter on XX/XX/2021, I called XXXX directly and asked for documentation supporting the balance they were attempting to collect on and was told by their representative and Manager that they didn't have any documentation and that I would need to contact Nissan directly. I have since sent out a dispute letter to all 3 credit bureaus explaining that not only did this account need to be deleted for not being valid but also needed to be deleted because there were MUTLIPLE inaccurate information being reported from all 3 credit bureaus which are grounds to delete account from my credit report regardless of validity due to inaccurate reporting. I have already started a separate dispute dated XXXX with Nissan  and all 3 credit bureaus to also delete the charged off original lender Nissan account # XXXX off my credit report for inaccurate reporting and XXXX has since been the only credit bureau to delete this account. I am mailing a 2nd dispute on XXXX to attempt to have it deleted from XXXX and XXXX too. 

If the original creditor is beginning to delete the original debt that was wrongfully added to my credit, how can XXXX be allowed to report or attempt to collect on such a large and inaccurate amount? It's hurting my credit and needs to be deleted immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-26
Company: THE VALLE LAW FIRM, P.A.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a pay arraignment for a debt that went to the Valle law firm. My first issue with this firm was the bill was incorrect and first they billed me for over {$200000.00} which the bill was only {$260.00}. When I called to take care of this debt they informed me it was a billing era and the account number was used for the amount balance. My second issue was after I already made payment arraignments with XXXX XXXX account manager I was still recieving collection phone calls. Not only did I receive calls but they called my parents and asked if they knew me or knew where I was. Again this is after I have already made a few payments and just a day before my last payment was about to be withdrawn from my bank account. When I contacted the law firm about the phone calls they told me " oh it was a mistake ''. A mistake how do you make phone calls to someone parents asking if they know where I am as if I 'm in some kind of legal trouble. The level of unprofessional behavior and disorganization of this firm is unbelievable. I was completely embarrassed by their phone calls especially after I was always willing to pay my debt.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-15
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
It took 4 years to get an accurate total of the loan when I did I had been reported as delinquent even though I had been paying the loan. It reported as default when it was differed. I never stopped paying. When I did pay it off in 2016 it still to this day shows negatively on my credit report I was told it would drop off It never did. I can't have a good credit score or get any credit. Any time I dispute it it changes the date and looks like it's an defaulted loan I have had for 12 years. I have asked for help and have received none. I can't buy a house or car without high I ntrest rates.im am struggling..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: FL
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), Please investigate the unverifiable items and remove them immediately in my report : 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 non-monetary relief
Consumer complaint received 2022-01-15
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have been getting multiple calls from multiple different numbers even after blocking some. 
On XX/XX/22 while I was at work I got another call and decided to answer it thinking it was a rental property from one of the properties I wanted to view. Instead it was someone from midland credit management I was planning on telling them to stop calling and hanging up, but they mentioned that I would be facing a lawsuit if I had not paid my debt to a XXXX XXXX credit card I had awhile ago. I told the guy I would start paying my credit cards as soon as I get back on my feet but told me they needed some sort of payment agreement so I can get the lawsuit off of me for. So I had agreed to pay {$50.00} every two weeks he sent me an email stating it had me consent to it while he was on the phone and set up my account. I mentioned I would make the payment when I got home cause I was at work but he insisted that I needed to make a payment so the creditors can see I will be making payments and not file a lawsuit on me. So I made a payment of {$50.00} while he was still on the phone so I can get them to back off from me for a bit. Since I didn't choose recurring payments he said the agreement would not be proceeded since and I'll still be hearing from soemone. To change that I had to allow him by consenting through a voice operation touch pad so he can make the change to recurring payments, pretty much meaning I had to do a electronic signature over the phone by pressing any key on my dial pad. Finally after all that he was done I believed I was actully facing a lawsuit come to find out from my fianc that they aren't allowed to threaten someone with something like that especially him being so insistent on getting the account and payment done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have a PayPal Account that has been permanently Limited, I have my bank card for another business along with a personal checking account linked. Upon the freeze I have no access to my accounts, I have tried to talk to PayPal and all I get is that my funds can not be touched for 180 days and none of my accounts can be removed. I do not even have the ability to email Paypal I have no authorization for that service. 
I have only {$220.00} being held, however I do not wish to leave my husbands bank card linked to the account. 

When I did speak with someone I was told that the bot or the computer was how my account was limited and once that occurs there is no reversal. I was told to read the " USE POLICY '' of which I have and there is nothing in there I have done. The only thing that I have used my account for was to take payments of between {$12.00} and maybe {$50.00} for webpage design and make purchases of software and other merchandise. 

I need to know what you can do for me? I need to get this resolved as soon as possible. 

Thank you. 

XXXX XXXX XXXX or email at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I contacted the credit bureau after I made the complaint through XXXX and they refuse to give me my credit report that refusing me my credit score they told me I needed to send in all sorts of forms of identification approve I was me before they would even give me my score or my report but other people are able to access it constantly and utilize it apparently

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 2023-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
To whom it may concern, My name is XXXX XXXX and I would like to file a complaint against Bank of America. My social security number has been compromised on the dark web. I am not a customer of Bank of America and do not have an open account with BofA. 

I have received multiple emails that BofA checking accounts have fraudulently been open in my name. I have called BofA to notify them that I did not open an online account. The only way I was aware of an open account is that the attacker/fraudster had used my valid email address to open the account. 

I asked the BofA are there any policies in place to put a stop/hold on my social security number at their institution to make sure that this does not happen again and they responded that there are not. I am materially inconvenienced when I have to continue to call them every time a fraudulent account is opened in my name. Please help prevent this from happening to myself and other civilians.

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 2022-09-29
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:
XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$4000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$4000.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. TRANSUNION : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$4000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion has not shown proof that this account is mines. Credit XXXX has failed to show this account is mines. I did not authorize or open an account with XXXX Bank. This account is a violation of XXXX us XXXX false and misleading representations for my credit report. This account is damaging my credit worthiness.

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 2023-09-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 non-monetary relief
Consumer complaint received 2022-01-14
Company: ENOVA INTERNATIONAL, INC.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Wanting to pay my line of credit in full. However, I need to update my banking information for that pay off. I can't update banking information online. I have spent the entire day trying to reach someone at NetCredit. Their phone system has disconnected me 5 different times after waiting online for 15 minutes. I finally got through and ended up sitting on an open line for 45 minutes. I could hear the agent singing and talking and it sounded like she just answered the line and then set it down. She was not on other calls because nothing she was saying sounded like business. While on the 45 minute open call I decided to call from another line and have now been sitting on that call for 40 minutes, no music nothing just the occasional static. 

Seems to me that NetCredit would like it near impossible to pay this line of credit off so that an individual doesn't have to continue to incur outrageous fees. My pay off is going up hundreds of dollars everyday I don't get it paid off. 

I did also send an email, but the auto response said it could be several days and suggested I call.

Company response to consumer: Closed with explanation