BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I opened a loan with loanme me and originally had an issue with payments therefore i was offered a settlement, i made my payments on time and at the second to last month of my payments i was advised my loan was transfered to XXXXloanme branch. I was advised the branch did not have the updated terms of my loan but that i could pay the balance and would receive a close out notice. There is a new loan open under my name that I did not my payment was accepted and I never received a close out notice. Customer service reps transfer me around whenever i am able to get in contact i am concerned a false loan will be placed on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: EQUIFAX, 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:
I XXXX XXXX. Myself is victim of Identity theft. I am attaching my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: NY
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 have been a victim of Identity Theft and the items I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. I have read that Experian is guaranteed to fulfill the FCRA regulation but regardless of all my labors to notify Experian about the theft of my Individuality and that the items were never mine, Experian never feel a concern nor paid any care to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... I need the following Items removed now! 

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 explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: NY
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 have been a victim of Identity Theft and the items I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. I have read that Equifax is guaranteed to fulfill the FCRA regulation but regardless of all my labors to notify Equifax about the theft of my Individuality and that the items were never mine, Equifax never feel a concern nor paid any care to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... I need the following Items removed now! 

XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello, for approximately 3 years I have had a freeze on all of my credit reports. I have been able to unfreeze all of them except Trans Union. 

I have tried for the last 6 months to unfreeze my Trans Union credit report with no luck. When I sign into the Trans Union website and attempt to unfreeze it, the site says I am unable to unfreeze at this time. 

I have called the customer service line and used the help chat Trans Union offers to try and get help. I have provided the PIN number required to unfreeze my report. Each time the representative says my report is now unfrozen ; however creditors tell me it is still frozen and they are not able to see it to offer me credit terms. 

Each interaction I have had with a Trans Union representative is hard as there is a language barrier and their employees are hard to understand and don't speak English very clearly.

I am also very uncomfortable with people overseas and in other countries having access to my personal information, and being required to give my SS number and DOB over the phone to them when I have called in the past.

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 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft

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 2023-08-10
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I received a text from Santander that stated the following : 'This is Santander Consumer : We may have a program available that could reduce your monthly payment by 25 %. Please call us at XXXX to see if you qualify. ' I contacted Santander at XXXX and spoke to XXXX ( ID # : XXXX ) who repeatedly threatened me with repossession of my vehicle. I repeatedly asked about the 25 % payment reduction program and was never told details, payment date requirements, nor what I needed to do specifically. I believe repossession was repeated to me at least 4 times which was what i intended to prevent by calling to make payment rearrangements. As the call was not progressing I asked to speak to a manager and was told none were available. I asked if a supervisor was able to call me back and was told that was not possible. I was then put on hold and then hung up on. XXXX also stated that he can not provide a corporate address to me. 

I am a single father who is impacted by Covid-19/Pandemic. My income has been reduced by approximately 40 %. We are living under the threat of eviction and I have been paying my rent plus an additional amount to my landlord as a result. I contacted Santander Consumer USA Inc in response to their reaching out to me via text regarding the 25 % payment reduction program which would allow me to resume payments. 

I was never given ample opportunity to discuss the program in detail, or to apply for the program. The representative ( XXXX XXXX appeared to be driven to obtain a payment as a performance metric primarily. This caused me and my humanity to be pushed aside in effort to oblige Santander Consumer USA Inc collection directives. I was told by representative 'XXXX XXXX on XX/XX/23 this morning that representative XXXX ' noted that I did not qualify for the program due to 'Insufficient Income ' and 'No Next Payment Date ' ; none of which was communicated to me nor discussed fully. The tools provided to the representative 'XXXX  XXXX, were NOT used to the extent of rendering the proper help/assistance available, for a ( an ) unknown reason ( s ).

I also spoke to Executive office representative, XXXX XXXX, ID # : XXXX, on XX/XX/23 at approximately XXXX XXXX who also confirmed that my 'ineligibility ' is noted falsely and in error as what was noted was not discussed with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
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: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit act XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX, XXXX XXXX XXXX REFERENCE # 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. States that a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: ERC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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: Credit inquiries on your report that you don't recognize

Complaint:
Looking to get all inquiries from XXXXequifax to be removed they were not authorized by me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was charged {$150.00} on XX/XX/23 for a class I did not attend. I disputed the transaction with Wells Fargo, and I initially received my money back, only to be charged {$150.00} on XX/XX/23, resulting in an overdraft of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Payward Ventures Inc. dba Kraken
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I had an account with Kraken that was closed in 2019. I need the account history in order to complete my taxes for 2019. I have been trying for months to get this account history, and they keep refusing or ignoring me. I can not complete my taxes for 2019 without this information, and I am suffering greatly in all my financial matters that require a 2019 tax return as a result. 

I just want my account history for me, personally, and for my XXXX so I can complete my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX, I contacted speedy cash at which time I requested validation of the bill and requested an itemized statement with a copy of my original receipt/invoice with my signature. I never received the requested information. I received a credit bureau notification today in which a collection agency AD Astra Recovery servicesXXXX is reporting a negative on my 3 credit reporting agencies. As of today XXXX, I have not received a phone call nor a notice of bill and rights to dispute. I called today and spoke to XXXX who then transferred to Manager XXXX. I informed them that on both communication with speedy cash on XX/XX/XXXX and XX/XX/XXXX, I requested an itemized bill with a copy of the original receipt with my signature which I never received. 
Today, while on the phone with XXXX from AD Astra Recovery services, She lied and stated to me that I spoke to the collection agency on XX/XX/XXXX. I informed her that I did not speak to them however it was Speedy cash, she then went along and admitted that they purchased this account from speedy cash on XX/XX/XXXX and that they have not spoken to me. XXXX the manager has been made aware of this situation and per her request sent an email of dispute to XXXX. Copy of this complaint is being sent to Consumer Financial Protection services As well as Ad Astra Recovery Services. Certified Letter has been sent to Ad Astra Recovery Services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: TX
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:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX Inquiry : XX/XX/XXXX XXXX XXXX # XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX # XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX # XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX  Balance : {$390.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2023-05-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On Tuesday, XX/XX/XXXX, I paid the settlement amount with a zero balance owing to Portfolio Recovery. They assured me they would contact their attorney, XXXX XXXX, that filed a lawsuit against me to tell him the debt is no longer owed and the arbitration does not need to proceed. I called Portfolio Recovery today to make sure they contacted XXXX XXXX to tell him the debt is paid, and now they are telling me it can take up to XXXX hours for them to contact the attorney. The arbitration is set for Monday, XX/XX/XXXX. I sent the attorney and the arbitrator the email confirmation I received from Portfolio Recovery showing the debt was paid and has a XXXX balance owed, but the attorney is not dismissing the case like I was promised. 

Also, I never received any communication about the debt prior to being served with a summons because the attorney was sending everything to an address two cities away from where I live and has never been my address. I was never given an opportunity to verify the debt or negotiate settlement prior to being sued because he was sending everything to a strangers address where I have never lived. 

The attorney is now also trying to sue me for a second debt which I also paid and has a zero balance owed. He sent an aggressive process server to my house today and he came in my side yard trespassing on my property and yelling at me in my backyard. He wouldnt leave until I threatened to call the police. This is for a debt that is already paid and has a zero balance owed.

Company response to consumer: Closed with explanation