BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-28
Company: Vericred Solutions LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This is regarding a {$250.00} payday loan I took out a long time ago from XXXX XXXX XXXX back in 2014. Totally forgot about it and this collection agency just recently got aggressive with me. 

I recently lost my job. Just before I did get fired, I was speaking to XXXX XXXX, a debt collector from an agency called VeriCred Solution and I had an idea/plan to make the arrangement. I also asked them to grant my brother-in-law 's request to stop calling him as he was my listed reference at the time. XXXX said ofcourse and let me know he was removed. We were supposed to talk at the end of the week but unfortunately I lost my job. I felt like the world came crashing down on me. Ever since, they became very aggressive in collecting that debt from 2014 payday loan that I owed. They already spoke to my brother-in-law and a week ago I asked to grant his request to be removed from their system which XXXX XXXX agreed to. However, they called him AGAIN!!! I called XXXX to let her know my situation. XXXX XXXX was very rude. And when I asked what happened to the request of my reference to be removed, she blamed it on their system. I was working in the XXXX using similar account/info system. It does not take a week to delete a reference on a customer 's account. I know the laws in California and you're only to make contact once and NOT supposed to leave a message. As it turns out, my brother in law and I are no longer in speaking terms. Please educate this agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX allowed someone to open accounts in my name when i was in high school and I had no knowledge until i checked my credit because i want to make a auto purchase. And now my account is in collection and I need it remove as soon as possible because im not responsible for such a bill.Why do a XXXX XXXX XXXX XXXX XXXX XXXX  need a card to XXXX and XXXX XXXX when i live with my parents. Send me documents that show i opened the account not a copy of a bill because that isn't proof. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
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 am having problem with Experian Credit Bureau and XXXX I sent so many letter and XXXX  send me the result and the stuff was remove and those two credit bureau refuse to remove all I am getting from Experian verified updated and meanwhile XXXX  is deleted/ removed them from my report XXXX XXXX XXXX XXXX was removed from my XXXX account but still showing three time same thing on my XXXX   and Experian credit report and they refuse to remove it please update it between XXXX  on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX was removed also from my XXXX  credit report and Experian and XXXX  still have it in the system please remove it was removed from between XXXX  on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX ( medical Group XXXX  was removed XXXX XXXX XXXX was removed ( 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 2023-09-09
Company: SANTANDER HOLDINGS USA, INC.
State: MT
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/23 at approximately XXXXXXXX XXXX  from XXXX XXXX XXXX  opened a locked gate and proceeded to open a shut garage and drag our vehicle out. My wallet as well and important personal items were also in the vehicle. We have tried to contact the company to get our belongings and they wont respond. We filed a police report as well as have video evidence. Our lawyer will be contacting on Monday to sue this company for criminal trespassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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:
I have contacted the creditorXXXXcompany many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2023 I bought tickets using my recently approved XXXX XXXX XXXX issued by Banco Popular de Puerto Rico. One of the supposed benefits of this credit card is having the first free bag ( and for up to 4 companions ) with each flight purchase using the credit card. Unfortunately, during and after making the purchase in XXXX website I DID NOT have the free bag. I called XXXX customer service and they informed that even if I used the XXXX XXXX XXXX, this benefit is NOT available due to several reasons ( because I am resident of XXXX XXXX, serious issues between XXXX and Banco Popular de Puerto Rico, etc... ). This card has an annual fee of {$99.00} and now I DO NOT have the free bag they offer by having this credit card. I called to Banco Popular de Puerto Rico and they say that they have a " unsolved struggle or a difference '' with XXXX and that a lot of customers encounter that they DO NOT have the free bag they offer. Now I have this credit card with no free bag as advertised and do not trust anymore in Banco Popular de Puerto Rico. They just say that there is a claim in process and that it could take up to 90 days to try to resolve my issue. I consider this is NOT fair. Banco Popular de Puerto Rico has a very poor reputation in the XXXX. I have people near to me that claim having exactly the same issue of NO FREE BAG. I please ask you to investigate this misleading staff of Banco Popular de Puerto Rico and the non-compliance of the credit card terms. 

Attached you will find the XXXX XXXX XXXX XXXX and Benefits. In addition, you will find the Claim # they created for me with a XXXX wait time to try to resolve the claim. Unfortunately, Banco Popular de Puerto Rico is advertising that this credit card ( annual fee of {$99.00} ) has a free bag benefit but we as customers are NOT having this benefit at the time of purchasing XXXX tickets through the different ways ( online, telephone, etc... ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Charge off of XXXX card was XX/XX/2022 to Midland credit Management started sending me letters in XXXX. I sent letters back asking for Proof of debt from them in XX/XX/2022. They have not sent satisfactory information that I owe them a debt. They bought my debt but they want the full amount that the XXXX card sold with extra charges on it from the interest being so high that I refused to pay the debt to XXXX. That is why I could not pay the debt it was never going down but up with interest 29.99 % Now MCM wants me to pay the interest to them and I refuse to pay that amount. My payments of XXXX dollars a month to XXXX was not working and without a job it was impossible to pay. I could not even have money to eat. ( We have been going back and forth with letters ( every month ) demands the same amount they bought the debt at current pricing with taxes and cost in the same amount. I have all my letters sent and postage receipts to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: AL
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 recently obtained a copy of my credit report and noticed that there was some unauthorized inquiries on my report that was not given with my written instructions. Those Inquires listed below XXXX XXXX XXXX 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 2022-04-05
Company: Experian Information Solutions Inc.
State: NC
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 report act XXXX  account XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C. 1681b section 604 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I NEVER GAVE PERMISSION TO REPORT ANYTHING TO MY CREDIT REPORT.

15 U.S.C. 1681 section 602 ( b ) respect for the consumers right to privacy.

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 2023-03-26
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Overdrafts many times, moments prior to paycheck hitting acount

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 2022-08-18
Company: EQUIFAX, INC.
State: SC
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 actXX/XX/XXXXXXXX XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX 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 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: CL Holdings LLC
State: NJ
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:
Dear Sir/Madam, I am writing to formally dispute inaccurate and fraudulent information present on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ). The following account is in question : XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Information Type of Business Personal Loan Companies - Line of Credit - Bank Line of Credit - Bank - Bank Credit Cards Personal Loan Companies Student Loans Bank Credit Cards Bank Credit Cards Student Loans Personal Loan Companies Miscellaneous Finance Student Loans Bank Credit Cards Bank Credit Cards Line of Credit - Bank I have reviewed my credit report , and it has come to my attention that the information pertaining to the above-mentioned account is erroneous and has a detrimental impact on my creditworthiness. I believe that my rights under the FCRA have been violated, and I am formally requesting an investigation and correction of this matter. The account in question has been inaccurately reported as mine. I suspect that my personal information may have been compromised and used fraudulently to open this account. I have not authorized any such account, and this is a clear case of identity theft. 
The credit reporting agency has not sufficiently verified the accuracy of this information before including it in my credit report, which is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is 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 reportsno consent is fraud. Please remove this fraudulent accounts in my file ASAP : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX  XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$120.00}, XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and

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 2023-09-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent a letter in XX/XX/2021. I've never received a response. This company is reporting to the credit bureaus that I owe them a debt with no original creditor information. They're trying to collect on a debt thats not owed to them. They're refusing to send me debt validation. They do not have a license for the state of Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX Balance : {$19000.00} XXXX XXXX  XXXX Balance XXXX {$1200.00} XXXX XXXX XXXX : {$25.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/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 non-monetary relief
Consumer complaint received 2023-03-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fought with wells fargo to allow me to do a loan modification which I qualified for for 11 years after becomimg a widow. Due to their shady prcticas and scams, I lost the home my husband and i worked so hard for. I now live on a couch at my daughters home. I lost so much because of them and I believe I am entitled to compensacin.

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 2019-02-15
Company: Hillcrest Davidson & Associates
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have told the company reportedly to stop contacting me and they won't stop. They call me at XXXX and leave voicemails. Send me emails as well. 
Most recently on XX/XX/19 I told them to stop contacting me and the rep emailed back saying that they will call everyday and not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: U.S. BANCORP
State: TN
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:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 a formal complaint that I am reporting inaccurate and an incomplete credit information on my report. According to fair credit reporting act section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts and inquiries that you post on a credit report otherwise anyone paying for your reporting services could fax, mail, or email, in fraudulent accounts I demand to see verifiable proof ( Original Signed Contract ) that you have on file for the account listed Below inquiry ( XXXX XXXX - ) ( XXXX XXXX XXXX XXXX ) Your failure to positively verify these Account has hurt my ability to obtain credit under the FCRA unverifiable accounts must be removed and if unable to provide me a copy of verifiable proof you must remove the account listed below I Demand that the following Account to be removed immediately I do not have any responsibility for the Account youre trying to collect review of account information showed several redacted pieces of information as well as information not belonging to me I have been a victim of identity theft in the past this is on going if you have reason to believe Im responsible for this debt mail me the documents that make you believe that. stop all other communication with me with this address and record that I dispute having any obligation for this Account if you forward or return it to another company please indicate that this account is being disputed In addition please remove all non-account holding inquiries over 30 days old have Submitted documents and other required information to confirm that this Account does not belong to me Under federal law you have 30 days to complete your reinvestigation please be advised that the description of the procedure used to determine the accuracy of completeness of the information is herby requested as well, to be provided within 15 days of the completion of your re-investigation below i have also attached a copy of my identity theft report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reported to TransUnion on two different occasions the last being XX/XX/2023 that XXXX XXXX is reporting to my report twice with the same account. Trans Union has done nothing and continues to tell me that it is verified. There is no way for this account to be verified if it is the same account reporting twice.

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