BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Portfolio Recovery Added two derogatory mark on my credit report Per XX/XX/XXXX. Upon, further research, these accounts were transferred/sold and I am no longer responsible for the account. The Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accussed debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, PORTFOLIO RECOVER ASSOCIATES has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Regardless of the multiple written requests, the unverified public record listed below is still reporting on my Experian credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 

XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/2016 Reference # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: World Acceptance Corporation
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: Account information incorrect

Complaint:
XXXX  of 2018 I was denied a mortgage loan due to a company named XXXX XXXX stating that I owed them a debt. In full disclosure I have used there service in the past and have paid them in full with no issues. I was surprised to see them multiple times and reached out to the company in person and via mail for validation of this debt. None has been provided. All three credit bureaus state that XXXX XXXX, XXXX, world acceptance etc. Has provided them proof of this debt and even they have not provided me proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I recibe a XXXX diferent email Friday @ XXXX XXXX  Saturday @ XXXX XXXX  Sunday @ XXXXXXXX XXXX Someone open acaunt w out my consent in citizen bank

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX XXXX ( XXXX ) credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX XXXX ( XXXX ) on XX/XX/2018. I have not informed or recalled of any association with these company. I have contacted XXXX, and requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved 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 2022-11-02
Company: Experian Information Solutions Inc.
State: WA
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: Problem with personal statement of dispute

Complaint:
The following Credit bureaus failed to report to my credit report for the month of XX/XX/2022 on my XXXXXXXX XXXX XXXX XXXX account : Experian and XXXX. I contacted the XXXXXXXX XXXX XXXX XXXX and they stated that they sent all the information to all the credit bureaus for the monthly updates. The only one that was updated was XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, ****, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX 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.

15 U.S.C 1666B : States A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-10-26
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OH
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:
On XX/XX/2020 a collection reported on my credit report. 
A Letter sent was sent me, XXXX XXXX XXXX added a derogatory mark on my credit report. Per XX/XX/XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The Debtors creditor did not verify this collection. Also, there was NO written from of communication, contract, or signature for this accussed debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. Accordng to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I a consumer received a False and misleading, deceptive form pursuant to 15 USC 1692j ( a ) ; and a Billing error on a Bill statement from Capital One. On XX/XX/XXXX I sent capital one a 3 page Debt Validation Letter letting them know that the alleged amount of {$59.00} was disputed and requesting the name and address of the Original Creditor for the account and told them they had to stop all collection efforts pursuant to 15 USC 1692g ( b ) until the account is verified ; and I Sent a ( 3 ) Page Debt Collector Disclosure statement ; and a ( 1 ) Page Cease and desist Letter invoking my specified remedies pursuant to 15 USC 1692c ( c ) ( 1 ) ( 2 ) ( 3 ) invoked are what I put in the Fair resolution of this complaint which was for Capital One to 1 ) XXXX out the account, 2 ) Compensate me for FDCPA violations, 3 ) A permanent credit of {$50000.00} each and every month credited on to my card that I can spend with no daily limit, 3 ) No card account or services interruptions ; 4 ) and that Capital one only reports positively to the credit bureaus ; and I also sent a ( 3 ) Page affidavit of truth letting Capital one know that they were In violation of The following of the FDCPA 15 USC 1692 : 1692b ( 2 ) ; 1692b ( 5 ) ; 1692j ( a ) ; 1692e ( 11 ) ; and I sent Capital One an invoice for the violations along with Exhibit A ; I sent all of the attached documents to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have requests for the attached responses from Discover. I have made several complaints regarding stolen card, fraudulent purchases, and fraudulent payments. I did not steal my own cards nor make fraudulent payments.

Discovers response dated XX/XX/XXXX reflects I called on XX/XX/XXXX advising to allow XXXX XXXX to use, discuss, withdraw fraud claim, and requested balance to pay off. How did Discover know she was also using another name aka XXXX? This is totally false since I had just filed a sheriffs report one day prior on XX/XX/XXXX and I didnt have money to pay off the card! She called Discover, so may I have a copy of the interaction plus all details including the phone number?

Ask yourself ; I am a man who held the card. She is a woman and needed a man to make statements. Someone just decided to call you to tell you to drop the fraud case and alright to talk with XXXX XXXX?????????????? How does that benefit me especially finally a sheriffs report one day earlier? 
There was reason for XXXX XXXX to go to great lengths to steal and have someone impersonate me. I researched the purchases and XXXX XXXX was using card to pay probation fees to XXXX XXXX County. I noticed several payments to XXXX XXXX County Clerk and dialed the number on the statement ; XXXX. XXXX XX/XX/XXXX purchases and call the number. She is also now or was recently an inmate in XXXX County Jail XXXX for false pretenses and forgery. See attached. 
On XX/XX/XXXX, Discover reflects I took full responsibilities for the charges. I asked to continue payments on what I just owed. May I also have a copy of that interaction / details. At that point, I was very frustrated and wanted my credit rating back. I have been asking for payment options and settlement options and I will continue to discuss much to regain my credit. But I have never represented I was married or withdrawing fraud claim.

Then Discover exacerbated the problem by not removing payments and subsequent purchases, closing the account, and then charging off. I had asked for return of cards but Discover isnt able to comply. What can be done? What are the options because my credit should be
restored? Drastically discount the amounts due? But I am XXXX and I now dont have money readily available. I was faithfully making payments to reduce debt, never made fraudulent payments, and am most certainly not married or even common law. Nor am I in the least attracted to someone that XXXX XXXX ugly! 
Calling Discover is very difficult if not near impossible. It has been more productive and a better use of my time to correspond through CFPB. Instead of stressing consumers, would it be better for Discover to call the consumers when Discover is not so overwhelmed? My number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
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:
I have loans and credit cards listed on my credit report that I have no knowledge of. Someone has been using my credit before I even got the chance to. I never gave anyone access to any of my personal information. Below are accounts XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX XX/XX/XXXX {$19000.00}

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 2023-08-25
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
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:
In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ha

s violated my rights . 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 USC 1666B : A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any pur
pose.

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please reinvestigate from previous Dispute.

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 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
As I write this complaint I am so angry that I can hardly stand it. I have just spent one whole afternoon trying to get a temporary unfreeze on my credit. XXXX and XXXX were very easy. Experian is almost impossible. I tried multiple times to go through the process from my phone. At the end each time I was told it could not be completed. The same thing happened with multiple attempts on their website. It was impossible to speak with a human. I had to gather paper documents and then scan and email them. I can only hope someone actually does what I asked. After reviewing online forums for other complaints about Experian I am not encouraged - they are universally despised.I have had this problem with them before. This company controls our lives and acts as if it doesn't care whether it damages us or not. It is my understanding that you regulate them. I ask that someone take strong measures to force them to treat their CAPTIVE "customers" (actually, we are just merchandise that they sell) fairly and with respect. We  did not hire them, cannot fire them, and cannot escape from them. You are the only voice they answer to. PLEASE use your authority to bring them into line.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 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXXXXXX 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, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : 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 2023-02-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Account XXXX in the amount of {$310.00}, I am requesting this to be investigated immediately. I am entitled to validation of the debt and have not had a response in over 2 months and was not provided with any paperwork with anything bearing my name to this account.

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 2020-10-25
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
To whom may concern, I went to one of the XXXX locations at XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX for wire transfer money to my family overseas. I personally counted my cash 3 times before the arrival of the location. I was also the only one who touched the money before giving it to the owner of that business. I handed the exact {$20000.00} cash in a combination of {$100.00} and {$50.00} bills to the owner who runs this business. He first told me that he has a " Special way '' instead of going through the Moneygram system. I asked him what that means, he responded with he could make this transaction off the book so IRS won't know I have such a transaction. He then took my money and secretly counted it by doing it in a blind spot of all cameras and didn't let me look at it. He then put the cash into a cash counting machine and told me that I only gave him {$15000.00}. That's {$4400.00} MISSING. I confronted him and wanted him to see if there is any miscount, but he insisted that this was the exact amount and denied that he stole my money. I called the police then the police checked the camera and told me that they couldn't really tell anything because the camera didn't catch anything due to he was hand counting it in a blind spot before put it into the cash counting machine. I need help!! We can't let this happen!! I want my hard-earned money back!! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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