BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: Experian Information Solutions 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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXO 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 an 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 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 2023-02-03
Company: Upgrade, Inc.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Upgrade.com- Upgrade inc. on behalf of XXXX XXXX XXXX has 2 loans open under my name and they sent me a notice in the application ( app ) stating that there was an adverse action notice in my Personal Line of Credit account. * '' Unable to verify identification of requestor* I contacted the company and they kept telling me they needed information. I submitted the information and no response. I then get a notice my accounts were frozen and i kept calling to verify that they received my information. To this day there has been no confirmation of receipt and the accounts have been closed. I asked for a paper response so that I can provide this information to the CFPB. Was told they are a finserve company and they only work with email. I expressed that there is an issue with their email because i have not received confirmation that they received my paperwork as requested. I was told by a few representatives that I must be doing something wrong. There is no PORTAL where I can upload the documentation, and there is no formal notification by mail to advise that the account is under threat of being closed sue to that " verification of requester '' request that they do initiate through the website portal.

Every time i call to get more information i get referred to emails that I have not directly received. I get updates once i call in and ask to speak to someone regarding my account. At this point I have 2 accounts that are now closed, can not utilize the line of credit and the balances are due, so i can not use the product that i was told i could utilize all because of what I believe is a faulty process and I am being penalized because their system is inadequate at receiving documentation other than in EMAIL, no portal access and no physical method to submit requested paperwork. 

XXXX XXXX XXXX. 
Accounts # XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This bill should not have been given to me. This was fraudulent activity that was done, and billed to the incorrect person. When dealing with this before, it was removed several months ago ( {$640.00} ). Now, it is back on my credit report and this is stopping me from closing on a home. This bill does not belong to me. I am very upset. This is not fair for someone who works hard, pays taxes, and pays bills all of the time. I sent multiple letters, and it was once removed from my credit report. Now, it has reappeared within the last two months. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for their blatant disregard for the law.

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 2020-12-04
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A year ago, I paid an online service for malware elimination. At that time, the service made it cler that this was a subscription and that if I did not cancel the subscription I would be charged another {$10.00} one year later. I went online and cancelled the service because I didn't need a subscription. I have the meail documenting this cancellation. This week, the service charged {$40.00} to my Paypal account. I diputed this charge with Paypal and was informed that they derermined the charge was legitimate. I sent the subscription documentation to Paypal but have gotten no response. I also sent the cencellation documentstion t0 the service provider and no response. This is a fraudulent charge and Paypal needs to refund my money. Paypal transaction number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-04
Company: EQUIFAX, INC.
State: SC
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 explanation
Consumer complaint received 2021-10-15
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

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

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 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: EQUIFAX, INC.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried over and over trying to submit this fraud report. This isnt my account and I need this removed ASAP. This is clearly fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
4 chargebacks requested have been receiced back as credits the interest charges while awaiting 8 months for chargebacks are as follows : XX/XX/XXXX thru XX/XX/XXXX total XXXX $ Credits given for interest as follows : XX/XX/XXXX ( two entries ) XXXX and {$1.00} {$47.00} less {$42.00} = {$5.00} still due to zero interest out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: EQUIFAX, 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:
Im unable to view my score with Equifax. In XXXX of this year I filed a complaint about this matter and Im still facing the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: JPMORGAN CHASE & CO.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Debt was settled by the original creditor ( chase bank ) This debt in bankruptcy proceedings

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: NY
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A company calling itself 'XXXX  XXXX ' called my son and left a message about a debt they say I owed. I called the number and they said they were collecting for Capital One. 

1. They had my previous name. I was married 7 years ago and they had my previous last name. 

2. They had my Social Security Number. 

3. The website for the REAL XXXX XXXX has a warning about an imposter using their name to try to get money. 

4. According to Capital One my credit cards under that previous name were paid off. 

5. Their phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted the credit reporting agencies numerous times over the past year to have them dispute these credit inquiries from my credit report. Each time I have called and asked to have them to dispute the inquiries they have informed me to call the creditor directly to have them to correct the error. How can I contact the person listed on my credit without all the information needed to dispute it directly with the person that put it on 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 explanation
Consumer complaint received 2023-05-12
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:
To whom it may concern After I made the decision to use my rights under FCRA, I was looking to challenge any inaccurate information in my credit reports. By ghting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are impacting my credit score and my ability to get loans. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your ndings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company veried and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either conrm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and veried information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.

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 2020-07-13
Company: TMX Finance LLC
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I live in Arkansas and saw an ad online for a title loan from TitleMax. I applied and was approved online, then had to go to Tennessee to get the loan. I actually signed an agreement from my home in Arkansas and sent it online. I have two title pledge agreements. The first one originated XX/XX/XXXX for {$1000.00}. As of XX/XX/XXXX, {$1300.00} has been paid. The second one originated XX/XX/XXXX for {$700.00}. As of XX/XX/XXXX {$790.00} has been paid. Nothing has been paid since then. 

AR Short Term Loan Act prohibits lenders from accepting a title as collateral for a short term loan. 

Regular or online title loans are illegal in Arkansas. 

The TN Title Pledge Agreement was emailed to me in Arkansas, I Docusigned my signature and returned it. Therefore, part of the loan took place in Arkansas. 

My drivers license, license plate and title were all registered in Arkansas. They sent in to AR Dept. of Motor Vehicles to be able to be a lien holder on my vehicle. 

AR loans are capped at 17 % interest. These loans are 170.21 % APR. 

These loans are illegal and unenforceable under AR Short Term Loan Act.

TitleMax received the money I borrowed plus 35 % interest on the first one and the money I borrowed plus 14 % interest on the second one. 

I wrote to TitleMax on XX/XX/XXXX asking for my title to be released. 

I received two letters back dated XX/XX/XXXX, stating that, We will NOT release the lien or return title until your account is paid in full Transaction # XXXX dated XX/XX/XXXX {$770.00}. Then, Transaction # XXXX dated XX/XX/XXXX {$900.00}. 

A copy of my letter was returned in the envelope with their two letters and its written in red, Denied. 

Those dates are definitely not right. I have my original Title Pledge Agreements. Title Pledge Transaction # XXXX is dated XX/XX/XXXX and Title Pledge Transaction # XXXX is dated XX/XX/XXXX. Plus, the first payment on the first loan was made XX/XX/XXXX and the first payment on the second loan was made XX/XX/XXXX. 8 payments were made monthly on the first and 6 payments were made monthly on the second. On the top of each page of the Title Pledge Agreements, it has Docusign Envelope ID numbers that prove they were emailed to me when I signed them. 

I need some help to get my title please. Not only were the loans illegal in the state of Arkansas, but their records arent even dated correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-05-12
Company: Experian Information Solutions Inc.
State: VA
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-08-12
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Secured Resolutions, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company secure resolutions keeps call my cell phone and has called my work numerous times on XXXX/XXXX/XXXX. They are saying I owe a medical debt which I do not. They would not stop calling even my work even after there number was blocked. They would just call another extension of a different employee and ask for me. I do not owe this debt and I am being harassed by this company.

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