BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-26
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
An unknown number called me today XX/XX/2019 at XXXX and left a message to call them back at ( XXXX ) XXXX. After calling the number the guy on the other line stated that he was an attorney and I was going to be sued and served papers to my home and or workplace on a specific date if I did not pay in full. He asked if I was trying to commit fraud and had all of my information without my permission. I have contacted the company to dispute the information and feel that I am being pressured to pay when I do not have the funds. They are trying to get a third party debt collector involved by saying they are attorneys when they really arent. Threats coming to my home and workplace is very concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
As a consumer on multiple instances, I have written several letters to all 3 credit bureaus, exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g I have repeatedly asked for evidence to support their reportings, but yet again they have failed to provide me with a copy of any viable evidence submitted by ( XXXX ) and ( XXXX XXXX ) substantiating their claims. Furthermore, I have requested their method of verification, and they have not complied, who verified these items? What methods were used in verifying these items? Also, where is the physical proof of a contractual obligation with my signature on it? which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). and allowing the negative items to remain on my credit report after several letters damaging my creditworthiness. The items, therefore, should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). Experian, XXXX Account # XXXX as well as XXXX XXXX Account # XXXX. And XXXX  XXXX XXXX Account # XXXX, as well as XXXX Account # XXXX, are all in violation of the FCRA ... 

I have sent certified mail to the credit bureaus named Experian and XXXX 3 times to validate and verify 2 accounts on my report. They come back with " verified '' or updated on my report. I asked for proof of verification to show me how this is indeed my debt and they never have any signed contracts or proof to send back.

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 2023-12-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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:
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. THE BUREAUS and 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 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 non-monetary relief
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: NE
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:
On XX/XX/2022 I sent an dispute letter to all three credit bureaus Experian, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/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 2016-08-30
Company: Credit Clearing House of America, Inc.
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX/XXXX/XXXX, upon returning from a work conference out of town, I opened a letter from the Credit Clearing House of America. This stated that I was being sent to collections for an unpaid bill from XXXX XXXX of {$490.00}. I could n't recall ever seeing a bill for this so I searched through two years ' worth of bills that I received through mail and via email. I could find no record of this bill. 

On XXXX/XXXX/XXXX I called CCH and they suggested I call XXXX. At XXXX I spoke with XXXX. He said the bill was for service dated XXXX/XXXX/XXXX. I told XXXX I had no knowledge of ever receiving this bill. He stated that his records showed XXXX XXXX had never sent me an invoice for the service. XXXX said he would speak to a manager and call me back. 

In the meantime, I searched my bank accounts to see if perhaps I had paid the bill and did n't remember. I could find no record of a payment in my current bank accounts. Unfortunately, my bank account in XX/XX/XXXX is different than my current account. I called the bank but it would cost an exorbitant amount of money to get those statements. 

I called XXXX back on XXXX/XXXX/XXXX. I spoke with a different representative, XXXX. She also confirmed that XXXX XXXX had never sent an invoice. This representative stated that they sent the debt to collections on XXXX/XXXX/XXXX. The first letter I received from CCH was XXXX/XXXX/XXXX. I did tape this conversation and have that recording available to validate never receiving an invoice. 

Upon further research of this issue, I found references to a term called " parking '' a debt - where collections will not act on a debt until the person applies for a mortgage or loan. My husband and I had inquired about a mortgage in XX/XX/XXXX.

Company response to consumer: Closed
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-08-15
Company: Netspend Corporation
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There has been two separate transactions on my account where someone has created a virtual card on my account, two different virtual cards, and made transactions that I did not authorize. The first claim someone created a virtual card on my account and used it to make unauthorized transactions through a bogus XXXX XXXX. I promptly filed a claim with Netspend bank to dispute these transactions, but unfortunately, my claim was denied. # Claim Number : XXXX was for {$320.00} where someone opened a virtual card ending in XXXX on XXXX XXXX and transferred the money to a bogus XXXX XXXX, this was not me, this was not authorized. To my dismay, the same situation has occurred again, where another virtual card was created on my account and unauthorized transactions were made. Now I have another transaction that went through last night at XXXX CT for {$370.00} with yet another virtual card ending in XXXX to XXXX XXXX XXXX XXXX XXXX GA XXXX this was not my transaction and was not authorized. I have started a dispute on this one as well under claim # XXXX. This is {$690.00} my bank, Netspend, has allowed someone to create virtual cards on my account and take my money, yet they have denied my first claim! This is totally unacceptable business practices. I have been in contact with Netspend already to change my email and password on my account and waiting on a new card so I can access what money I have left! This is deeply concerning and highlights a significant security breach within the Netspend systems. When I send emails, all I get is an automatic email. I call customer service and they go through all the normal XXXX without helping me. They should be responsible for giving me my money back!

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 2023-08-15
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Have asked lvnv funding for original purchase agreements in writing to be sent to me along with summary of charges. To no avail. Was also never given to opportunity to opt out of any and all communication about this debt!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My account was closed due to claims I made to be reimbursed for fraudulent activity on my account. Over the XXXX years I banked with Wells Fargo Ive dealt with money coming out of my account unauthorized, Multiple Fees that came out more than once per month, purchases that didnt match what was actually spent etc.

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 2022-01-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 i sent a letter regarding inaccurate and unknown things on my credit report. To this day almost 60 days later i have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. They have yet to send any proof of these items to me. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts be deleted immediately or i will fill for litigation due to the stress you caused. My information was also 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 2023-08-15
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not owe this debt. I paid the rental company and they still put fees on my account. It wad during the pandemic. I was sick with XXXX. I could move right away. The office said I could break my lease due to some shooting happened there. The bullet went through the apartments. Then six months prior they were notified by me that this person had a gun. Nothing was done about it. Until he shot through the apartments. I would like this debt removed from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: GA
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or 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 XXXX 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 explanation
Consumer complaint received 2023-01-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The enclosed documents are regarding Complaints XXXX and XXXX. It is the evidence to support the Enforcement Actions against Carrington Mortgage ( CM ). Moreover, it provides Carrington Mortgage state of mind prior to XX/XX/XXXX, XXXX day I was served a summons to foreclose on my home. On XX/XX/2023, CM submitted a letter I received after XX/XX/2023, to indicate my application was 'Incomplete ' and more documentation was needed. Is this Enforcement or Retaliation? Specifically, there are details how the HOA and their Law Firm benefitted from my hardship and CM deceptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: MO
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:
I am writing to formally dispute and request the removal of fraudulent items from my credit report. It has come to my attention that there are inaccuracies on my credit report that are a result of identity theft and fraudulent activity. I am taking the necessary steps to address this issue, and I kindly request your assistance in resolving this matter. 

This collection account is the result of fraudulent charges and is not associated with my financial history. I have already reported this to law enforcement and the creditor. 

I have taken steps to report the identity theft and fraudulent activity to the relevant authorities and have obtained police reports and incident reports documenting these incidents. I am enclosing copies of these reports, along with any other supporting documentation that will assist in your investigation. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request the removal of fraudulent items from my credit report. I request that you conduct a thorough investigation into the fraudulent accounts mentioned above and promptly remove them from my credit file. 

I understand that you may need some time to conduct your investigation, but I kindly ask that you notify me of the progress and provide updates as soon as possible. Additionally, please provide me with a copy of my updated credit report once these fraudulent items have been removed. I am asking for your assistance to remove the following fraud items : 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 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

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 2023-08-24
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:
PLEASE SEE ATTACHMENTS : Enclosed please find the evidence detailing Equifax 's violations of federal laws, encompassing the FCRA and GLBA. These violations involve unauthorized reporting, absence of verification, non-compliance with opt-out provisions, lack of wet ink signatures, and failure to conduct proper investigation procedures. These actions infringe on my rights and have resulted in significant harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: SC
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:
XX/XX/2022, XXXX this is a responding complaint. Complaint number # XXXX. XXXX states that the address XXXX XXXX XXXX, XXXX, NC XXXX is or was my address and XXXX obtained this address from XXXX, XXXX and Equifax. The nationwide consumer reporting agencies. I am disputing this address and request XXXX to reinvestigate. I DO NOT HAVE THAT ADDRESS ON MY CONSUMER CREDIT REPORT WITH XXXX, EQUIFAX AND XXXX. Therefore XXXX is reporting inaccurate information which is a voilation of the fair credit reporting act, 15 U.S code 1681s-2. Reinvestigate this address with XXXX, XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This regards PNC banking. 

On XX/XX/2023, I submitted a {$8400.00} withdrawal request from my child 's XXXX ( XXXX XXXX XXXX ). Conversations with XXXX XXXX XXXX on XX/XX/XXXX indicated that the transfer to PNC was confirmed on XX/XX/2023. 

To date ( XX/XX/2023 ), the funds do not show as PENDING or present in the PNC account. 

On the evening of XX/XX/2023, I also contacted PNC. Recordings will indicate I was polite and direct at all times. The first PNC representative did not seem to understand what a XXXX transfer was. The second PNC representative pretended that she could not hear me, and disconnected. 

I called back. The PNC representative suggested that I check on the projected transfer time. My understanding is that it is three days. 

I would like to know where my {$8400.00} is ( more directly, PNC needs to deposit it into my account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XX/XX/2022, XXXX this is a responding complaint. Complaint number # XXXX. XXXX states that the address XXXX XXXX XXXX, XXXX, NC XXXX is or was my address and XXXX obtained this address from TransUnion, XXXX and XXXX. The nationwide consumer reporting agencies. I am disputing this address and request XXXX to reinvestigate. I DO NOT HAVE THAT ADDRESS ON MY CONSUMER CREDIT REPORT WITH TRANSUNION, XXXX AND XXXX. Therefore XXXX is reporting inaccurate information which is a voilation of the fair credit reporting act, 15 U.S code 1681s-2. Reinvestigate this address with Transunion, XXXX and 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 2023-08-24
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:
ERROR CODE XXXX  THAT NEEDS TOO BE FIXED BECAUSE I DONT SEE MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
Company: Experian Information Solutions Inc.
State: IN
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 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 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 non-monetary relief