BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: CO
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: CHARLES SCHWAB CORPORATION, THE
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX issued me and my ex-wife a check ( # XXXX ) in the amount of {$15000.00} in XX/XX/2020. The check has both my name AND her name on it. 

However, Schwab bank improperly deposited the check to her " personal '' account without my endorsement at the back on XX/XX/2020. The money belongs to a loss claim of a house that was awarded to me in the divorce. As of now, the money is still in her account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capital One is reporting my personal non-public information to the credit reporting agencies in violation with Federal and State laws detailed below : Based on 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA and Texas Penal Code, Title 7, Chapter 32, Section 32.51, Capital One has committed Identity Theft against me by reporting my private non-public and personal information to consumer reporting agencies without my consent or any lawful authority. 

15 USC 6802 ( e ) ( 6 ) of the Gramm-Leach-Bliley Act confirms that financial institutions may only share information to consumer reporting agencies in accordance with the FCRA.

15 USC 1681 ( d ) ( 2 ) ( i ) of the FCRA regulates what can be included in a consumer 's report and it confirms that transactions and experiences are to be EXCLUDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I believe in XXXX  I opened a loan with Seedfi that was offered as a grow plan. You technically borrowed a certain amount but only received half while the other half went in a savings account. In XXXX Seedfi transferred these loans to a provider called XXXX. XXXX never had information about the savings account as it still shows locked with Seedfi. I paid off my loan on XX/XX/XXXX of this year and that starts the process of getting the money that is rightfully mine that I had to pay interest on for almost 2 years. I called today 10 days after payment and was told that when customers pay off the loan they are put on a waiting list to receive their funds. This process takes 22 days is what I was advised. Besides the fact that the company charged interest on money never received during the loan process and now holding the money after loan is paid off with no interest paid to me the customer who has had a savings account that actually lost money. I want them to acknowledge that this practice of holding on to the customers account for said amount of time is wrong when they fully know that payment was made, always on time and the final payment cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Section 803 ( 6 ) which states that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. ", " XXXX XXXX XXXX , XXXX '' hereinafter referred to as " XXXX XXXX XXXX XXXX '' is a debt collector. On behalf of XXXX XXXX XXXX XXXX, debt collector XXXX XXXX XXXX filed a lawsuit ( Civil Action No. XXXX XXXX XXXX XXXX ) in XXXX County State Court indicating that he is an attorney which is false and misleading pursuant to FDCPA Section 807 ( 3 ) on XX/XX/2019, on behalf of " Cavalry SPV, I, LLC '' hereinafter referred to as " XXXX XXXX  '' who is a debt collector pursuant to FDCPA Section 803 ( 6 ). On behalf of the XXXX, I was served a summons by a court process server which was unauthorized third party communication to the consumer pursuant to FDCPA Section 805 ( b ). On behalf of the LLC, the court process server violated FDCPA Section 807 ( 11 ) by not disclosing in their initial communication with the consumer " that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose ''. Cavalry SPV, I, LLC ( the LLC ) has violated my rights as a consumer by violating several sections of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-10-27
Company: EQUIFAX, INC.
State: GA
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. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX # XXXX Account name : XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) # XXXX, Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) # XXXX Account name : XXXX ( Original Creditor : 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 inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have a debt collection report the original creditor is XXXX cable. They are alleging it is for an early termination fee on a closed account however I signed up online for a NON CONTRACT plan using my debit card on their website. The equipment was mailed to my door no paperwork was ever signed. I did not electronically sign any contracts on their website when I signed up either. I reported the same exact dispute to all 3 credit bureaus and XXXX deleted the item off of my credit report because there is no record of any contract however Experian refuses to delete the item from their report despite the lack of evidence for their decision.

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 2023-07-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company is sending me information I already have only 2 statements. Im asking them for the entire complete statement for this credit card. I also sent them the hardship form they sent. They sent me the same thing over and over. I NEED THE ENTIRE STATEMENTS YEAR BY YEAR NOT ONLY 3 piece of statements.If they bought this account they should have all the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a dispute letter last month requesting that you remove the following inaccurate accounts or that you update the inaccurate information, and it was ignored. I would like to know what your method of verification was as well as the documentation to prove you performed an independent investigation. 
Where is the proof this investigation was done? Why cant you send it to me? I am re-disputing these accounts. 

XXXX  XXXX XXXX delete this account for inaccuracy because the high balance is {$350.00}, and {$0.00}, last verified date XX/XX/XXXX for XXXX and Experian has No date reported. 
The date of last activity for XXXX XX/XX/XXXX, for Experian XX/XX/XXXX, Date reported for XXXX XX/XX/XXXX, and Experian XX/XX/XXXX Date opened for XXXX XX/XX/XXXX and Experian XX/XX/XXXX Closed date for XXXX XX/XX/XXXX and for Experian there is no date at all. 

XXXX XXXX Last verified by XXXX XX/XX/XXXX, Experian no date, XXXX XXXX date, Date of last activity XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Date reported is inaccurate XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX, The date opened is inaccurate XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX, Balanced Owed is inaccurate XXXX {$5900.00} Experian {$5900.00}, XXXX {$6300.00}, Creditor Type : XXXX has Finance/Personal, Experian Auto Financing XXXX XXXX XXXX XXXX  XXXX this is inaccurate. 

Last Payment is inaccurate XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX, Term Length XXXX 62 month, Experian 62 months, XXXX has no term reported, Last payment XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX XXXX Past Due Amount : XXXX {$1500.00}, Experian : {$1500.00}, XXXX : {$1000.00} Please Block and delete this account for inaccuracy Please send me a new credit report Thank You

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 2022-11-07
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items with each bureau on XX/XX/XXXX2022 and on XX/XX/XXXX2022 and they did not remove the items. 

Sec. 602 States I have a right to privacy, XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Errors on report were not deleted after multiple disputes.

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 2020-07-21
Company: Experian Information Solutions Inc.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2022-11-07
Company: EQUIFAX, INC.
State: MS
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'm not a third party In accordance with The Fair Credit Reporting Act the list of accounts Below have violated my Federal Protection consumer right, and are not completely accurate as the law requires. 

15 US.C 1681 Section 602 ( a ) ( 4 ) states that we have right privacy.

15 USC 168 ( a ) section ( 2 ) States Consumer can not furnish my account with out written instructions.

Also according to U.S.C 1681n ( a ) ( 1 ), any actual damages sustained by the consumer as a result of the failure of no less then {$100.00} and not exceed {$100.00}.

XXXX XXXX XXXX XXXX XXXX Last verified or different with the three credit bureaus, also the date of last activity. 2 violations. 

XXXX  accounts # XXXX Last date of activity difference on the three credit bureaus also the date of opening is different. 2 volations XXXX XXXX account # XXXX Last verify doesn't match the 3 Bureau also the date of last active and the date of opening. 3volations. 

XXXX # XXXX XXXX verify, date of activity date of open date of closed, does not match the three credit bureau.XXXX XXXX XXXX Accounts XXXX XXXX, XXXX Date of last activity, and date of open. 2volations XXXX XXXX XXXX XXXX Last verified and date of last activity and date of open. 3 volations Total volations 16

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: NJ
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: TX
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:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries

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 2023-05-03
Company: Aldous & Associates, PLLC
State: FL
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 sent a cease and desist to ALDOUS and gave clear written instructions to remove themselves from my consumer report with 4 business days from receiving my notice however they keep referring to the communication as a " dispute ''. i know they are breaking a lot of federal laws especially where the federal law states that an attorney can not be debt collector yet they are trying to collect an alleged debt as a third party debt collector. they are failing to follow very simple written instruction which they have been on notice for more than a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Spring Oaks Capital, LLC
State: PA
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 on several occasions reached out to ask this company to verify a debt, they claim belongs to me as me and my son have the same name. He is a junior and I am senior. Thye continue to say its verified and I ask for something to prove this. I have yet to receive anything from them. Please send something verifying that this account belongs to me or remove it from all my credit reports. 
Please do not continue to ignore this request. I dont want something on my credit report that doesnt belong to meet and continues to hurt my credit. 

Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In accordance with the Fair Credit Reporting Act. The bankruptcy reporting has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Transunion to reinvestigate the bankruptcy they are reporting .However, they stated everything was verified and accurate. But how is that possible if I have a letter from the courts stating they didn't report my information. I have also attached the letter from transunion stating they verified the bankruptcy with the court ( which they are lying and breaking the law ) According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 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