BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-23
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. I sent a Creditors Validation letter to Credit Protection Association LP on XXXX. Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. Credit Protection Association LP claims I owe a debt from an Grande Communication that I actually left on my given time. I had my Personal Financial Consultant XXXX XXXX to speak on my behalf with them as well. I sent a legal authorization form to them as required. I sent them a letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case, the debt was validated in thirty days ( 30 ) by Credit Protection Association LP. Therefore, by the FDCPA that Credit Protection Association LP was not able to prove that I signed a renewal lease. So, Credit Protection Association LP was supposed to inform me and XXXX XXXX that they are removing themselves from my credit report for not being able to validate the debt. I have my XXXX XXXX Consultant XXXX XXXX to speak on my Behalf with them and record all the calls on my behalf. Under the State of Texas Recording Law and Credit Protection Association LP agreed to the recording by accepting my authorization letter signed by me giving XXXX XXXX XXXX authority to speak on my behalf. As you going to see the letter state that all calls will be recorded on my behalf. I am going to provide the recording, the creditor 's validation letter, the mailing dates they received the letter. Now, according to the FDCPA that is the Fair Debt Collection Practice Act the collection company has thirty days ( 30 ) to respond to the letter. No one has made an attempt to call are send me a letter stating that they have validated the debt nor have the ceased all collection efforts because they can't validate the debt. According to the FDCPA, a collection company must cease all collection efforts and remove themselves from the consumer credit report if they can't validate the debt ; unfortunately, Credit Protection Association LP is not abiding by the FDCPA. At, this time I like for an investigation to be started for the removal of Credit Protection Association LP from my credit report. I am going to provide all my evidence to my case.

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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I purchased my new vehicle in XX/XX/XXXX. My first payment was due XX/XX/XXXX and on the XXXX of every month after that. I am a XXXX XXXX who is paid in arrears at the end of every month. Because of that, I made my XX/XX/XXXX payment on XX/XX/XXXX. I paid off the entire balance of the loan on XX/XX/XXXX. After my credit report was updated with the loan payoff, I received notice that my account was reported for a 30-day late payment. I called customer service and was told I didn't make my XXXX payment. I explained due to how I am paid, I made my XXXX payment on XX/XX/XXXX, which was not 30 days late - even if you counted actual days. I also explained that I pay other accounts in this manner without issue and had a 100 % on-time history with all my other accounts. He explained he couldn't help me and that I would need to write a letter and send accompanying documents to their XXXX XXXX XXXX department. This is unsatisfactory to me due to the fact that the company just paid out a large class action settlement to millions of customers in XXXX due to inaccurate reporting and taking an unreasonable amount of time ( sometimes years ) to correct inaccuracies. Without the ability to call or email the department directly, I will be unable to know if my dispute was received or if anyone is working on it. My credit history is too important and costly to just sit around and hope it gets resolved. I am hoping the CFPB can assist me in getting this resolved.

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 2023-08-08
Company: EQUIFAX, INC.
State: OH
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-27
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX has failed to provide copies of ( 2 ) original documents ( a consumer contract with my signature ) according to the law, Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) from XXXX XXXX XXXX after numerous written requests and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Hi my name is XXXX XXXX XXXX XXXX XXXX and I am a XXXX XXXX and XXXX XXXX. During the month of XXXX I fell victim to a banking scam, and it basically affected me my whole first semester. I was banking with Chase Bank of America at the time, but now I bank with XXXX. In terms of the banking scam and the problem with my bank is that I was sent money, I believe they were two {$1000.00} checks, which were apparently altered or stolen checks that were put into my account by a scammer. I was not comfortable with the money being in my account so I sent the money back to this ( scammer ) that I didnt know was scamming me at the time. Then a few days later I looked in my account to see that {$2000.00} dollars was returned out of my account by my bank, and they did this without my knowledge. Then I contacted the scammer out of panic to try get my money back, after speaking with the bank, and they said there was nothing that they could do. This led to multiple unauthorized XXXX payments of {$500.00} amounts and false checks that were eventually taken out of my account by the scammer. The scammer even filed dispute claims on transactions that I made, and one of them was a tuition payment that I made towards my first semester of college. This shows the lack of security and lack of accountability that chase holds. They completely refused or claimed that they can not do anything. Eventually my account went in overdraw, and I went from having {$9000.00} to {$0.00} from my savings and checking account combined over the course of 3-4 months, and then it even went in overdraft because of all the false checks that were being put into my account and being returned that I am now accountable to pay off when I now have little to no money. I am working with my school and the police to try resolve this situation that I am in as well. I hope this is enough information about my situation, and I apologize if I did not include any specific dates because after the first incident with the checks it went out of control, and I couldnt keep track of everything on top of school. I learned a valuable lesson, and even though it affected me, I think of it as a learning experience and I am going to recover from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report 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 2022-12-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft and the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by me nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting.. I previously requested proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : XXXX XXXXXXXX XXXXnquired XXXX XX/XX/XXXX, XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXXInquired oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Inquired on XXXXXXXX XXXX XXXX XXXX-Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquired on XXXX XXXX, XXXXXXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquired on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXInquired on XX/XX/XXXX, XXXX XXXXInquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXInquired XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXInquired XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXXInquired on XXXX XXXX XXXX XXXX XXXX XXXX-Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, 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:
Facts - This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession. All is being investigated by the FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: CITIBANK, N.A.
State: OH
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:
These inquiries on my report are unauthorized. In accordance with the fair credit Reporting Act XXXX Account, 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.

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 2021-05-26
Company: ACIMA CREDIT, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Ive been trying to get help for the last few weeks but have been unsuccessful. The website doesn't let me sign up or the phone calls have been nonproductive. Signed up for payments with Acima and they took a payment of {$32.00} and it was successful, however, the problem came when my bank sent me a new credit card with a new number. So, I called the company to update my new number so that my payment would be on time and uninterrupted and acima told me that my last 4 digits of my social security number that I gave them didn't match the one they had on file which was a shock to me. So I asked them could I just give them my new credit card number so I could pay it off and they told me no, I have to send them my social security card and drivers license over the email for them to verify my identity or I could not pay my balance and I would incur late fees. I don't want my credit to go bad as I have perfect credit. Im worried to send my personal info to them over email because it's not encrypted or secure. I told them I felt uncomfortable about that and they said that's the only way. I want to pay my bill off but they wont allow me to do that. I am stressed and over all of this. I want a resolution that does not involve me sending my personal info via email but they offered none other than that, XXXX couldn't help me either as they said they paid them off. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX XXXX was reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.

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 2023-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 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 : Its also states a consumer reporting agency can not furnish a account without an written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was informed Nationstar Mortgage LLC XXXX Mr Copper Inc XXXX XXXX was constantly harassing my family demanding I own on a mortgage and was going to foreclosure on the home. This home is free and clear of any mortgage. I personally have never contracted with any lender from this company. I attempted to stop the harassment but it still continued without any success. I now seek compensation for the disrespectful behavior and tactics used. The XXXX XXXX XXXX and XXXX XXXX XXXX had hired a third party law firm to handle their false allegations against me. The name of the law firm is XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I bring the blood Of the XXXX XXXX XXXX between us. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Arkansas, XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX To TransUnion Dispute Department This non qualifying inquiry is reporting on TransUnion. None of which are including a Firm line of credit, result of insurance, result of employment request, apartment application, nor court ordered by this creditor. Therefore this inquiry is inaccurate. Which is a Fcra violation for deletion within " 30 days ''. Im specifically requesting deletions for the following Inquiry on my Credit Report below. 

Delete XXXX XXXX XXXX XXXX  XX/XX/XXXX because it is a non quailing inquiry. It is not reporting with a firm line of credit attached, apartment application, employer request, insurance, nor court ordered by this creditor. Delete it Immediately! 

I take this matter very seriously, I completely understand my rights under the FCRA and that in Cushman v TransUnion ''. The courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that they cant just use the XXXX XXXX because its not considered reasonable. They can not just say that we went to the Creditor and/or Collectors and got this information and they just say that its verified and we can say that its verified. No! 

I do trust that this matter will be handled amicably. And please send me another credit report afterwards. Thanks!

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 2018-08-15
Company: Perfection Collection
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In 2015 a salesman from XXXX talked me into getting an alarm system. 
He gave me a price and I accepted, but XXXX kept raising my bill, also the house is rented and my landlord rejected it. Another factor is I'm XXXX years old and XXXX XXXX XXXX  for XXXX  XXXX ... It turned out I had to stay at a VA hospital and wasn't home ... I called XXXX and begged to be released from the contract.Within 2 weeks they removed the equipment and I thought it was over. Next thing I know they referred the account to Perfection Collection and kept charging me monthly until the account rose higher and higher..I never received any letter of resolution from Perfection, the only way I found it was that my excellent credit took a serious hit..I keep getting refused for credit because of this collection company..It shows up bad everytime ... I need to erase this black mark as soon as possible..It is unfair, I was taken advantage of by XXXX because I suffer XXXX XXXX and didn't know for sure what the terms were. Can you please help me?

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