BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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 explanation
Consumer complaint received 2021-04-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
I have sent documented requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently on XX/XX/XXXX requesting validation of this debt with my wet-signature where I have entered into an agreement with this company. This company is not able to nor have Midland Credit Management supplied me with any documentation where I have entered into an agreement or binding contract with them. 

The most recent bully tactic being used is a lawsuit threat dated XX/XX/XXXX for services I have never received from Midland Credit Management. I am being harassed for {$2200.00} worth of debt from this company and it is preventing my ability to gain credit because an egregious debt from Midland Credit Management is listed on all three of my credit bureau reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: Experian Information Solutions 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:
This credit agency has repeatedly violated my rights as a consumer. I, AGAIN, have never given this company written or verbal permission to report any information on my consumer report. This violates code 15 USC 1681b ( 2 ) which states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates ''. 15 USC 1681 section 604 ( a ) ( 2 ) states I have a right to privacy and because certain information is being reported, it is harming my ability to provide housing for my family. Lastly, 15 USC 1681a ( 2 ) ( a ) states " the term consumer report does not include ; report containing information solely as to transactions or experiences between the consumer and the person making the report ''. This means that late payments, collections, chargeoff accounts are not to be listed on the report as those are experiences and transactions between the consumer and the person. I personally do not care about what a company verifies because all documents can be falsified. With that being said, the following adjustments need to be made : 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, violation code : 15 USC 1681a, 15 USC 1681b ( 2 ), and 15 USC 1681 section 604 ( a ) ( 2 ) ).

There are also inquiries that are reporting on my report that I did not authorize. If there is no document or contract that has my WET signature, I am requesting that it be removed immediately. As a matter of fact, I demand that this company shows I submitted a document giving them authority and/or consent to report any of these listed accounts on my consumer report. If no document exists, I need these accounts gone. Keep in mind that ultimately, this is a violation to my RIGHTS TO PRIVACY. If these accounts are not corrected, someone will be held accountable. Lastly, contacting the data furnisher is NOT verifying or making sure the information is accurate. Please do your job and reinvestigate my records according to the law. My next course of action will be to file suit against this company.

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 2023-05-31
Company: Magnum Association Services
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved into my home XX/XX/XXXX First HOA due in XXXX I thought the insurance paid that ( first time homeowner ) I was not working due to COVID I did reach out to the HOA to discuss It was sent to collections XX/XX/XXXX I paid XXXX XX/XX/XXXX I paid XXXX They applied my money to something else and state I still owe XXXX I want this deleted from my credit report and the correct payments applied correctly. XXXX should be XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: BANK OF THE WEST
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I signed up for a forbearance plan with Bank of the West and was told I would have 90 days of payment extension and now the bank is calling me saying Im missing payments.

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 2022-04-22
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My name is XXXX XXXX a federally protected consumer, and I am making this complaint against Cooling & Winters for committing fraud and identity theft. I have never contracted with Cooling & Winters and I did not authorize nor consent to the use of any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe them. These abusive, deceptive, and unfair debt collection practices committed by Cooling & Winters, have brought me severe stress and anxiety. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations u

nder 15 U.S. Code 1692e ( 12 ). I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any
communication and collection activity, of this and any alleged debts until Cooling & Winters, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Cooling & Winters, continues its collection efforts, I will file for litigation for actual damages caused, and Cooling & Winters will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, 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 did not authorize nor consent to the following inquiries being furnished on my consumer reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 EQUIFAX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : 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 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

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 2020-07-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have been a Chase Customer for over 10 years. I usually send wire transfer to my family abroad through the bank lobby. But on XX/XX/2020, I was turned away at the bank and asked to send the wire transfer by myself using the Chase App. The reason given was that my branch at XXXX XXXX XXXX XXXX XXXX in XXXX, Texas was temporarily closed and other bank lobbies were closed due to Covid-19. And so I was forced to attempt this transaction by myself for the first time without any help or tutorial videos. The wire transaction details are as follows : Wire Date : XX/XX/2020 Wire Amount : {$400.00} Wire Transaction # : XXXX Wire Reference # : XXXX Unfortunately while conducting the transaction, I entered the recipient 's account number wrong. I noticed this immediately after I sent the wire. Since Chase Bank disclosure on the website allows corrections to be made within 30 minutes of sending a wire transfer without any fees or penalty, I immediately called Chase Bank customer service and requested an amendment to my wire transfer to correct the error. The Ref # for that phone call is XXXX. I was told by the agent that someone from the Wire Department will reach out to me within 24 hours to validate the request. By the end of the next day I did not hear from anyone at Chase Bank so I called again on XX/XX/2020 and was advised by another agent to re-file my amendment request ( Phone call Ref # XXXX ). Again I was told that someone from the Wire Department will call me. No one did. On XX/XX/2020 I called Chase Bank yet again and was advised by another customer service agent to wait a few more days to hear back from Chase ( Phone call Ref # XXXX ). Again, no one called or emailed me from Chase. Finally, on XX/XX/2020, I called Chase Bank and demanded to speak to a Manager. I requested an escalation of my issue and she did ( Ref # XXXX ). Since then, I have called Chase Bank several times to follow up on this issue and the wire transfer phone line has never been answered, but rather a recording directs customers to send an email while the email center advises customers to call the wire transfer line. The only communication I received from Chase Bank was an online secure message telling me that the transaction can not be amended or reversed, but without telling me how and when my money will be returned to me. I need my money and fees refunded

