BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: CAVALRY INVESTMENTS, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Case # XXXX - XXXX XXXX account from Cavalry with insufficient validation information case # XXXX. 

I am reporting this credit application that includes WRONG information. 

XXXX was unable to verify my personal information prior to their approval. 

THIS IS A BIG ISSUE AND TOTALLY UNACCEPTABLE. 

I have requested from Cavalry the exact location of the store where the purchase was made ; Cavalry was UNABLE to provide any information. 

This collection account on my report is causing me major problems with other creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2023-04-29
Company: National Credit Adjusters, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, In XXXX of XXXX  my credit report showed a debt balance of {$1100.00}. The ordinal creditor is XXXX XXXX. When I gave them a call that this was NOT me and gave them my social security to run nothing came back from there end. They suggested for me to call the debt collector since from my end it did show it was in collections already. I procced to give the debt collector a call as well which is National Credit Adjust and mentioned to them as well that this debt does not belong to me. I gave them my social security number as well so they could run and same thing happened. Nothing came out from there end. All they had to say was once it did show from there end, they would give me a call back. I need this removed because firs offt it does belong to me, so this is a identity theft issue. 

Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Byrider Franchising, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
They are participating in deceptive trade practices. They do not make it clear the CNAC and JD BYRIDER are the same company. The did not make it clear that the vehicle had been in previous accidents. They advertised one price for a down payment then later stated the down payment would be spread out in 4 payments amongst other deceptive acts. The damage the vehicle has previously had had greatly affected me financially. They claim to have an 80 plus point inspection yet the vehicle needed a new battery a few days after purchase. I also wasn't aware the loan was not through JD BYRIDER and was through a 3rd party. I also was not aware there vehicle was collateral for the loan. I was not aware of a lot of things. JD BYRIDER has multiple cases of deceptive practices. Nor was I notified of my right to rescind.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Global Recovery Group
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Immediately after three separate failed attempts by a XXXX number exactly 1 minute apart to contact me on my cell phone, my wife got a call from a " local '' number on her cell phone XXXX which she answered. The person was claiming to be XXXX XXXX ( a courier ) that would be delivering law suit paperwork if I did not call XXXX and give them reference number XXXX. So I called the XXXX number listed above and was told that the company name trying to collect was Global ( nothing else " just Global ). They claimed that I acquired a payday loan which now has accrued a balance of XXXX. I asked them what the original loan amount was that was taken out and when it was taken out ( both of which they could not answer except to say, " we ca n't see that on our end '' ). I then asked him for Globals mailing/street address, contact telephone number, debt collection license number, and a validation letter. Once I did this I was asked to be placed on hold. After a brief hold I was then " transferred '' to the complaint department ( to my surprise ). I quickly restated the previous questions in the same order and then the women ( whom never would give me her name ) got angry and told me to do better research on what to ask of debt collectors and then got hung up on. Shortly following that conversation I received a call from a " NO CALLER ID '' and it was XXXX XXXX again. He was threatening to deliver paperwork to my place of employment Envoy ( which is n't even accurate ). I asked him who the debt collector was and all of the same questions to which he had no answers to. He just kept threatening me with being served papers and asking where I was and when he could show up. I told him to come to my house to deliver them and I 'd be waiting for him. He then stated numerous times that he would come to my place of business and ask the president of my company where I was currently even though I had just told him I 'd be at home. I laughed. He then kept asking me if I thought this was a joke etc. I finally said yes I think it is considering I have never taken a loan out and that no one could offer me any sort of legitimate answers to my simple questions. My assumption is that is a total scam. Therefor I am formally filing a complaint in hopes that the CFPB can begin an investigation against this apparent scam.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A charge I did not recognize appeared on my card. Visa refused to undertake an investigation, but in doing so did not comply with requirements of the Fair Credit Billing Act. The company continued to ask me for information about the charge but I can provide no information about a charge I know nothing about. The Fair Credit Billing Act requires : XXXX. That Visa " conduct an investigation yourself and that you set forth the reasons why you believe the account was shown correctly. '' This was not done. See attached correspondence from Visa XXXX. The Act also requires Visa, upon my request, to provide copies of documentary evidence of my indebtedness. Despite my written request, this was not done XXXX. The act also states " In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed or otherwise sent to the obligor and provides the obligor with a statement of such determination. I requested this statement but it was not done. In fact, it can not be done because I received no services. I wrote to Visa about this but my letter was ignored In their letter, Visa state " we found no evidence of a billing error ''. But that is NOT the standard under the Fair Credit Billing Act. The Act requires Visa to show why the charge is correct, to provide documentary evidence, determine that goods were delivered and make a statement to that effect. None of this was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXXXXXXBalance : {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXXBalance : {$2600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Having problems finding out LTV from mortgage servicer. I am trying to find out when PMI can be 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 explanation
Consumer complaint received 2017-11-06
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have been trying to clear errors on my credit report starting XXXX XXXX until now. Recently Equifax inadvertently changed my address to reflect XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX I had in the past months sent them a copy of my ID and my utility bill but they changed it to reflect something incorrect. Secondly, there were several items removed off my credit report in the past months, On XXXX XXXX, XXXX the items were not listed on my credit report, on XXXX XXXX XXXX I refreshed my credit report and they had readied the errors back on my credit report without sending the reinsert letter which is a clear violation of the FCRA, FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 
*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. 

Here are the accounts added on my credit report without sending the reinsert letter XXXX XXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX - {$45.00} XXXX XXXX XXXX XXXX - {$840.00} XXXX XXXX XXXX - {$78.00} XXXX XXXX {$54.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
tried to change phone number on online account profile four times, never worked. Reported problem to experian. Got auto emails and no assistance with correcting incorrect information on my " credit account ''. The online account management is not working. The experian customer service is just an auto reply garbage collector. It is a crime that the credit reporting agencies ( experian ) can suck up all information about you, but can not manage or protect it. Oversight and regulation and penalties for mismanaging critical personally identifiable information is sorely needed. Credit information these vampires collect directly affects your ability to get credit, your job, and your insurance. still waiting for assistance beyond an auto email saying experian says " try again ''. XXXX and XXXX can do the job, why cant 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
Consumer complaint received 2023-04-29
Company: EQUIFAX, INC.
State: PA
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:
XXXX formerly XXXX XXXX {$0.00} Paid off Status reporting 30-59 days late This information is incorrect. Was never late on this loan. Is stating that I was late in XXXX but car was 85 % paid off by then and payment was never late Please correct

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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:
In accordance with the Fair Credit Reporting act XXXX Account 1. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) 2. ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) 3. ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) 4. XXXX XXXX XXXX XXXX XXXX, Ga XXXX ) 5. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ) 6. ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) 7. ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) 8. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-05-04
Company: EQUIFAX, INC.
State: PA
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:
In an attempt to apply for credit, I was denied and checked my consumer credit report. XXXX was the only reporting agency that had a credit score for me, and also had a late payment showing on my XXXX XXXX account. This is completely incorrect! I checked further and saw there were two companies, XXXX and XXXX XXXX XXXX, both on my report as collection agencies. This is definitely fraudulent because I never opened any kind of account with the, or are in no business contract or obligation. I noticed both Equifax and XXXX also have collection accounts for me for XXXX XXXX XXXX and XXXX XXXX, companies that I have no knowledge of nor should they have the right to defame me. I have contacted all three CRAs and there still has been nothing removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-01-31
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
ERC Corporation, is in violation of 15 U.S.C 1692-1692p. On 2019 XX/XX/XXXX, I XXXX XXXX do swear that I received a phone call at work from a Representative of ERC Corporation, in violation of 15 U.S.C 1692c ( a ) ( 3 ). The person i spoke with was both abusive and oppressive with me, in violation on 15 U.S.C 1692d. The individual calling did not want to provide information to me that would help me to understand the propose of his call. 
I was unable to talk at the time of the initial call, so i called back and spoke with a young man by the name of XXXX. I verified with him my name, and the number in which i was calling from. upon locating a reference number, XXXX was able to provide the for reference number without me providing him with additional personal information. XXXX apologize for the way i was treated and would investigate the matter further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

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 2022-12-13
Company: EQUIFAX, 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:
I have sent numerous requests to XXXX, Equifax, and XXXX for them to update my credit reports from the incorrect addresses and names that re reporting on my credit. They keep ignoring my requests and letters so I am formally filing a dispute for it to be deleted immediately. 

XXXX is reporting the incorrect names of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax is reporting the incorrect addresses of : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax is XXXX the XXXX names of : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation