BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-02
Company: LDF Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
One of Bridge Lending Solutions ' representatives, XXXX ( no last name provided ) contacted my workplace by phone call on XXXX XXXX, 2022 at approximately XXXX XXXX  PST, and identified the debt collector as Bridge Lending Solutions. The phone number used to contact my workplace on this occasion was XXXX. 

Furthermore, the telephone that Bridge Lending Solutions called was located at the receptionist 's desk. XXXX ( no last name provided ) left a message with the receptionist for me to call them back and disclosed that it was in relation to a debt. 

I know my rights and I know that publicizing a debt by contacting a borrowers employer is considered a direct violation of the Fair Debt Collection Practices Act, 15 USC 1692 et seq. If this happens again, I will be forced to contact the police.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: CA
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:
I sent a written request via certified mail to EQUIFAX requiring that they remove numerous inquiries from my credit report which are being furnished in violation of federal law to begin with. These inquiries are contributing to an immense amount of stress in my life and prohibiting me from conducting consumer transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I contacted the company and told them i was a victim of identity theft. here adoes not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX Balance {$130.00} XXXX, XXXX XXXX XXXX  Balance {$270.00} # XXXX, XXXX, XXXX {$440.00} # XXXX, XXXX XXXX {$1300.00}, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXMidland Cred {$830.00} # XXXX XXXX XXXX XXXX {$1400.00} XXXX re the company . I attached a copy of credit report as well. i could not attach on the next page

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: MO
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 express my deep dissatisfaction and frustration concerning the multiple unsuccessful attempts to remove fraudulent items from my credit report. I believe that these inaccuracies are adversely affecting my creditworthiness, and despite persistent efforts on my part, the resolution of this matter remains elusive. 
I submitted formal disputes through your online dispute resolution platform, providing comprehensive details and supporting documentation to substantiate my claim for the removal of fraudulent items. Unfortunately, these submissions have not resulted in the desired corrections, and the fraudulent information persists on my credit report. 

The existence of these fraudulent items has had a severe impact on my ability to access credit, secure favorable interest rates, and engage in essential financial transactions. I have diligently followed the prescribed procedures, including contacting your customer service department on multiple occasions, yet the promised resolution has not materialized. 

I understand the importance of accurate credit reporting in maintaining the integrity of the financial system, and I am committed to resolving this matter promptly. However, the repeated failures to address my concerns have caused significant distress and hindered my financial well-being. 

In light of the above, I am requesting an immediate and thorough review of my case. I expect a comprehensive investigation into the fraudulent items on my credit report and the swift removal of any inaccuracies found. Furthermore, I request regular updates on the progress of this matter and a clear timeline for resolution. 

If decisive steps are not taken promptly to correct this situation, I will be compelled to escalate this complaint to regulatory authorities and explore legal avenues to uphold my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: FL
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-15
Company: EQUIFAX, 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX XXXX has violated this law because this late payment is reporting on XXXX and TransUnion. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX XXXX has violated this law because this late payment reporting on XXXX and TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX XXXX has violated this law because they furnished this EXPERIENCE to XXXX and TransUnion and I didnt give them permission to do so.

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 2022-10-17
Company: OPORTUN FINANCIAL CORPORATION
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have made 6 ontime payments with oportun and my payments are not paying the loan balance off. This company is in violation of the state of Oregons predatory lending laws. When I try and communicate with the company I get someone who barley understands english and can not explain or help me. this has created a situation where it doesnt seem that the loan will ever be paid off and I can not afford to pay {$230.00} a month for the rest of my life. I currently reside in Oregon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I applied for a job that advertise companies by putting a sticker on your car and driving around They sent me a check for XXXX so I can pay the person to install the sticker and deduct XXXX for my first week payment the same day I received the check I used my bank app to deposit the check I had already XXXX dollars in my bank then I woke up the next morning with XXXX I dont know I would be negative please help me I really thought I was applying for a legit job.

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2023-07-20
Company: EQUIFAX, INC.
State: TN
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:
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.

has violated my rights. Or list of inquiries 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 2019-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I have contacted the FTC and local police department. I am now reaching out for your help with this issue. I need this items deleted from 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 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 2023-05-15
Company: EQUIFAX, INC.
State: MO
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 recently received my credit report and noticed violations under the 15 US Code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( 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 instructions of the consumer to whom it relates. Meaning that if you do not have or have gotten any instructions from me ( THE CONSUMER ) to furnish an account on my report, it should not be there. That is a violation.I never gave written instruction to furnish any of these accounts. Secondly, according to 15 USC 1681. The law clearly states : 1. Accuracy and fairness of credit reporting.

2. There is a need to ensure that consumer credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy ( ME ).

The following accounts are inaccurate and in clear violation of my privacy which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As a consumer, I want the following accounts to be DELETED from my credit report IMMEDIATELY : XXXX. XXXX - Account # XXXX XXXX. XXXX XXXX XXXX - Account # XXXX XXXX. XXXX XXXX - Account # XXXX I DID NOT GIVE WRITTEN INSTRUCTIONS TO REPORT ANY OF THESE ACCOUNTS TO MY CREDIT REPORT. 
These offenses add up to Aggravated Identity Theft and Reporting Outdated and Inaccurate Information, also lying about debt validation. Pursuant to 18 U.S.C. 1028a You have knowingly possessed, used, and transferred my personal information without my permission this is a felony punishable by two years imprisonment in addition to civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After various attempts to resolve the issues had with Capital One, they continue to cause detrimental harm to my reputation through oppressive and coercive means. I have provided documentation of billing errors, requested the cessation of utilization as it is against XXXX XXXX XXXX ( d ) ( XXXX ) ( A ), and to opt out of nonaffiliated third party reporting but to no avail, Capital One has blatantly and intentionally denied and deprived my consumer rights. Capital One has violated my consumer rights against the FCRA, TILA and the GLB Act. PLEASE SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 Bank of America placed my business checking account in a credit only status to where I could receive payments from my clients however I cant withdraw or use my debit card or write checks out of my account. I never received any notice in the mail about this. I was told this information when I went inside the bank to do a transaction to pay a vendor for business that I couldnt do the transaction. Inside the branch I could get no help because they are saying they have no idea why or how this happened. So I was told I have to call Bank of America back office for help. So everytime I call they wont speak with me over the phone they are telling me I have to go inside a branch and have the branch call on my behalf. So I go inside the branch everyday to get help and they told me 3 to 5 business days to have my account back to normal however it has been over 13 days at this point. Bank of America is stealing my money at this point. My truck payments are due for my business which I cant pay because of this. My kids I cant feed them because of this, I have no money to live because of this, I have nothing and Im losing everything and Bank of America isnt helping. I have been inside the branch speaking to a manager XXXX XXXX XXXX in XXXX Georgia XXXX Email : XXXX The name of my business is XXXX XXXX XXXX XXXX located in XXXX Georgia. At this point I just would like to close my account with Bank of America and have my funds released to me before I lose everything I have behind this because I have no access to my funds! They have no right. They didnt inform me any of this! I need help! Please help me please.

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 monetary relief
Consumer complaint received 2020-12-16
Company: PNC Bank N.A.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
It all started on XX/XX/XXXX, around XXXX. XXXX from PNC collection agency called my place of employment. My coworker text me and he left a message for me to call him back. I called XXXX around XXXX, asking to state the purpose of the call and why did he call my place of employment. He asked me to prove my identity and I'm told him absolutely not because I did not know what the call was regarding. I told him that I would not identify myself until he told me who he was, company he worked for, and what was the purpose of the call. He become unprofessional and hung up on me. 

Next call was from a lady name XXXX, she was a little more helpful. She did explain that she could not tell me what the call was regarding due to laws, however, I did tell her until I know what the call was regarding I could not say yes or no to identifying myself. We went back and forth for a while until she decided to tell me what company was trying to collect said debt. It was XXXX XXXX loan. We worked out an arrangement and she was going to get back to me .I asked for a settlement of XXXX, XXXX XXXX wanted XXXX plus, and I was going to pay XX/XX/XXXX On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX called to follow up XXXX XXXX and I arrangement. We discussed another settlement in the amount {$800.00}, he said he would call client XXXX XXXX to ask for that amount. 

PNC called me back several times after ( I have voicemails ) and today XX/XX/XXXX, I was finally able to call them back and XXXX answered. She told me company will settle for {$1000.00} and to get some type of card on file for the XX/XX/XXXX payment. I told her that I am not putting card on file and that we can take care of everything next month. She said that I would have to speak with her manager. I said ok. 

XXXX get on the phone and proceeded to say that he was unaware that I was going to pay in XXXX. I told him yes, that was the arrangement. He said he would not be able to accept that because it a month out and it needed to get taken care of this month. I told him that was not possible. He asked if I could pay {$72.00}. I said, no. He begin to say that the offer would not exist next month and I told him to give me a call next month and we can work it out then. He then got upset, his tone changed, and his volume raised. So did mine. We went back and forth for a couple minutes. I asked him what is he trying to accomplish by taunting me about not paying anything today. He said that there would be a lawsuit and what not and I said, " if it has to be one then ", ok bye.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation