BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: In progress
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
When I went to apply for a personal loan at a bank it says I had too many inquiries within XXXX... too many transactions ... .etc. When I got all the copies of inquiries, my name ( both first and last ) was spelled improperly, addresses was incorrect, and I previously sent in a complaint and have yet to hear of the outcome, it's been over a year. Now I'm trying to correct and fix everything properly 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 explanation
Consumer complaint received 2019-02-10
Company: CURO Intermediate Holdings
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I recieved a payday loan from Speexy cash in XXXX, WA for {$350.00} and was to pay back {$400.00} on XX/XX/2019. My medical premiums have been taking out hundreds over the regular amount to the point that my company and union are all going to sit down and figure out wtheck is going on so I was unable to pay the payday loan back on time due to not expecting my check to be hundreds short. SO, payday loan day came and went but I had also given them permission to run the check and knowing my bank allows overdraft I assumed okay its going to overdraft my account and there's nothing I can do. Well, a woman named XXXX called me XXXX XXXX from speedy saying the check had been declined. I, then, explained the extenuating circumstances and said I would definitely make a payment on my next payday which now differed from original biweekly schedule ( was out on medical but then went back to work in this time. Its why i needed the payday loan ) so yes instead of two weeks from original due date it was agreed to be paid on XXXX XXXX. It was agreed to! They instead lied and continued to try and pull out entire amount and did so overdrafting every penny from my account. They by WA law HAVE to accept installments and I believe I even have 45 days to make a payment before theyre allowed to begin trying to force payment anyway are they not? Anyway, I called and they could care less and their reasoning was, " well, other people have lied and not paid them back in the past so they do this to everyone. '' They used deceptive means and lied about the agreement all together. I have all of which on recording to prove so. Her admitting to not telling me thats what they would even possibly do. I need that money back now and they can not treat me as less than human when this was completely out of my control in the first place. I can prove the medical was taken straight out of my check and that they owe hundreds when I've only just gottan back to work so they are the only ones who have lied here and royally XXXX  me after I was already going through enough! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: GA
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:
Ive disputed several accounts that are being reported as mine to all three bureaus and they keep saying they have verified them and when I requested information on how and with whom they were able to verify, I get no response at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: CAVALRY INVESTMENTS, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Date Opened : XX/XX/2023 Status : Collection account. {$8900.00} past due as of XX/XX/2023. 
Status Updated : XX/XX/2023 Balance : {$8900.00} Balance Updated : XX/XX/2023 Original Balance : {$8900.00} Highest Balance : {$0.00} Terms : 1 Months I firmly assert that this account is not accurate, and I have never agreed to any financial responsibility associated with it. Furthermore, I have no knowledge of the debt in question and have never entered into any contractual agreements with Cavalry Portfolio Service. As such, I believe this account is erroneous and must be removed from my credit report. I have also provided substantial evidence that this said debt is related to identity theft as i have shared over 30 data breach cases with them as well as an Identity Theft.Gov report with the incidents explained. 

At this time I will also inform you that theyve listed my account as PAST DUE as of XX/XX/2023. This is not only incorrect but according to the FDCA, this is illegal as collection accounts can not be reported as having a past due balance. Being that their offices are reporting invalidated and unlawful recording information that goes against the law and my rights you must delete this account and report the deletion of this account. Their actions have constituted fraud under both Federal and State Laws. 

I have requested validation PROOF from this collector and they have failed to provide anything, however just a written notation to the credit bureaus stating the debt is valid. They've been asked to provide the following information and have failed on 3 attempts approaching 90 days. 

-What the money Cavalry Portfolio Service says I owe is for : -Proof of my wet signature accepting financial obligation for what they say I owe : -Explain and show me how they calculated what they say I owe : -Provide me with copies of any papers that show I agreed to them what they say I owe : -Provide a verification or copy of any judgment if applicable : -Identify the original creditor and provide original balance for services products or fees : -Prove the Statute of Limitations has not expired on this account : -Show me that they are licensed to collect in my state : -Provide me with their license numbers and Registered Agent or Agent of Service :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Southwest Stage Funding
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: Problem with personal statement of dispute

Complaint:
I have tried working with XX/XX/XXXXabout continuously reporting a late payment in the amt of XXXX from XXXX of 2019 they ran the payment before the money was in the acct once the funds were deposited the account was short Due to previous attempt from XXXX XX/XX/XXXX they reached out to us by phone and we were told if payment was submitted the would not report it but they. Did now from what I gather from XX/XX/XXXXthey can report this payment every 24 months and it will continue to make my score decrease until 7 years has passed so no matter how hard I work every two years my score will take a bit with XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX 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 2022-07-12
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:
It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that 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 any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
XXXX XXXX XXXX Balance : {$770.00} XXXX Date of Inquiry XX/XX/2020 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the 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 immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: GA
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:
Ive disputed several accounts that are being reported as mine to all three bureaus and they keep saying they have verified them and when I requested information on how and with whom they were able to verify, I get no response at all

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 2023-06-29
Company: AR Resources, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Reference to the entities below are in violation of the laws enclosed. 

Company and/or Business : 1. AR Resource Inc - Open - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX open - XX/XX/2022 * 15 u.s.c 1681 section602 ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons; * 15 U.S.C 1681 Sec . 604. Permissible purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer; * 15 U.S.C 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: FL
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated or removed : XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-08-26
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to emergency room in XXXX for treatment and I had insurance. Left hospital after treatment. Years later XXXX started getting letter and phone calls from collection agency about hospital bill from an emergency room doctor bill from XXXX XXXX XXXX XXXX XXXX, they supplied the emergency room doctor and turned it over to a collection agency called Credence out of XXXX Texas. XXXX  of the collection agents did a XXXX  way call with my insurance company and the collection agent learned that the emergency room doctor group forgot to fill with insurance company so they did at that time like 18 months later. Of course insurance denied it since it was over the year allowed by law and my insurance company sent me a letter that they denied the claim since it was not filed within 365 days of service and said neither they, the insurance nor I were liable for the bill by law. I faxed all paperwork to credence the collection company. Now in XXXX another collection company called XXXX XXXX XXXX has it called me and sent a letter. I called the original emergency room doctor group they wont pull the claim away from the new collection agency. So it keeps being passed to collection agencies when will this stop. No one is liable for this debt. The new collection agency is rude and threatened to out it on my credit. When will this go away!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: Westlake Services, LLC
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is a violation of 15 usc 1681a Transaction history is not part of a consumer report.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

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 2022-05-25
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 at XXXX pm. Someone was able to access my account with a fraudulent card and was able to withdraw funds from my account at an atm machine. My card was not lost/stolen. When I relayed this information with my bank Chime Bank XXXX XXXX ) a dispute was filed and dismissed reporting that according to their investigation no error occurred. I explained to Chime bank that I filed a police report with the local authorities ( XXXX XXXX  XXXX. XXXX California ) that a fraudulent transaction was made. Chime Bank proceeded to double down with their position and still refuse to complete a thorough investigation and still say that no error occurred. Meanwhile Im still out {$280.00} from my checking account that is FDIC INSURED. I have also read reviews on XXXX website and realized that this exact issue has occurred on numerous occasions to many other bank customers. If there is anything that can be done. Please Help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
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:
FCRA violations : accounts not mine XXXX XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2200.00} written off. {$2200.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. $ FCRA violations : addresses not mine XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX FM XXXX XXXX, TX XXXX FCRA violations : payments never late XXXX  XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$7400.00} written off. 
XXXX  XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Open. 
XXXX  XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open.

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 2023-06-29
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:
It is Equifax is duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Equifax is reporting XXXX in accurate late payments for the XXXX  account, which does not have an account numbers to reference to. These include XXXX 90 day late payments posted in XX/XX/XXXX and XX/XX/XXXX, XXXX 60 day late payments dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XXXX 30 day late payments dated XX/XX/XXXX and XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in Equifax violating my federally protected consumer rights. To add to this I did NOT give Equifax written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that Equifax has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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:
It is XXXX duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Equifax is reporting two inaccurate late payments for the XXXX account, which does not have an account numbers to reference to. These include one 30 day late payments posted in XX/XX/2018 and one 60 day late payment dated XX/XX/2018. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in Equifax violating my federally protected consumer rights. To add to this I did NOT give Equifax written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that Equifax has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation