BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: Porania, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Company : .US DIST CT RE : Account This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my pe

rsonal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-25
Company: FIRST ADVANTAGE CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The XXXX  record speaks about a XXXX XXXX and it was only ( 1 ) one year, and also gives other false or misleading information with regards to the XXXX Of Course the " XXXX XXXX '' ended the XXXX XXXX XXXX was 33 days. 

When time and money permit I intend to have the court 's decision reversed as I was deprived of due process. They would have lost in a jury trial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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:
This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an 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 Balance - ; XXXX XXXX XXXX XXXX  Balance : {$340.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$50.00} ; XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX, XXXXXXXX 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 ( Original Creditor Name XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$1100.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$50.00} .

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 explanation
Consumer complaint received 2023-02-23
Company: Westlake Services, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
purchased used vehicle XX/XX/2022. The finance company repossessed vehicle on XX/XX/2022 and cancelled contract. They told me that there is no grace period for 1st payment ; however, the contract doesn't state that. They will not allow me to reinstate the vehicle and has sold it back to the dealership. 

In Maryland, I am to be notified within 10 days via personal service or certified mail of their intent to repossess and provided an opportunity to reinstate the loan and to redeem the vehicle, but those options were not given to me. 

I am now out of my down payment and have no vehicle.

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 2023-11-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove them.

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: FinCo Services Inc DBA Current
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Overnight the night of XXXX, XXXX 2023 Currents ap locked me out of their ap requiring me to revering to log back in and revering my info. I started this process Once I started getting notifications on XXXX at XXXXXXXX XXXX that bills werent being paid. I l followed up promptly them via email since that is the only way they allow you to contact them once you are locked out of your account that I needed access ASAP as items werent clearing because I was unable to move money from savings to checking. was unable to log back in and I got a message someone I received an auto message at about XXXX XXXX someone would be in touch still within 24 hours. 
I still didnt hear back at XXXX and since I cant contact them in any other form and was naturally having a near XXXX XXXX still unable to access money emailed them again to request someone get back asap. 
Finally at XXXX XXXX I got a message from XXXX with current asking for a selfie with a copy of my id. I sent the selfie with my passport and a copy of my passport alone back at XXXXXXXX XXXX again asking to please rush as it is causing me fees etc not being able to access my account and soon I would lose utilities if I could not access my money. 
At XXXX XXXX XXXX I still had not heard back and at this time I cant sleep, panicking. I emailed currents help desk and XXXX back indicating I was still waiting. 
I tried to log back in to my account at that time which it still says I didnt have access and their system created another helo desk ticket. 
XXXX I now dont have internet now because XXXX cant pay my bill and have to go to a truck stop to use their internet at XXXX. Emailed XXXX and help desk again to indicate I am still waiting. 
XXXX at XXXXXXXX XXXX I still had not heard a word and I emailed them back again to let them know I would be filing a complaint. I still havent heard back and its XXXX XXXX I am hysterical. I dont know what to do. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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:
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 that need to be investigated and corrected 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 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 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 2023-11-04
Company: EQUIFAX, INC.
State: FL
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$23000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have XXXX  of dollars of AMEX gift cards and they are always declined at XXXX. Customer service agent told me to just use a different vendor. These cards are useless if I can't use them at the largest XXXX retailer in the world. The cards have also been declined at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX Of 2022 I filed a dispute stating that the information was unverifiable an miss informing an its being reported to my credit report without my consent

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 2021-07-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My information was compromised and I reported the following errors on my credit report to experian for review. 

I submitted a dispute to Experian. Experian processed the dispute and confirmed the following items should be removed but failed to removed the items from my credit report. 

I did not submit an application or initiate a inquiry and I am requesting that the inquiry be removed. 

XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry XX/XX/XXXX US SM Bus Admin ODA Inquiry XX/XX/XXXX Please remove the following inquires as I did not inmate an inquiry.

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 2023-06-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account, and everything was running fine. I deposited checks. And for some reason they put a hold- they challenged a few deposits without notification. They only sent me a letter after XXXX days, and I got it after a week. Every little thing they make notices, but for this they waited a week. And I wouldn't have deposited anything else if I had known this. Even more, when you open an online account, you see that your funds are available, but you don't see that there's a hold on the funds. You only get notice when you try to make a transaction, that something is wrong. 

So all checks were payable to my name, but XXXX of the checks were challenged. And they told me they were making a hold on the account, saying they wanted to verify who is the maker of the check, that he gave me the check. By the way, the same checks previously deposited from the same person didn't have any problem. 

First of all, the fact that they made a hold on the account without notifying me was wrong. And the fact that the checks were returned because of this, then I saw that there was a hold on my account. They didn't say anything before this. And when I called, they said they needed to verify these checks. I provided them with the phone # s of the makers of the checks, and they said that these numbers are not matching their system. So I can't give them anything more than give them what I have. Otherwise they can verify with their own information and it's on them. And they need to give me my funds back. 

So they ended up closing the account. And they sent me the balance that was in the account except for the amount of the XXXX checks, which I don't understand what their concern about these checks are. I got the checks from the maker, and I'm willing to give them the numbers, but I don't know what numbers are listed in their system. And I can provide them a letter attesting from the makers of the checks that they gave me the checks. 

By the way, I asked the makers of the checks for the contact information to give to the bank. But the bank responded that the bank has to call these people through their system- they can't call the bank themselves. So, I don't know what I can do further. I called multiple times, and argued with them, but got no resolution. 

Multiple times I spoke with the bank and argued with them that they should either give me back the checks I gave them or to give me the money. And I'm getting nowhere. There's no one to talk to. And the fact that they closed the account is also discrimination. And as a result, bills that I made payments on, had returned checks and other things without notice. 

Any information you need, please contact me. And let me know what help you need to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-25
Company: EQUIFAX, INC.
State: AZ
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:
There are 3 accounts that say charge off and that is not accurate I also have one collection account that is not mine Also one account that says 30 days late which is an error

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 # XXXXXXXX XXXX XXXX XXXX  has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights These accounts with Inquiries have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ny XXXX is not my current address which needs to be deleted from credit reports 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 2023-11-04
Company: Atlanticus Services Corporation
State: VA
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:
Loan or card opened on my credit report for {$20000.00} dollars. {$11000.00} of that balance used. 
Fortiva Retail Card XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit 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:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: In progress
Consumer complaint received 2022-10-24
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:
It pays my attention that the following accounts are inaccurate. I am a consumer by law. I am not happy about what I saw. This hurt my credentials as a consumer. I am not aware from those account. Here are the listed details of the account with discrepancies : 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 2023-12-01
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I made a payment through the Navy Federal Credit Union ( NFCU ) XXXX  app using an ACH transfer. Initially, the payment was displayed in the app, but it disappeared the next day, which was unlike my previous experiences. Thinking I hadn't completed the payment, I made it again. Shortly after, I realized the first payment had been processed, but I couldn't cancel the second one due to repeated app errors. The next morning, both payments were posted to my account. I contacted NFCU to reverse the duplicate payment because of the app 's failure to provide updated information. I had closed my checking account with NFCU nearly a year ago due to suspected predatory practices. NFCU responded that I need to reopen a checking account to process the reversal. I believe this situation highlights unfair practices and request an investigation into NFCU 's operations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: AZ
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:
In accordance with the fair credit reporting act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 u.s.c 1681 Section 602 A. States I have a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been having issues with Equifax for a number of years ( primarily with their identification questions, which tend to have nothing to do with me ), but my most pressing problem at the moment is my inability to freeze my credit report, either via telephone, app, or website. I have made numerous attempts to log into the service ( and have changed my password several times ), with no success. In XXXX, Equifax mailed me a special identity-confirming code, which failed to grant me access. At this point, I fear that it I were to successfully freeze my report, I might not be able to un-freeze it.

Company response to consumer: Closed with explanation