BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Portfolio Revovery keep insisting I owe this debt, I never borrowed nothing from them and dont how they have all my info and they harassed me all day send me letters and call multiple call daily. I am tired I try to show them I dont owed them any money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, 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:
I have asked the Credit Bureau to do a credit search and I did a complete search as well. 

Account Name : XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act 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 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX  XXXX XXXX XXXX XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX  XXXX XXXX XXXX XXXX 15 U.S.C 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7900.00}

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 2023-03-28
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:
Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a third Follow-Up Letter ( XX/XX/XXXX ), and a Fourth Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ). In total, I have sent four letters asking for a correction to my credit report. 
To date, I have had to dispute incorrect medical collections along with inquiries that are not mine four times. On different occasions, I have received responses from all three credit bureaus with confirmation of these medical collections being removed/deleted from my credit report.

The medical collections are the following : XXXX. XXXX XXXX with account number XXXX for the original creditor " XXXX XXXX XXXX XXXX '' for the original amount of {$260.00}. This medical collection was removed/deleted in XX/XX/XXXX. I have attached supporting evidence to show this medical collection has been deleted. On XX/XX/XXXX, the medical collection that was previously with XXXX XXXX with account number XXXX for the original creditor " XXXX XXXX XXXX XXXX '' for the original amount of {$260.00} was sold to XXXX , XXXX XXXX XXXX, and the account status showing as Opened. This is inaccurate information as this was disputed back in XXXX and removed/deleted in XXXX. 
XXXX. XXXX XXXX  XXXX with Account Number XXXX for the original creditor " XXXX XXXX XXXX '' for the original amount of {$220.00}. This medical collection was removed/deleted in XX/XX/XXXX. On XX/XX/XXXX, the medical collection that was previously with XXXX XXXX XXXX with account number XXXX for the original creditor " XXXX XXXX XXXX '' for the original amount of {$220.00} was sold to XXXX , XXXX XXXX XXXX, and the account status showing as Opened. This is inaccurate information as this was disputed back in XXXX and removed/deleted in XXXX. 

The inquiries XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions 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:
Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a third Follow-Up Letter ( XX/XX/XXXX ), and a Fourth Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ). In total, I have sent four letters asking for a correction to my credit report.

To date, I have had to dispute incorrect medical collections along with inquiries that are not mine four times. On different occasions, I have received responses from all three credit bureaus with confirmation of these medical collections being removed/deleted from my credit report. 

The medical collections are the following : XXXX. XXXX XXXX with account number XXXX for the original creditor " XXXXXXXX XXXX XXXX XXXXXXXX '' for the original amount of {$260.00}. This medical collection was removed/deleted in XX/XX/XXXX. I have attached supporting evidence to show this medical collection has been deleted. On XX/XX/XXXX, the medical collection that was previously with XXXX XXXX with account number XXXX for the original creditor " XXXXXXXX XXXX XXXX XXXXXXXX '' for the original amount of {$260.00} was sold to XXXX XXXX XXXX XXXX XXXX, and the account status showing as Opened. This is inaccurate information as this was disputed back in XXXX and removed/deleted in XXXX. 
2. Law Offices XXXX with Account Number XXXX for the original creditor " XXXX  XXXX XXXX '' for the original amount of {$220.00}. This medical collection was removed/deleted in XX/XX/XXXX. On XX/XX/XXXX, the medical collection that was previously with Law Offices XXXX with account number XXXX for the original creditor " XXXX  XXXX XXXX '' for the original amount of {$220.00} was sold to XXXX XXXX XXXX XXXX XXXX, and the account status showing as Opened. This is inaccurate information as this was disputed back in XXXX and removed/deleted in XXXX. 

The inquiries 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 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 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

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 2023-03-28
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 is my follow-up complaint to tell you that I need these items in my file removed pronto : 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 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 The listed items are erroneously placed in my file I need them gone right away

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 2023-03-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX 15 U.S.C 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: AMERICAN EXPRESS COMPANY
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently requested a notarized validation and verification of debt with a wet ink signature as when I initially signed up I was unaware that the credit card was an asset backed security and believed I had made a mistake by not knowing. I explained I was the agent over the principal and believe I was due back unearned interest. This account was charged off, a taxable event to which I requested not only information about the asset backed security but also for the forms filled with the IRS and the SEC. I asked for accounting information in accordance with GAAP. I asked for a TRUE BILL along with other documentation to which I was ignored and only recieved a copy of a statement, to which I specifically told them was unacceptable. I requested a copy of their debt collection license for the state of Florida, I was ignored. I explained that if they didn't send that information I could not move forward, According to House Joint Resolution 192 I am unable to pay a debt as it is against public policy. I explained that if they did not provide the proper information I would consider the debt discharged and should be removed from my credit report immediately. Again I was ignored. Instead of providing me with the proper documentation, they took adverse action against me and placed a derogatory mark on my credit report which is unacceptable and they do not have my consent to share my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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 2023-11-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited two checks into chase bank. they were my XXXX XXXX XXXX I have POA. 
as for he is XXXX. bothe Checks cleared and we're in account.. I was able to take out The one check {$1800.00} amount. 
Then they froze my account.. The Fraud department froze my account saying they needed third Party verification.. Wich is impossible because he is in jail I asked them to return the XXXX XXXX to the XXXX who issued the check This check is also {$1800.00}. They said No ... I asked them to send XXXX a Cashier 's check... They said No ... They said they were going to keep the money ... because they could not do the third party verification.. XXXX has had not had a cell phone or land line in years .. so even if he was not in XXXX.they could not do the verification ... also they closed My account... when I gave them the power of attorney they scanned it into my New account. 
Someone from the fraud department will not realease the money...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: The J. G. Wentworth Company
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was lied to by JG Wentworth about debt settlement. They mask it as I was given misinformation about the debt settlement. I was supposed to have debt settled withing4-6 months and be clear in a year while paying down the program through them for 48 months. 

The reality is that I will be dealing with settlements for the next 3.5 YEARS!!! I would have never signed up for this scam if I knew that up front. 

Here is the email from them apologizing for " misinformation '' that has me completely ruined financially. 

Good afternoon, I do apologize for the misinformation you were given. It is 4 to 6 months, to get the first settlement. We were able to settle XXXX XXXX quickly because they dont require a delinquency period. The other ones do. Keep in mind, settlement eligibility varies depending on the creditor, account delinquency, the balances of your Enrolled Accounts and the amount youre contributing into the Program.

As we reach settlement with one of your creditors and begin making payments, it is expected with this program to need some time for funds to rebuild in your Dedicated Savings Account to negotiate your next settlement.

Our objective is to negotiate mutually agreeable resolutions between you and each of your creditors for the resolution of your unsecured debts. Our two part resolution process consists of ( 1 ) negotiating a lesser amount owed on the debt with a creditor ( 2 ) negotiating a term payment arrangement. Although terms vary per creditor, many will grant us a 12 or 24 month pay off arrangement. 



So, before we can present an offer, we must ensure that there is enough funds available in your dedicated savings account to cover the outgoing settlement payments owed to a creditor in the time allotted, in addition to our fee collection. 



If it is ever feasible, additional program deposits are encouraged, but not required. Additional funding in your dedicated savings account will help accelerate new settlements. 



If you have any additional questions, you can contact Client Services at XXXX. 

Thanks, XXXX XXXX. 

Client Services Debt Resolution The J.G. Wentworth Company XXXX XXXX XXXX, XXXX, PA XXXX P : ( XXXX ) XXXX F : ( XXXX ) XXXX www.jgwentworth.com

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX is about Trans Union Supervisor, On XX/XX/2023 i put a call in to trans Union on a matter that was very sensitive and stressful to me as I have been fighting fraud for a few years. my complaint is with a supervisor by the name XXXX XXXX on approximal XXXX Est time I was transfer to a supervisor that was very argumentative on laws that he has no clue of and no understanding i called to fix the issues being furnished on my report to know that's i will be bumping to a supervisor aggressively about laws he has no clue of. its unfraternally this conversation was recorded, and I will be asking for a copy since it was recording. he was more worried about my believes in law then helping me.I want to file a complete on this supervisor. 
who truly question the ethnicity. Even when ask is we was done your employee for your trans Union department keep pushing for some type of respond.

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