BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: Arivo Acceptance, LLC
State: GA
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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX -ARIVO ACCEPTANCE LLC XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXXXXXX Companies is unsure of it's own process of consumer rights as debtors. They Do Not follow Uniform Commercial Coding or Rules. This company has committed Corruption, Asset Misappropriation, Financial Statement fraud, Corporate Fraud, embezzlement, Forgery, wrongful abstraction, wrongful Conversion, Tax fraud.

15 U.S. Code 1605 - Determination of finance charge 12 U.S. Code 1431 - Powers and duties of banks 12 U.S. Code 1432 - Incorporation of banks ; corporate powers ; housing project loans 15 U.S. Code 1 - Trusts, etc., 42 U.S. Code 408 - Penalties 15 U.S.C. 1691 ( a ) 15 U.S.C. 1691a ( e ) 15 U.S.C. 1691 ( e ) 12 C.F.R. 202.2 ( l ) 15 USC 1605 ( a ) 15USC 1605 ( b ) 15 USC 1681a ( k ) ( 1 ) XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a continuation of Complaint ID XXXX. I have attempted numberous time to get the detail required to validate the debt from XXXX XXXX as XXXX XXXX. My last request was via email over a week ago and I have yet to receive a response. Since this is the second firm that has tried to collect this debt, I am skeptical that it is valid and that is the reason why the first firm that made the attempt passed it on. 

How are they allowed to put derogatory reports in my credit report when they have NOT complied with the requirements to substantiate the debt? 

I would appreciate your assistance in resolving this. 

Thank you XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Midland Credit Management has been taking a payment plan from me for over a year and then stopped but didn't notify me. They then contacted my employer after being told not to do that and after I was making payments. I then paid off this debt online last week and followed up with a call to confirm payment. Today, I can no longer log into my account and after they confirmed they received my payment, it has not been withdrawn from my account and it is not paid. They do not want this paid off clearly. I want to pay this debt and want it reported to the credit agencies. It's not this hard. I have the funds but they aren't taking my money! This company has been horrible to deal with and seems to run on tricks instead of help. How hard should it be to pay off a debt? Not this hard. I've spent hours trying to pay this off. There has been no payment confirmation or anything. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Upon inspection of my credit report, I noticed the following information is incorrect : My full name- There should be no other names listed on my report. Please remove all the other names you have listed as they are incorrect. 

My date of birth is reported incorrectly. 

My social security number is reported incorrectly. 

My current address is reported incorrectly - Any other addresses are undeliverable, and I have no access to them. Please remove these incorrect addresses immediately. 

You have an employer listed. This is not my employer, please remove from my report. 

I do not wish to have any telephone numbers on my report. 

Attached is the supporting documentation to validate my dispute. Please update your records promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 
I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 
I have also sent a letter to the creditor disputing the late payments, and demanding the immediate removal of the late payments from my account, as well as the production of documentation such as transactional history, billing statements, and any other documents that the law allows me to request from creditors regarding billing errors. The creditor has failed to respond to my request. 
Despite my efforts, the inaccurate late payments remain on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On the evening of XX/XX/XXXX, I posted my treadmill for sale on XXXX for {$100.00}. That evening, XXXX XXXX contacted me and said he wanted to buy it. In the conversation, he said he would pay me with Venmo. I told he three times that I wanted to do a cash transaction, but he said he was not convenient and needed to withdraw cash. He then asked me for my Venmo account to make a reservation. I gave he my account, and after a few minutes, he asked me if I had received the money. I said I hadn't received any money, so he told me to check my email inbox. 
He told me to call Venmo with he to get he {$100.00} back. ( The reason is that he is a business account and my account is a personal account, so the other party must transfer {$400.00} to my account. Only after I receive the other party 's {$400.00} can I return their {$100.00}. ) I simply wanted to help her get the money back, so I called the Venmo hotline on the email, XXXXThe customer service representative asked me to contact the buyer by text message and ask them to transfer {$400.00}. So I contacted the other party and told them what the customer service representative said. Then I received an email showing that I had received the other party 's {$400.00} : He asked me to click on it, and after I clicked on it, then I was deducted {$400.00}. 

The Venmo customer service representative was still on the phone with me, but I realized something was wrong. I asked the customer service representative why I hadn't received the other party 's {$400.00} yet? My money was deducted instead? At this time, I was asking my husband how this strange thing happened. My husband said I was being scammed and asked me to hang up the other party 's phone. 

As soon as we hung up the phone, we immediately contacted my bank, XXXX, and said that I had been scammed and wanted to cancel the {$400.00} transaction. XXXX did indeed stop the transaction immediately. But your company used the funds in my Venmo account to pay this scammer! 

I am very disappointed and sad. The Venmo company actually helped the fraud and did not investigate the matter. The world is in chaos and there is no truth! 
I just don't want anyone else to get scammed, so I'm telling my story.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: PA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : REMOVE UNAUTHORIZED INQUIRIES Dear Equifax, After recently reviewing my credit report, I noticed an unauthorized credit inquiry. I did NOT authorize the following inquiry listed below. This was not obtained with my consent and appear to be results of identity theft. Please delete immediately. 

XXXX XXXX Requested On XX/XX/XXXX Please remove these erroneous items IMMEDIATELY and send me an updated copy of my credit report. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$220.00} XXXX XXXX XXXX {$0.00} XXXX XXXX   XXXX {$680.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i am a victim of identity theft. the information below, which appears on my credit report, does not relate to any transaction that I have made. it is the result of identity theft. 
please block this inf from my credit report as soon as possible, pursuant to section 605b of the fair credit reporting act, and send the required notifications to all furnisher of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : APPLIED BANK, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: CA
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 was my 5th complaint to XXXX and Equifax informing them that I was a victim of identity theft, this was another request to block and remove the inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are are required to block and remove any items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this report in my previous letter & I am including it again. Also, the details you provided on these inquiries are UNKNOWN to me and was individually REMOVED from other bureaus and I have doubts about the accuracy of the data they are are showing in for each of these inquiries. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX. This is to notify them if they do not BLOCK AND REMOVE the listed inquiries on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Bureaus accountable for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Freedom Mortgage Company
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I upped the coverage on my property as my agent and I agreed that I was underinsured for replacement value. This took place XX/XX/XXXX with XXXX XXXX via XXXX messenger. The policy remained with the same company, XXXX. To my knowledge after accepting the binder, that was the end of it. Fast forward to Monday, when we reached out to farmers to file a claim for hail damage XX/XX/24. Between multiple calls to them we are informed that our policy was canceled due to nonpayment! Nowhere in the past 3 months was I EVER contacted by anyone in regards to this, mind you the difference in premium was XXXX dollars. XXXX claims to have sent request fkr payment 3 times. Freedom mortgage on calls today said they had no correspondence related to this. As it sits, I am told I am high and dry with a huge hail damage claim that XXXX is saying I am not covered on.

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 2023-08-10
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX and XX/XX/2023, my US Bank checking account had an array of fraudulent transactions occur, which essentially wiped out my checking account. The total amount of fraud was between {$35000.00} and {$40000.00}. There were XXXX ( XXXX ) XXXX XXXX withdrawals, each in the amount of {$3900.00}. Then, there were multiple " in person '' counter withdrawals across a variety of Ohio locations while I was in XXXX and nowhere near Ohio. Due to US Bank freezing, and ultimately locking the account, I can not access the account to provide ALL of the withdrawal dates and amounts, but the ones that I recall are here - {$4500.00}, {$4500.00}, {$8600.00}, and {$9000.00}. Given that these were withdrawn within US Bank storefronts, there should be video surveillance of the thief ( thieves ), as well as their signatures and other likely personally identifiable information. As soon as these fraudulent transactions were brought to my attention, I immediately filed individual claims with US Bank. Subsequent to that, I was told that I MUST return to North Carolina to reopen a new checking account, as well as RESUBMIT ALL fraud claims. With the assistance of the branch XXXX, XXXX XXXX, I opened new checking accounts, as well as refiled all of the fraudulent claims. As of today, XX/XX/2023, XXXX Bank has had NO PROACTIVE communication with me, nor have they processed the claims, nor refunded my funds. I have called, emailed, and called some more, reaching out to the XXXX, XXXX XXXX, as well as US Bank 's toll free numbers, but to no avail. XXXX Bank owes me those funds, as they are federally insured, as well as due to their lack of proper internal controls within the branch locations which allowed for these withdrawals to occur.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I wrote to Experian letting them know the information on my account is incorrect. 

Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Inaccurate Phone Number : XXXX Correct Phone Number : XXXX Lastly, I would like to inform you that my current employer is XXXX XXXX XXXX 

However the information still exists on my credit profile, making it difficult for me to clear backend screening for a job application.

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 2023-09-19
Company: Checkr, Inc
State: TX
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:
Unfortunately, I have been a victim of identity theft which has led to inaccuracies in my credit reports and driving records. 

I have sent checker important information that needs to get updated before I lose the opportunity to drive for XXXX. 

Until the DMV updates my files, I am allowed to use the Judges stamped court as a way prove my driving elegility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have notified Transunion that I have an inquiry from XXXX XXXX pulled in XX/XX/2019 on my credit report that I do not recognize. I have reached out to the company XXXX XXXX to figure out why or how my information was received. They have nothing in their data base. Transunion continues to tell me to get a letter of deletion. XXXX XXXX is stating they can not give me a letter of deletion with nothing in their database. I will not provide information to a company that doesn't have my information just for a letter to be generated. Please remove this from my 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 2023-09-18
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX is third party company which illegally reporting on my credit report I have not give written consent or agreed for XXXX to report to my credit XXXX hasnt vaildated the debt that they claim I owe also XXXX XXXX isnt the lien holder of my auto loan so they shouldnt even be reporting to my credit at all if XXXX XXXX needs to delete from credit report immediately attached will be proof by law only the original creditor can report to credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I recently consolidated my student loans which were effective XX/XX/XXXX. The consolidation went through XXXX/Department of education and is now listed as a new account on my credit reports showing a partial account of XXXX see below. This information is correct but all 3 credit bureaus are still showing the old student loan from XXXX with a partial account of XXXX opened on XXXX as still open which is now showing a double amount owed for my student loans. This is incorrect. 

The only loan on the student loans that should be showing open and current is the one that I am listing below. The one showing the same balance and opened in XXXX is incorrect and the credit bureaus are intentionally showing that account opened so that they double my debt to credit ratio which is illegal. The old XXXX account from XXXX should now report, closed, paid as agreed as it was paid off through consolidation. When it comes to Federal student Loans the bureaus are now in violation of a federal law for reporting two of the same account as opened and showing a double amount due of {$130000.00} and this is incorrect. 

This is the only student loan that should be showing up as open and paid on time as it was just consolidate on XX/XX/XXXX so the old student loan no longer exists. 

DEPT OF ED XXXX XXXXXXXX # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , NE XXXX Loan Type : STUDENT LOAN Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Balance : {$67000.00} Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX High Balance : {$67000.00} Pay Status : Current Account Terms : {$0.00} per month

Company response to consumer: Closed with explanation