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10
Company: Diverse Funding Associates LLC
State: MI
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:
Upon review of my recent Credit Repot from XXXX, I noticed a negative item reported by DNF Associates. On XX/XX/2023, I sent a dispute letter to XXXX to resolve this matter, and 30 days has passed with no investigation. XXXX is now in violation of federal and state law under the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). As you XXXX has now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Comenity Bank card hasn't been used since XXXX of XXXX. On XX/XX/XXXX XXXX charges were made totaling {$330.00}. I received a XXXX XXXX Card Account Activity from XXXX XXXXXXXX XXXX on XX/XX/XXXX and shortly after a bill in the mail from Comenity Bank. I have called at least 6 times in the past XXXX days ( today is XX/XX/XXXX ) with no help at all. Comenity online service options does not have an option to report fraud or to dispute charges. Being on hold for over half an hour then to have the call dropped/disconnected several time is frustrating and brings to mind a scam company with XXXX XXXX  customer care '' representatives who do nothing but read from a script to verify account information and transfer the call to some XXXX  XXXX department XXXX XXXX to answer calls. Comenity Bank is reporting incorrect information to credit bureaus about me I demand that these fraudulent charges removed from my credit history and close completely close the account with Comenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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, XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A : States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : States that a consumer reporting agency can not report/furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX sold this account to XXXX XXXX. XXXX XXXX hired XXXX, XXXX and XXXX XXXX XXXX XXXX to garnish {$8000.00} from my income. Approximately {$1600.00} was collected through XXXX XXXX XXXX in XXXX, Virginia through this garnishment. A payment plan was installed with XXXX XXXX and XXXX XXXX XXXX XXXX for the remaining amount to be paid in the amount of {$130.00} due on the XXXX of each month beginning XX/XX/2022. Payment plan is active and current as of XX/XX/2022.

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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
Ive been dealing with this issue since the beginning of this year. XXXX XXXX continues to state this account is mine when in fact my social security was stolen to create this account. Ive already spoken to representatives and know it was created online. On XX/XX/XXXX I received a letter stating why they believe the account is mine. The first reason was because of the address, Ive already stated to XXXX XXXX that my mother took my social and made the account without my knowledge hence why I would be listed at the same place. They also list my phone number and thats extremely fraudulent because I told XXXX of the representatives to contact me when new information about the case arises and I specifically told her NOT to put my number on this account because its not mine. They placed my number on the file without my consent ( this can be found in many recordings stating this especially during XXXX summer ). The last bit of evidence they stated clearly shows what Ive been stating since the beginning that the account isnt mine. XXXX XXXX states that on XX/XX/XXXX I had called to get a new card. If the investigators at XXXX XXXX did what they were supposed to theyll realize the number is a completely different number and its my mothers number. If they listened to that recording Im sure they can compare it to every phone call Ive made to them about this being fraudulent and realizing its XXXX separate people. I also have evidence to show I was not even in XXXX in XXXX because I moved to XXXX for a short time for school and family ( aunt and uncle who can also be a witness to this ) but moved back due to the pandemic in XXXX. I have paychecks that can confirm I was not at the address at this time again due to abuse at home. Please remove this fraudulent account from my credit report or XXXX have to further this to a judge who will listen. This is tiresome, I just want this issue fixed.

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 2022-04-22
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have tried to pay off this card several times. The customer service agent would assure me it was taken care of ( XXXX ) Then I would get a text saying I owed on the account. I was told it was {$1.00} interest and a late charge of {$37.00} was added. 
This business has over XXXX complaints with the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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:
I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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