BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-16
Company: Experian Information Solutions Inc.
State: WA
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:
This is my second complaint about this issue, as it was assumed a third party submitted the complaint, but that is false as it was me. The complaint ID for my previous complaint is : XXXX. As a response, I've attached a new document, " Demand of Removal ( Attached ) '' confirming that I am not a third party and it is I the consumer submitting the complaint. I've also attached the previous documents I attached. 

I will repeat the problem below : I entered into consumer credit transactions in which I used my credit card as defined under 15 USC 1602 ( L ). Because I was the original creditor ( 15 USC 1602 ( g ) ), that was a private matter between me and said companies in which I extended the credit as the original creditor, but was then made public through my information being shared publicly in a consumer report by Experian, which is a violation to my rights to privacy as a consumer. Furthermore, Experian exercised unauthorized use ( pursuant 15 USC 1602 ( p ) ) by reporting my credit information ( publicly ) without my consent, which didnt benefit me, violating my rights as a consumer with the reported information ( see attached exhibits ). As a result, I experienced damages in the form of embarrassment and anxiety.

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 2023-08-30
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX Experian, XXXX, and XXXX were requested by me the consumer to correct inaccurate loan information and inaccurate reporting of payments, as well as, place XXXX XXXX XXXX XXXX into a dispute status as the company has defaulted on their administrative process and failed to verify the debt. Serviced registered mail, return receipt through the United States XXXX XXXX under the XXXX XXXX XXXX XXXX XXXX XXXX. According to the Administrative Procedures Act we have a contract and they have no claim to the account and it must be deleted immediately on request from the consumer. Experian, XXXX, and XXXX sent me an updated report 10 days later which reflected that they verified the debt with XXXX XXXX XXXX, which I could not do. I sent them the attached letter on XX/XX/XXXX certified mail, return receipt as evidenced, as an attachment. I demand that Experian, XXXX, and XXXX in accordance with the Fair Credit Reporting Act, 15 USC 1681 Section 609 ( a ) ( 1 ) ( A ) to present to me the physical verification of the original signed consumer contract signed by me the consumer. Federal laws gives them 15 days to present this to me and they have failed to do so. It is confirmed that the account can not be lawfully verified and as such must be removed from the consumers credit report immediately. This is a gross violation of my privacy and against the privacy act of XXXX. I expect my credit reports to reflect this change in accordance with Federal Law. If this is not corrected I will bring this issue to the Attorney General and Comptroller of Currency and start collections according to what is allowed by Federal Law.

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 2023-07-03
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
This is for an account i have with Barclays for Jet Blue ( I also have Barclays for XXXX XXXX ; XXXX XXXX and the only issue herein is with Jet Blue account ) XX/XX/XXXX Spoke with XXXX about a notice my card was on hold. SHe said she looked at it and it was a " mistake, error '' i i should receive card in XXXX weeks. Would not tell me a reason. 
XX/XX/XXXX : Spoke with XXXX ( XXXX? ) explained above and asked where is the card. She said one would be sent by XXXX. BTW my present card at that time expires XX/XX/XXXX. This is relevant next XX/XX/XXXX : Got a replacement card ( which I didn't need as I expected a new card with new exp date ) and this card expired the moment fedex delivered it. I called and spoke to XXXX then XXXX in Security. She told me i would get a new card in XXXX days by US mail XXXX 

XX/XX/XXXX No new card so i called and spoke to Cionne ( XXXX? ) Relationship mgr and said a new card was ordered XX/XX/XXXX THEN she said she looked further and said card is on " HOLD '' and I would receive a letter " any day '' explaining why. 

XX/XX/XXXX No letter arrived and I went on line and it said my account was closed I called. Spoke to XXXX Relationship mgr. and she couldn't find anything she could tell me. SHe said a XXXX # was assigned ( XXXX ). Once again a letter was supposed to be coming in 7-10 business days.

At this point my account is canceld with no explanation. Let me add these very relevant facts : My scores are high ; never had a late payment perhaps ever ; not utilizing but a small fraction of what the high credit was ; no changes in income or debts ; no court filings, etc. My husband was in XXXX  for 39 years and between the two of us, this is totally inexplicable. 

I feel I am being damaged by possibly having a lowered store if the creditor closed the account AND I am now limited to adding to my Jet Blue points for travel. I don't know of any reason my card was not renewed and believe it is not deserved Thank you for any assistance you can provide.

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 2021-04-10
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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Omega RMS, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed for a option trading course with XXXX XXXX XXXX in XX/XX/XXXX which they charged {$2900.00} paying, I paid {$600.00} Down and {$86.00}. a month. I invested {$5000.00} to start my account they claimed a 68 % successful trades. The trainer and owner XXXX XXXX recommended trades each day. I wasn't having success. Got a call from ( XXXX ) convincing me to come to XXXX and train, they guaranteed I would make money after the training. 
Went to XXXX on XX/XX/XXXX with about 8 others from across the US. Complete waste of time I also learned he did not research for a trade just pull I informed them I was not happy and wanted to cancel. I was told I owe the balance. Omega RMS is the collection Agency. OMEGA said I owe {$10000.00}, for a debt I signed for {$2900.00}. On XX/XX/XXXX I sent a certified letter requesting document that state I signed for a {$10000.00} debt. I moved to XXXX did not get the mail call and advised Omega to resend the information gave correct address. Received the mail nothing about the sum of {$10000.00}. only signature for {$2900.00} debt. I am attaching the copy of mail I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to 3 Credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means 3 credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX XXXX {$150000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00}, XXXX XXXX XXXX Date XXXX Balance Owed : {$1800.00}XXXX XXXX XXXXXXXX Date Reported : XX/XX/XXXX Balance Owed : {$18000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

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 2021-04-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt numerous times with Portfolio, and I continue to be harassed. I demand they pay me {$1000.00} for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: Experian Information Solutions 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:
Became aware of account with XXXX XXXX XX/XX/2022 - Submitted a identity theft fraud affidavit to the federal trade commission report number XXXX. 

Item still remains on my credit 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 non-monetary relief
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: WI
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. 
XXXXXXXX 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 inaccuracy.

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 2021-04-10
Company: BANCO POPULAR DE PUERTO RICO
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
I was. Contacted via text from a guy stating he was a Fiancial rep for XXXX XXXX XXXX XXXX extension XXXX. He gave me the loan the filling morning XXXX. However, he told me I needed to send XXXX back for verification purposes and then he would fully release the funds. He then withdrew the XXXX and took the XXXX. This is a total con XXXX XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, XXXX XXXX, EQUIFAX willfully continues to violate the FCRA by reporting Transactions on my report. law 15 USC 1681a ( d ) ( 2 ) ( i ) clearly states that transactions between consumer and the person/ corporation making the report are not included on the consumer reports, but yet XXXX continues to break the law willfully and report the transactions on my consumer reports. 

From what the Law states you are in VIOLATION OF THE FCRA XXXX XXXX COMPLIANCE And reporting violations.

15 USC 1681a ( d ) ( 2 ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( 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 ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUN

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 2022-10-27
Company: Grain Technology, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I signed up for grain XXXX years ago and paid into the account. I filed for withdrawal XXXX  months into it. I have then begun to follow up in the last XXXX  months to once again claim the funds owed, while they continually charge me for the " service ''. 

I have gotten no response from them at all from all of my emails but they keep emailing me saying that I owe more and more money. 

This has also damaged my credit report greatly. 

The e-mail attached to the account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: MD
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  XXXX Balance : {$570.00} ; XXXX XXXX XXXX XXXX  XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: The Law Offices of Jennifer McCoy, PC
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX unauthorized and fraudulently placed an item on my report that does not belong to me. I do not know this company and have no knowledge of any debt owed to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - 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 : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY!

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 2023-09-19
Company: EQUIFAX, INC.
State: FL
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'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping thatXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 these disputed items get corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: Omnipoint Capital
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Omni has been calling my family members including my ex-husband and father about a debt that neither of them are connected to. This is harassment and designed to embarrass me. It needs to stop. They have also been calling me at least 6 times a day

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX  has been fined for identity theft fictitious loans schemes against victims of identity theft fraud financial crimes. 

The XXXX XXXX  has used the government offices, government resources and government employees to aid fictitious loans schemes against properties withholding information from CFPB ORDERS AND REMAINING IN CONTEMPT OF CIVIL PENALTY RELIEF FUNDS TO VERIFIED VICTIMS. 

XXXX XXXX  are using subsidiaries : Rushmore Loans CA XXXX XXXX XXXX TX AZ XXXX XXXX  XXXX XXXX XXXX TX plus XXXX and XXXX XXXX XXXX  OF XXXX FLORIDA The parties hired by XXXX XXXX  ignore consent decrees of civil penalty relief, they threaten me, and conceal evidence of fictitious loans, victim of identity theft, title theft crimes and financial crimes to unlawfully seize my property. 

The parties use government resources and ignore regulations of CFPB AND ACT LIKE AGGRESSIVE DEBT COLLECTORS FOR PROFIT AND TO REMAIN IN CONTEMPT OF CONSENT ORDERS FILED BY CFPB XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX minutes ago ) to me, XXXX XXXX afternoon, I am coordinating the hearing for the Motion for Summary Final Judgment, please review the below hearing dates. 

XX/XX/XXXX ( Monday ) XXXX XXXX  XXXX min XXXX XX/XX/XXXX ( Tuesday ) XXXX XXXX XXXX min XXXX XX/XX/XXXX ( Tuesday ) XXXX XXXX   XXXX min XXXX XX/XX/XXXX ( Wednesday ) XXXX XXXX  Please note if we dont hear from you by the end of the day Monday, XXXX we will be moving with setting it at our convenience Thank you XXXX XXXX Legal Assistant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX Tel : XXXX EXT XXXX Fax : XXXX

Company response to consumer: Closed with explanation