BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-15
Company: Experian Information Solutions 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:
The company i am speaking on today is Experian. I was told to call them to reach out about an issue that happen where Inquires were removed from my credit report, than a short time later they were back on and it hurt my credit report bad. Below is the ones that i have issues with. 

Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX, XXXX, TX XXXX | ( XXXX ) XXXX Inquiry : XXXX/XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX | ( XXXX ) XXXX   Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX  | ( XXXX ) XXXX Inquiry : XXXX/XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX, XXXX, FL XXXX | ( XXXX  ) XXXX Inquiry : XXXX/XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX, XXXX, FL XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX, XXXX, OR XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX  | ( XXXX  ) XXXX Inquiry : XXXX/XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX, XXXX XXXX, MN 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 2018-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I would like to increase my bank of america credit limit so that my credit card utilization is under 30 %

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 2021-04-03
Company: Paypal Holdings, Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
When I called the company to inquire why I don't have money on my card yet they started to explain to me that I'm a new customer and everything is put on hold for 21 days and that was it the phone hung up and I haven't been able to get a hold of them since they have me in this vicious cycle of calling and the whole thing goes through it's natural emotions as they're open and I'm calling during open hours all of a sudden at the end it says we're not open at this time. Also I'm facing eviction because I can't pay my rent I can't pay my electric or my heat I have no money for food it goes on and on

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I received a loan 4+ yrs ago from ACE Cash express for {$200.00} - {$400.00} and I have been getting threaten calls saying that they will put me in jail for owing them after I informed them I didn't work anymore and I assumed it was paid off because they wrote it off on there taxes also that they took it out of my account 3 yrs ago. That is now closed. They called my family member today and left threaten calls on there phone and continue to call blocked. It's also been taking off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: Lewis, McDonnell & Associates
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX, XXXX, I discovered XXXX XXXX XXXX XXXX were reporting an account on my XXXX credit file. I disputed the account with XXXX and sent XXXX a request for debt validation. On XX/XX/XXXX, XXXX XXXX responded with a letter and a statement. According to both the letter and the statement they provided, the balance owed on the account is {$2500.00}. To XXXX, however, they were reporting a significantly higher balance owed of {$3600.00}. In their correspondence they provided no explanation for this inaccurate reporting. Additionally, on XX/XX/XXXX, they updated the balance so it was even higher - now reporting it at {$3700.00}. 

Additionally, they are reporting the account as being opened in XX/XX/XXXX when they specifically note in their letter that the account is fromXX/XX/XXXX. They are attempting to extort more money from me by reporting falsely to the credit bureaj

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
TransUnion Fraud Victim Assistance Department, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked or deleted. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS, NOR DID I RECEIVE POSSESSION OF GOODS, SERVICES, OR MONEY. I AM NOT A THIRD PARTY OR CREDIT REPAIR SERVICE. THIS STATEMENT IS COMING DIRECTLY FROM ME THE CONSUMER. The identified transactions are not information related to any transaction by me the consumer. 

DELETE OR BLOCK THE FOLLOWING ACCOUNTS ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX ) You are required to do what I am requesting and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice.

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 2019-05-26
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is no sufficient information to support the credit bureaus claim.The payment here is sent in advance so I don't understand why this is is a past due..Please fix this for me..XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: DISCOVER BANK
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In the on going dispute of my consumer rights. Discover has purposely neglected abiding by federal law. 

New information : Discover sent a debt collection to my address that I did not give them permission to do. 
I have on a recorded phone call Discover stating that they do not and will not abide by federal laws. 

Audio recording will be handed over to their governing body and their state attorney general and all other applicable legal entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5.

Please evidence proof of the alleged debt, including the alleged  contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate  reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: CITIBANK, N.A.
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:
Dear Sir/Madam : I am a university professor who spends each summer abroad doing research in XXXX for his next book. During the summer, I always sublet my apartment, and have my tenant forward all my email on the first of each month. My tenant last year complied with my request and sent me my mail on the XXXX XX/XX/XXXX, the XXXX XX/XX/XXXX and the XXXX of XX/XX/XXXX. 

Although I got each and every piece of mail, I never received Macy 's monthly bill ; payment for it was due on XXXX XX/XX/XXXX as I understand it. 

I returned to the US from XXXX on XXXX XX/XX/XXXX. On the XXXX XXXX I discovered that the Macy ' card had not been paid. That same day I paid the full amount ( XXXX ), thus bringing the balance to 0. 

I called Macy 's to explain the situation. They instructed me to get a letter from the Post Office. I went to the Posti Office and they told me they can not prove or disprove that Macy sent me the bill any time during the summer. I explained all this to Macy 's Credit Office, but they have been most uncooperative and refuse to reconsider my case.

For the past several years, my credit score has been well  above 800 ; due to a clerical error on the part of the Post Office, my credit rating has now dropped to XXXX. This is having a very negative impact on my family finances. I am requesting that this be corrected 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 explanation
Consumer complaint received 2018-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/2018 I filed a dispute through XXXX XXXX on my Transunion credit report for a {$680.00} item from XXXX XXXX XXXX. On XX/XX/XXXX At XXXX XXXX I CALLED Trans Union and spoke to XXXX XXXX a supervisor who stated my call was routed to his location in XXXX. He asked me for my full social security number and my name and address. I felt uneasy giving this man my social security number due to all the scans that are happening with the overseas scammed. I have never been asked for my full social security number over the phone usually the last 4 digits will do. I explained to him that my investigation was due to be completed by XX/XX/XXXX and I received no notification. He stated that the investigation was completed on XX/XX/XXXX but I was never notified by email, US mail or a phone call. He said the creditor confirmed the debt and there was nothing he could do. This debt was paid and the contract between the dentist and myself was canceled. There is no avenues for a consumer to take to dispute eroneous information. The credit bureau takes the word of the creditor without any proof. I have 100 % on time payment history with my creditors. This one item is causing my score to be below XXXX. I will not pay for something that was resolved. This is a form of extortion.

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 2018-03-16
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: Account information incorrect

Complaint:
XXXX XXXX XXXX referred to hereafter as " XXXX '', owns an old XXXX XXXX credit card account debt from XXXX. On XX/XX/XXXX, I received several letters from XXXX that contained a few copies of some of the XXXX XXXX monthly statements ( none in any type of order ). I also received a letter from XXXX dated XX/XX/XXXX, that shows a " Last Payment Date or Default Date '' of XX/XX/XXXX. That is 3 different dates they've provided. On XX/XX/XXXX at XXXX PM Eastern Time, I called XXXX ( spoke to a rep named XXXX XXXX and her supervisor ) to inform them that they are reporting incorrect information because based on the XXXX  XXXX statements, the account was charged-off on XX/XX/XXXX and based on XXXX XXXX policies, accounts are charged-off 6 months after the date of first delinquency ( XXXX ) if there are no attempts to bring the account current. The supervisor ( did not get her name ) informed me that the XXXX according to XXXX XXXX was XX/XX/XXXX but XXXX purchased the debt XX/XX/XXXX and that's the new XXXX. I explained that they aren't allowed to change the date but she claimed to not understand what I was saying. She eventually told me I could just dispute the debt again but their Dispute Department was closed for the day. After getting off the phone with her, I called back ( XXXX PM ) to request that the information regarding the true DOFD be emailed to me, I spoke to a supervisor by the name of XXXX. He informed me that my issue was above his title and the only thing he could do was accept payment for the account, I declined. I then called XXXX XXXX ( XXXX @ XXXX XXXX ) to request copies of the credit card statements. I spoke to a rep named XXXX ID : XXXX and she informed me that they no longer have access to that information since the account was sold to XXXX. She was able to tell me that the account was charged off on XX/XX/XXXX, I then asked for confirmation that accounts are charged-off 6 months after non-payment, she confirmed. All I am asking is that the XXXX be updated to reflect the correct information of XX/XX/XXXX but I am unable to get any assistance. I have disputed this several times with XXXX, XXXX, and Transunion but I have not gotten any results. I even tried to call XXXX  again after getting off the phone with XXXX and the automated system stated that I should be able to speak with a rep if I hold for " greater than 2 hours. ''

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 2018-06-03
Company: WELLS FARGO & COMPANY
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:
This situation has been going on for since XX/XX/XXXX we are now in XX/XX/XXXX. I have told Wells Fargo time and time again that someone used my information to apply for a student loan with Wells Fargo and I found out about it this year XX/XX/XXXX after opening my account with XXXX XXXX. Apparently, because the person who used my identity in applying for a loan also fraudulently used someone elses information as a co-signer, they put a negative record on my XXXX XXXX XXXX Report. ( I will attach the letter ) The loan application number appears as an account number but when I contact Wells Fargo they tell me it is the student loan application which is XXXX. I have filed a report at identitytheft.gov and provided them with the the report and case number XXXX ( I will upload that as well ).  Wells Fargo is telling me that that is not enough and i need file a police report with my local police department. Mind you this application was done online so that would be of no help at all. I have disputed with early warnings twice and Wells Fargo seems to keep deeming the information accurate so now I am contacting you guys CFPB to Ask Wells Fargo to either provide proof that this was me that applied for the student loan fraudulently or remove the negative record from my early warnings report immediately as I am being held accountable illegally. I will be taking further action against Wells Fargo if I am refused a response.

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 2018-08-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have have repeatedly requested XXXX XXXX XXXX to provide documents to prove the amount they are reporting on my credit report. They have failed to do so within the 30 day period required by law. Portfolio is reporting a balance with out any records that show how they calculated the debt they claim is owed. XXXX XXXX XXXX does not have any accounting records that prove this debt. 

Portfolio purchased the debt from XXXX XXXX XXXX but has no accounting of what they have purchased. The have not provided proper debt validation and are in violation of the Fair Debt Collections Act. They are using Harrasement ( 806 ) and Unfair Collections Practices ( 808 ) Furnishing Deceptive forms to keep reporting this information to all 3 Credit Bureaus. Nothing they have provided has showed accounting of the balance they claim owe, There are clearly many violations Fair Debt Collections Violations XXXX  XXXX also has no accounting records that show how this amount was calculated and sold to Portfolio Recovery Services. 

I have filled a complaint with all three credit bureaus and Portfolio has reported this debt accurate- They need to provide proof of the amount they are ruining my credit report for

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Amsher Collection Services, Inc.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just pulled my credit files and learned that XXXX XXXX XXXX  is reporting fraudlent information on my files. This is not my debt and i have never received any notice or demand for payment from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have no knowledge of the following inquiry XXXX XXXX XXXXXX/XX/2018. Please  investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Capital one insist on placing me with a credit card debt that does not belong to me and I have never opened. I have made several attempts to clear my name however, they have been reluctant. Im a victim of fraud and identity theft. I have seen several credit inquiries and cards I did not apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Sequium Asset Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX / XXXX Please be advised that this account was fully paid off to SEQUIUM ASSEST SOLUTION REF # XXXX VIA XXXX XXXX CHECK XXXX ON XX/XX/2019 AND CASHED XX/XX/2019 XXXX has been sending me debt collection letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation