BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 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 Balance : {$820.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$220.00} XXXX XXXXXXXX Balance XXXX {$6800.00} XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX : {$530.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$94.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXXXXXX Balance XXXX {$6800.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$94.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$94.00} XXXX XXXX Balance : {$1000.00}

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 non-monetary relief
Consumer complaint received 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I have attached a documents that clearcly shows inaccuracies, specially the reported payment history.

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 2022-05-16
Company: Army and Air Force Exchange Service
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights.

15 USC 1681 Section ^02 States I have the right to privacy.

15USC 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 creditors may not treat a payment on a credit card account under an open consumer credit plan as late for card purpose.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: NJ
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/ and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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 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 explanation
Consumer complaint received 2023-12-08
Company: Dave Operating, LLC
State: MA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was checking my XXXX credit report, when I came across an unauthorized line of credit on my report, I remember going on the website, to check and see if I would qualify, though I never authorized this company to preform a hard inquiry on my credit report. 

Dave/XXXX XXXX Date of inquiry : XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: NY
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 XXXX  Account Name XXXX XXXX XXXX and Account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Experian Information Solutions Inc.
State: MS
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 have been disputing incorrect, outdated, obsolete and erroneous negative information on my credit reports since XX/XX/2021 from Experian and they continue to update the information and report it as fraud. I requested that they delete and remove and inaccurate information from my credit reports, but they keep reporting the information as accurate and verified AFTER the agency reporting the information corrected the incorrect information being disputed. According to the Fair Credit Reporting Act, the credit bureaus are supposed to remove any inaccurate information and report it 100 % correct. I did factual disputes and found many accounts reporting negative information on my reports causing me to have a lower credit score resulting in denial for credit and higher interest rates. I believe I am being unjustly discriminated against because of this XXXX XXXX verifying system. I would like for these negative accounts that I have challenged and disputed, and continue to dispute and challenge, over the last several months be removed from my credit report. To put it bluntly, it is like Experian, XXXX and XXXX are purposely allowing this negative information to remain on my report. It is almost useless to use the disputing process as prescribed by law if it will not be followed by the credit bureaus.

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 2023-05-14
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:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter that I believe to be an inaccurate reporting on my credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX I am confident that this is an error and wish to formally dispute it, hoping you can assist me in this matter. 

The issue pertains to a lease account that I had with XXXX. Throughout the course of the lease, I consistently made my payments on time, ensuring my financial responsibility was upheld. However, it has come to my attention that XXXX reported negatively against my credit report, which, given my payment history, I believe to be erroneous. 

To further complicate matters, XXXX delayed in closing my lease account by a month, even after I had settled the final bill. This delay, coupled with the inaccurate reporting, is having an unjustly adverse effect on my credit score, which I am earnestly trying to maintain in good standing. 

I wish to emphasize that I have always upheld my financial obligations with due diligence, and this can be validated by my payment history. I have receipts and bank statements to demonstrate that I made payments on time, and I am prepared to provide these as evidence if required. Furthermore, the payment for the final bill was made promptly, and I have documentation to verify this too. 

The misreporting by XXXX has caused me undue stress and financial hardship as it directly affects my creditworthiness. I believe this issue may simply be an administrative error or oversight, but its impact is far from trivial. 

Given the evident discrepancy, I kindly request that the CFPB intervene and assist in rectifying this issue. The inaccurate information should be removed from my credit report, the account should be marked as closed, and my credit score should be corrected to reflect my actual credit history. 

I appreciate your immediate attention to this matter and am hopeful for a resolution that aligns with the factual information. I believe in the fairness and efficiency of the CFPB and trust that you will handle this situation with the utmost care and urgency. 

Thank you for your time and consideration. 

Sincerely,

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 2022-05-16
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:
Portfolio Recovery Associates has failed to verify a debt in a response letter ( letter is attached ). It is alleged that I owe {$650.00} to XXXX XXXX. I don't owe {$650.00} to XXXX XXXX and Portfolio Recovery Associates has failed to verify/prove this claim. They sent some generic " validation '' letter but they didn't verify ANYTHING. They don't have any supporting documents, signatures, etc from XXXX XXXX. They bought a debt for pennies on the dollar from XXXX XXXX and is now attempting to make a profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX  I was behind with my payments of my mortgage. The amount was XXXX. I explained the mortgage what happened and they considered and said that a modification was a good thing to do. I send the paperwork that they asked me even I told them my hardship and said yes. You can qualified and always asked for paperwork that wasnt easy to get, I mean to the same week o the month and the balance was increased. My situation was serious and no answer for them they transferred my mortgage to other company, believe me was a nightmare they did this to hard. I read in a law code that a mortgage can consider a low payment until the person get recovered can do the same payment as used to do. But no., never applied the law for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: CURO Intermediate Holdings
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
2013 online loan was made and paid. Then next loan was made and payment withdrawn early from my bank account. I contacted the comptroller who wrote a letter stating that the contractual agreement was broken by XXXX  and had the funds returned to my bank account. The letter was presented to my bank. My bank suggested closing the account after multiple attempts were made by XXXX to collect. XXXX continues to try to collect this payment and late fees and bars me from any of their establishments and affiliates. 

On today, I was given this collection letter with this address Ad XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX N. XXXX XXXX, XXXX, Kansas XXXX. They also operate under XXXX XXXX XXXX, XXXX, Kansas XXXX. This address was given to me by the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: PNC Bank N.A.
State: MS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
PNC Bank Re : Letter dated XX/XX/2018 to me Received XX/XX/2018 Informing of three consumer accounts all opened on XX/XX/XXXX With accounts ending in : # # # #, # # # #, and # # # # On calling the XXXX assistance numberin order to get assistanceI was required to provide my social security number over the phone or go to a PNC Bankwhich dont exist anywhere near me. I NEVER give my social security number out over the phone. Three accounts on the same day?! They should have been flagged and put on hold until they were verified. I want to know how they were opened. 

I was given the following address to write to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX. In the meantime what are these accounts being used for and for what other fraudulent purposes? 

Please CLOSE THESE ACCOUNTS and find out how they got opened in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 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 an account without my written instructions.

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 2022-05-16
Company: EQUIFAX, INC.
State: OH
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, XXXX XXXX ( Account # : XXXX ) has violated my rights. 

15 U.S.C. 1681 Section 602 ( A ) states that I have right to privacy.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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, XXXX XXXX ( Account # : XXXX ) has violated my rights. 

15 U.S.C. 1681 Section 602 ( A ) states that I have right to privacy. 

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.

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 2022-01-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian has to remove inquiry placed on my credit file by XXXX XXXX XXXX per XXXX  request dated XX/XX/XXXX and XX/XX/XXXX XXXX XXXX because They were both unauthorized and the furnishers request to remove the unauthorized inquiries Is attached. Please remove the unauthorized inquiries from my credit file and send me a copy of my updated credit file to the address on file.

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 2023-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Yesterday I looked at my credit card balance with Capital one. I seek that XXXX $ was added onto my account paint my bill down that I owed to them. I could not pay the bill at the time because my father just passed and I could not work because I been mourning his loss. When I first started with Capital one they told me that I would get my security deposit back without a problem. They placed my security deposit to my bill without my permission resulting in me not able to pay other bills because I was waiting on the money for months now. Soon as I started not to pay they closed my account on the XXXX of XXXX. They did not give me any kind of letter or notification stating my account was going get closed. I never gave them written consent to close my account either. They lied to me about my security deposit of {$200.00} to fund this account stating I would get it back. They stole from me and didnt give me no time at all. I know my account has been non active or no payment came because Im in mourning they were supposed to honor what I told them and they didnt. I was just on the phone with a manager he was over talking me the whole time and did not let me get my thought out and stated we can use your deposit without telling you and give you no notification for non payment. How can they do that to a consumers account without any written consent. Now I have another account with them and the bill is the same way because Im still mourning. I cant go back to work because my mental is messed up losing a father is tough on me XXXX cant do it some days. Im on public assistance also with me being XXXX so I couldnt pay anyways. They did not help me at all nor did they send notifications of this action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
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:
I submitted a letter to the 3 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 Balance : {$820.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXXXXXX Balance XXXX {$6800.00} XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX XXXXXXXX XXXX : {$530.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$94.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$220.00} XXXX  XXXX Balance XXXX {$6800.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$94.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$94.00} XXXX XXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a formal complaint against Portfolio Recovery Solutions located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX  and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Portfolio Recovery XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation