BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: GA
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 XXXX  that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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 - {$0.00} XXXX XXXX XXXXXXXX XXXX {$75.00} XXXX XXXXXXXX - {$140.00} 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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: Received a loan you didn't apply for

Complaint:
I do not recall the first time I was contacted by this company but I have attempted several times to receive information regarding the supposed debt. I received very little information just that its a payday loan that I " think '' was applied for in 2013? I may be completely wrong on that year. When they were going thru the " verification '' process they had several Identification facts correct, apparently someone did have an ID/ or an old drivers license of mine. However in the talk they asked if my email was ** it was not, they also asked what my relation was to several people, well I didn't know a single one of them. So I did digging of my own and looked the email up via XXXX, the wonders of the internet are incredible. But alas I came across another person with my name only this was her married name not her maiden name. I reached out several times to try and contact her and her ex husband and never got any replies. I am putting the complaint in today because while I don't believe this woman used my information for any other purposes as nothing has shown up on my credit report in the past XXXX  years except accounts I myself have started. I have a phone number for the collections company and an account number they have affixed to it but no other information from them. They have assured me if I ignore the expected delivery of paperwork tomorrow that I will be persocuted and funds will be allocated thru a default judgement. It honestly isn't even about the amount of this loan it's the pure fact I know it wasn't me, and they refuse to show me any proof they have of who took out the loan. If they allowed someone to use my expired ID to take out a loan I have the right to be XXXX you can't even buy a beer with an expired ID lol.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
FCRA Violation : address not mine 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  FCRA Violation : credit card not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : collections not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : hard enquiries not mine 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
Consumer complaint received 2022-05-29
Company: EQUIFAX, INC.
State: FL
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. 
In accordance to the fair credit reporting act XXXX XXXX  Account # XXXX, Has violated my rights. 
In accordance to the fair credit reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX. Has violated my rights In accordance to the fair credit reporting act XXXX XXXX XXXX Account # XXXX has violated my rights In accordance to the fair credit reporting act XXXX XXXX XXXX account # XXXX has violated my rights In accordance to the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights In accordance to the fair credit reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 

In accordance to the fair credit reporting act XXXX XXXX account # 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 Furnished my account without my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have told Portfolio Recovery when they first called my work months ago I can not take personal calls at work. They have started to call my work again, they are leaving messages with my co-workers that know I can not take calls at work. 
The last 24 hour call log- XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Experian Information Solutions Inc.
State: NJ
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:
-XX/XX/2019 XXXX XXXX XXXX reported {$1600.00} past due as of XX/XX/2019 to all 3 credit bureaus -Called XXXX XXXX on XX/XX/2019 to fix this problem because my account is up to date with payments. 
-XXXX told me that there bankruptcy department can only speak to me. 
-Called on XX/XX/XXXX several times XXXX and was not able to get anyone to help me. 
-Mortgage account is in a open bankruptcy

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The Department of Education/Student Loans has been cancelled. Therefore, the stated balance is incorrect and should be reported as {$0.00}. I also, have had problems accessing the TU credit report that is under my name and have been met with a continuous barrage of password changes and re-creations of an account that already exists.Therefore, I can not gain access to further dispute these facts.

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 2021-03-29
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I was laid off from my job. I remain current on my loan and applied for Forbearance in XX/XX/XXXX and was approved until XX/XX/XXXX. On XX/XX/XXXX, my home was flooded during the snowstorm in Texas, my home was not assessed by an adjuster until XX/XX/XXXX, and on XX/XX/XXXX, I contacted Loancare to start the claim check endorsement process. On this day, I learned that Loancare has my account listed as delinquent and must be monitored which requires several steps as opposed to me be current and no additional steps are required. Since then, I have called the claims, collections, and customer service departments to update my records on the insurance claims side of Loancare. 

It is my understanding that when you apply for a Forbearance, you are protected from these negative tactics. It should not take 10 business days for a company to update their internal records. this is my second complaint against this company, it seems as though their ultimate goal help you get into a delinquent status.

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I requested XXXX, XXXX, and Transunion to reinvestigate the accounts sited next : Acct # XXXX, Acct # XXXX. After multiple attempts through letters, phone calls, online disputes over a XXXX to XXXX  month period, they have consistently stated that everything was complete and accurate. How is that possible if the open dates, last activity dates, amounts, closed as collection account, amounts reported monthly, payment histories, etc are incorrect? Because this has impacted my ability to obtain credit, I am requesting compensation and the correction of my credit reports to accurately reflect my credit history. There are a total of XXXX inaccurate entries on my XXXX credit profile and XXXX on my Transunion profile. I am requesting compensation for a total of XXXX inaccurate entries.

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 2021-02-03
Company: Experian Information Solutions 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:
I requested for Experian to remove the bankruptcy from my credit report because the information they received is incorrect and was not received directly through the bankruptcy court. In the State of New Jersey, the bankruptcy court DOES NOT report to the credit bureaus at all, therefore making this record unverifiable. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2023-12-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
As the owner of XXXX XXXX XXXX I took out a loan with Investors bank. I was making monthly payments with no issues. Citizens bank bought out Investors bank. They sent me an invoice for the full amount of the loan rather than honoring my arrangement with Investors bank. I attempted to pay the monthly payment to Citizens bank but was ignored. 
I have personally contacted two supervisors at Citizens bank. One was XXXX XXXX who promised to " look into it ''. He did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I have never been late, yet they are erroneously reported as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: VA
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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2023-03-10
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Harvest Associates is reporting a collection account on my reports that I have been disputing for a while now. 

I sent them a letter requesting for verification of this debt. In return of my dispute they sent a letter stating that the original creditor is XXXX XXXX and that the balance they say I owe is {$2500.00}. 

They have not sent any sufficient documents or proof that this account belongs to me or that XXXX XXXX gave Harvest Associates permission to collect on this debt. I have never even received a letter from XXXX XXXX stating that this account was sold to a collection agency. 

Stating a balance is owed by a creditor but not providing any valid documents is not sufficient proof or validation of debt. I am requesting that this account is deleted from my reports and all documents stating that Harvest Associates has authority to collect on this debt and any valid proof stating that this account surely belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: JPMORGAN CHASE & CO.
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:
To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was sent an email by Bank of America on XX/XX/2019 that my card number had changed, and that I would need to update any vendors who charge recurring payments to my card. The email included the name of a specific vendor with whom I would need to update my payment information. 

I was not using my Bank of America credit card, and I had no wish to receive services from the vendor mentioned, so I did not inform the vendor of a card number change. 

Sometime, unawares to me, in XXXX or XXXX of 2019 the vendor mentioned in the email by Bank of America successfully charged my new credit card, even though I had not given them the new credit card number. 

I had not used my Bank of America credit card for any purchases in months, and did not notice the charge until months later. When I called Bank of America on XX/XX/2019, I offered to pay the amount that was charged anyway, but asked that they waive any late fees or interest. The representative I spoke with told me that he couldn't offer to waive any fees on that call, but that I should call back. 

When I called back on XX/XX/2019, the representative I spoke with told me all of the fees and interest had been waived. 

I thought the matter had been resolved, but then received another bill from Bank of America for a bunch of late fees. 

I've had multiple conversations with Bank of America representatives since then. Every call begins with a message, " Your call is being recorded. '' One of the reps promised to listen to the recording of the call that I was told the fees and interest had been waived, and that if I was told the fees were waived, that she would take care of it. She called me after listening to the call, admitted to me that I was told the fees and interest charges were waived, but that Bank of America still refused to honor what I was promised. 

Giving up on the Bank of America call center, as they appeared to have either no interest or authority to fix the Company 's error, I sent a letter registered mail to their offices in Texas and Delaware. I've yet to hear back from anyone at Bank of America, but continue to receive new bills with new late fees. 

I have called Bank of America to inquire if they've fixed their error, but the people I've talked to admit that they are powerless to fix anything. They acknowledge their error, but have no ability to fix it. 

It's silly that my only recourse require litigation. The amounts aren't large, and it's cost prohibitive to seek such remedies. Giant banks shouldn't be able to push people around this way.

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 2023-12-06
Company: EQUIFAX, INC.
State: GA
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:
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.

has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: MI
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, 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 explanation