BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : Consumer Financial Protection Bureau Re : Midland Funding LLC DBA In New York As Midland Funding of Delaware LLC and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Dear Consumer Complaint Division ] : On about XX/XX/XXXX, I noticed a significant pay decrease in my wages from my current employment at XXXX XXXX XXXX XXXX XXXX. 
I quickly went to the management office and requested answers from XXXX XXXX XXXX she proceeded to tell me that she had received a pay garnishment. I explained I had never been served with a judgment a summons or a complaint were not served at all, and I had not been given a fair chance to respond and asked her how this was possible and why wasnt I notified by anyone at my employment prior to beginning this garnishment. She responded she didnt know. I desperately asked her for a copy of the notice, and she rudely refused to give me a copy and just gave me the phone number to the Sherriff dept., who has ordered them to proceed with the judgment. I quickly contacted this phone number and complained about not even being notified in any way and asked to please send this notice to my address, I then received it by regular mail dated XXXX XXXX XXXX 
This company I do not know anything about has stated that I owe them a debt from XX/XX/XXXX, claiming the amount of {$3000.00}, and they have proceeded in garnishing 10 % of my gross bi-weekly wages. About {$230.00}. If correct. 
I believe this is an identity theft the name in this judgment that shows my name as XXXX XXXX XXXX XXXX XXXX which was my marriage last name, and I was divorced this same year, it also shows XXXX XXXX XXXX whom I have no relation with at all. 
I am a single parent struggling to make ends meet and my checking account has been charging me overdraft fees continuously. I am using other credit cards in trying to keep up. I am in desperate need of help and would like this identity theft stopped and my garnishments returned. 

I would appreciate any help in this desperate situation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX and Experian. All theses. Inquiries on my report where disputed their investigation all these inquiries where due to fraudulent activity ive they still wont these items off my report or give me any proof that its me. Being to lazy to truly investigate this problem XXXX XXXX XXXX Unlocked : Access granted XX/XX/23 XXXX XXXX  ... XX/XX/23 XXXX : Access granted XXXX XXXXXXXX XXXX XXXX XXXX XXXX Access granted XX/XX/23 XXXX XXXX XXXX XXXX XX/XX/23 XXXX : Access granted XXXX XXXX XXXX Unlocked : Access granted XX/XX/23 XXXX XXXX XXXX Inquiry XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12
Company: Experian Information Solutions Inc.
State: AZ
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 tried reaching out to this bureau several times about inquiries that do not belong to me! this info is fraudulent and i want it investigated and removed from 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 non-monetary relief
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
On XX/XX/XXXX of XXXX, I mailed a letter to XXXX, XXXX, and Transunion to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an updated credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).

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 2017-10-20
Company: Netspend Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I put hundreds of dollars on a XXXX card I bought thinking it would be no problem to set up and use. It was a huge problem. XXXX had locked the card and I was unable to access my money on the card! They essentially stole hundreds of dollars from me. Whatever you do, NEVER I repeat NEVER BUY a XXXX PREPAID CARD, if you wish to use your own money. XXXX allowed me to buy the card and load money onto it, then locked the account so that I could not use my own money, for all intents and purposes stealing my money.

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have multiple unauthorized inquires on my credit file. I have attached a copy of my etc report as well. 

XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX bank ) XXXX Bank XXXX bank ) XXXX Bank  XXXX XXXX XXXX bank ) XXXX XXXX  ( finance ) XXXX XXXX Bank ( bank ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( bank ) XXXX XXXX ( finance ) XXXX XXXX ( finance ) XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ( auto XXXX XXXX XXXX Of XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( finance ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Bank )

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 2023-04-12
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: Personal information incorrect

Complaint:
On XX/XX/XXXX of XXXX, I mailed a letter to XXXX, Experian, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an updated credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).

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 2017-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
A person sent me money around XXXX on XXXX/2017 through BANK OF AMERICA using an application. ( XXXX ). I tried to log in that app and asked me to input " Authorization code ''. That code came in my email later that day at XXXX XXXXXX/XX/XXXX which was expired after 10 minutes without any other notice. I try again and again without receiving any response or a new code. I called them at XXXX the same day to find out that the sender has to cancel the transaction and find an other way to send the money. Needles to say it was important to have that amount on time and it costed to me extra. The customer service prompted me to create an account for the application ( knowing I did n't have any internet access at the time ) instead to my opinion find an other way to solve my problem.

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 2023-04-12
Company: Firstsource Business Process Services, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX was letting recurring monthly charges of XXXX?? go to my credit card. When I received a statement in the mail, I discovered it. I tried to log into my online account but had been locked out several months prior due to suspicious activity. I called and reported fraud. They removed the charges and reimbursed me the XXXX per month I had been paying. I later received a letter that the charges were mine. I disputed it again, and again they said the charges were mine. When I talked to the IT department, trying to get back into my account, I asked him : If these charges were suspicious enough to lock me out of my online account, why were they allowed to continue letting the charges go through every month? He said they were " separate departments. '' While I was on my online account, a new phone number had been added ( during the time I was locked out ) and a new zip code had been added to my address, which was a po box XXXX XXXX  XXXX XXXX said that it would show in my credit report that I dispute this. I just received a letter from Firstsource Advantage , LLC. I called them and spoke to XXXX XXXX who transferred me to his manageXXXX, XXXX XXXX, I explained the situation to him, and his reply was there is nothing he can do about it. The total debt is XXXX, and it is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ
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:
XXXX indicated an 'alert ' message on one of my credit cards showing my Credit Score had gone down. In reviewing my credit report from XXXX on XX/XX/2018 I noted a report called FNB OMAHA # XXXX with a balance and delinquent charge of {$47.00}. 
I have no idea what this is about nor have I received any information from FNB OMAHA.

This account must belong to someone else or my own account has been hacked. Please help me to resolve this issue. Thanks so much. Let me know what I need to do.

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 2023-10-17
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to express my deep concern about your failure to comply with the direct dispute provisions of the Fair Credit Reporting Act ( FCRA ). This company is reporting incorrect information. I think the amount they report and collect is wrong. I asked them to investigate and rectify but nothing, the latest report says that I am on charge off the month I pay.

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 2023-07-12
Company: Resurgent Capital Services L.P.
State: GA
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 am writing to file a formal complaint regarding LVNV FUNDING LLC 's placement of a collection on my XXXX and XXXX credit reports without any prior contact. It was not until XX/XX/2023, that I became aware of this collection, as I had no prior knowledge or communication from LVNV FUNDING LLC. 

Upon reviewing my XXXX and XXXX credit reports on XX/XX/2023 ], I discovered the presence of a collection account placed by LVNV FUNDING LLC. This collection account came as a complete surprise to me, as I have not received any correspondence, notification, or communication from LVNV FUNDING LLC regarding this alleged debt. I have no knowledge of any business or financial transactions with LVNV FUNDING LLC. 

Placing a collection on my credit reports without any prior contact not only violates standard debt collection practices but also potentially harms my creditworthiness and financial well-being. It is crucial to address this issue promptly to ensure the accuracy and integrity of my credit reports. 

I kindly request the Consumer Financial Protection Bureau 's intervention and assistance in this matter. I urge you to investigate the actions of LVNV FUNDING LLC, ensuring compliance with the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. Specifically, I request that you : Verify the legitimacy and accuracy of the collection account placed by LVNV FUNDING LLC on my XXXX and XXXX credit reports. 
Determine whether LVNV FUNDING LLC has complied with the necessary requirements for debt collection, including providing proper notification and validation of the alleged debt. 
Take appropriate action to rectify any potential violations or inaccuracies related to this collection account. 
Ensure that LVNV FUNDING LLC ceases any further reporting or collection activities related to this alleged debt until the matter is fully investigated and resolved. 
I have enclosed copies of my XXXX and XXXX XXXX reports reflecting the reported collection account from LVNV FUNDING LLC. Additionally, any supporting documentation regarding my attempts to contact LVNV FUNDING LLC or request validation of the alleged debt is also included for your reference. 

I kindly request that you keep me informed of the progress of this complaint and provide updates on any actions taken or resolutions reached. 

I appreciate your immediate attention to this matter. Your efforts in protecting consumer rights and ensuring fair and ethical debt collection practices are greatly valued. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Victim requested Compensation for Payments from Damages incurred by Identity Theft. Trafficker has failed to Comply with Victims Request for Equitable Relief as Required by Applicable Law. 
Victim contends that XXXX  Actions are an attempt to subrogate the rights of Victim.XXXX Bank and XXXX Complaint Pigeon Drop Complaint and Breach of Contract Does credit utilization get reported? No. Your XXXX XXXX is a secured XXXX credit card, so we dont report a credit limit which means that theres no credit utilization attached to your account. Each time you deposit money into your XXXX account, you are setting your own limit on how much you can spend that is independent of a credit limit. We've built the XXXX XXXX this way to help you build a positive credit history. 

AVAILABLE BALANCE {$3600.00} CREDIT LIMIT {$3600.00} XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Victim asserts that upon given an opportunity to cure, XXXX have failed to comply with Victims Assertions. 
Victim contends that Account is in Good Standing and XXXX blocked a Remittance on XX/XX/2023. 
Victim contends the XXXX did not fully Disclose and made material false representations in order to Manipulate Securities in the Name of Victim.

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 2022-09-05
Company: EQUIFAX, INC.
State: MD
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 am writing to request several credit inquiries that were unauthorized be removed from my credit report., I received a copy of my credit report and became aware of nine inquiries that I did not authorize. They are as follows : XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 submitted a copy of my XX/XX/XXXX file to Transunion showing that there is NO BANKRUPTCY AND XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX IS NOT MY ADDRESS ON MY FILES WITH XXXX XXXX. The resolution side shows the deletion to the erroneous address and once again there is NO BANKRUPTCY SHOWING ON MY XXXX XXXX FILE. Transunion keep saying they verified the information with XXXX XXXX which is false due to there is a freeze and NO ONE can access my files but me. This is why I ordered a copy of my file from XXXX XXXX to send the copies to Transunion that there so called verification is false information. Please do not send me another premade letter stating it was verified! The items/accounts that need to be removed is : Chapter XX/XX/XXXXBankruptcy, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX need to be removed that is not my address, XXXX XXXX schools is not my employer, XXXX XXXX. I have uploaded my copy of the XXXX XXXX CREDIT REPORT! MAKE SURE THIS IS FORWARDED TO TRANSUNION. I DO HAVE LEGAL REPRESENTATION ON STANDBY. THIS IS MY FINAL ATTEMPT TO RECTIFY THIS PROBLEM! My employer is XXXX and has been since 2000.

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 2023-09-02
Company: CBC Companies, Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Innovis is consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " In general Subject to any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Innovis do not have my consent to furnish my information and they surely do not have my written consent. Any and all consent to Innovis whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Innovis never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Innovis is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. I exercised this right on XX/XX/XXXX and Innovis has still continued to compile a list of my information without my written consent with the latest update being reported on XX/XX/XXXX. Innovis has shown clear evidence of willful none compliance pursuant to 15 U.S Code 1681n

Company response to consumer: Closed with explanation