BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RECOV ASSOC. amount : {$420.00} on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond my last letter is sent was along the line of ..... 
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

THEY NEVER RESPONDED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Checkr, Inc
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Please update my documents My current license is from Tennessee And whatever case That seems pending Case was resolved and closed with a withhold adjudication no point no conviction. Please find attached the court case summary of the citation. The record you pulled its not an official Driving record, so it does not give the full detail of the case on your record. 

Here is my case worker and lawyer info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Fax ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: EQUIFAX, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I tried submitting an investigation to Equifax Credit reporting agency about collections that are on my account that has been paid and that are not mines. Equifax online and over the phone dispute process will not accept the inquiries and kicks you out the system. I called and tried speaking to a live agent with no success. The hold times are continuous and no one ever picks up. This happens every time I attempt to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called on Caine & Weiner on XX/XX/2020 to pay a debt of {$120.00} and receive a letter of removal from my credit report. I spoke to XXXX and I was told I can not get letter unless I pay the Misc. Charges ( {$240.00} ) and the interest fee ( {$45.00} ) I expressed to them this is not whats on my Credit report. I should only be responsible for what is on my credit report. I was told that it was illegal for them to add those charges on to my credit. Which questions why is it okay to charge me and say I can only get my letter if I pay off the extra charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 just received my credit report and noticed unauthorized use of my personal information to try to obtain access to my life

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it.

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 accordings What the fair credit reporting act The list below of accounts has violated federally protection consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX 15 USC 1681 section 602 A states I have the roughy to privacy.15 U.S.C 1681 section 604 section 2 : It also states a customer reporting Agency can not be furnished a Account without my written instruction 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer containing any of the following item of information any other adverse items of information other than record by conviction of crimes which antecedents the reporting by more than seven years.

15 USC 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 in 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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have made many attempts to removed an inaccurate account on my credit report. I pulled all three reports together, and they are listing different amounts and MORE. 

Transunion is listing XXXX XXXX XXXX As an OPEN ACCOUNT, This is false. 

XXXX is Listing this account as a different Account XXXX XXXX  unfder a different Debt Recovery name, and also listing this as a collection, with a different amount balance, and date last active are completely different than the other reporting agencies and information, this is all completely inaccurate. 

The Balance is incorrect and inconsistent with the other reports it is on, while being listed as closed on those bureaus reports. 

The Date Last active, and Date Last reported are also VASTLY different from on another. 

This is an updated report taken today. 

There are more than three incorrect and inaccuracies on my report. 

You need to remove this account immediately as I have a legal right to a current and up to date and ACCURATE report. 

Thank you.

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 2019-04-19
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midwest recovery Systems is claiming I owe XXXX XXXX XXXX {$580.00} and I live in XXXX XXXX. They said it would go away if I paid it in full and did not give me information about how I can dispute it they also said it was from XXXX which is over 7 years ago. This needs to be removed immediately as they placed this on my credit on XX/XX/XXXX and I have always had full-coverage insurance so there is no way I would have a medical debt such as this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I previously sent two update letters to all three credit bureaus to update my personal information, which is XXXX XXXX, and Equifax. I've sent them two different letters on different occasions asking them to remove old, outdated information in terms of addresses, phone numbers, and employment, and some of the information that is on my credit report are addresses that I never lived at, so now I'm filing a complaint against all three of the credit bureaus because they have failed to remove old, outdated information and these credit bureaus are also in violation of the privacy laws because they only supposed to keep my payment history along with one address, employer and phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions 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:
On XX/XX/2018 an XXXX loan was opened under my name with XXXX XXXX XXXX without my knowledge. Identity theft. Balance Amout is {$9400.00}. Account # XXXX. I have submitted FTC report and Police report to Creditor and Experian already. I was informed to file CFP report. XXXX XXXX XXXX refused to give me the credit Application and copies of my identification that match my information. I submitted a fraud affidavit to XXXX XXXX XXXX to report the fraud. Instead they took my information out the application and update their system to say that my number match etc. I never called or have a conversation with XXXX XXXX. I need XXXX XXXX XXXX to provide me a copy of the credit application and my identification whom presented at the time and date of question. XXXX XXXX needs to provide proof where I called them from my number. XXXX XXXX XXXX stole my information to update their system when I report and submitted fraud affidavit to them.

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 2023-03-02
Company: EQUIFAX, INC.
State: NV
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:
XXXX XXXX XXXX This companies used my information improperly, without my consent, I applied for business equipment credit lease and they used my personal report instead of my EIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the XXXX of XXXX i went into a Wells Fargo branch and reported my atm card lost/stolen i was then issued a new debit card. On Monday the XXXX of XXXX XXXX in unauthorized checks were deposited into my account. The card that was used was the same card reported lost on the XXXX of XXXX. Wells Fargo allowed them to withdraw funds from my account on a card that should have been closed. Now Im being given a hard time about getting my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Signed up for a business credit card. Nonetheless, the personal banker made someone who i wanted to hire as a manager as the primary in the account. I was never advised about how the credit card was set up. The primary is no longer associated to the business. I can't close the account, which is under my business, and the primary party keeps using the card. My company is liable for any purchases and I can't close the account or do anything. The bank refuses to answer questions about the CC.I have attached the article of incorporation showing that I'm the only person who own the company. 

I really believe that the personal banker was driven by his own greed to reach sales goals when he opened this CC. The personal banker didn't take the time to explain how he was setting up the account or anything else. 

I have been mistreated by Bank of America and no body can help me resolve this issue.

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2019-04-19
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is the third CFPB complaint I have had to file against this company, all for the same reason, I will not stop contacting me. 

My first complaint was filed after I sent them a debt validation letter in response to their collection letter dated XX/XX/XXXX. They did not respond to that complaint at all. They later claimed they didn't receive it but I sent the letter certified mail and have the signed postcard. 

The second complaint was filed because they continued to call me multiple times per day after they received my DV letter and after I filed the original CFPB complaint. 

In response to these two complaints, they told the CFPB that they would send me validation documents. These were never sent. 

I contacted XXXX XXXX by email ( XXXX ) on XX/XX/XXXX regarding their dishonesty in their response to the CFPB complaints and again requested that the debt be validated. She replied that same day saying they would check with the creditor and verify the balance amount. I responded saying that that was not what I asked for and that I expect them to verify the debt as they are required to do so and as they told the CFPB they would. I also pasted the text of the DV letter I sent them on XX/XX/XXXX. I received no further response and never received any documents from them. I followed up on XX/XX/XXXX by email and did not receive a response then either. 

Today I received another collection letter in the mail from them regarding the same supposed debt. This violates the FDCPA because they have continued contacting me without first supplying me with verification of the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX Care Credit is stating on my credit report that I owe them {$500.00} on behalf of Care Credit account. I had a old Care Credit account back in 2010 that was paid in full for 2 years. Payments were made on time and monthly. No balance was left and now XXXX is reporting to the credit agencies that I owe them {$500.00} which is not true. I have contact them to ask for proof three times last year and yet they have followed up or responded to any of my request to validate the debt. However, they are still report this as negative on my credit report and it causing many problems for me and affecting me being able to establish credit for an auto loan.

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 2022-08-04
Company: EQUIFAX, INC.
State: PA
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:
Bought a car in XXXX they made about 13 hard inquiries but there was only suppose to be one inquiry then i applied for a soft pull prequalify and they more hard pulls again multiple times this year that i didnt authorize at all because im not in the market for a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
By the provisions of the Fair Credit Reporting Act, I demand that XXXX XXXX XXXX  be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX In acgesdance with the fair credit Resort 995 act XXXX  Account XXXX XXXX XXXX, has violated ny rights. Find related content Search 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragra the term " consumer report '' does not include + any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 789 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 Please remove this account immediately

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 2018-09-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase encouraged me to add authorized users on the cards we use. I added contractors who work at our house and business. I also added my wife. We accumulated a good number of points. Then, without warning, chase closed all three of my cards. The explanation said I had too many inquiries. There were two inquiries over the past six months. I always paid my bills on time and had recently been given a credit limit increase. Chase 's sudden actions meant I missed bills that were on autopay through their cards as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had outstanding charges from XXXX for an unreturned cable box. That account is now in collections and shows on my credit report although I returned the cable box. I am requesting that the items from XXXX be removed from my credit report as they are not valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Have had financial setback so called cc and asked for hardship plan. Two companies would not help me. Talked to XXXX and enrolled so they could help. PayPal credit was sent check for {$150.00} on XXXX-XXXX-18.  Had to mail cause this cc wont sign up for electronic payments that XXXX uses. The check was cashed on XXXX-XXXX-18. As of today at XXXX they have NOT credited my account. XXXX is a DMP that helps folks get their financial problems under control. XXXX has been in contact with PayPal credit and trying to get my account corrected. Please help me if you can. I think outrage that they can do this to consumers.

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