BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-18
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I disputed this a number of times, directly with the debt collector and XXXX. I can not get even a basic statement of my account prior to the sale to XXXX XXXX XXXX from the original lender, nevermind any of the other things requested. 

The dispute is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, via XXXX XXXX, and XXXX. The latest dispute with XXXX was dispute XXXX opened via XXXX XXXX on XXXX XXXX and disputed again on the XXXX of XXXX. The amount in question being {$1000.00}. The date and amount are in dispute. I would like to bring your attention to the following : a ) The amount that XXXX is attempting to recover is not correct. I specifically requested proof of the transactions from XXXX  including the amounts that constitute this debt and the interest that was charged. No proof was provided by XXXX ; b ) The dates of the transactions and therefore the age of the debt. I specifically requested proof of the dates that XXXX asserts these transactions occurred, and when any payments were made. No proof was provided by XXXX. 
c ) I specifically requested proof of ownership of the debt from XXXX and that they were the final holder of this debt. No proof was provided by XXXX. 
d ) I specifically requested a copy of the signed legal contract that this debt was originated under. No legally binding contract was provided by XXXX. 
e ) XXXX themselves state in their response to me the seller provided an electronic file of its business records, while providing no further evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: U.S. BANCORP
State: NC
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:
On XX/XX/2023 a credit account was opened in my name by someone other than myself at US Bancorp ( US Bank ). I caught it almost immediately and I contacted their fraud department. After a brief investigation, I received a letter from the company 's fraud department on XX/XX/2023 stating " The account in your name has been closed '' and " we have notified the consumer reporting agencies to remove the account from your consumer credit report ; however this process could take several weeks to be fully completed ''. 
On XX/XX/2023 I noticed that the Inquiry on my XXXX credit report was still there so I filed a dispute. XXXX sent me a report stating that " inquiries are a factual record of file access ''. I then contacted the fraud investigator at US Bancorp ( I have the case number and her contact info if needed ). She said that the case has been closed and that her records indicate that a request to remove the credit inquiry was already sent to XXXX and there is nothing else that she can do. 
I then filed a 2nd dispute with XXXX explaining the situation and sent them a copy of the letter I received from US Bancorp 's fraud department. This morning, XX/XX/XXXX, I received the same report from XXXX " inquiries are a factual record of file access ''. 
I called XXXX and they said that when you file a dispute online, it is sent to the creditor to confirm or deny. From what I understand, US Bancorp is confirming that the inquiry is legitimate- I am assuming it is a different department and they still have it in their system. XXXX told me that they wont do anything to help me remove the inquiry without supporting documentation. This is very frustrating since I already sent them the fraud letter. Their recommendation was to file a report here. I am not really sure where to go from here.

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 2023-07-11
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding LLC- I've repeatedly asked that this debt be removed from all credit agencies, as I do not know of this account. They continue to report and defame my name and credit worthiness causing serious personal harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Prince Parker & Associates
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
They are calling all my family members everyday. They are also tells them that they are law enforcement and saying they are gon na take legal court action and even XXXX They are telling my family that they are gon na go to their houses and then to my job. They call everyday harassing. My family blocks them and they still keep calling

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: OH
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:
CREDIT DISPUTE LETTER XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( Confirmation # XXXX ) XXXX XXXX XXXX, XXXX, GA XXXX Experian, XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX ( File # XXXX ) XXXX XXXX XXXX, XXXX, PA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX XX/XX/XXXX Re : Disputing wrongful credit reporting on my credit report Reporting debt as closed when it was paid it in full. 


Dear XXXX, Experian, XXXX. 

I am writing to request the investigation and correction of XXXX XXXX XXXX XXXX. 

Account Number : XXXX Vehicle : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX This account was paid in full as of XXXX/XXXX/XXXX The following account is reported as Closed on my credit bureau report XXXX 

This has negatively impacted and affected my credit score which you dropped XXXX point from my credit score, because of your reporting. 



I am writing you to dispute this error of reporting my account with XXXX XXXX XXXX XXXX. 

This account should reflect Paid in full ( Not Closed ) Please reverse the negative XXXX points, and add XXXX points back to my score this account was paid off early NOT CLOSED. 

I have enclosed additional documentation to support my claim, Please note, I am a valued customer of XXXX XXXX XXXX XXXX. 

Review enclosed letter from XXXX XXXX XXXX XXXX stating that my account was PAID IN FULL XX/XX/XXXX. 


Please let me know how long this will take you to reverse this error. 
I thank you for your assistance and look forward to hearing back from you. 

Sincerely, XXXX XXXX CC 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 2018-11-02
Company: EQUIFAX, INC.
State: SC
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 filed a dispute with XXXX, XXXX, and Equifax credit bureau. They failed to investigate my dispute. They did not tell me how they verified this information listed on my credit file. I sent a letter to the bankruptcy court regarding this public record and bankruptcy sent me a letter stating that they dont share personal information regarding bankruptcies with 3rd party organizations or credit bureaus. XXXX has told me they verified this public record but they did not tell me how they did this. I asked for a validation and they did could not provide me with any information. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that credit bureau disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that credit bureaus is reporting in my credit report. I asked them to send me copies of the documents that they have on files that were used to verify them. Then I requested that if they do not have any documentation in their files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I am disputing the item on my credit report XXXX XXXX   Account Number XXXX this account was never late, and also was paid by me, and XXXX XXXX XXXX Company my insurance company the account should be paid, and closed. The car was totaled XX/XX/XXXX it was a bad accident, I had full insurance coverage and, Gap.

