BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A lady called me on XX/XX/2021. I had to repeatedly ask who she was, and why she was calling. She was very evasive, and said its a business matter. She didnt disclose it was a recorded phone call, until several minutes into the call, not at the beginning. I want them to immediately cease all contact with me by mail, phone, email or in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: OneMain Finance Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon reviewing my personal credit report, I noticed accounts that I do not own were opened in my name. I noticed fraudulent accounts and inquiries that I did not authorize on my credit report and it is preventing me from receiving credit and housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX  Date of Inquiry : 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 2022-04-01
Company: EQUIFAX, INC.
State: CA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: TX
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'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$6400.00}.

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 2017-07-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
A while back I had received a phone call at my work saying that there was papers to be served to me and a possible warrant. They Claim they are calling from HSBC Legal department handling the debt account. They to call and leave threatening messages.
I can send you a copy of the voicemail also the gentleman I just spoke to his name was XXXX phone numbers to XXXX XXXX XXXX. He said he is the office that has the document to serve me however will not give me any information and redirects me to the legal office at a XXXX number which unfortunately he hung up before I could get. But I could pull from a previous voicemail XXXX. Case number XXXX. When calling that number they placed me on hold for several several minutes telling me that they had sent the paperwork over to the XXXX XXXX County courts and that they had to personally search for the hard copies to find out what was going on with my case when she came back on the line she told me it was for an HSBC account we 're over {$1000.00} was due and that did not include attorney or court fees. When I asked her how come I receive phone calls way back a couple months ago and I 'm still at the same address and still at the same workplace and have yet to be served she wanted to confirm the address that they already confirmed previously. When I told her that the address was in fact correct and nobody has ever come she could not give me an answer as to why other than she was going to try to expedite it. Now here 's the thing the address they have is in XXXX  County not XXXX XXXX County so why would be served in XXXX XXXX County I do not know. The woman I spoke to claim to be in litigation and when she answered the phone call she answered with before providing me and him any information that this phone call will be monitored and recorded now I do n't know if that 's normal for law firms or not.
When they called my work they asked my boss their policy for serving their employees at work. Which thank XXXX I work for awesome bosses who did n't fire me because of this.
If they are a creditor HSBC and they 're using Scare Tactics or harassment like that it is illegal and violating FDCPA. IF they are not HSBC then it is a company to which HSBC sold the information to and they should still be held liable for passing my information on to such a harassing company that uses illegal means to obtain money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : 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 Balance : {$1000.00} ; XXXX. SYSTEM, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$390.00} ; XXXX XXXX XXXXXX/XX/2022.

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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX : {$310.00}.

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 non-monetary relief
Consumer complaint received 2021-08-06
Company: Bonneville Billing and Collections
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/XXXX ( XXXX Bank statement date ) I contacted Bpnniville Collections to set up a payment plan for a deliquent debt ( XXXX ) for the debt amount stated on my credit report {$780.00} i paid {$170.00} over the phone on XXXX then each week after on thursdays for 5 weeks i would pay {$120.00} is what Bonniville Collections agreed would be ok to do to pay my amount owed from the deliquent debt on my credit report. 
Payment Made to Bonniville Collections : XXXX {$170.00} XXXX {$120.00} XXXX {$12.00} XXXX {$110.00} -- -- -- -- -- -- -- -- -- -- -- - total paid {$420.00} XXXX DEBT {$780.00} _________________ {$330.00} AMOUNT OWED AFTER THE XXXX PAYMENTS i MADE. 

On XX/XX/XXXX i paid my payment over phone as payment plan agreed on .I asked what is my updated balance owed after making 3 payments to them for my debt from original creditor XXXX the new balance Bonnivillde Collections is now over a {$100000.00}. I asked why is it more then before i started payments they stated that a debt in their records shows i owe {$860.00} for a delinquent account from XXXX XXXX XXXX from XX/XX/XXXX. I asked why was I not told this when i called to set up payments they did not respond so I then asked them to email me the info on the debt from XXXX XXXX XXXX thsat was date back XX/XX/XXXX. They said they emailed me that info. I did not receive an email about that debt from northwest natural gas. They did state that the delinquent debt was past the statues of limitations when i told them that I am going to file a complaint about this issue. I feel that I should of been notified about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: EQUIFAX, INC.
State: CA
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, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, XXXX, and Equifax. I have informed the consumer reporting agencies XXXX, XXXX, and Equifax by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXXXXXX XXXX  XXXX business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, Transunion ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

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 2023-02-01
Company: Experian Information Solutions Inc.
State: CA
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act

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 2021-08-06
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
JPM Chase Bank is incorrectly reporting a charged off credit card on my credit report that does not belong to me. I have provided both JPMC and the credit bureaus with a copy of a police report from XXXX XXXX Texas which details this criminal activity which has caused great harm to my personal finances and drastically reduced my credit score. Most of the accounts have been removed now from my credit report, however, this account with JPMC in the amount of {$6000.00} under # XXXX still remains. In fact, JPMC is reporting this account as BOTH a charge off AND a currently past due account which is completely illegal and in violation of FCRA. This is the last error that is driving my score down over XXXX points and preventing me from getting a mortgage. REMOVE immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: Aldous & Associates, PLLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2022 I received a notice that I have an account in collections from Aldous and associates on behalf of XXXX XXXX XXXX XXXX. The open balance shows {$280.00} when it was actually {$230.00} owed. 
As of XXXX XXXX the balance has been completely paid but it is still showing a deliquent status in collections on my XXXX report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a Hard collection of {$560.00} on my Credit Report for XXXX posted by Sunrise Collections in New York. I have never ordered or had any dealings with XXXX and secondly if this is a legitimate collection then why have I never received any notice from Sunrise Collections in the mail, by phone or any other means of communications to collect a debt. I have sent letters to Sunrise Collections to remove this from my credit report and they have not done so. I have sent the same information above to the Credit Bureaus and they say the collection is accurate ( not sure what that means since I have yet to be sent anything accurate ). I have contacted XXXX corporate and they can not find any records of me every having an account with them ever or anything ever going to collections and XXXX was supposed to be sending a letter to Sunrise Collections but I have no proof that it was ever sent. I have exhausted every means I know of to have this false collection placed upon my Credit Reports and wish it to be removed. On the credit report there is no account number or anything to even reference this accusation. Please do what you can to correct Sunrise Collections as soon as possible.

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 2021-06-03
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: Was not notified of investigation status or results

Complaint:
I am writing because I been having the same problem with these 3 collection companies and I been telling XXXX and Experian that those were fradulant accounts not opened up by me and for those companies to produce documents with my signature on it or who did they speak to, to verify these claims and till this date I have not received anything from them. This is harming my credit and needs to be deleted and updated. I never got into a contract with those companies bullying me for money, I never signed any paperwork with them and they need to remove those fraudulent reports off of 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 2023-02-12
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Proof of ownership and Authorization to collect from XXXX XXXXShow proof of original Contract and proof of agreement with wet signature... proof of payment history and none payment history... further more I would like company to show location where they are from physical address phone number state and city

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have not applied for any new credit or authorized anyone else to run my credit in the last 3-4 years. I recently downloaded a credit tracking app and was surprised to see the number of unauthorized inquiries on my report. This has greatly impacted my confidence and ability to apply for anything because I know I will either be denied or receive a high interest rate.

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 2021-07-09
Company: Foundation Title & Settlement Services, LLC
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I have communicated with XXXX XXXXFoundation Title and Settlement Services multiple times now that they have facilitated and continue to cover for fraudulent Real Estate transactions. PLEASE VIEW ATTACHMENTS. The fact two different versions of title paperwork exist should be a red flag. XXXX mortgage and XXXX are investigating concurrently and have already provided conflicting information compared to Foundation Title and Settlement Services XXXX 

A home sale has occurred without my signatures being obtained. Their own records indicate that my name is on borrower contract and on conveyance documents but The company will NOT1. Provide home sale signatures of mine that would have allowed sale of the property. 2. The signatures/paperwork that STATES if and how XXXX XXXX became sole title holder. 3. The companys own 4th statement line agreed to the proceeds, means I was, in fact of law, an owner. So again, I ask for copies of ALL PAPERWORK mentioned. What this company did was show segmented portions of a complete transaction. They did NOT provide records of said transaction that is required by law or by The Real Estate Settlement Procedures Act ( Respa ) as they would have had to actually see any transfer of property signatures of mine.

Company response to consumer: Closed with explanation