BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: Experian Information Solutions 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:
On XX/XX/XXXX at XXXXXXXX XXXX Experian received a letter concerning my credit report. This is NOT a request to conduct an investigation or a request to contact the data furnishers for items on my Experian credit report and ask them to verify the accuracy of the information. 

I am simply demanding the following accounts to be DELETED from my credit report immediately. The list of accounts, below, has violated my federally protected consumer rights to privacy and confidentiality, according to the Fair Credit Reporting Act, 15 U.S.C. 1681. 

Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Experian is in violation with the Fair Credit Reporting Act, 15 USC 1681. Let me further explain. Pursuant 15 U.S.C. 1681 ( a ) ( 4 ), I have the right to privacy. ( I demand these accounts be deleted ). Pursuant 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), the term consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. ( Ex. Late payments, amount financed, charge-offs, etc. ). Pursuant 15 U.S.C. 1681b ( a ) ( 2 ), A consumer reporting agency can not furnish an account without my written instructions. ( I have never given Experian permission to furnish any of these accounts ). Pursuant 15 U.S.C. 1681c ( a ) ( 5 ), No consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Pursuant 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), A person shall not furnish any information relating to a consumer to any consumer reporting agency. 

I am simply demanding the following accounts to be DELETED from my credit report immediately. The list of accounts, below, has violated my federally protected consumer rights to privacy and confidentiality, according to the Fair Credit Reporting Act, 15 U.S.C. 1681.

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 2023-11-06
Company: Central Portfolio Control Inc.
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This debt have been on my credit since I moved to GA. I dont owe this company. Its ruining me getting a place to live because its showing up as an evictions. The company calling and charging me I dont own any debt too at all. Legally how could I get this off my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Lendmark Financial Services
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I am currently off of work due to hospitalization and needing to have XXXX. I do not have a return date, have no income until my short term XXXX is approved and comes through. I called this company to see about a deferment, they advised me no assistance due to not having the current loan opened for 6 months, okay, we told them we may have the funds Friday, they asked me to pay on Thursday and stated it won't clear until the XX/XX/XXXX, kind of asking me to overdraw and make a charge on my account with funds I do not have. Per the loan agreement I am supposed to have a 10 day grace period however what the rep relayed to me was I needed to pay the XXXX or it would be reported late because my payment was due on the XXXX. That is 3 days. It does not matter the due date a grace period is offered the same must be offered to all customers and this did not seem to be the fact what was being told to me. This is unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: GA
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 sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: NC
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 tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, i will seek legal action against you guys.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: NC
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:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX, # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX CITE XXXX XXXX # XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX sent us a final notice in XX/XX/2020 of {$160.00}. I paid that bill over the phone with a manager. They sent us another notice in the mail here in Texas for the same amount in XX/XX/2020. I called them and confirmed that the balance is {$0.00}. Because the account is closed and I no longer have access to the security account, the representative will not mail me a receipt. Additionally, despite the {$0.00} balance, XXXX sent over a collection notice to the same agency, Credit Collection Services in XX/XX/2020. They also said it was an error, and promised to report it to the collector. They have not. Credit Collection Services is fraudulently demanding {$690.00} on a PAID {$160.00} bill with XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-15
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 wrote all 3 major credit reporting agencies ( XXXX, XXXX, experian ) and informed them of fraudulent information on my file. I submitted a police report, an ftc theft affidavit along with my identification and proof of residence. 
The items that were fraudulent are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a female and I was informed that a male was posing as me at an address not mine. Im not sure how they were able to convince these companies that my name was a male name.

These items remain after I disputed them with the documents needed to block and remove them per the fcra 605b provision.

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 2019-04-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2019 I sent {$700.00} through quick pay to a person I thought was my boyfriend since it was under his name however, he never received the money. I notice that the number under his name was an old number of his. Immediately, I called the person to return my money but she refuse to do so. I called chase within that very second and told them the situation. They told me that they could not reserve that transaction so I had to file a claim and wait 10 days. In the process the women was able to cancel my {$1.00} transfer easily. Today, has been 10 days and when I called chase for an update they told me that it is still under investigation that I had to wait until XX/XX/XXXX. However, the person assisting me said that if the person has spend my money then I can no longer receive it back. Out of anger and sadness I attempted to called the person and she was laughing hysterically at me I over heard her talking in Spanish to a man stating no I will not give her money back I am going to give it to you. I am just afraid that when XX/XX/XXXX does come I will not receive my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps. These inaccuracies are not just a source of embarrassment ; they are actively sabotaging my efforts to secure the credit I rightfully deserve. We are both well aware of the laws mandating accurate credit reporting, and it is abundantly clear that the inclusion of such false information is either an oversight on your part or a gross mistake by the reporting creditor. XXXX XXXX. The company says I legally owe you money. I will PAY under one condition if you can provide. 1. Validation of the debt that is, the actual accounting. 2. the validation of a signed invoice 3. a copy of the contract binding both parties, myself, and your company, in a letter by certified mail so that there is an independent witness to it having been delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
My company is about my reliacard I try using it at the store and decline never had a problem with it till now the USBANK put a block on my card for a address change that on my ID that they have on file some address it been going on for 2 1/2 week now they told me send them a picture of my ID and picture of me.so I did and it only suppos to take 1 to 2 business day it's been 2 1/2 week I half to pay my Bills I call them everyday and they give me the something every day that they have to review my pictures so I send them one everyday and nothing I was getting at yall to see if yall can help me to unlock my card please. And I was looking at the bank reviews and there all bad that the bank put a hold on there card and took there money I'm asking for some help

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 2021-01-09
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
In reviewing my credit report found a collect list from XXXX XXXX XXXX send to Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX this account wasn't opened by myself XXXX XXXX or my wife XXXX XXXX XXXX. We have spoke with Credence XXXX and transferred to XXXX at which time we were advised to made a police report and they will send us an information package. The amount of this charge is {$1300.00} this account was made in TX according to Credence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27
Company: LoanCare, LLC
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: Account status incorrect

Complaint:
I have been approved for the forbearance under care act due to the impacted of covid 19 financial hardship, the approval is for the length from XX/XX/XXXX to XX/XX/XXXX, and I made payment for the month of XXXX and XX/XX/XXXX, However I have reviewed my credit report and noticed that Loancare has reported to credit bureau that I was late for more than 90 days for the months that I was approved for the forbearance and 30 days late for the month of XXXX and XXXX, I have filed a dispute However Loancare has not made any correction, this error has cost my credit score decrease so many points, please help since I can not contact Loancare.

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 2023-11-10
Company: EQUIFAX, INC.
State: TX
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:
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.

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09
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: Their investigation did not fix an error on your report

Complaint:
There is a {$550.00} million dollar lawsuit against XXXX by the attorney general that ordered them to forgive the auto loan debts of consumers due to their bad business practices and predatory lending during the time frame starting from XXXX to XXXX. I had a vehicle loan with them during that time frame and was definitely a victim of their subprime lending amongst other bad business practices, one being them not properly providing all loan parties proper documents. Attached is a link regarding the settlement via the Attorney general. XXXX XXXX XXXXXXXX

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 2019-04-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have been paying child support for years and my account has been reflecting that I am not paying my child support. I pay my child support directly at the XXXX XXXX Juvenile Court house each pay date and The State of Louisiana Department of Children and Family Services, reports on my credit report that no payments have been made. This has been going on years now and has caused me major financial hardship. I have been unable to get a fair credit card, get a drivers license or purchase a home. Because they are reporting that I am not making my payments. I have contacted the parties involved for years now and they are unwilling to help correct the matter. I have attached my last 54 payments and I also have the receipts for the current month as well. These receipts come directly from the court clery. 

I have exhausted all avenues trying to get assistance with this matter and in my research, I found that it is my right by law to have this account, completely deleted from my credit report and never to be reported again, due to the errors in the reporting of this account. This legal right is granted by the FCRA and I would like to enforce this right as I have been harmed for years now, with no assistance is correcting this matter. 

I attached my last few payment receipts, I have last months receipts as well as the last 54 payments, I tried to attach them but your system won't allow me attach the file because it was over 10 MB. So I just attached a few, but can provide all of them for you, without a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I have disputed Portfolio Recovery Associates account XXXX and they responded with the false claim that they " investigated '' my complaint but failed to provide any competent evidence of the alleged debt other than some fake statements. Please investigate the alleged transactions on the alleged statements and other facts and delete as I have no knowledge of this false account.

Company response to consumer: Closed with explanation