My insurance company Paid XXXX on XX/XX/XXXX I paid XXXX  on XX/XX/XXXX I made payments since XX/XX/XXXX tellXX/XX/XXXX in the amount of XXXX  thats a total with all payments made by me and, my Insurance company XXXX  also I have gap through XXXX that included total loss plus GPS XXXX  WARRANTY which I only got to use the GPS for nine months, and never used any warranty 's, as the car was totaled XX/XX/XXXX, I paid XXXX  for XXXX plus XXXX for GPS. Which was told by XXXX XXXX that will be applied to my balance.

The reporting of this should be paid and, closed with a XXXX   balance, and never late. Please correct this issue, I am requesting an investigation into the late payment in XX/XX/XXXX as, my bank sent them a Teller Check for way more than my monthly 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 explanation
Consumer complaint received 2023-06-14
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-07
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: FREEDOM FINANCIAL NETWORK
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I sent the company Achieve Loans a cease and desist letter to stop contacting me and they are still harassing me everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
A few weeks ago, I was completely locked out from my Venmo account. After submitting a complaint on this platform, I got a call and I was able to login on the app after about XXXX weeks. I am still having a problem logging in on a website or having a connection from 3rd party application - XXXX XXXX XXXX XXXX. I am getting XXXX error. It is critical for me to access Venmo from a browser and have a connection from XXXX products. Venmo is not communicating about the ongoing issue and there is no estimate for when it will get fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On  XXXX / XXXX /17 we were contacted by someone who claimed to be from the United States Department of Health and Human Resources stating my boyfriend was eligible to receive {$12000.00} from the Obama stimulus package. He said we had to pay an activation fee and taxes totaling about {$1100.00} with gift cards. We were told at the end of the call after we purchased the cards and gave him the codes on the back that we had just been scammed. We immidiatly made a police report and called the bank. We went to the bank and they filed an investigation. The bank manager said she was going to make some calls to get our money back because it was frodulent circumstances. We have made several calls to the bank never receiving a response. We reached the manager once and she said she would call us back that following Monday and never did. They have completely ignored us but told us twice they would replace our debit cards and did n't do that either. The purchases should have been flagged as suspicious. Our money is supposed to be guaranteed by the Government and we should have had it back by now. We were unaware that it was fraudulent but the bank should have caught it. Instead they act as if we do n't exist which is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Improper use of my report. Shared without consent, credit inquiries from unknown sources. I want the CFPB to : In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights, 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B, A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for not purpose. 
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 2021-04-14
Company: Happy Money, Inc.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a loan with Payoff loans. I paid the loan bi-monthly. Payoff misapplied loans and caused the account to look as if payment was 30-59 days late. This caused my credit score to drop 89 points. I contacted XXXX and they corrected the problem. I paid the balance in full in XXXX 2021.The account is closed.

The problem is Payoff is reporting incorrectly AFTER this was reported incorrectly in XXXX and corrected by XXXX Last week, Payoff reported this account that has been closed since XXXX past due AGAIN with XXXX I had to file another dispute with XXXX  for the same issue. This is impacting my credit score and preventing me from securing credit elsewhere. How many times do I have to watch my score boomerang

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Having issued with the  XXXX  credit bureau 's.  XXXX  place a Fraud Alert on my credit account. I contacted   XXXX   via fax, to remove the Fraud Alert. I was told that it would take up to 48 hrs. for removal, I also contacted Experian and  XXXX , was it would be removed by the end of the business day. Around the beginning of  XXXX  I contacted   XXXX   again requesting the removal, I was giving a case number of  XXXX  and a conformation number of  XXXX  stated from them that the Fraud removal was done. I contacted the other   XXXX    agencies requesting the same, I was told by  XXXX  agencies that they could not remove the alert until  XXXX  remove it. Contacted   XXXX    again requesting the removal, was told that the alert was removed and that he would put in another request in because I could still see the alert attached to the account that was monitored through them, given the conf. no.  XXXX . also mailed in a request on   XXXX   XXXX  ,2017. as of today the Fraud Alert still stand on the accounts. Today I received correspondence 's from Experian and  XXXX  stating that I requested an Extended Alert to be place on the account, to which I placed no such requested. Contacted the bureau 's was told   XXXX    and a third party requested  XXXX / XXXX /17 and  XXXX / XXXX /17

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 2019-08-17
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: Account status incorrect

Complaint:
I am uncertain as to WHY these late payments are present on XXXX XXXX I must request under the terms of the Fair Credit Reporting Act, and Fair Credit Billing Act of 1975 that you provide me with an audited statement of my account for the last 2 years..If you can not supply, please remove this inaccurate information from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
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: Reporting company used your report improperly

Complaint:
hello my name is XXXX XXXX I recently went to purchase a car thinking I had a blank credit report because I have never used my ssn to obtain anything other than my house in my name. they informed me in the dealership that my credit score was mid XXXX. a shocker to me. I created a XXXX XXXX account to check my credit and there were several fraudulent accounts reporting on my report. I notified my local police department and filed a complaint with the ftc. I would like the following inquiries listed below removed from my credit report as they as fraudulent and I do not know who opened them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion

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 2023-05-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Wells Fargo has put a hard hold on my 4 accounts and will not give me my money in the accounts. There has been no reason as they have decided to do this and will not tell me why.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Maximus Education, LLC dba Aidvantage
State: NJ
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:
USC 15 1681a ( 2 ) ( i ) states that It is illegal to report transactions or experiences on a credit report.

All alleged late payments and other transaction and experiences must be removed and ceased to being reported.

Company response to consumer: Closed with explanation