BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
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:
Portfolio Recovery Associates has not provided any contract that I have with this company. Portfolio Recovery Associates has provided information with XXXX XXXX XXXX  and XXXX XXXX According to 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. This company has been reporting false claims of consumers owing them money illegally.CFPB Orders Repeat Offender Portfolio Recovery Associates to Pay More Than {$24.00} XXXX for Continued Illegal Debt Collection Practices and Consumer Reporting Violations. The Consumer Financial Protection Bureau ( CFPB ) took action today against Portfolio Recovery Associates, one of the largest debt collectors in the nation, for violating a XX/XX/2015 CFPB order and engaging in other violations of law. The CFPB filed a proposed order today that, if entered by the court, would require Portfolio Recovery Associates to pay more than {$12.00} XXXX to consumers harmed by its illegal debt collection practices, in addition to a {$12.00} XXXX penalty that would be deposited into the CFPBs victims relief fund. Portfolio Recovery Associates violated theXX/XX/2015 order by collecting on unsubstantiated debt, collecting on debt without providing required documentation and disclosures to consumers, suing or threatening legal action against consumers without offering or possessing required documentation, and suing to collect on debt outside the statute of limitations. Portfolio Recovery Associates also failed to properly investigate and resolve consumer disputes about the company 's credit reporting. Todays action is one of many actions the CFPB has recently taken to hold repeat offenders accountable. 

After getting caught red-handed in XX/XX/2015, Portfolio Recovery Associates continued violating the law through intimidation, deception, and illegal debt collection tactics and lawsuits, said CFPB Director XXXX XXXX XXXX CFPB orders are not suggestions, and companies can not ignore them simply because they are large or dominant in the market. This proves the fraud that is committed by Portfolio Recovery Associates

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions 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:
There was a late on my credit report it just happens once and I just wanted them to have this late mark on my account removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating 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 your offices provide me with competent evidence, such as a trilateral contract, that I have any legal obligation to pay you. 
I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me or my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of false and deceptive forms is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306.

If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will file for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 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 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 non-monetary relief
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: FL
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 completed a identity theft report with the FTC and Equifax, XXXX, and XXXX are still reporting the alleged account. Below is the law all ( 3 ) credit reporting agencies are in violation. 
15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

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 2023-11-27
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Starting on XX/XX/2023, to present I have not been able to log into my credit card account with Barclaycardus. I've gone through the verification process several times, then changed my password as instructed but the new password never works. I called three times to get customer support to help with no avail or resolution. The call center is outsourced to the XXXX making communication difficult here in the United States. When I explain the situation, they have me repeat the verification process that I tried on my own and the same problem happens with no resolution on their end. There is currently no way I can monitor my account when I can't log into it. Whenever I change my password, it says that I have successfully changed it. Then, below that message it states. " OPPS! sorry for the inconvenience but your request could not be processed, please try again ''. Obviously, the problem is an IT issue, and they don't know how to correct it or resolve my problem. When you speak with one person, they then hand you over to someone else to speak to with the same result.

