BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: Harley Davidson Financial Services Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not have an account or owe Harley Davidson Financial Services ( HDFS ) any money. For the past month, representatives of this company have been calling me about a person who supposedly listed me as a reference. I have not answered. Yet, the company, which is a debt collection agency, has called me repeatedly day after day. HDFS has called me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Their telephone number is XXXX. On XX/XX/XXXX, a HDFS representative even called me and left a message using another telephone number, XXXX. My phone voicemail is filled with numerous calls from this company. These calls have been annoying and blatant harassment. 

The representatives leave voice messages for me to call them back about my being listed as a reference or wanting me to clarify some details. I want HDFS to cease and desist calling me because I do not want to talk to its representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Navient Solutions, LLC.
State: MA
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:
Hello, I am writing about a student loan account that is showing potentially negative on my credit report in the original amount of {$13000.00}. My first dispute was denied, however I replied to the denial by submitting evidence that the loan is/was settled for an amount of {$2500.00}. The original debt collector was XXXX XXXX Who works with Navient Solutions and at some point the debt was sold to a collection company called NES of Ohio based on a letter they sent me XX/XX/23. I negotiated paying the XXXX to a settled agreement for account # XXXX in the amount of {$2500.00}. I spoke with XXXX XXXX at XXXX XXXX and have a confrontation number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: LA
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:
Continuant from my initial claim on XX/XX/2021 Equifax received my letter to delete these these fraudulent accounts immediately and block them as of XX/XX/2021 Equifax has not complied to my request and falsely verified these accounts without any physical proof. this is fraudulent and my second time writing them about this now i demand them to both block and delete these accounts immediately. Ive attached the affidavit of truth as well as the certified mail receipt with the evidence that they are indeed are doing fraud and do not have my consent to furnish anything on my consumer reports, no consent is identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony Bank is charging me interest on late fees on an 18 month same as cash loan. When I accepted this card I was told I had a suggested monthly payment of {$75.00}. However they are billing me as if it is required. I have 18 months to pay this account before any interest or late fees are to be assessed

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 2023-11-14
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Bank transfer payment : XX/XX/XXXX XXXX XXXX XXXX Amount : {$1600.00} Receipt # XXXX Actions taken : I provided all required documents requested from XXXX. XXXX responded back and said nothing else was needed. The funds cleared my client 's bank through an XXXX transfer, on my dashboard it read funds would be available in 3 days. That period passed only to get notified that my account was deactivated for no reason and that my funds were being held for 90 days. 

Bank transfer payment : XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX Amount : {$30000.00} Receipt # XXXX Actions taken : I provided all required documents requested from XXXX. XXXX responded back and said nothing else was needed. The funds cleared my client 's bank through an XXXX transfer, on my dashboard it read funds would be available in 3 days. That period passed only to get notified that my account was deactivated for no reason and that my funds were being held for 90 days. 

Bank transfer payment : XX/XX/23 @ XXXX XXXX XXXX : {$30000.00} Receipt # XXXX Actions taken : I provided all required documents requested from XXXX. XXXX responded back and said nothing else was needed. The funds cleared my client 's bank through an XXXX transfer, on my dashboard it read funds would be available in 3 days. That period passed only to get notified that my account was deactivated for no reason and that my funds were being held for 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

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 2021-03-11
Company: Sequium Asset Solutions, LLC
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: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXXXXXX XXXX XXXX XXXXXXXX ... XXXX XXXX XXXX XXXX ... SEQUIUM ASSET SOLUTION ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: TN
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 account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 non-monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
See attached ( Please note : failure to provide the following requested information means that you have not verified the accounts and inquiries as accurate and you must immediately delete the accounts and inquiries for failure to verify. Failure to delete the below mentioned accounts and inquiries harms my reputation and character and your company will be liable to me for defamation in a public jury or private litigation action. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX will not listen to your side of the story because you dont certify it to XXXX. But I do certify that XXXX should not push the same credit card over and over again at consumers when they are looking to improve their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Bread Financial Holdings, Inc.
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My wife 's business XXXX card was put in my name. I paid it off and asked COMENITY pay for XXXX and XXXX XXXX to close the accounts. My bureaus have been frozen for years but instead of making a hard inquiry and getting rejected they allowed my wife to use my social and income without my permission. I paid them in full filed disputes with XXXX, XXXX and XXXX XXXX and they still allowed her to reopen it. I wasn't present, my name and signature was forged and I told them but they still haven't closed it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt that was sold from Best Buy Card Services, financed by CitiBank, to XXXX XXXX XXXX XXXX was {$6300.00}. XXXX XXXX XXXX XXXX is now trying to collect {$6500.00} for the debt. 

After speaking numerous times regarding the balance being inaccurate, XXXX XXXX XXXX refuses to change the balance. 

At one point this debt collector attempted to bring me settle via legal arrangement and their own legal defense dismissed the case. 

Also, this debt collector is claiming that I have made payments towards the account and refuse to provide me with proof of the payments and the source of the payment. After other multiple attempts to reach out to this debt collector regarding this information, they continue to rudely speak to me and refused to provide me any documentation related to these " payments '' that was never made. 

I have also submitted a dispute with XXXX Credit Agency under file number : 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 2023-08-30
Company: EQUIFAX, INC.
State: CA
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:
The listed accounts below are still showing late payments on my credit report despite the multiple letters and appeals sent to Equifax. 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 a customer service representative. Please UPDATE these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: AMERICAN EXPRESS COMPANY
State: NY
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 states that a consumer reporting agency can only furnish an account with my written instructions.

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 any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Rent Recovery Solutions
State: NC
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I am a victim of identity theft and I request for this account to be removed for I didnt apply for any apartments ; this caused me a lot of pain and suffering. To my knowledge someone got access to my information and used my identity to apply for an apartment. I contact the collection agency and they are threatening to sue me if I do not pay ; I am tired of this They are engaged in a willful and persistent pattern of behavior rather than a soared mistake. The FDCPA provide consumer the right to bring a civil cause of cause of damages caused by abusive behavior, manipulation, and improper debt collection practices. EACH REPRESENTATIVE HIDES THEIR IDENTITY! EVERY TIME I CALL THEY PICK UP AND SAY THEY CANT GIVE THEIR NAME! This is another illegal practice that they are involved in. 
They only answer and say thanks for calling rent recovery solutions and when I ask for their name they laugh and say I cant give you! This is very unprofessional. This company is obviously a scammer ; they cant identify themselves nor break down solid prove that I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: MD
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 want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX  has violated my rights under 15 USC 1618 section 6 o 2 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 an account with my written instructions. Under 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 any purpose.

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-15
Company: EQUIFAX, INC.
State: DE
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. 

XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXXXXXX XXXX XXXX : Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # 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 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 explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 2023-04-16
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I sent the credit Bureaus letters asking them to verify the debt on my report. they have sent it back stating that everything is verified correctly. My credit report is showing inaccuracies. 15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021, I have received some funds on my PayPal account for mutual aid purposes. But for some reason, PayPal made all of my money on hold because they thought my personal account was used for selling stuff. And now for the next few payments, I receive through PayPal, the payments may be temporarily held for up to 21 days. I need PayPal to lift up these pending payments also put my money back on my balance and NOT on hold. The money is from my friends & family for my own personal and daily use. I'm not a seller and ALL my transactions are for mutual aid purposes. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Resurgent Capital Services L.P.
State: UT
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:
LVNV Funding is reporting a collection on my credit file that needs to be removed. I have been disputing an account with them through the bureaus but they continue to report negatively on my credit file. I settled this account a very long time ago as I did not know about this collection. However, they continue to negatively affect me from being able to finance my home. I ask that LVNV Funding remove the collection from my file since it has been satisfied. I am aware they report to the bureaus as they deem fit because they are the furnisher. Please remove accordingly or I will continue to exercise whatever rights and remedies we have under the law to enforce this removal not excluding legal suite .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: IL
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:
XX/XX/2023 XX/XX/2023 XX/XX/2023 I have filed XXXX complaints prior to this on requesting that they send over a copy of the signed loan agreement. They continue to send over a check. This check does not validate or constitute that I entered into any type of loan agreement and according to the FCRA validation must be provided. This still has not happened. 
The company is only sending a copy of a check. 
I have never requested a loan from this company nor did I ever enter into an agreement or sign any check for a loan with this company.

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