BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: Global Lending Services LLC
State: NJ
Product: Debt collection
Sub-product: Auto 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 voluntarily repoed a vehicle 3 years ago. I am NOW being told I owe almost {$5000.00} to a debt collection company by the name of XXXXXXXX XXXX XXXXXXXX. I had to agree to pay them {$180.00} a month for 24 months. I complied with the first payment out of pure fear due to the fact that the paperwork I was sent threatened wage garnishment as well as arrest and up to 180 days in jail. I can not afford to pay this debt. I have XXXX paperwork showing actual proof of this debt other then the one letter I received from them threatening me. When i asked if I can give them less per month I was told no. I need help desperately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an alert on my credit file that a company had reported false information that I owed a debt to the company ENHANCED RECOVERY CO L XXXX XXXX XXXX, XXXX, FL XXXX, had reported that I owed a debt they had not contacted me by mail phone, or email when I tried to contact them the phone number listed just ran and hung up. This is not my account nor do I know anything about it they are violating the Fair Collection Act and need to be fine!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Over the course of a year and after several phone conversations and letters with Transunion regarding several consumer credit transactions showing on my reports " still '' showing up, have refused to remove them. Per 15 usc 1681b ( 2 ) In accordance with written instructions of the consumer to whom it relates. I never gave them permission to furnish these accounts on my behalf no consent is Identity Theft.

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 2019-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Have been trying to use online dispute processes for TransUnion, XXXX, and XXXX, I have log ins for all of them yet I cant get any of the links to work, or I get a message that I should try again later. When I was successful, all I got was that the investigation meets FCRA, but received no confirmation that the debt was legitimate.

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 2023-08-03
Company: LEXISNEXIS
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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to
subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no
other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: MD
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:
I went to check my credit report prior to loan for daughters school and realized I have damages on my credit report. According to 15 USC 1681 Law there should not be any damages on my report as it is a defamation to my character. 

XXXX, EQUIFAX AND XXXX HAVE AIDED IN THIS FRAUD BY NOT VERIFYING THESE ACCOUNTS pursuant to XXXX5 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. You are in VIOLATION of this law because I am a victim of identity theft!! I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 

PLEASE DELETE ALL FRAUDULENT ACCOUNTS IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am in the midst of a personal crisis and unable to get past the application for the small loan. 

Since 2014 I have tried to get my credit report but it is impossible to accomplish this task. I reported to the Indiana Attorney General ( XXXX XXXX ) and have gotten nowhere. 

I have run out of options to resolve this issue. In the spite of the all the issues I am tired of all the screen messages, no such name, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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: Account information incorrect

Complaint:
the 3 credit reporting agencies are reporting inaccurate information by recording my " transactions '' and or " experiences '' according to title 15 usc 1681b and 1681 ( 2 ) ( A ) ( i ) and 15 usc 6802 I have a right to opt out. where is the disclosure on this information? because this information is reporting inaccurate I want these late payments removed immediately. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$460.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-09-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
States I opened an account on XX/XX/2018. I had not opened an account with portfolios recovery at all or with anywhere else. Its false to state that I opened an account on date stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
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:
As I know and as you, Equifax, should know that pursuant to 15 USC 1681 ( b ) ( Permissible Purposes ) as well as the FCRA section 604 ( a ) ( 3 ), you are in violation, by allowing multiple 3rd parties to access my private and personal information. This has not only damaged my personal but my family and household as well. By allowing my report to be viewed by MANY without my direct authorization is an invasion of my privacy as well as being illegal! I have made NUMBEROUS attempts to have them removed to NO avail. TODAY, The remedy that I seek for your violations is deletion of all soft inquiries and {$5000.00} payable to myself. However, I am willing to negotiate. If I do not receive remedy or counter, from this notice within 5 calendar days, I am ready to file documents in small claims court. 

Notice to agent is notice to principal, notice to principle is notice to agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Experian Information Solutions Inc.
State: OH
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:
I filed a complaint with identity theft.gov yet the fraudulent takeover of my account was never resolved, leaving a negative mark on 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 explanation
Consumer complaint received 2017-06-30
Company: Receivables Performance Management, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX I contacted Receivables Performance XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX via phone regarding information on my credit report from their company. Receivables performance told me they do not have an original contract from the debtor-XXXX XXXX to be able to validate the account. The representative stated the amount owed and did not have a valid address for me, I then stated I need you to validate this account with an original contract from XXXX XXXX XXXXThe representative hung up on me.

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 2021-03-11
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar Mortgage, XXXX # XXXX, I am a consumer have a few mortgage loans with this company., I believe that my accounts are normal and I pay each monthly payment o time. 
The problem is this company made a a lot machine call to me and just bothering my normal life.. It is not XXXX or XXXX calls, its about XXXX or XXXX calls every days, .the calls have no real content. Just machine say bla bla bla. I try to response the call, it let me waiting for an hour and still waiting. 

I am not sure if this violate any law. as a customer, I do prepare receive call about my account. But such machine call w/o real content is annoying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
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: Account information incorrect

Complaint:
XXXX intentionally re-inserted 3 accounts onto my credit profile without sending proper 5 day notice which law requires advising me of such accounts replaced back on. This has caused lots of stress and denials for a loan. The 3 accounts are XXXX XXXX XXXXXXXX ( no account number that is strange ) XXXX XXXX, and 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 2022-09-14
Company: HANCOCK WHITNEY BANK
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received printed checks and a debit card in the mail from a bank I did not open an account with on XX/XX/22. I called them on XX/XX/22, and they said they would close the account, and I should report this to the FTC and the three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 contacted XXXX, XXXX and TRANSUNION i have uploaded my FTC report with letter and ID they have ignored my dispute by saying i need all creditors to send me a letter who all declined to do so. I have sworn fraud and ALL NON HOLDING ACCOUNT INQUIRIES ARE FRAUD On ( date ) you placed an inquiry on my credit report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit.

Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for ( credit, insurance, employment or other services ) with your company.

This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law by performing a hard inquiry on my credit file without my permission.

To resolve this matter please remove the inquiry from my credit report within ten ( 10 ) business days of the date of this letter in addition to forwarding me documentation that the unauthorized inquiry has been removed.

If the illegal credit inquiry is not deleted I shall be forced to seek legal action which may include but is not limited to paying me the civil liability fine, punitive damages for the decrease in my credit score, plus court and attorney fees.

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: TX
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:
I have several inquiries on my reports that I did not authorize and do not recognize including : XXXX Report XXXX XXXX Inquiry date XX/XX/XXXX *Equifax XXXX XXXX XXXX date XX/XX/XXXX *Equifax XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  / Inquiry date XX/XX/XXXXXXXX XXXX XXXX / Inquiry date XX/XX/XXXX XXXXXXXX XXXX / Inquiry date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX Report XXXX XXXXXXXX XXXX / Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX / Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax Report XXXX XXXX / Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry data XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX *Equifax Mortgage Ser / Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am XXXX XXXX XXXX and I have been approved in Florida for the Homeowners Assistance Fund # XXXX and they are not sending a correct CURRENT arrears amount. My lender is PNC, Bank in XXXX, Ohio. Loan XXXX. 
The Florida HAF does not communicate with the claimants, will only release INFORMATION via a separate entity who do not have any authority to communicate the system 's failings to the people who actually can make decisions and CORRECTING ERRONEOUS PAYMENTS. 
My lender will not accept a cent less than the full arrearage amount AND THAT CHANGES REGULARLY. I am going to lose my home because no one is responsible for what happens to me or my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
have opted out of overdraft several times. overdraft still happens. still charged fees. 
extended overdraft resulted in access to account being limited and card being shut off without notice. this resulted in issues paying bills and accessing money deposited in account. fees paid.

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 monetary relief
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: MO
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation