BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-04
Company: Persolve, LLC - Legal - Series 2
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The Company Persolve , LLC illegally obtained a copy of my credit file in an attempt to collect on a debt not owed. This company did not have permissible purposes and authorization was NEVER given. This is illegal per the FCRA and the FDCPA acts.

The debt this company is attempting to collect is listed by another Credit Reporting Agency under a DIFFERENT Debt collector. This proves that this is not a valid legal debt owed to Persolve , LLC. This is illegal per the FCDPA act. 

This is a zombie debt that is parked on my account, that the company continues to report inaccurate information regarding this debt/ The company constantly increases the amount owed each month and RE AGING the debt each time I dispute it. This is inaccurate reporting and is illegal per the FDCPA act. 

This company also continues to contact me at my workplace using numbers from international companies after I verbally requested to cease communicating with me. This is illegal per the FDCPA act. 

This company also continues to report this debt on my credit files after officially disputing the account. This is illegal per the FCRA. 

Several attempts to seek legal validation of this debt resulted failed delivery and a return of certified mail ( Attached ). Ultimately, receipt of my dispute was received The company replied with sending personally identifiable information in the regular mail, documents that included my Social security number, non public information ) placing my identity at risk. Attached is a copy of the letter that accompanied my personal information that I received. This does not prove the validity of my debt. 

I request this company remove this illegal listing from my credit file, never to relist again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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: Reporting company used your report improperly

Complaint:
In Accordance with the fair credit act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # 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 that a consumer reporting agency can not furnish an account without my written permission.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector. or the express permission of the court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-10-26
Company: Experian Information Solutions Inc.
State: MD
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 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 2023-01-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XX/XX/XXXX CONSUMER FINANCIAL PROTECTION BUREA Complaint department To AMERICAN EXPRESS TOTAL XXXX CHARGE OFF ACCOUNT AMOUNT : {$1400.00} DATE XX/XX/XXXX {$1900.00} DATE XX/XX/XXXX Dear AMERICAN EXPRESS agency manager, I am writing this letter to bring to your notice the following information added to my credit report for 2 account The amount 1- {$1400.00}. 2- {$1900.00} are falsely added to my credit report without my prior knowledge. The mentioned details are incorrect and this account has been closed over 7 years and the name of both account under limited liability business, credit reporting agencies notified to delete any trade line and this collection agency has no further contact me regarding this account.

I would request you to revise the report after due diligence. I request you to clear my credit report as soon as possible to help me continue business. Please look into this matter and do the needful as soon as possible. Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was looking for a rent using XXXX  and I liked a house I like, the landlord or scammer contacted me and because the house was 4 hours away from my current rent I signed up the lease and all the process online. I transferred him through XXXX {$3600.00} in differents transactions like {$75.00}, {$1300.00}, {$1000.00}, and {$1300.00}. He called me and say sorry someone else rented and he has another rent available for me but I claimed him my money back and he hanged me up, when I tried to call him back the phone says it was disconnected. His phone number is XXXX. 
I filled out a complaint with my back Wells Fargo and I didnt get any answer.

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 2022-07-13
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:
I was applying for a credit card and received a denial based in part to payment history. I noticed there were a number of recent lates reported on my report from a number of creditors that I have been in Forbearance with due to a financial hardship caused by COVID-19. I provided proof that I was in forbearance and per the CARES ACT I should not have been reported as late while in an active forbearance. I asked Experian to investigate and remove the late payment reporting that was wrongfully applied to my report. 30 days later I received an update that all of the payments were verified by the creditors. I called back and asked for the proof or documentation that differed from mine. 
The rep from Experian simply told me it's " verified ''.

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 2021-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the 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 2021-12-07
Company: Experian Information Solutions 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 Reviewed my credit report on or about XX/XX/XXXX and noticed that it was several acccounts on my credit report that I did not recognize. I contacted the three major credit bureaus to get more information and I was instructed to dispute the information and I did they all responded with letters stating that the accounts were verified. I called each credit bureau individually and explained that the account were not opened by me and I had not given any autorization to anyone to open any accounts with my personal information. I was directed by each credit bureau to file a Identitiy theft report along with a police report with my local police dept. I sent them all the information requested on XX/XX/XXXX certified mail and they explained it would take upto 30 days to review the information and respond, on or about XX/XX/XXXX I called to follow up and Experian and XXXX XXXX said they never received anything the said to resend and XXXX received it but stated all accounts were verified and I would need to send in the documentation again for re-investigation. On XX/XX/XXXX I noticed some things had been deleted from XXXX and XXXX XXXX but not all that was detailed in the FTC identity theft report and police report and Experian nothing was deleted and I never received a response letter.

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 2023-05-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: FIRST GUARANTY MORTGAGE CORP
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan assumption. My girlfriend XXXX offered to take over my loan. XXXX ran her credit. XXXX lost mitigation department then told us that we needed to send in {$900.00} for the assumption application fee. Two weeks later were calling XXXX trying to get an update. When speaking with the representative at XXXX were told that the {$900.00} application fee was being mailed back due not getting the amount of whats due. That afternoon past due amount was sent to XXXX but we still had to wait for the fee to mailed to me in prefer to be mailed back. When the check arrived to my home it wasnt even the actual check that I originally sent. It was a copy of the check. When I received the check three weeks later I immediately sent it back to XXXX. Less than two weeks later Im being told that the loan assumption was denied. The loan was denied during the process. And the only reason given was that XXXX no longer had vendor.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-11
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My wife and I wanted to buy a puppy and she found what she thought was a reputable breeder that had puppies for sale. The price was in line with what other breeders were charging. A deposit of {$400.00} was required, which we thought this was reasonable. The breeder wanted to use XXXX for the deposit transaction. We were not familiar with XXXX but the breeder said XXXX was offered thru our Chase Bank. I went online, logged into our XXXX account and saw XXXX listed as an option to use for making payments so we thought XXXX had to be secure, right?? 
Shortly after my wife completed the XXXX transaction, the breeder basically quit communicating with us and we knew pretty quickly that we had been scammed. I immediately called the XXXX customer service XXXX number asking for the transaction to be reversed and was told the fund transfer could not be reversed and there was nothing XXXX could do even though the scammers name and account # appears on my XXXX statement. The next day I spoke with my local XXXX office and was again told the transaction could not be reversed and also told that even though XXXX appears on the XXXX website, it is a third party not controlled by XXXX and therefore my money was gone. ( I just recently found out that XXXX XXXX has XXXX in XXXX ) XXXX 

XXXX still has a significant presence on the XXXX website. Why? Scammers present XXXX as a safe secure method of transferring funds. Scammers point out that XXXX is on the XXXX website so its got ta be safe, right?!! In fact, up until recently, when I'd access my XXXX account on line, a pop up box would ask me if I want to activate the XXXX feature. 

In an effort to gather as much information as possible to include in this complaint, I recently spoke with my local Chase representative ( who is the same person I spoke with back when I was scammed ). He said that, yes, there is still information about this scam noted on my account history ( including his notes and the inquiry he submitted up the ladder back then ). 
I asked if I could get a copy of that info to include with this complaint. He said he would check but called back and said the XXXX XXXX department said no, I could not have this information, unless I had a subpoena. WOW! Great customer service... Why can't I access information about my own account? 

I would like to submit a complaint to the Consumer Financial Protection Bureau, asking for the CFPB to convince XXXX or XXXX to refund my {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
n accordance with the fair credit reporting act XXXX XXXXl 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 instruction.

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 2021-03-11
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello : Ive sent multiple letters to Caine Weiner requesting validation of this debt from early XXXX to XX/XX/XXXX. I have not received any information validating the debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
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:
My name 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Reached out to all three credit bureaus to fix my personal information. They have not updated any of my information. Ive mailed, called, & faxed and none of my personal information was resolved.

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 2019-04-08
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT PMAB LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on  sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PMAB LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I made a wire transfer on the XXXX of XX/XX/2022 of {$17000.00} to JP MORGAN CHASE Bank account of XXXX XXXX XXXX XXXX XXXX. Chase bank has received the funds but the recipient has not received any funds yet. CHASE BANK is still holding the money without sending me a refund nor sending it to the intended recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, 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:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief