BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
Company: NCB Management Services Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
NCB management has damage my credit report after I sent a written notice pursing to 15 Usc1692c ( C ) and they failed to cease collection.

Attached is my certified receipt showing that their company representative signed off on it. 

Attached is also my second notice per 15usc1692c ( C ) I REFUSE TO PAY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke to the creditor of apartment complex they say I dont owe anything but this collection agency keeps putting this debt in my credit report is that for {$2200.00} which I dont know Ive been trying to contact them and tell them to contact the creditor and they refused. They just keep putting in my credit report. I also talked to the apartment complex and they said they already spoke with the collection but they keep trying to charge 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 explanation
Consumer complaint received 2023-12-16
Company: Spring Oaks Capital, LLC
State: NV
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:
SPRING OAKS CAPITAL I did not enter into any type of agreement nor sign. Any paperwork contract with this company I requested to have this account removed from my credit report because it is in accurate. And I am not liable for this with XXXX XXXX or XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
They are reporting a collections account from XXXX XXXX XXXX  in the amount of {$690.00}. This is not my account and is the result of identity theft. This fraud account needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Mr. Cooper would not release the second lien to HUD, and we have still yet to get the release for this... This has been an ongoing battel with them for months now and we have heard nothing ... HUD has not received the loan to be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: IN
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:
The Credit Bureaus stated my accounts was properly investigated, but how is that possible if the open dates are inaccurate, the dates last active are inaccurate, accounts that are in collection are also being reported as late payments, and the dates last reported is not accurate. This is grounds for removal. 

Inaccurate Accounts : All dates are inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : My information was shared with these companies without my permission or consent 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 THEY ALSO VIOLATED my rights under 15 U.S.C 1681 sections 602 A. States I have a right to privacy 15 U.S.C 1681 sections 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions The Credit Bureaus are in direct violation of Federal Law under the Fair Credit Reporting Act ( FCRA ) 1681a ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I, the consumer and natural person, am filing this complaint about my consumer report in its entirety. The Credit Bureaus have assumed this role without my PERMISSION OR CONSENT! They did not exercise their grave responsibilities, they were unfair, they were partial, and they did not RESPECT my RIGHT TO PRIVACY! They NEVER had a permissible purpose! And I NEVER INSTRUCTED Them to furnish or create this report and I NEVER CONSENTED to this report in the first place. I have disputed these reports in their entirety as well as other accounts time and time again for years. I have asked them to remove ALL items from my consumer reports AS SOON AS POSSIBLE! And since they have failed to make reasonable procedures to resolve my requests to remove this report in its entirety, I am now being misrepresented by each Credit Bureau because these corporations have chosen to continue making fraudulent statements in my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am submitting this complaint to to address issued regarding an account reporting inaccurately as collections on my credit report. This account has clearly an inconsistent and inaccurate history.

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 2023-12-15
Company: Experian Information Solutions Inc.
State: IL
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:
Please review the attached documents. I am urging the bureau to initiate an investigation into these accounts, as they are erroneously reporting me as late despite my punctuality.

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 2023-05-17
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Customer Support Team, I am writing to express my strong dissatisfaction with the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation has been placed by mistake, and I would like to submit a formal complaint to appeal this PayPal decision. I would like to emphasize that I have not violated any PayPal policies or engaged in any activities that warrant such a severe action. Therefore, I would like to kindly request PayPal to re-investigate my case thoroughly and restore my account if possible. As a long-standing PayPal user, I have always followed PayPal 's policies and procedures and have never faced any issues with my account. Therefore, I am confident that this limitation is a result of a mistake, and I urge you to re-evaluate the situation carefully. I understand the importance of maintaining the integrity of the PayPal platform and the need to take swift action against any policy violations. However, in my case, I have not committed any such violations, and I am confident that a re-investigation will prove my innocence. In light of the above, I respectfully request that you conduct a thorough investigation of my account and restore it as soon as possible. I hope that this issue can be resolved promptly and efficiently, and I look forward to a positive resolution of this matter. Thank you for your attention to this matter. Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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:
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : USDA RURAL DEVELOPMENT Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 Account number : XXXX Account name : XXXX Account numberXXXX 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 2021-05-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received an alert that a new account showed up on my credit report for a loan that I have never applied for and don't want this on my credit report or want it to lower my credit scores being I never have applied for a loan with 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 2022-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have BK OF AMER. I have always made my payments on time. For some reason, I realized that there were XXXX days late payments on my credit report for the month of XX/XX/2019. I have read enough to understand my rights. The XXXX Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about this complaints, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
BK OF AMER XXXX Date Opened : XX/XX/2019 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 2022-12-20
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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. 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. ) This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$800.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3200.00}, and XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: GA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  XXXX Balance : {$30000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 Account # 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 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 2022-11-30
Company: Experian Information Solutions 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:
This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 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, physically & financially... and I would truly not what to pursue a legal remedy... PLEASE DELETE this account below : XXXX XXXXXXXX XXXX XXXXXXXX

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 2023-12-13
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
-I have a line of credit with Goldman Sachs Bank USA . 
-I initiated a draw but it was denied.

-It was rejected and I was told the reason is " Level of delinquency on accounts for one or more guarantors '' -I requested on where to get a credit report to show what is delinquent, as I have checked my credit and do not show any negative marks. 
-Goldman Sachs then said to reach out to XXXX XXXX XXXX 
-I requested the business credit report from XXXX XXXX XXXX However it was not sent and I was told " Currently a business credit report is sent only to companies whose files have been accessed by XXXX XXXX XXXX XXXX members. However, we are unable to determine that a report for the company noted in your request has recently been generated for review. '' -I was denied a draw on my line of credit but they have not provided me a specific reason ( s ) for denying your credit application.

-Goldman Sachs has not given me my credit score and the credit reporting agencies that provided the information.

-Goldman Sachs has not provided me free copy of your credit report from each of the credit reporting agencies.

Company response to consumer: Closed with explanation