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 2023-04-21
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:
My name is 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 2022-05-06
Company: EQUIFAX, 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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Maximus Education, LLC dba Aidvantage
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My loan processor was switched from XXXX to Aidvantage. As the commencement of the COVID forbearance was ending I wanted details about my loan. when trying to get details. no one could provide me the dates interest started incurring on my account. No dates were able to be given, no details of charges were able to be given, and my status as an active student was no in the system. Mid school year I have been incurring daily interest with no details or established repayment process. Super unorganized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
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 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 items XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/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 2023-02-14
Company: Credit Karma, LLC
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had been pre approved for credit cards on credit carma and then decided to try and get it so it would help my credit score. It then denied me and went on my score as a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
there are inquires on my credit report that I never seen or authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Letter sent with no response To : Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX SS : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To whom it may concern, On XX/XX/XXXX, I called Capitol One Cards as missing and requested an email link to provide Capitol One with documentation listing what charges I recognized or didnt but have not received that email. Ive been waiting a week or so to receive a portal or email notification from Capital One so I can upload documents but Ive received zero communication. So, in a last-ditch effort to resolve the matter this morning, I called your offices five times at XXXX but your automated machine would not let me through. At this point in time, it appears Capital One has blocked my ability to access your customer service phone line to report unknown charges on my cards and theres nowhere to upload supporting documents on your website so I am overnighting the documents to the address listed on your website. 
Potentially Negative Removal Requests : 1. Card No.XXXX XX/XX/XXXX Reviewed 6 Pages 2. Card No.XXXX XX/XX/XXXX Reviewed 4 Pages 3. Card NoXXXX XX/XX/XXXX Reviewed 4 Pages 4. Card No.XXXX XX/XX/XXXX Reviewed 4 Pages 5. Card No.XXXX XX/XX/XXXX Reviewed 6 Pages 6. Card No.XXXX XX/XX/XXXX XXXX 6 Pages 7. Card No.XXXX XX/XX/XXXX Reviewed 4 Pages 8. Card No.XXXX XX/XX/XXXX Reviewed 10 Pages Once again, I am notifying you that my cards ending in XXXX and XXXX have not been in my possession since early XX/XX/XXXX as clearly indicated on the attached documents. Please review the attached documents and advise me in the next steps to remove all unknown charges and one late fee. 
Please respond promptly. I prefer that we both avoid the pursuit of my rights under 15 & 12 USC Sections, which require your compliance with the law. 
Let me know if you need any additional information to verify my identity and remove these unknown charges. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Sequium Asset Solutions, LLC
State: FL
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 repeated told them I have had some medical issues arise, I have been put on XXXX, I am aware of the debt and to please stop calling multiple times daily as it doesnt help get them any money or help me get better where I can work and pay my debt. Very nasty individual called today speaking to me like a 2 year old. I may be sick but I am not a child

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: 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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: ALLY FINANCIAL INC.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Ally Bank closed my account all of a sudden in XX/XX/XXXX due to " Suspicious Activity '', but refused to give me any details or information. Every time I tried to call and get information they would say " they reserve the right to close the relationship and can give me no further information ''. I have received no letters in the mail and they still have my money of {$360.00}. It is now XXXX of XXXX and still giving me the runaround. 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 2019-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX are not only trying to collect a debt larger than I believe I owe but debt may be past statue of limitations and they're doing it in a harassing and illegal manner. They call my home phone and cell phone multiple times a day from different spoofed numbers from different states. They are breaking the fair debt collection practices daily.. I would like them to work with me on the debt I actually owe - the original debt was for no more than 750.00 while they're trying to collected over 1,400.00 with " fees '' and doing it in a hostile and illegal way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: ThunderRoad Financial, LLC
State: SC
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:
XX/XX/19 I spoke with Manager from Thunder Road Financial out of XXXX, NV. She stated that the dealer XXXX XXXX was out of business. Thunder Road has been reporting to the credit bureaus that this account is late 120 every month over the years. I have not made one single payment in two years due to the fact they never sent me the correct title/registration for my motorcycle. SC law states that once you purchase vehicle/motorcycle you have 45 days from date of purchase to get registered. I've been calling from day 1 to get this information corrected. Long story short Thunder Road had me signed purchase contract and the contract has the wrong VIN number throughout the entire contract!!! This is a breach of contract from day 1!!! Now the manager will not accept any of my phone calls. They have been ignoring me since ... All I want is this inaccurate information off of my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX XXXX experian; XXXX XXXX XXXX experian; XXXX XXXX XXXX  experian; XXXX XXXX XXXX  experian; XXXX XXXX XXXX XXXX XXXX experian; XXXX XXXX XXXX XXXX  2222023 experian; XXXX XXXX XXXX XXXX  experian; XXXX XXXX XXXX experian; XXXX XXXX XXXX  experian; XXXX XXXX XXXX XXXX 2212023 experian; XXXX XXXX XXXX 2212023 experian; XXXX XXXX XXXX  experian

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