BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have 2 accounts listed on my credit from Portfolio Recovery Associates. I have disputed the account for XXXX XXXX twice. The last date that I submitted a dispute was on XX/XX/XXXX. And the second account is listed as XXXX XXXX was also disputed on XX/XX/XXXX. I sent a certified letter ( attached ) to them requesting the following : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
7. The batch number in which my account was purchased in. 

I received a response in the mail from them dated XX/XX/XXXX however, it didn't include the requested items above. I have attached the letter in which I received. According to the Fair Debt Collection Practices Act, a debt collection agency must stop collecting the debt until they provide validation of the debt. I received a call from the lawyers representing ( XXXX XXXX XXXX XXXX XXXX ) Portfolio Recovery Associates on XX/XX/XXXX, since they didn't provide validation requested this is a violation. I have attached a screenshot of the missed call. 

There is 3 different amounts that are being shown under the XXXX XXXX  account. On the letter ( attached ) that was sent to me in their correspondence shows that the account balance is {$1400.00}, on the other letter ( attached ) it states the alleged account balance at the time of sale was {$1400.00}, and on my credit report the account balance is shown as {$1400.00}. On the correspondence ( attached ) for regarding XXXX XXXX, the amount shows {$420.00}, however the amount listed on my credit is {$420.00}. 
These inconsistencies shows that this debt isn't valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Experian Information Solutions Inc.
State: KS
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:
On XX/XX/2019, I received a new inquiry from the following business on my credit report. I did not authorize a company to do a credit check and I have not applied for any new credit. I am fearful that this is an attempt for someone to steal my identity. The company information is listed below : XXXX XXXX XXXX XXXX XXXX Credit Cards XXXX XXXX XXXX XXXX, NJ XXXX I need this information 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 2023-03-18
Company: Experian Information Solutions Inc.
State: OH
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 have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT NO # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NO # XXXX / 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAYMAKE ANY CONSUMER REPORT CONTAINING AN OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORD OF CONVICTION 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 AND 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 2022-07-13
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any information that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-08-29
Company: Possible Financial Inc
State: TX
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:
15 usc 1681a2 stating you Dislike didn't give written permission to have those accounts furnished on your report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: LEXISNEXIS
State: LA
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:
Ive attached the exact letter I sent to Lexus nexus, describing the issue. Enclosed is also my license and current utility bill to verify my identity. Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
For the last year my wife and I have made consistent payments on my student loan via direct payment from our bank account. Every month Navient has returned the payments back to our account without any explanation. When I have called, the agents state there is no record of the payments being made and that I am delinquent on the account. I am currently being reported as 90+ days past due. I have called and written the company providing the requested bank account information proving the payments and returns. I have provided and have never received a response to my complaint or concerns. I am turning to you for your assistance and providing the same information I have provided via the Navient website and USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: General Motors Financial Company, Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I leased a car from XXXX XXXX in XXXX and was financed through GM Financial for 3 years. I received a letter from GM saying I could end my lease early at the beginning of XXXX. I then purchased my car on XX/XX/XXXX. I wanted to stay with the same people who handled the lease for me, but they had moved to XXXX XXXX in XXXX. I asked them to handle the purchase for me and they put the loan through XXXX XXXX XXXX. I received a letter from GM Financial saying my lease loan is paid in full. The letter is dated XX/XX/XXXX. I received a balance sheet showing the check was applied on XX/XX/XXXX and I owe {$0.00}. I have a car Title in my new lenders name and I have a letter from XXXX thanking me for purchasing my car. GM Financial is putting on my credit report I owe {$2500.00}. I have spoken with XXXX XXXX who put the purchase through, XXXX XXXX, the GM of the Dealership, several people at GM Financial and an assistant to the VP of GM Financial, XXXX XXXX and she told me she would take care of it. As of XX/XX/XXXX I am still getting hits on my credit report and this has been going on since XX/XX/XXXX. I don't understand the way I have been treated. I am the customer and GM Financial acknowledges they made a mistake. Instead of taking care of this for me like I was told they would, I have been talked to horribly. I have been talked down to, my credit has been damaged, it has dropped over a 100 points and I have been lied to over and over again and for no reason. I never thought a company like GM Financial would treat a customer like this. They acknowledge the mistake, but so far have not fixed it. This has been going on since the first week of XXXX and I feel I have been more than patient. I would like this problem to be resolved, because it is damaging my reputation. XXXX XXXX told me it could take the credit companies a month or so to report the correction on their end, but GM Financial has not even stopped reporting the false accusations that I owe them money, because I received another credit alert on XX/XX/XXXX saying GM Financial put it on my report that I owe {$2500.00}. I was told from the GM at XXXX that I would be receiving a letter from XXXX XXXX saying it was taken care of. I haven't. The last time I spoke with her she said she may have forgotten to sign off on it, but she would. So far, she hasn't or GM wouldn't keep posting it to the Credit Bureaus. Please help me to get this error corrected. It is damaging my life. I don't understand this, I am the customer and all I did was purchase my car. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: U.S. BANCORP
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX XXXX I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602 ( I ) The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open ended credit. As a consumer, natural person, and original creditor I have an open-ended credit plan, it is unlawful to deny me of my own credit. I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non-compliance pursuant 15 USC 16810 , 15 USC 1640, 15 USC 1691e .

Further more, pursuant 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction- '' A denial of my open ended consumer credit constitutes to discrimination.

Pursuant 12 USC 1431 Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original creditor anything.

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 2022-07-13
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Date opened : XX/XX/XXXX Balance : {$580.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$240.00}, XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$390.00}, and XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have been contacting the bureaus since XX/XX/2020 about three unverifiable bankruptcies reporting on my credit profile. Transunion advised I need to send them information from creditor/courthouse. XXXX  claims they received information from a third party and XXXX  claims the bankruptcy is verified. I have sent all 3 bureaus a letter advising that the courthouse advised they did not report the information. I have also contacted the third party company XXXX XXXX in which they were not able to verify the information and sent the letter to all three bureaus but yet the three bureaus are STILL showing the bankruptcies on my credit profile violating FCRA.

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 2023-03-18
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:
CHARGE OFF REMOVAL XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern : As you know it is against the law to report any inaccurate information. 
The IRS defines a charge off as : gross or ordinary income- so how is this reporting as debt on my consumer report. There are 2 inaccuracies on my consumer report ; XXXX XXXX  and XXXX XXXX that you are reporting unlawfully. 

You are in violation of 15 USC 1681- accuracy and fairness of credit reporting ; ( 4 ) 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.

Furthermore, you are in violation of 15 USC 1681b - Permissible purposes of consumer reports which states : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. - I have NEVER given you written instructions to report this on my consumer report.

You are in violation of 15 USC 6801 : Obligations with respect to disclosures of personal information. You were supposed to PROTECT my information, instead you unlawfully reported inaccuracies.

You are in violation 15 USC 6802 - There were three ( 3 ) disclosures that you were legally supposed to provide me with that you did not. I was not provided with any of these disclosures.

1. You were supposed to inform me if you were going to report anything on my consumer report, which you did not.

2. You were supposed to provide me with a way to opt out, which you did not 3. You were supposed to inform me how to exercise my right to opt out and what steps to take to not report on my behalf, which you did not.

There are multiple federal violations here.

I demand this charge off to be permanently deleted from my consumer report, immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records, If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CAPITAL ONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
USAA Federal Saving Bank reported late payments to my credit report. In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 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 an account without my written instructions. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Riverview Law Office, PLLC
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called me 11 times since XX/XX/XXXX and its every couple Days I owe them XXXX medical debt that is about 3 years old. I keep Telling Them I am low income & dont have the money. They want XXXX month

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18
Company: National Credit Adjusters, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX allowed a fraudulent loan ( # XXXX ) to be taken out online on XX/XX/XXXX. Information given was all incorrect phone number, address, and employer. They did not verify anything correctly. The money was transferred to a XXXX XXXX account ending in # XXXX. XXXX XXXX then turned the unpaid loan balance into a collection agency in XXXX of XXXX called NATIONAL CREDIT ADJUSTERS. They also have completely false information and can only match my name, and old street address from over 30yrs ago. This was fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This account is on a balance liquidation plan. I paid the amount due on time. It was supposed to be an automatic payment with only {$63.00} due. Now it is being reported as 30 days late when I paid on time within the required terms. The conversation is on file with the bank. I did not make a late payment and this should be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2019-03-11
Company: Bell Financial Services
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I did get a loan from the company I lost my job ... I told them I was unable to pay I did not draw any unemployment the company that fired me rehired me and then close the business down and I got to draw unemployment I'm 5 months behind on my house and many other other items such as cars and I told them that I would pay but they'd have to wait instead she served me papers and then kept harassing me with phone calls after the fact that she served me and I have to go to court even calling me and telling me if I would sign this that she would tell the judge but I would do repayment program I really don't know where the laws are but I feel that they have harassed being illegally threatened me with court

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