BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: FL
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:
in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.

15 u.s.c 1681 section 602 A.states i have the to privacy.

15 u.s.c 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$680.00} written off. {$680.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$680.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$500.00} Highest balance {$680.00} Terms - On record until XXXX XXXX Account info Account name XXXXXXXX XXXX Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$170.00} written off. {$170.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$170.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$500.00} Highest balance {$590.00} Terms - On record until XX/XX/XXXX Account info Account name XXXXXXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$140.00} written off. {$380.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$380.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$440.00} Terms - On record until XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$900.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$900.00} Highest balance {$900.00} Terms 1 Months On record until XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Date opened XX/XX/XXXX Status Collection account. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$6200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$6200.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$900.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$900.00} Highest balance {$900.00} Terms 1 Months On record until XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: Freeway Funding, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
this company told me they were getting car out of impound and that they did get the vehicle and two weeks later they said they didn't and the car was sold and they are charging me extra fees and damaging my credit report and the information is false.

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 2023-12-06
Company: P&B Capital Group, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Theres a huge mistake in my credit report with the company P & B CAPITAL GROUP LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, who obtained a supoused debt from XXXX XXXX ( Retail ), i disputed this with XXXX because as you can see in my credit report i pay all my bills in time, have never been late with anything, i take good care of my credit so i started digging and seems to be a furniture store that deliver some things to my old address. Im not sure what is going on but i can assure this debit is not mine.and it needs. the company needs to investigate this further and see who is responsible from that debt because is showing in my report with a lawyer and collection agency and like i said before i have never missed a payment and my credit history shows it. i just finished paying off a vehicle that i had years left to pay but i dont like to have debts so i paid it off. please investigate this matter and correct this as possible. 
because the credit agency that is reporting this only says the company says is a valid debt. It is not mine or valid from me please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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 am a victim of identity theft I am a victim of XXXX data breach i've added some documents of some of the damages being in identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023 I added XXXX XXXX XXXX XXXX to my Chase account for the propose of transferring money from XXXX to Chase. Both accounts on my name. I received email confirmation that account was added and available for transfers. I submitted a {$9000.00} transfer, initiated by Chase, from XXXX to Chase. Shortly after I submitted the transfer I received a call from Chase Fraud prevention, the lady on the phone verified my information, and then advised that transfer was rejected, on my question by which bank and for what reason she was not able to provide any information not how to obtain such information, I requested to speak to the supervisor. Account Supervisor XXXX advised me that transfer was rejected due to Chase was not able to verify my information with XXXX, when I asked if they contacted my XXXX bank, he said yes, however XXXX refused to provide information by which means Chase contacted XXXX ( there should be at least XXXX means/ways for the bank contacts in order to verify information ), XXXX also advised me not to submit such transfer again as it will get rejected. Upon request of an official letter from the bank that transfer was rejected and the reason why, I was advised by XXXX that they do not provide such letters. Chase has restricted the usage of my account by rejecting the transfer and refused to provide any official documentation on such action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: OH
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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: United Collection Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company continues to call me from different numbers coming from Maryland. They several times a day and sometimes leave messages sometimes they do not. They have not even given me time to respond to the written letter that they sent me. I am paying this debt elsewhere. They are calling from several different numbers for a total of 12 time in 8 days I say that " pretty aggressive. 

XXXX XX/XX/XXXX 2 times XX/XX/XXXX XXXX time XXXX XX/XX/XXXX XXXX time XXXX XXXX time XXXX XX/XX/XXXX XXXX time XXXX XXXX time XXXX XX/XX/XXXX XXXX time XX/XX/XXXX XXXX time XX/XX/XXXX XXXX time XXXX XX/XX/XXXX XXXX time XXXX/XXXX XXXX time

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 recently checked my credit report and saw in the collection that I am not aware of. This collection is fraudulently reporting on my account and it's completely inaccurate. Whatever this is agency is in violation of 15 U.S.C. 1692g. I do not validate this debt. Also, according to 15 USC 1681, my credit report should be 100 % accurate. The XXXX XXXX XXXX XXXX does not have the account number, which is a violation and it is inaccurate.

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 2023-08-13
Company: EQUIFAX, INC.
State: DC
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: Problem getting your free annual credit report

Complaint:
I am a paid subscriber to XXXX. For the last month, XXXX has been repeatedly notifying me that someone is trying to take a payday loan out in my name. I called them after the first time they sent me something and they advised I use their payday loan lock and freeze my credit. They couldnt tell me where the loan application came in from which I found to be weird because they keep sending me alerts! Additionally, they told me that I should request my consumer file from DataX in 8 weeks to check for fraudulent activity. It hasnt been 8 weeks since we had that conversation or the first payday loan scam alert so I have not requested it yet. I froze my credit from the big three and set up fraud alerts through the credit reporting agencies. I also froze my XXXX XXXX account. I also filed a report with XXXX. 

Fast forward to now and I am still receiving sporadic alerts from XXXX that someone is using my financial information to try to take out a payday loan. Without the DataX info, its unclear if theyve been successful and nothing has appeared on my credit reports, which I check religiously. 

So, my issue is twofold : One, I think XXXX is providing a misleading service saying they can stop payday loans from being taken out in your name if they cant even tell me which company is making the background request or how exactly theyre able to prevent the loan from being taken out. 

