BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
As a consumer, I am well aware of my rights. Therefore, I will clearly outline your ( Portfolio Recovery Associates ) repeated violations of 15 USC 1692c Violations XX/XX/XXXX First complaint submitted to the CFPB w/ Cease and Desist. 
No resolution ; Continued communication XX/XX/XXXX Second complaint with Cease and Desist XX/XX/XXXX 4 letters received from Portfolio Associates LLC to my address XX/XX/XXXX 4 letters received from Portfolio Associates LLC to my address XXXX Third complaint submitted to the CFPB with 3rd Cease and Desist XX/XX/XXXX 4 letters received from Portfolio Recovery Associates A total of 16 correspondences received after Cease and Desist. See previous CFPB complaints for documentation.

Portfolio Recovery Associates never had permission to contact me, yet I continue to receive correspondence at the most inconvenient times, repeatedly. PRA has also confirmed receipt of 3 Cease and Desists by responding the correspondence, in which the Cease and Desist was included. I have spent countless hours responding to these non-factual and misleading responses from PRA. Additionally, this has caused substantial economic injury. 

For your reference : 805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX o'clock antemeridian and before XXXX o'clock postmeridian, local time at the consumer 's location ; ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
I've been a Capital One Customer for over 15 years. We had a charge for {$55.00} at a restaurant that we disputed. The restaurant had tried to run our credit card and it kept getting a message to call for an authorization code. Instead of going through the process for the authorization code ( which we didn't understand ) we paid cash for our meal. The charge then appeared on our credit card statement. I called to dispute the charge. They reversed the charge and said they would investigate. I called the restaurant and they said they remembered us being there and paying cash. They told me that they would not dispute the reversal of the charge. Capital One denied our dispute because we didn't have a receipt even though I told them when I called that I didn't keep a receipt. Who keeps receipts for restaurant meals?!?! I explained to Capital One that the restaurant would not dispute the charge reversal. They don't seem to care and are still charging me for the {$55.00} charge. I can afford the {$55.00}. It is really not about the amount. It is the principle of it. We paid cash. The restaurant agrees but Capital One doesn't seem to care. It's pretty disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT FILES IVE CONTACTED THEM AND THE CREDIT BUREAUS NOTIFYING THEM OF THE FRAUD. POLICE REPORT IS ATTACHED SHOWING THE FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate information and unknown things on my credit report to this day it has been over 30 days and I have not received a response yet. I feel like Im being taking advantage of and being ignored of my disputes section 611 ( A ), it is plainly stated that a failure to investigate these issues within 30 days gives a reason to immediately remove those items from my credit report. They should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-12-10
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: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit reporting act. the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 use 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumers 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 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 2019-08-22
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  Experian and XXXX are reporting incorrectly a charge-off in the amount of {$10000.00} on the XXXX XXXX XXXX account. ( Please see the attached notice from XXXX XXXX. ) There were extenuating circumstances and I was forced to return the vehicle I was purchasing. On XXXX I received the Notice of Our Plan to Sell Property letter from XXXX ( XXXX  letter attached ). The vehicle was scheduled to be sold at auction on XXXX. The letter from XXXX clearly states : If we get more money than you owe, you will get the extra money, unless we must pay it to someone else. The vehicle was sold at auction for {$11000.00}. ( Attached is a copy of the Motor Vehicle Record dated XXXX. ) XXXX made a difference of {$1000.00} from the sale of the vehicle and therefore there is not outstanding debt. Please see below - XXXX Sale of Vehicle = {$11000.00} Charge-off amount reporting = {$10000.00} Difference of = {$1000.00} The charge-off amount is LESS than the sale of the vehicle and therefore there is not outstanding debt. I am not requesting the difference of {$1000.00} however, I am requesting that these line items be removed from my credit report. This incorrect reporting of a charge-off is harming my credit. I have contacted the ( 3 ) bureaus to remove these items from my credit report however, I have not been successful.

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 2018-01-16
Company: Kashia Services
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am unable to pay back payday loan due to unfornate accident would like withdrawal from checking to stop in fact interest amount is ursury and illegal in my state and compensate see attached documentation for more details

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX I called Chrysler Capital to explain my circumstances with the attempt to get a bit of payment relief. I purchased this vehicle for my daughter, who no longer resides with me nor has possession of the vehicle. I was and have been XXXX  many times with XXXX as well as a XXXXXXXX XXXX. It was my understanding that they accepted to defer two months payments for two payments of {$250.00}. I recently realized after being XXXX from the hospital that they did not accept those arrangements and are now demanding {$1500.00} or repossess the vehicle. I can provide mountains of proof/evidence that i have been financially impacted by my medical condition, of which I am now recovering from. I can maintain the payments going forward starting in XXXX but ask for assistance with the past due payments. Also, if its not asking too much, i would like rate and term assistance to help lower the payment. 32 % is almost highway robbery, but i did sign the papers and own this. I am currently not able to refinance the loan given it is upside down by ~ $ XXXX. Again, all i am looking for is the help getting caught up/current and can maintain it going forward ( and maybe some help lowering the rate/extend term/lower payment ). It would be easy enough to voluntarily surrender the vehicle however my credit is worth more to me than the $ XXXX i am paying for the unneeded vehicle. 

Please, help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Support Collectors, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX : XX/XX/XXXX XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX UT XXXX Summit Account Ressoultion XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute Regarding Inaccurate Collection Accounts on My Credit Report Dear Sir/Madam, I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. 
As per my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I am disputing the following collection accounts : XXXX. XXXX Account XXXX, XXXX, Account XXXX : XXXX, Amount : {$180.00} XXXX. XXXX And XXXX, XXXX : {$120.00} XXXX. Summit Account Resolution, Amount : {$320.00} I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine.

I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ).

Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages. 
I have enclosed a copy of the credit report containing the disputed accounts. I look forward to your prompt action to resolve this matter. 
Thank you for your time and understanding. 

Yours faithfully, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: NV
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX  XXXX Balance : {$900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there is still some account on my report that is false and was resulted from identity theft. I am asking for your assistance in getting rid of the last few account on my report. Any account reported on an identity theft report must be blocked by the credit bureau in accordance with FCRA section 605b. 
XXXX XXXX XXXX XXXX : {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: FL
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:
this debt collector engaged n abusive, deceptive and unfair practices of the FDCPA which it prohibits they furnished this account that we didnt agree upon and i didnt sign any agreement on. a legal contract is signed by two parties and i did not participate in any of it. more so they didnt follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA im entitled to XXXX dollars per violation and clearly they violated my rights. 

Account Name : XXXX - XXXX Inquiry - that do not belong to me Ive never applied. 
XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: GA
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX Balance : {$130.00XXXX XXXX XXXX XXXXXXXX Balance : {$10.00} ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX ; XXXX XXXXXX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX   XXXX  Reported : XX/XX/XXXX + {$1200.00} Closed XXXX XXXX  Reported : XX/XX/XXXX + {$1200.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX + {$620.00} Closed

Company response to consumer: Closed with explanation