BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
To the CFPB I lost my income in XXXX since then I never regain any employment at all. in that situation, I could not afford to pay all my credit card bills we only rely on my husband XXXX XXXXXXXX payment. that's why I decided to enroll in the debt settlement program the problem is, I was scammed by the agency and did not settle all the debt. one credit card was left behind never settle at all. and the problem I don't have money to pay them, this is the only money left in the Bank. my savings account is {$0.00}, my checking is only {$24.00} the most painful and stressor is the collection agency that added up to our problem is Portfolio Recovery Associates LLC and XXXX XXXX. that's why I want to file a complaint against XXXX XXXX and Portfolio Recovery Associates llc for their joint effort of Harassment and continued collection and illegal activity. XXXX XXXX and portfolio recovery keep sending collection letter and some with harassment to file a lawsuit and adding to our stress and anxiety and even phone calls I will be exposing their phone numbers they are using to call our cell phone every time they call I saved the numbers to our phone that's why I have it and its verified by me by calling them back I will be attaching all the collection letter that they sent me and also here are some telephone numbers they used to call our phone # 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 all this number called my cell phone and the CFPB can verify its accuracy. Please kindly solve this matter thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: The Bureaus, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've disputed the account numberous of times and XXXX and XXXX states account is verified. I've also asked XXXX and XXXX to prove to me how was it verified. Neither bureau was able to disclose to me what methods they took to verify that the account is accurate. 

My consumer rights are being violated. The inaccurate information that is reporting on my accoun is unfair and unequitable pursuant to to 15 USC 1681 ( a ) ( 4 ) I've attached a report from XXXX indicating that this accoun has already been removed from my profile. 

I demand removal of this inaccurate account reporting on my profile. Remove account XXXX from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Experian Information Solutions Inc.
State: NJ
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:
In XX/XX/2018 my cousin XXXX XXXX added me to 3 of his credit cards as an Authorized User since he was having difficulties making his payments on his card, in trade he allowed me to use the card and by doing so it would add to my credit history since I don't have a vast history on my credit report. 

My other cousins were added to the card and their information is reporting. I called each of these companies and they stated that they sent the bureaus my information for it to report but I'd have to call the bureaus. I called Experian on every number I could find for them and they have it where you can't talk to anyone no matter what you do. I don't believe it's fair that they can have this type of power of my ability to get financing and don't even have a way to speak to a human being, no fax number, only a mailing address that I don't want to lose all that time waiting on the mail. 

I've also asked them several times to remove any mailing addresses that weren't my main address but they insist on keeping them on. 

I also asked them to remove all the name variations with exception of my first name, middle, last name and suffix, they insist on several different name variations.

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 2023-01-07
Company: Experian Information Solutions Inc.
State: NV
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:
On XXXX XXXX XXXX XXXX reported to Experian that I owed {$680.00} and lowered my credit rating by XXXX points. My payment history on XXXX XXXX XXXX 1 late payment made on XXXX XXXX. All previous payments made by payfast are shown. XXXX report to Experian is inaccurate and unfair. I have never been contacted by XXXX for an overdue payment prior to this 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 2023-02-13
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: 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. 
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, 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 explanation
Consumer complaint received 2018-08-30
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I saw an ad for student loan forgiveness for students of XXXX XXXX XXXX XXXX. I submitted contact info. ( phone number ). I received a few texts to call an XXXX number. I called eventually going over relevant information regarding my student debt. I regrettably gave my XXXX. I didnt have time to go much further with the questionnaire so i asked the man to email me the site. He said he would right then and then the phone got disconnected. I tried calling each number multiple times today but it always disconnects.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: TX
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 have reviewed my Consumer Reports and noticed that this XXXX XXXX XXXX account starting with XXXX is not mine and inaccurate. I have tried several times trying to resolve the issue with dispute letters to no resolution. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy and that is not the case here with the attached account.

There are several sections on my report that are inaccurate which I have circled on the attached photos that I pulled from two separate companies and both of which are inaccurate. I think they are attempting to keep this in on my report as long as they can and it is preventing me from purchasing a home for my family. 

Please investigate and provide Proof that these reports are accurate but if proof can not be provided, I demand that this account is removed from my consumer report. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not disputing anything on my credit report as of today. Please open my credit file if you still have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: The Outsource Group, Inc
State: NC
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:
On XX/XX/2022 I saw a collections that had been added to my credit reports XXXX, XXXX, and XXXX and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: HOVG, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of identity theft. My information was used and shared without my consent. I did not authorise any opening of accounts. This is illegal and a violation of my consumer rights. 

BAY AREA CREDIT SERVICE, started to report as of XX/XX/ that I owe them {$3200.00}! the original creditor is XXXXXXXX XXXX XXXX XXXX. this report was placed on my credit and is now in collection. 

I have contacted the company on my behalf, and told them I don't owe them and that debt doesn't belong to me.

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 2023-07-19
Company: CCF Intermediate Holdings LLC
State: TX
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:
Hard Inquiry on my credit accounts on XX/XX/23. I do not know who this company is, what they do. Additionally, clearly, this was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: IL
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 Reporting act XXXX XXXX XXXX accountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX XXXX U.S. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency 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 explanation
Consumer complaint received 2023-01-07
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I do not recognize this company and what they are trying to sue me for. I have NEVER borrowed from this company. This " tag team '' that these collector companies use to increase the original collector acquisition date. This needs to Stop. This completely illegal practice from these debit collector companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: U.S. BANCORP
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
So I applied for an Auto loan with U.S Bank on XX/XX/2023 because me and my family are in need of a new vehicle and I was denied the loan. Now we have to figure out how we can move around from work and daycare and its taking a toll on our expenses right now. One thing I do know is that by consumer 15 USC 1602 Chapter 41 Sub Chapter 1 that I have an Open end credit plan and by me being denied this loan, I am being denied my rights as a consumer. Also, when I gave them my social security number I know that when they ran my credit card ( which is my social security number ) anybody who ran it got paid something and in return from me giving them that I was denied which is not legal. I have contacted them and they were only telling me that I was denied and that is all they can do for me. I also received the denial letter and on the bottom of the letter it states that they can not discriminate anybody who has in good faith under the Consumer Credit Protection Act.

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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 previously filed a complaint and you Consumer financial protection bureau didnt file my complaint because you think someone other then me filed this complaint I attached proof of your letter I received though the mail. Please once again remove this account that was fraudulently obtain in my name next step will be a law suit please submitted my inquiry for a investigation on this account thanks again.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-03-07
Company: Block, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Company : Cash App XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I sent my sister {$50.00} via CashApp today XXXX. My sister immediately called and told me she closed out her account. I contacted CashApp support via online chat feature to ask that it be refunded and in short they said it was nothing they could do. 

CashApp could be holding XXXX XXXX XXXX  of dollars with this type of policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: CAINE & WEINER COMPANY, 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: Reporting company used your report improperly

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXX. I have ABSOLUTY NO contract with Cain and Weiner Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: OneMain Finance Corporation
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Constant calls, usually 3 to 5 a day. Regularly violates the 7 in 7 rule. Called my coworkers phone asking for me. One employee I spoke to said like, I just dont understand why you cant pay right now after telling her my first child was just born.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Names : I am not XXXX, XXXX or XXXX Addresses : I do not reside at XXXX XXXX XXXX XXXX Ga XXXX or at XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXXXXXX XXXX or at XXXX XXXX XXXX XXXX # XXXX Ga XXXX I am disputing delinquent accounts 1 XXXX XXXX 2 Experian 3 XXXX I am disputing Derogatory accounts 5 XXXX XXXX 4 Experian 5 XXXX I am disputing public records 2 XXXX XXXX 2 Experian 2 XXXX I am disputing the company XXXX I am disputing XXXX XXXX XXXX XXXX account I am disputing bankruptcy for the dates of the following : XXXX which the date is on my report twice XXXX also on my report three times XXXX XXXX they all were dismissed.

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 2023-01-07
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/XXXX I placed a dispute with XXXX I have requested several times for a letter showing proof. It's been 30 days still no evidence of proof. It will be 60 days by the end of XXXX. It is now XX/XX/XXXX, According to the consumer law I should be treated with fairness and have my credit report showing accuracy. I have requested several times for proof, with my signature with regional ACC. A copy of the original lease or agreement showing my name and signature listed. You have wrong names listed on my profile and inaccuracy listed under my name. Next step will be to go to State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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:
I have called Experian several times to have the XXXX XXXX ( XXXX XXXX XXXX ) dispute resolved and the dispute commentary removed from my credit report. The Experian employees have continually told me that the account is not in dispute and that there are no dispute comments in the comments section of the XXXX XXXX XXXX account, but I have printed my report on Experian and XXXX and I am seeing that the account still has dispute commentary in it. I can not obtain my mortgage with any dispute comments on my credit report. Experian and their inaccurate financial reporting with regards to the dispute are preventing me from being a first time homebuyer.

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