BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I mailed a Debt Validation Letter to Portfolio Recovery Associates, XXXX ( XXXX, XXXX ), as USPS Certified with Return Signature ( attached ). In response to a listing on my credit report, this is a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating the claim is disputed and validation is requested. I respectfully requested their offices provide me with competent evidence that I have any legal obligation to pay {$2300.00}. I listed a description of the items needed. Of importance was a request for copies of all statements while the account was open. I did not receive it, along with other information requested.

In summary, I received the following documents from PRA, LLC, which I attached : Document A from the Dispute Department states the Seller provided an electronic file of its business records containing information concerning the account and further to contact the PRA. LLC Dispute Department for a history of payments posted after the Sale.

Document B from the Dispute Department states that it has completed its investigation of my dispute concerning the account and have attached/mailed documents related to the account, which establishes its validity. 
Documents C1 and C2 are two pages of the XX/XX/XXXX to XX/XX/XXXX Statement Statements for XX/XX/XXXX through XX/XX/XXXX are not included because they include postings after the sale to PRA, LLC. 
Document D is a Notice of Sale from XXXX XXXX XXXX  to PRA, LLC My request is that PRA, LLC provide copies of all statements, while the account was open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: PA
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:
Fraudulent accounts and inquiries appearing on credit report. 

XXXX. XXXX XXXX XXXX XXXX {$340.00} XXXX. XXXX XXXX XXXX {$360.00} XXXX. XXXX XXXX {$450.00} XXXX. XXXX XXXX {$340.00} Inquiries XXXX. XXXX XXXX, XXXX. XXXX XXXX, XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: IN
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2019-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a  litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


I demand the following accounts be verified or removed immediately. 

Dept of Ed Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX   Account XXXX US Bankrupt Court Account XXXX Account XXXX XXXX XXXX XXXX Account 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 2021-10-10
Company: EQUIFAX, INC.
State: TN
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 contacted all three Credit Bureaus/Agencies ( XXXX , Equifax, XXXX ) and the Creditors ( XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
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 is missing that should be on the report

Complaint:
I have contacted XXXX XXXX regarding my XXXX vehicle lease not appearing on my credit reports. They told me that they do not report to credit bureaus. I have no idea how that is legal. I then contacted XXXX, XXXX and Experian and asked to " self report '' the payment information and I would provide the invoices and proof of payments and they too refused. I am paying a {$2300.00} car lease payment every month and I want this information reported, earning me credit and showing my responsibility to repay large loans. The FCRA requires that furnishers of information as CRA ( credit reporting agencies ) are required to keep accurate information on a consumer report. I want the auto lease from to be reported on all 3 of my credit reports and to reflect the opening date, and the current, on time payments I have made monthly. I am also attaching several of the invoices made available to me via XXXX 's website. I made a payment for this month as well which has not yet been reflected in statements, but can be verified online on XXXX 's account management page. XXXX should also be required to report accurate information

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 2021-10-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company has violated my rights under federal law. This company has violated my right of privacy under 15 USC 1681a ( 4 ) by furnishing negative and adverse information on my consumer report without my consent. This company has also violated my rights under 15 USC 1692g by failing to validate this debt in a timely manner after I sent them a letter. In that letter I also demanded that they cease collection and communication through any and every medium with me or any other company that's stated under law until this debt was validated and they have failed to do so. I am tired of being XXXX  as a consumer and i will not stand for this any longer. I am seeking monetary damages and I have attached an invoice for every violation under the FCRA & FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
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:
the wrong address - an address i never lived at - is on my credit reports and associated with a number of my accounts. somehow???? several of my accounts became associated with my ex-husband 's address. i keep trying to get this sorted out with the credit scoring companies - experian, XXXX  and XXXX  - but they say they can't update address until reporting companies fix address -- - the address has been fixed on all accounts that i am aware of / that are legitimate. but for the accounts that are NOT legitimate - i can't dispute the account because the credit company sees the ( wrong ) address reported by credit agencies .... so i am in a catch-22. my credit is destroyed because credit agencies have wrong address associated with my name - bills i have never received / don't know about -- and i can't get information corrected - so the problem will never end. this results in me getting turned down for jobs, loans, mortgages, credit lines ... ruins my life. but not my fault. PLEASE HELP ME. 

XXXX, experian and XXXX XXXX also have several variations of my name that i have never used associated .... and some credit inquiries that i have never authorized. these can not be disputed with the reporting agencies - so it will never be resolved. again - this destroyed - continues to destroy my credit. please help me.

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 2019-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XXXX  did finally contact me, but if of course they were not accepting responsibility They stated that the credit bureau is the culprit. I m sure if this is correct or not I am sick of the entire ordeal. I received a copy of my credit report and the same reporting!

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 2023-02-02
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 After a consultation an being DENIED opening a busines checking account while being a personal account holder, I was forwarded to speak with solicitors concerning a debt. As a Natural Man, I reserved my unalienable rights and gave no authorization to make any payments as the account was closed and the agent became hostile. I noticed the next day that {$2600.00} was stolen out of my account, without authorization, without notice. 

I called to seek remedy and to make them aware that this action caused me harm, i was told that nothing would be done and after requesting a Supervisor, the agent let off petty retorts before sending me to voicemail. I am a XXXX Veteran and this organization has been causing me enough harm with their persistent automated calls and unprofessional phone calls after i specifically stated I did not want to receive calls and only consent to emails and letters through the USPS earlier this year. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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 not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact there for exists

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: EQUIFAX, 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20
Company: Experian Information Solutions 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX SCHOOL XXXX XXXX, AZ XXXX 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
7. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit 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 explanation
Consumer complaint received 2021-10-09
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 have tried 3 times with credit reporting agencies and the debt collector to get this removed, I moved out of my apartment in XX/XX/2020. The manager there stated I would lose my deposit, which I agreed to. The pandemic started, the office was closed, I moved into my new place. They even told my new place that I was an excellent tenant for 5 years, paid my rent always on time etc. Then they reported me to a collection agency XXXX XXXX XXXX out of XXXX. They refused to remove the collection. XXXX agreed I did not owe and removed this from my credit. XXXX and Transunion refused to remove. Please help

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2022-06-17
Company: Bread Financial Holdings, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I went to XXXX to send money to my brother in XXXX. Because I am not on his visitor 's list it said I couldn't send him money, but the money was still taken from checking account. 

I called XXXX about a refund and was told it was being processed. I was given a confirmation # that doesn't match and records of XXXX. They have no record of the transaction. I googled the name of the creditor it shows on my statement and find that it is a fraudulent company. 

Comenity XXXX XXXX Web Payment XXXX is how the charge shows in my account. The amount is {$30.00} and the amount is {$30.00}. 

I bank with XXXX and the last 4 digits of card used are XXXX. The card has since been cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: Self Financial Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Self Inc.  has proceeded with an unauthorized charge in the amount of {$52.00} to my checking account. I have never had any contact/relationship or agreed to any services provided by Self Inc. or any of their associated entities prior to me detecting this fradulent charge. 

I am afraid any accounts/services have been opened with my personal information with the inappropriate due diligence fron Self Inc in verifying these. 

I do NOT or have ever agreed to any products/services from Self Inc or any of its associated entities. I have never provided my bank information to Self Inc or any of their associated entities. I have NOT agreed or authorized any charges on their behalf and demand these be reversed. All accounts/services immediately suspended and closed. As well as the 3 credit bureaus be notified of this wrongdoing and requested to erase all and any information reported linked to Self Inc or their associated entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This has been an ongoing dispute with Capital One bank since XX/XX/XXXX. 
After noticing a {$3500.00} withdrawal from my account and notifying Capital One of this fraudulent transaction, I received a letter dated XX/XX/XXXX stating that this was a valid transaction and that my claim was being denied. ( I closed the account on XX/XX/XXXX. ) The letter also gave a number to call to " request any documentation we used to make this decision ''. After numerous attempts to get through on this number and 45 minutes on hold finally got to speak to a person. My request at this time was to be sent all documents used to determine their decision which " denied the claim of fraud ''. 
After 23 minutes on the phone and supplying all requested information i.e. account number, personal info and claim number was told this information would be mailed to my home address. After one month had passed and I still had not received requested documents I enlisted the help of my niece who was able to find an e-mail address for complaints and sent another request for documents through this Capital One complaints email address. Finally received by mail another " denial of claim '' letter dated XXXX XXXX which included a list of transactions from someone's bank account showing how my money was moved into their account. However, it did not include the most important information which should be the only reason to deny my claim and that is the " signed authorization '' indicating that I gave permission for someone else to use my account. This obviously does not exist. 
After numerous other calls, emails and faxed correspondence I was sent an affidavit to sign stating that I never gave anyone permission to access my account. Signed and faxed this form the same day and called to confirm and was told that it was in fact received. It has been three weeks since I sent this document and I still have not had a response. 
All information, including account statements, previously sent and received correspondence, etc can be provided on request. Please note that I am a XXXX XXXX XXXX man in poor health and do not need this ongoing stress. I am hoping you can assist in getting my money back from Capital One bank. Also of note I made many personal visits to numerous Capital One branches over these past few months and was unable to get help from anyone. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation