BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-07
Company: Receivables Performance Management, LLC
State: PA
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 checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.

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 2019-10-08
Company: U.S. BANCORP
State: IA
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:
On XX/XX/19 I was involved as a victim with a gift card scam. I was told by scammers I was under a federal govt warrant for my arrest for social security identity fraud and the distribution of XXXX in XXXX XXXX, Tx. This set the stage for the fraud perpetrated against me. {$7000.00} worth of gift cards were bought by me at XXXX XXXX and XXXX because they told me at the time they were federal agents and my social security number would be canceled. These gift cards were then to be taken to the SSN office the next day so I could have money during their investigation. US Bank credit card was used by me to get these gift cards. US Bank denied offering credit since it was a fraud and I had authorized the charges. I disagree strongly with this assumption stating I felt ad if I had a XXXX to my head as I was being kidnapped for almost 5 hours and I went to store ATMs to get the cash they wanted. My attorney gave me this option to see if US Bank would reconsider and offer the credit. I am a retired businessman who has been with US Bank for over 14 years. A police statement was given and a call to US Bank were made the night of this tragic and very stressful night. Please help!! 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 explanation
Consumer complaint received 2019-08-01
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I XXXX XXXX just recently checked my XXXX   credit report and discovered a new collection that I have no knowledge of whatsoever.From a company named XXXX  with a parent company of XXXX XXXX XXXX. No account number is listed. Neither of which I have ever had an account with or done business with. So then why are they trying to collect an alleged debt from me? Also I was NEVER sent any communication at all from this company about this debt, my right to dispute it within 30 days.Nor any sort of validation on the account. And if so I am requesting to be shown these documents with dates and to what address they were sent because I believe that they weren't. Clear violations of FDCRA.I am submitting:  1.  a screenshot of the entry on my XXXX credit report.                            2. copy of cease and desist letter sent to them back on XX/XX/2019. They were going by the name Sequin Asset Solution then. Same account number and same alleged original debtor_XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2018-01-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Dear Experian, XXXX And XXXX, Experian, I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the FTC website, and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 

For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Please review all proof of identity. 

Currently I am reinstating my dispute. The following account is inaccurate : XXXX XXXX XXXX  XXXX XXXXI dont recall being late. 
XXXX DIST COURTBKXXXXThis is reporting inaccurate. 
XXXX XXXX XXXX XXXX XXXX DID YOU VERIFY THIS AND THEY ARE NOT LICENSED TO COLLECT DEBTS IN LOUISIANA NOR DO THEY HAVE PERMISSION TO HAVE MY MEDICAL INFORMATION!!!!! 
XXXX XXXX XXXX XXXX XXXXNOT LICENSED TO COLLECT DEBTS IN LOUISIANA NOR DO THEY HAVE PERMISSION TO HAVE MY MEDICAL INFORMATION!!! 
XXXX XXXX XXXX XXXX XXXXI dont recall being late. 
XXXX XXXX XXXX XXXXInaccurate. Did not respond to my debt validation letter. 


XXXX, The Following accounts are listed under Medical!!! I 've reached out to these companies to provide me with a medical release form or to remove these accounts. They failed to respond. I am demanding XXXX to remove the following accounts because it is a violation of my hippa rights and the creditor failed to respond # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Please get back 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 non-monetary relief
Consumer complaint received 2019-08-01
Company: Manhattan Beach Venture, LLC
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On XX/XX/2016 an individual contacted me via telephone stating he worked for student loan relief/Obama forgiveness program. The representative stated he worked with XXXX and that I was eligible for loan forgiveness. The individual knew the amount of federal loans I had at the time. He proceeded to tell me to electronically sign forms on my email, which included a contract from Manhattan Beach Venture LLC stating that they will start taking {$39.00} dollars amount out of my account per month for 48 months until the amount of {$1300.00} is paid off plus 17.99 % interest rate. He then stated my loans would be forgiven from there. He then requested a signature for equitable acceptance whom would be collecting the money monthly. Soon did I find out that this was a complete scam. The company does not in fact assist in loan forgiveness nor do they work for XXXX. I am stuck paying the monthly payment because I do not want my credit score to be effected by this fraudulent company. I have made numerous complaints. I am trying to shut this company down to avoid others being affected by this scam and get my money back. I do not want someone else to be scammed by this company. I have attempted to contact this company directly and have been unsuccessful with numerous attempts.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-08
Company: EQUIFAX, INC.
State: CA
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
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 deal with a lot being a young single mother. There's a lot of stress. So when this account popped up on my report hurting my score, I didn't know what to do. I elected to pay it off because I didn't know my rights. Come to find out, that didn't help and the account is still on my report and it never belonged to me to begin with. I learned that I can dispute this information and have submitted a complaint with the ftc. On there site, they explain that section 605 of the FCRA mandates you to remove fraudulent accounts with 4 days. Please help me in this dreadful situation. 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 explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions Inc.
State: CA
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 BEEN A VICTIM OF IDENTITY THEFT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX an unknown vendor, XXXX XXXX, with invalid email address used one of my listed cr. cards on XXXX account to charge {$790.00} for an electronic vipe machine. I disputed this charge as soon as I saw this amount on my Chase United cr. card. Since then this case has been declared as 'valid charge ' by Chase XXXX Chase did not provide full investigation details such as vendor address, vendor phone #, nor a valid email. By my persistance, Chase had to open the case several times and they came back with same answer. On XX/XX/XXXX XXXX XXXX from Fraud DptXXXX, myself and XXXX representative XXXX XXXX XXXX  had a conf call and XXXX agreed this charge didn't come from same IP address as my last 2 transactions with them. Chase requested a letter from XXXX confirming this was not authorized by me. On XX/XX/XXXX I finally received this letter from XXXX agreeing and confirming this was not authorized by me. XX/XX/XXXX, I just had a call from Chase - bad connection but this representative said the charge was valid. I couldn't have a clear connection and I had to reply I do not agree with this call and hung up. 
Chase requested documentation which they now have and yet they once again claim this is valid charge. If I could please have someone to help with this matter I would really appreciate. My credit is in good standard and because of this fraud charge I am afraid to have it damaged after so many years of good payments. I am not accepting such debt and feel I need a lawyer to defend me. I have paid off my Chase accounts several times and they are not defending nor helping resolve this matter. Thank you. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
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  sent a debt verification letter to Portfolio Recovery. They sent me some old computer generated statements which did n't cover everything I requested. Afterwards I disputed this debt with the  XXXX  credit bureaus and I noticed that Portfolio Recovery deliberately tried to  re age  the debt by reporting that I made a {$44.00} payment in the same month of  XXXX . In  XXXX     2017  my credit report shows a balance of {$2100.00} then  XXXX  shows {$2000.00}. I have never paid this company anything and refused to because they failed to validate this debt. The partial account number for this account is  XXXX  and it shows for    XXXX   XXXX   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions 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:
Since XXXX of 2020, I have been disputing 2 XXXX XXXX accounts that appear on my credit report. I have disputed these items with the creditor directly, as well as with the 3 major credit bureaus : XXXX, Experian, and XXXX. I have requested that they investigate the accuracy of the information, because it is not reporting correctly. There is currently no balance due on these accounts, because they were paid in full. However, I continue to see several inaccuracies on my credit report and the information that is reporting. Each credit bureau is reporting conflicting information. 

To date, all that I continue to receive are requests for me to supply XXXX XXXX with more information in order for them to investigate the account. I am unclear as to why I need to help XXXX XXXX investigate an account, when they are the ones furnishing the inaccurate information to the credit bureaus. 

However, ALL of this is currently incorrect : -High balance is reporting inconsistently across the XXXX bureaus -Last verified date is inconsistent -Date of last activity is inconsistent -Date reported is inconsistent -Date opened is inconsistent -Closed date is inconsistent -Account rating is inconsistent -Last payment is inconsistent -Credit limit not reporting on XXXX -Dispute remark missing

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 2022-02-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax has not resolved my complaint they reopened XXXX accounts that were closed. XXXX account has been closed since XXXX. My complaint should still be open. I am being discriminated against and I will all be pursuing for legal damages for all violations of the FCRA against my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Professional Recovery Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My name is XXXX XXXX. 
I have noticed that a medical account this month from XXXX from Professional Recover. 
This yr in XXXX was the only time I been to hospital to be seen since I had my daughter in XXXX. I have had my identity stolen before. which I have records of that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. 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. 

In accordance with the Fair Credit Reporting act XXXXXXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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 response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/2019 Ive managed to purchase a XXXX player at XXXX & XXXX XXXX XXXX for the amount of {$480.00}. I didnt have a chance to examine the unit prior to checking out, and discovered the technical issue with the player only at home it wasnt reading files from microSD card properly. Ive vocalized this issue to XXXX & XXXX XXXX XXXX customer support over the phone and been informed that Ive could return the item back to XXXX & XXXX XXXX XXXX, following their return & refund policy. The item has been successfully returned back to XXXX & XXXX XXXX XXXX on XX/XX/2019 via XXXX Tracking XXXX. Couple days after the package has been received, I gave another call to XXXX & XXXX and been told if the package has been received, I should expect the refund issued in 3-5 business days. However, I havent found a refund been posted to my account. Please, consider supporting documents attached. I have retained a copy of this letter for my personal files

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-16
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:
On XX/XX/2020 I called Transunion due to inquiries that appeared on my credit report that I didn't authorize. I was instructed to contact the creditors directly and I was told that it was not Transunion 's responsibility to investigate or resolve my issue. On XX/XX/2020 I mailed a certified letter to Transunion requesting that someone investigate the inquiries on my credit report. I still have not received a response and it's almost 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 2017-12-31
Company: EQUIFAX, 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:
I have been attempting to work with XXXX XXXX regarding an account reporting on my credit reports as a result of Identity Theft. I have submitted numerous disputes and inquiries with the creditor, as well as the corresponding credit bureaus regarding this matter and have been unable to resolve it. This was first reported to XXXX XXXX over 6 months ago. They always claim their is " insufficient evidence to support my request. '' I have attached their most recent correspondence as well as my notarized paperwork I have both faxed and mailed them in response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Waypoint Resource Group, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company, Waypoint Resource Group, responded to my request to verify the debt with just copies of bills. There was no signed document from the creditor, XXXX, that I had I agreed to the debt. There was no signed agreement, no copy of the terms of the agreement with XXXX.

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