BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim I owe. I have requested proof from them, full details in my attached files. 

I disputed the ALLEGED debt and refused to pay the ALLEGED debt, pursuant to Title 15 U.S. Code 1692c ( c ). I demanded that they ceased ALL further communication through ALL and ANY MEDIUM except for communication of remedies for I, XXXX XXXX, the consumer and natural person, via MAIL ONLY, per Title 15 U.S. Code 1692c ( c ). I invoked specific remedy as the original creditor, pursuant to Title 15 U.S. Code 1692c ( c ) ( 2 ), and demanded items listed in the attached files. 

I, XXXX XXXX, am submitting this without any influence from any 3rd party or agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX, I have been a victim of identity theft. A XXXX  XXXX XXXX account was created using my information. I contacted XXXX and they resolved this issue. I was told my social security number was used to create the account, which forced me to do a deep dive into my credit report. I requested an investigation with the credit bureau because I noticed an insurance collection on my account. I was unaware of this collection and asked them to validate this debt. I believe the credit bureau failed to properly validate this debt. I mailed a letter to this collection agency but I received no response. All three credit bureau 's are reporting different information. It is unfair that there are so many inconsistencies on my report. If this collection agency is unable to provide the original documents of this debt along with validating I owe them this debt I would like it removed from 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 2022-12-05
Company: EQUIFAX, INC.
State: MS
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:
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 explanation
Consumer complaint received 2020-11-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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 REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2022-11-14
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax is reporting my credit score is XXXX and the reason the source bankruptcy navigation something XXXX which doesn't make sense because I haven't had a bankruptcy for over XXXX years ago so that shouldn't even be on there due to the fact that 7 years after the bankruptcy is supposed to be wiped off my credit report so I would like credit human XXXX  direct to please fix my Equifax credit score to the proper score after taking and removing the bankruptcy that I don't have or haven't had.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: RI
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax / XXXX / XXXX has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I believe it was reported in error. 
XXXX XXXXXXXX Balance : {$160000.00} XXXX  XXXX Balance : {$1500.00} XXXXXXXX XXXX NA XXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i had an auto loan usaa for a XXXX  XXXXXXXX XXXX XXXX XXXX vehichle was stolen while i was out of town at a car show. shortly after the vehicle was stolen, covid hit in early XXXX so not only was i not able to work due to a national shut down for the pandemic, but the insurance company shut down as well, so they were unable to pay the balance of the loan in a timely manner. however, when they reopened, they paid off the balance of the loan but usaa had already put the account in collections and refused to changed it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE

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 2023-05-09
Company: HYUNDAI CAPITAL AMERICA
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I lost my job and I can't afford my car payment and I'm {$1800.00} behind and I try to get them to work with me or refinance and they said they couldn'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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 at around XXXX Eastern time, I have contacted TransUnion by telephone with phone numbers XXXX and XXXX to resolve unauthorized inquiries that was brought to my attention on my TransUnion report. I spoke to a TranUnion specialist and told him i want to report unauthorized inquiries that were not by me and to have them removed. The specialist asked me questions to verify my identity and provided him every form of information as he asked for verification. He begins to tell me that i need to reach out the creditors in question to document and prove to TransUnion that I did not authorize these inquiries. I responded to the specialist of TransUnion on why would TransUnion force me to contract with an unknown creditor that i have no business relationship with? I asked him if TransUnion would be accommodating to pay for my expenses on reaching out to the creditors for the inconvenience. He did not respond back. 

The TransUnion specialist forwarded me to a higher positioned employee by the name " XXXX ''. She then asked me questions to help verify my identity which I fulfilled. I explained to her my concerns and that I would need their help in providing me the source and proof of their policy or regulation that specifies and forces consumers to communicate with unknown creditors with no business relationship or contract with. She dishonored my request thereby acquiescing to the fact admitting that there is no policy or regulation with TransUnion which forces consumers to contract with unknown creditors that they do not have a business relationship with or a contract with. I named XXXX of the unknown creditors with their date of the unauthorized inquiry to XXXX the TransUnion specialist and she claims that there is no creditor with that information under the inquiry section of my profile. Please see attached screenshot with this complaint that reveals the unauthorized inquiries that are in question from my TransUnion credit report. 

I explained to XXXX that another credit reporting agency I contacted was able to process my disputes and reporting of unauthorized inquiries and removed them with no delay due to the fact that the creditors in question did indeed accept it as a fact that the inquiries were indeed unauthorized. I was not forced to contract with any unknown creditors by the other credit reporting agency.

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 2023-12-09
Company: Experian Information Solutions 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 would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; CXXXX 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 2023-12-08
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Starting XX/XX/2023, money was being taken out of my account due to a fraudulent scam that I was involved in. The scammer kept taking money out of my account on the belief that I was able to get my money back with some interest from an investment that they were doing. After about a month, {$11000.00} was taken out of my account with nothing in return. I messaged the scammers about returning my money, but because they were scammers, they never replied to my message about returning my stolen money. I later spoke to the Cash App department about my situation, but they were unable to help since the transactions had already gone through and they were not able to stop the pending transaction they told me that the only way to get my money back was to ask the recipient to send back the money. I explained to them that I was involved in a fraudulent scam but the Cash App department would not even try to help me and told me to contact my bank, which I did before calling Cash App. I also already had a police report made before contacting Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: DISCOVER BANK
State: AL
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:
Upon checking my credit report I notice a late payment that decreased my XXXX XXXX by XXXX plus points on XX/XX/2022. According to 15 USC 1666b " A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose '' Discover is in violation of the FCRA, and can not report late payments according to the fair credit reporting act. I demand that discover remove the late from my consumer credit report or I will move forward with legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
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:
Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of accounts in my consumer report. It has come to my attention that these accounts were reported without my written consent, which I believe is a direct violation of my rights under 15 USC 1681b. This section of the law specifically protects consumer information and mandates obtaining proper consent before reporting it.

I have already taken action by filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number : XXXX. Despite my efforts, I have encountered difficulties in resolving this matter. I have made multiple requests to the creditor for removal of these items, only to receive unsolicited documents that I did not request. My complaint is directed towards your credit reporting agencies, as it is your responsibility to ensure accurate and compliant reporting. 

According to 15 USC 1681c-2, consumer reporting agencies are required to promptly block the reporting of any information in a consumer 's file identified as stemming from alleged identity theft. Therefore, I kindly request that you adhere to this legal obligation and promptly remove the following accounts from my consumer report : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX I expect these accounts to be removed within the time frame specified by law, which is no later than XXXX business days after the date of your receipt of this letter. Your prompt attention to this matter is crucial in ensuring my consumer rights are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
Company: Opportunity Financial, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
OPPORTUNITY FINANCIAL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ( XXXX ) XXXX {$0.00} Highest Balance $ 1200 XXXX  payment {$0.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Term XXXX  months Payment History Last payment XXXX XXXX, XXXX Current Payment Status In XXXX Worst Payment Status No Info Account Details Account status Derogatory Type Unsecured loan Responsibility Individual Remarks Payment after XXXX XXXX XXXX profit and loss Consumer Complaint Paid through collections, and the debt is still reporting as collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to do an investigation against Portfolio Recovery Associates LLC, This company is harassing me these last three months. I am writing to do an investigation against Portfolio Recovery Associates LLC, This company is harassing me these last three months, I have been called more than 7 times to collect a XXXX  XXXX XXXX account # XXXX, that account does not appear in my register, my XXXX  XXXX XXXX accounts are from XX/XX/XXXXand all were paid by Insurance against economic losses and unemployment " Credit Protection Plus and Credit Protection Deluxe ''. XXXX  XXXX XXXX did not act in good faith. XXXX XXXX XXXX Account was paid for the insurance I had inside my card in case of unemployment or loss of income. The insurance paid the total money. The XXXX  XXXX XXXX sold it without telling me anything and, in case they have sold it to another company without information of the sale, this debt is illegal, if not, without having a legal document, there is no legal or original contract between them and me. They tried all phone calls of possible illegal methods at all hours and on weekends. I am requesting " validation '' ; That is a competent test that bears my signature, which shows that I have a contractual obligation to pay " Original documents and my signature. '' Federal Trade Commission ( FTC ), Fair Debt Collection Practices Act ( FDCPA ), 807, 15 U.S.C. 1692-1692p-1962e.  And this case was attended by you but with another company. The reference is " CFPB # XXXX '', they are my accounts with the XXXX XXXX XXXX. And this case was won in federal court # XXXX, the United States District Court for the XXXX District of California, and in the XXXX XXXX v. XXXX. XXXX XXXX XXXX XXXX Case No : XXXX, for the same reason against XXXX XXXX XXXX XXXX. For all these violations of the law and the continuous harassment of my person I am requesting the maximum of the monetary demand allowed in these cases, Portfolio Recovery Associates LLC, continues to violate all regulations and laws in a blatant manner without respect to anyone, I ask that Exercise the law in your total Power, by all points. 1. ) Defamation 2. ) Negligent authorization of identity fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including, among others, Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( which includes but is not limited to Section 623-b ) 5. ) Violated the Telephone Consumer Protection Act Litigation ( " TCPA '' ).

Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ph. # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
On XX/XX/2023 I went into the Wells Fargo Bank in XXXX WA, I requested a cash advance in the amount of {$5000.00} against my XXXX XXXX. I was informed it was declined by Wells Fargo and received no monies. I went home to call XXXX to inquiry why it was declined, XXXX had informed me that the cash advance had been processed and Wells Fargo had received the money. I went back to Wells Fargo, they claim they never received any monies, however my XXXX statement shows the {$5000.00} cash advance and the cash advance fee had been charged. I was assured by Wells Fargo it was given to their escalation team and that I would be contacted within 2 business days, I have received no call by escalation team and do not have my {$5000.00} it is my understanding the 48 hour contact is a requirement by law, I am being charged interest and fees for monies I have not received.

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 2022-10-01
Company: EQUIFAX, INC.
State: CA
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:
Every year that I request my info, I get denied because they " can't verify your identity '' and only after I file a complaint do I magically receive my info in the mail. If all the major credit reporting agencies can not verify my information, they should not be reporting anything about me. If they can not verify my info then factually they must be giving incorrect and fraudulent information to lending and creditor entities about me. 

This should be illegal to provide false information as fact when I have no say in how corporations take this data received from the credit bureaus. Also, how can I prove my identity if my identity is not enough? Everything they are doing is wrong, and it hurts me because now I don't have access to the information companies are scrutinizing about me.

Company response to consumer: Closed with explanation