BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved to another state and dont live in XXXX XXXX anymore and I am being charged for debt that I did not create. Someone is opening up Accounts in 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 2023-02-01
Company: EQUIFAX, INC.
State: PA
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 recently received a copy of all three of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: AZ
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 have sent in all documents from letters, cease, and assist letters. They are violating the fair credit play neck, and the consumer protection act. Section 611 & 601

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 2023-08-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received numerous calls and letters from Portfolio Recovery Associates. This is even after I demanded a cease and desist. I also found out by my credit report that they obtained a copy of my report via an inquiry on XX/XX/2022. I did not authorize this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company several times through certified mail asking for valid proof of ownership of account with a signed contract with this company. This company has failed to send the contract but statements, which is not the same yet has not removed from 2 of my credit reports ( XXXX and XXXX ). Pursuant to 18 USC 8, I owe no debt, THis company is violating my consumer right to privacy pursuant to 15 USC 1682 1b. This company has no permission to report ANYTHING using my information pursuant to 15 USC 1681.4.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: CL Holdings LLC
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX Original creditor : XXXX XXXX Account : XXXX, Balance : {$560.00} Date Opened : XX/XX/XXXX Status : Collection account. {$560.00} past due as of XX/XX/XXXX. 

This account was closed by creditor almost 10 years ago. Jefferson Capital Syst only tells me that debt is valid. They never provided and do no provide the original contract. They keep reporting it as a new collection account and I feel this is a fraudulent practice. 
They refuse to validate the debt, they refuse to remove it from my credit report and this is affecting my families livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the fair Credit Reporting act XXXX XXXX # XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 

as Violated my Rights. 

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

15 U.S.C 1681 section 604 A section 2 : it also states a Consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: Experian Information Solutions 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

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 2023-08-15
Company: Maximus Education, LLC dba Aidvantage
State: AL
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 submitted disputes for student loan accounts that are reported on my credit report, but were discharged due to fraud by the school. The student loans are federal student loans that were discharged. All of these disputes went over the 30 days from time of receipt and I can also provide a screen shot of delivery from XXXX of when the letters were delivered. I am also including aidvantage in this due to the information not being removed from my credit report per documentation from them and also from studentaid.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2021-06-02
Company: CARD Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I opened a prepaid account with XXXX XXXX they will not release funds on the card because it was from my boyfriend 's unemployment check. I have had paperwork noterized sent mail with updated address everything they asked. Mean while they are taking out monthly fees they charge while my account is frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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:
I have a Bankruptcy report on my credit report. I don't have any idea about the Bankruptcy report. That report DOES NOT belong to me. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report 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 2023-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/23 I try to submit an application for the Capital One Business Spark card. Capital One will not let me submit my application because my EIN ends in XXXX. Their system says the number cant be correct although it is. They have told me there is nothing than can do both over the phone and at the branch in person. This is not allowed under equal credit opportunities act. They are denying my right to apply based on my EIN number having XXXX at the end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: EQUIFAX, INC.
State: CA
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:
I was denied a mortgage loan today ( XX/XX/XXXX ) from several banks. I found out from one of the bank that it was due to credit scores that it had obtained, more specifically from XXXX because it was the middle score among the 3 scores : XXXX from XXXX, XXXX from XXXX, XXXX from Equifax. The score range was XXXX to XXXX. 

The credit scores I obtained from the websites of the 3 credit reporting agencies, just hours before applying for the mortgage loan and before the bank " pulling '' my credit, were XXXX from XXXX ( XXXX according to the bank ), XXXX from XXXX ( XXXX according to the bank ), XXXX from Equifax XXXX XXXX according to the bank ). The XXXX, on their website, displayed XX/XX/XXXX credit score whereas others indicated their score were as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have submitted documents twice and no update to balance

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 2023-08-15
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent {$2000.00} to my parent on XX/XX/XXXX through Money Gram, and the money keep on showing " On the way '' through the apps, after a few business days, I call their customer service XXXX and find out what the updates, I were told that the money is being held due to possibly fraud, which is understandable and appreciate the extra step they did. so I confirmed with the reps say the money transfer is not a fraud and it is for my parents, so he said he has cleared the hold and the fund should be available momentarily. 

On XXXX, the money is still showing " On the way '', I call the customer service again, and the reps said they cleared the hold but it was the other bank in XXXX not accepting the funds, and they are opening the investigation case and find out. 

On XXXX, I told my parent to check with their local bank, and their bank respond say they did not block any incoming fund and there is no notification on their end there is such transaction coming in from Money Gram On XXXX, I reach out to money gram through email again with the updates I received, Their respond is to ask me wait for 10 business day. 

On XX/XX/XXXX, they respond to me say they are requesting refund now through the XXXXXXXX XXXX, and it was them who rejected the fund. which is not true because the other bank already informed us, they did not receive any transaction through Money Gram Now, my parent and I have been waiting for 2 weeks now for this money to get transfer, and there is no update and little to no helps from money gram. They need this money by end of XXXX, It is for their living cost, and they are XXXX  people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: JPMORGAN CHASE & CO.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Complaint and XXXX  to JP Morgan Chase re their payment for home insurance policy in XX/XX/2022 XXXX JP Morgan Chase must explain under which authority they made payment of my home insurance in XX/XX/2022 if JP Morgan is not a mortgagee. 

JPMorgan must provide XXXX the name and contact information of of a responsible individual who made this payment ; and the name and contact information of a responsible individual who authorized JP Morgan to make this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: TRANSWORLD SYSTEMS INC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have student loans with University Accounting Services LLC. I have never made a late payment and had a lot of issues with them overcharging me these past few months. I just got those resolved and now on me and my mom 's XXXX who is a cosigner ) credit reports on XXXX it says there are 14 missed payments and our credit scores have gone down signficantly. 

My disputed the report which XXXX  denied on XX/XX/XXXX. She also called and emailed on XX/XX/XXXX UAS LLC which provided no response to the email in the past month after saying the issue was being escalated and were extremely rude and not helpful on the phone. 
I have disputed on my report now with XXXX but it is unclear whether the problem is with XXXX or UAS both of which have been unhelpful. I have many many issues with UAS actually taking action to correct their errors in the past and need it to be resolved soon so our credit scores can go back to normal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
dear cfpb, i just got a response from Experian stating that Account from XXXX is accurate ... .i will attach my credit report and you tell me if its accurate or not?!? this is really annoying how they cant recognize the issue .... attached is their response and my credit report which i highlighted the errors between the 2 bureaus.. I DONT THINK THEY UNDERSTAND WHAT ACCURATE MEANS!! 
well you guys are violating my rights you need to stop or i will sue ... what kind of company are you guys running here!! a XXXX XXXX XXXX can see the inaccuracies! 

XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 


SIMPLE TO UNDERSTAND I DONT WHY YOU GUYS CAN'T!!

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 2023-10-09
Company: Experian Information Solutions Inc.
State: TX
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 checked again my credit report and found that some of the data were still incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 2022-05-20
Company: Experian Information Solutions Inc.
State: CO
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The 3 Bureaus Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : 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 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 2019-07-09
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I was given XXXX orders overseas and I was 2 car payments behind due to some medical bills. I did inform the finance company ( South East Toyota Finance ) why i was two payments behind but They understood and gave me time to try to catch up. I was then given XXXX orders and I used the SCRA to try to return the vehicle two weeks before I left in XXXX of 2019. I called the finance company and they said fax them the letter. I faxed them the letter. I called back the next day and they told me the letter needs to state where I was being XXXX too. Which we trained to not talk about movement in the military. Next I got the letter change by my administration office. They accepted the letter the day I left on XXXX so my wife was give a power of attorney to return the vehicle. Upon return she was given a piece of paper of them accepting the return. Currently XXXX I look at my credit report and it shows a repossession of the vehicle. From my understanding a repossession takes a court order with an active duty military member. Im no lawyer though. I was given a very difficult time through the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
After learning that some of my personal data was being utilized without my consent when I searched for my name online, I filed a complaint. My information was obtained by an aggregation website, which instructed me to first read the website 's FAQ section before getting in touch with roughly nine other websites to have my information removed. The fact that I had to ask to have my items taken made me feel ashamed in addition to feeling invaded because I respect my privacy. I want the bogus accounts that were added without my permission to be erased from my report. From my credit report, delete all fraudulent and negative accounts. My capacity to get credit has suffered because of this. All I can, I'm doing it.

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