Two, I think it is patently absurd that in 2023, DataX requires me to snail mail a copy of my ID in addition to my social security information for me to receive my consumer file to verify whether my ID has been stolen. That seems to run counter to the vision of the Fair Credit Reporting Act because its an onerous request. Especially when DataX is supposedly an Equifax company and should be resourced enough to have a better consumer-facing product! It feels intentional. Also their website offers the ability to freeze your DataX file but no explanation as to how to unfreeze it. 

An aside - I love the CFPB and all you do to protect consumers!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Avant Holding Company, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am submitting this complaint without any influence from any third party or agency. Please see the attached documents as it contains my requests/demands on the conditional acceptance letter, complaints on Affidavit of truth, Affidavit of mailing, Avant 's letter, and proof of delivery of all items via XXXX tracking XXXX I participated in a consumer credit transaction, using my credit card ( social security card ) to extend credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: MA
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 was notified of a delinquent balance with XXXX credit ( account ending in XXXX  ), via a routine credit notification service the night of XX/XX/XXXX. Prior to this check, I maintained a perfect credit score for over 15 years. I called the day of XX/XX/XXXX, to rectify the balance and request that the delinquent report be removed. I spoke with ( person ) in banking who transferred me to ( person, # ) in collections. 

I was then informed that the above mentioned credit card that had been on autopay since the account was opened in XXXX, was not on autopay. I was not notified via email or phone of the delinquency. When I inquired, I was told that the documents were listed under new document in the online account, but no email or other notification indicating that any account with XXXX was delinquent was sent. When I asked why I was not called about this, the representative said XXXX calls people all the time. When I asked about [ removing the charge as a courtesy ), as I had banked with them since XXXX with no previous delinquencies or issues, they said that it was not their department and that I would have to fill out the form on the website for credit disputes. When I pulled up the page, it said that XXXX policy dictates that they will not remove accurate information from credit reports. regardless of dispute. When I read this to the debt collector on the phone, she reiterated that she wanted to make sure payment was collected so no further delinquencies would be reported. I did make the payment in full. They said that an investigation would be completed if I were to submit a credit dispute to XXXX XXXX, but in the interim, my credit score dropped almost XXXX points. Furthermore, following the phone call, I immediately tried to submit the form on XXXX, but each attempt to submit resulted in an error message on their website ( INSERT ERROR LANGUAGE ). 

My credit score has dropped substantially due to no fault of my own. This has ramifications for rentals, job applications, and basic security. When I was made aware of the balance, I paid it in full, as I always do, including all fees assessed with the previously unknown delinquency. 

The Consumer Financial Protection Bureau has listed canceling autopayments without sufficient notice in their Summer XXXX Supervisory Highlights under section 2.2.2. 

The supervisory highlights publication describes this action as institutions engaged in unfair, deceptive, or abusive acts or practices ( UDAAPs ) prohibited by the Consumer Financial Protection Act of 2010 ( CFPA ). 

Supervisory Highlights. ( XXXX, XX/XX/XXXX ). Consumer Financial Protection Bureau. Section 2.2.2 https : //www.consumerfinance.gov/compliance/supervisory-highlights/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Caliber Home Loans, 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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My ex-boyfriend is operating a scam call center. He stole my identity and the identities of my family members to create a money mule network. I encrypted my emails with XXXX XXXX XXXX XXXX, temporarily turned off my cellphone, and bought a safety deposit box to store my cellphone for law enforcement to review my phone and apps for signs of hacking and secret bank accounts. He has been calling me from random numbers at his scam call center to report that I owe him money via scam companies like XXXX. 

My mother was called on XXXX at XXXX PM from XXXX, XXXX at XXXX AM, XXXX at XXXX AM, and at XXXX by an XXXX from " XXXX '' with confirmation number XXXX. XXXX stated that I owe a debt and did not say what it is for. My ex-boyfriend thinks I am stealing money from him by protecting my identity so I can't be used as a money mule. I would really appreciate being contacted by the CFPB because this issue is impacting my extended family and they don't understand that they have been unwitting money mules for 17 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: Navient Solutions, LLC.
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:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 375 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Genesis FS Card Services, Inc.
State: TX
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 am writing to dispute the following information that appears on my credit report on XX/XX/. 

Inquiry from XXXX on XX/XX/XXXX  XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX There are multiple inquires all within a days of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately Inquiry from XXXX XXXX  XXXX on XX/XX/XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. 

There are multiple inquiries all within days of each other on my credit report, but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from FEB/DESTINY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Please delete or correct the disputed information as soon as possible. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a settlement of $ XXXX and went to US Bank to open an account with them, I deposited $ XXXX into the account and when I was opening this account I clarified with the banker that if it was okay for me to use a different address from whats on my ID. ( I felt unsafe having any of this mail being sent to the address on my ID ), He said it was fine and used the given address, the problem that came is that I waited for the card and when I tried to pay my bills it was declining, I was denied withdrawals and when I called they said it was a fraud block on my account for address verification. I told this to XXXX different facilities and each one has said that this is unusual since this usually comes up with people who move out of state. Both addresses were in the state I reside in. 

I have submitted documentation to the bank ( gov issued ID which is XXXX of the accepted items and my credit card statement ) and waited the allotted time and theyve denied me access to my funds. I can not afford to feed myself, I can not pay my bills, and on the verge of being evicted due to the fact that this man ( the worker who set my account up ) said it would be fine and the bank not trying to give me access to my accounts. I dont trust them now to even send me a check of my money due to how theyve handled this so far so I have tried to verify again but I am running out of time, I am who I say I am why are they trying to hold my money from me? I have been dealing with this and having no access to my money going on XXXX weeks.

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