BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-10
Company: Consumer Portfolio Services, Inc.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get calls from the auto company Consumer Portfolio Services about my auto loan and when asked about the loan its always the same your this many months or days behind. Ive asked why is it Ive had this vehicle 3years and the payments are still the same as when I financed the car. Two years ago Ive asked them. To apply the payments to the loan amount they told me if I want that to happen that I can double my payments.and I can see decrease.They call me everyday sometimes twice a day, e-mail on top of the letters they mail out weekly. Ive informed them about it. I know Im behind they dont have to threaten me everyday. They tell me they can help me with my payment just to turn around and threaten to do a repo on me but I can stop it if I pay whatever amount they come up with, when I pay something they still then turn around and say they gon na repo me again after I pay or make arrangements. I dont need the harassment. I can not get the proper amount I owe on the vehicle. its the same as when I first financed the vehicle three years go ( {$12000.00} ) Three years later Its still the same .They are reporting it on my credit report incorrectly as well.But all these different people calling leaving voicemails messages, emails and texts messages and they all telling me something different is confusing. They are dropping my credit score by doing repeated inquiries on me which is making my credit score drops down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
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: Investigation took more than 30 days

Complaint:
its on the ftc attached the ftc violations and names XXXX  and 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 2022-10-30
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, the inquiries below are fraudulent and do not belong to me and I did not authorize them. Please have them removed ASAP. 


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 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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a letter to the credit bureaus ( Transunion, XXXX and XXXX ) on XX/XX/2022 and they received each letter on XX/XX/2022 to remove incorrect addresses, phone numbers and past employers. I also sent a copy of my social security card, ID and proof of address which was on my ID and an Electric bill showing my address. It's been over 30 days and the incorrect information is still on my credit report. 

according to 15 U.S. code 1681i- procedure in case of disputed accuracy, the bureau failed to complete a proper investigation of my personal information and violated the FCRA 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 2023-08-07
Company: Blackhawk Network Holdings Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XXXX, spoke with XXXX, a supervisor with the customer service support team ( part of cardholder services assitance team ) re : my concerns over BHN disallowing debit cards from being able to be used via pin-based transactions in common retailers. Received request for callback within 24-48 hours.

Callback received ~120 hours later on XXXX. XXXX reviewed activity of 2x cards ( note : I currently have several hundred such cards in my possesion ). XXXX explained that the cards are active, but are currently disallowed from being used at my selected vendor for " security reasons '', which could not be disclosed. He explained that the vendor, a local grocery store which I attempted a transaction, has been temporarily suspended from all card transactions with BHN. XXXX 's solution was for me to use the card at a different vendor. 

I explained to XXXX that this was unacceptable, as I would like to use the card at the vendor of my chosing. I further explained to XXXX that my theory is that BHN is purposefully disallowing pin-based debit card transactions in a way to try to force users to run transacations as credit, which nets BHN more money per transaction. i.e., I believe they are purposefully circumventing governmental regulation that governs pin-based debit card transactions. I have evidence of this because the same cards will work at the " security restricted vendor '' when running the transactions a credit instead of debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You have no right to report this bankruptcy in my credit report! There are different date files/reports and even closing dates. This is also a discharged bankruptcy which means a fresh start but this is the reason why I can't get a fresh start because you are reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-06-10
Company: EQUIFAX, INC.
State: GA
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim these items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
Company: Avant Holding Company, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not remember the last date I talked to them, but I told them that I would be catching up my account this month. Could not make a payment that day. They told me that the autodialer would keep calling me and they could not change the frequency. I receive 3-4 calls from them daily from Avant credit card from phone number XXXX. These calls interrupt me at work. 

I would have no problem if they called once a day, but the repeated calls is borderline harassment and I believe a violation of the Fair Debt Collections Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 Account # XXXX, has violated my rights. 

XXXX5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as Iate for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX and XXXX XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: AA Recovery Solutions, Inc.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Contacted via email about a debt for two motorcycles I purchased. One was already repossessed, and the other one was not. Threatened many times about being sued, wages garnished, and possible arrest by police. Never received anything via mail, only calls and emails made/sent to myself as well as my mother. They said the same threatening things to her about what could happen to me, if the debt wasnt payed immediately, and continued to badger her without any permission from me to talk to her about my debt..They have offered a settlement, but they wouldnt provide a physical address of their business until my mother told them we wouldnt send any money without knowing where theyre located. They had originally asked for payment over the phone, and then gave a PO Box where to send it. When I searched for information on the internet I found on the XXXX that this agency name and address was closed, and many of their tactics where reported over and over in complaints to the XXXX. I did ask them about finding on the XXXX site where it said their business closed, and they told me businesses change all the time ... The name the collections agency gave me was AA recovery solutions, also used the name AARS. The address they finally gave me after repeated attempts to get it from them is, XXXX XXXX XXXX XXXX XXXX with a zip code of XXXX. Im not sure where to go at this point, all the phone numbers I found associated with them say they are not in service. Even the ones on the website ( XXXX ) they gave me didnt connect me to anyone. I was told I needed to send the money two day express with no signature required, and that I would receive a clean title to the motorcycle, the one that wasnt repossessed, 1-2 weeks after they relieved the money. I did contact the original company I purchased the motorcycle from, but they were unable to give me any verifiable information about the debt. I called two different numbers. One of them I found on line, but the XXXX representative couldnt tell me anything about the debt. Also called a XXXX phone number given to me by AA, which told me the debt was bought out by XXXX XXXX. Ive never received anything from XXXX XXXX about this debt. AA recovery solutions said XXXX XXXX bought the debt, and AA recovery is the third party used to collect the debt .... Ive been told so many things by AA recovery solutions, and many of them have been contradicted from one phone conversation to another, and from what is told to me vs what is told to my mother. Also, the information Ive found online doesnt substantiate the information AA has given me ... I have no idea where to turn at this point, or whom to believe. Any help you could give me would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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: Personal information incorrect

Complaint:
Ive been in communications with Experian about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told Experian many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; My only address is XXXX XXXX XXXX XXXX, XXXX Colorado XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank You 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 2023-07-12
Company: The CMI Group, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a notice from my credit monitoring service that there was negative action on my report ( s ).

A company known as Credit Management , LP with an address of : Creditor Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( on report ). In the amount of {$350.00} XXXX  XXXX. # XXXX Opened XXXX Reported Closed XXXX I have no known relationship with this company and who gave them permission to place something on this report? IT WAS NOT ME. 

Under 15 U.S. Code 1692g - Validation of debts, this alleged creditor must furnish proof that I have a contract with them. 

The name : XXXX XXXX XXXX is a registered trademark with the United States Patent and Trademark Office bearing U.S. TRADEMARK REGISTRATION XXXX ( see attached certificate of XXXX )

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 2022-04-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I HAVE FILED A DISPUTE IN REGARD TO THE INCORRECT ITEMS ON MY CREDIT REPORT.ITS HAS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECIEVED ANY INVESTIGATION RESULTS.

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 2021-04-14
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I pulled a copy of my credit report and noticed fraudulent activities.

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 2023-07-27
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: Was not notified of investigation status or results

Complaint:
I am contacting you to request the immediate deletion and removal of the accounts and information listed below from my consumer report. Reporting these accounts and information is a direct violation of the FDCPA and FCRA, and it is imperative that they are removed promptly to comply with the applicable laws. Please take immediate action to delete and remove these accounts and information from my consumer report. Thank you.

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 2023-03-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
At this point I am being completely taken advantage of as a consumer. My accounts have been able to be deleted from XXXX due to inaccurate reporting and other errors on their behalf but Experian and XXXX refuse to correct their mistakes and remove the items. It is against to law for them to report inaccurately on my behalf and for them to all be reporting information that does not align with each other this is ridiculous and holding me back from moving forward in my life and business deals. I am suffering because of their disrespect for consumer law! The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws. These are the accounts XXXX XXXX  : XXXX Past due balance reporting incorrectly under XXXX XXXX guidelines. 
XXXX XXXX  : XXXX Past due balance reporting incorrectly under XXXX XXXX guidelines. 
XXXX XXXX  : XXXX Past due balance reporting incorrectly under XXXX XXXX guidelines. 
This is a violation of the FCRA 15 U.S. C 1681i and is also in violation of requisite METRO 2 Compliant reporting Standards.

According to the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) I have the right to a fair and accurate credit report, and you are required to promptly delete, and remove any information that is not true, accurate, and verifiable.

Someone needs to hold them accountable for this. The accounts reporting inaccurately need to be deleted immediately this process has taken too long!

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 2019-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Have contacted all 3 credit bureaus numerous of times to get items that are not mine to be removed and they refused to investigate them accurately and delete them the accounts that are not mine and need to be removed are : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and unknown collection. I ve supplied ID Theft Affavaid, police report and constant dispute letters I have sent out letters on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019,XX/XX/2019, XX/XX/2019 they keep asking for identification documents I have submitted my ID, Electric Bill, Bank Statement, Social Security Card and XXXX XXXX XXXX. Submitted them everything and they keep asking for more information and not processing disputes.

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