BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-14
Company: Experian Information Solutions Inc.
State: ME
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 reached out to both   XXXX   and   XXXX   to make them aware of unauthorized inquiries on my credit report. They were unwilling to assist me in getting these erroneous inquiries removed, so I am reaching out to you to help. There are also accounts that are not mine that are showing that need to be removed. The inquiries are :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    <P/> The following are inquiries from  XXXX  that are not authorized by me :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 explanation
Consumer complaint received 2022-10-04
Company: The Receivable Management Services LLC
State: NJ
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:
Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by RECEIVABLE MANAGEMENT. While checking my credit report, it came to my notice that RECEIVABLE MANAGEMENT has furnished an account XXXX on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by RECEIVABLE MANAGEMENT will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or RECEIVABLE MANAGEMENT, except a communication, confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation

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 2018-01-02
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have three gift cards were hacked on the 2nd day I bought them, two were recovered, this is the third one. I havent heard from them for a long time for this one, please help me get my money back, thank you. 
Date of purchase : XXXX/XXXX/XXXX Card # XXXX Fraud charges : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Pending {$190.00} XXXX XXXX XXXX # XXXX XXXX Pending {$0.00}

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 monetary relief
Consumer complaint received 2022-02-09
Company: Global Asset Agency, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX Global Asset Agency added a XXXX item to XXXX credit report. Global asset agency but did not provide me with any prior notice regarding the debt. which would have allowed me to dispute the debt/ ask for validation. In XXXX XXXX I received notification that Global asset recovery added an item to my XXXX report without providing me with a written notice regarding the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Experian Information Solutions Inc.
State: LA
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 am so sick of these credit bureaus ... I am frustrated they constantly violate the credit laws XXXX consumers reports yet nothing happens.. Experian is the worst of them all I 've sent in several letters including. Fraud affidavit proving I had been a victim of identity theft ..they did n't investigate.. XXXX and Experian both allowed fraudulent accounts to continue on my credit profile, Experian allowed XXXX XXXX XXXX XXXX XXXX to report the same account twice using different account numbers for the same repo .. Both have different open dates on accounts, last active dates and tons of inaccurate illegal information to report according to the federal credit law all bureaus must report 100 % accurate information if the information is accurate should n't it all be reporting the same in everything? They let fraud account stay on without investigation all they do is replied verified if you both verified the same account information how come the information your both reporting is the same ..I really XXXX off and will be obtaining an attorney I have kept records of my letters to these two bureaus.Something needs to be done about these two bureaus constantly breaking the laws and not being held accountable for their actions while causing harm to consumers credit worthiness .. I 've included a list of not accurate information, fraud accounts, illegal reporting and it will show you exactly what I 'm saying I 'm tired of theses companies someone needs to put some actions on them they XXXX .They are supposed to deleted outdated information.they want even remove the fraudulent outdated addresses on my credit profile, the only address should be reported is XXXX XXXX XXXX XXXX XXXX XXXX la XXXX I 've been here 8 years all other addresses are outdated and I asked them to remove them .. some never belonged to 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 2021-03-24
Company: LoanCare, LLC
State: AL
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:
I paid off my mortgage on XXXX XXXX. LoanCare reported on my credit report as 120 days late at the same time as reporting my mortgage was paid off. I was in Forbearance due to COVID but have never been late. I have contacted my mortgage servicing company at beginning of XX/XX/2021 to have them take this off my credit. To this day I still have no resolution.I have also disputed it with all 3 credit bureaus still no resolution. My credit score has plummeted due to this false negative report on my credit.

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 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Disputed Inquires Date XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/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 2018-09-20
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I contacted Experian by certified mail on XX/XX/XXXX, and XX/XX/XXXX to correct personal information errors on my credit report. I also included a copy of my state id, social security card, and utility bill all containing my correct address, and name XXXX XXXX XXXX XXXX on each document. I have attached a copy of the letter along with a copy of my state identification to prove my correct address and name with this complaint. Upon viewing my report I noticed incorrect addresses on my report XXXX XXXX XXXX XXXX, TX XXXX and also XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have made 2 written requests to have the inaccurate addresses removed. Experian has not removed them or provided a reason why they were not removed. The only reply I received stated that Experian stores information provided by credit grantors or public information sources. The response is very vague and provide no valid reason why they have not updated my file with the correct information I provided. Also there are incorrect names listed on the report also. I have never gone by or been known as XXXX XXXX or XXXX XXXX XXXX XXXX Or any variation of my legal name. I suspect Experian is using these incorrect names and addresses to justify reporting incorrect debt on my credit report. They are stating XXXX XXXX and XXXX XXXX have been " verified '' But I have received documentation from XXXX XXXX and the personal information does not match my correct identification. However the address and the names do match the incorrect address and name being reported by Experian. I have attach a copy of the personal information page from the report I received highlighting Experian 's response as well as the incorrect personal info. I go by XXXX XXXX XXXX XXXX and my correct address is XXXX XXXX XXXX # XXXX XXXX, TX XXXX I have provided proof of that to Experian as well as attached it to this complaint.

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 2022-02-09
Company: DMB Financial, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
dmb financial will not give me an answer on how many payments i have left i have been paying them XXXX dollars every two weeks XXXX dollars a month for 44 months around XXXX dollars they paid off about XXXXthey have still not paid off one of the crediters you folks really need to shut this scam down i am at my wits end here thanks for whatever you can do.XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
my loan is with loan depot- loan number XXXX, i am coming out of XXXX XXXX and my request for Disaster Modification was denied. I was informed my loan is in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2022-02-09
Company: Avadyne Health Holdings, Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a bill for XXXX XXXX for my EX-spouse, it transpired after we were legal separated and divorced. I am in no way responsible for this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Block, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am writings to recover {$1000.00} missing deposit from my CASH APP account ( $ XXXX ). On XXXX XX/XX/XXXX, I cashed out $ XXXX that was supposed to post on XX/XX/2022 into my XXXX XXXX Account. My XXXX XXXX Acct ends in ( XXXX ) and the institution routing number is XXXX. I contacted CASH App support when the deposit did not post on XXXX XX/XX/XXXX. CASH APP support told me to wait 3-5 business days, which I did and still no deposit. CASH support asked me to have my bank ( XXXX XXXX XXXX XXXX ) do an investigation in the transaction using the trace number ( XXXX ). Attached is an official letter from XXXX XXXX XXXX XXXX advising CASH App Support that their investigation shows they never received a transaction and that my account does not end in XXXX. 

If the bank did not receive the funds, then the error is on CASH App. I have tried resolving this issue with on the Cash App support page and via email with no success. Cash App online support deliberately has you going in circles so they don't have to resolve your issue. Cash App support app will ask you what the problem is, then automatically tells you they have to upgrade the issue to a special support team who will contact you by email. When the email comes from Cash App support, it is one way communication, and doesn't allow you to respond to the email. This process keeps you from speaking to a representative and has you running in circles so you can't get your issue resolved. The bank confirms they never received my money transfer from Cash App and I can't get Cash App support to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX - complaint # The feedback I received on my initial complaint was that the collection agency submitted documantation to me by mail and thats not correct. I havent received anything to date. I want this matter resolved or Ill have to take other legal measures. The amount thats trying to be collected is the wrong amount and I have no intension on paying it at anytime. XXXX stayed before my current address is included in this complaint and I havent received anything. This is a stall tactic and the clock is ticking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
some violations were made according to the FCRA due to wrongdoing of safety procedures. 


XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$630.00} XXXX XXXX XXXX XXXX, SCXXXX  ( XXXX ) XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Balance - XXXX XXXX XXXX # XXXX XXXX, MIXXXX ( XXXX ) XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account number XXXX Date opened XXXX XXXX, XXXX Balance {$890.00} 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 explanation
Consumer complaint received 2022-02-09
Company: ENOVA INTERNATIONAL, INC.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX  XXXX XXXX  XXXX company notified me regarding a loan that is in default that I did not apply for or sign for. On the paperwork, the social security number is wrong and not mine. The address used in the paperwork is my address from a different state back in XXXX. I didnt authorize this transaction nor did I know about it until I received a letter from the above ago.. I have documents showing that I did not live there and I contacted the XXXX XXXX sheriffs department and filed a fraud report, which in turn they notified the above Company. They also notified XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, Ohio, XXXX of identity fraud. On XX/XX/2022 I received another letter from the above company who recommended I file this report. I have called the XXXX XXXX  sheriff to get a copy of the complaint. They will try and get one, but we where hit by an F4 Tornado which destroyed our Court House. XXXX at the Sheriff offices said they will try to get a copy of the report. XXXX XXXX call the above Company regarding the fraud. Also there are no signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have a late payment XXXX and XX/XX/2017 .XXXX XXXX XXXX account # XXXX.The information is incorrect .Please delete the late payment information.

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 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
There are fraudulent and innacurate accounts reporting 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 2022-08-11
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
have been using PayPal to receive payments for my online business and also paid some of my staff using same platform.

all was fine until i get notified that my account has been permanently limited.

I immediately contacted the executive office and was told that one of the accounts I used to make payments to and they linked to me had a limitation hence why i was also banned I feel this was not fair on my part as I can not have control over how other people use their PayPal accounts I just really want my account back. 
I have a XXXX family friend who is now a client who is buying bulk clothing from me, shes been placing a lot of orders. Ive been withdrawing her payments, but they dont let me so I think I triggered the PayPal system by trying multiple times.

I cant log into my email as of now, Ill try in an hour.

Website is www.lavaracollection.com Its currently on pause until I bring my new stock, I made PayPal aware I am waiting to order new stock from XXXX. 
XXXXXXXX XXXX XXXX  which is how I mainly find new clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Revenue Enterprises, LLC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received collections letter from Revenue Enterprises regarding medical debt they allege i owe, no verification of debt provided, debt not substantiated, i do not have any knowledge of this debt

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