BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
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:
The collection Portfolio Recovery Associates , LLC Keeps on calling me everyday collecting for a credit card debt XXXX that was discharged by the company years ago when I got sick from XXXX XXXXXXXX. The letter they send me says Account XXXX for the amount of XXXX I don't remember the amount but it wasn't that. 
I requested in writing for proof or paper work of this from the original company and didn't get a response. 
This company likes to collet on closed and discharged accounts they did it to me before. 
Can you please look into this. 
The addresses for Porfolio recovery they send are XXXX XXXX XXXX, XXXX, Virginia XXXX and the number XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX and XXXX XXXX XXXX XXXX VA XXXX They call from a different number and different area codes every time Thank you for your help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient increase my payment from  XXXX  to  XXXX  back in  XXXX   2016 .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
1 ) I never gave my permission to be added as an authorized user to the XXXX XXXX XXXX Card that is on my report. 
2 ) XXXX  and TransUnion are reporting that I am 60 days past due on an account that should not be reporting but also has a {$0.00} balance and {$0.00} past due. 
3 ) I have tried to dispute this and have this removed from my report because it is not my card and I am not late on it.

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 2020-12-06
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: Their investigation did not fix an error on your report

Complaint:
After Reviewing my Credit Reports, I noticed that there is a Public Record Bankruptcy on my Credit Report. Experian and Trans-union have not verified Accuracy of Bankruptcy on my credit report. I disputed these item on my report with Experian and XXXXXXXXXXXX but they have not remove public record Bankruptcy. Im not able to get approved for any new line of credit because of this. Experian stated they verified bankruptcy with XXXX XXXX but my XXXX XXXX file has an security freeze which prohibit anyone from viewing my report. Experian and XXXX  XXXX  are violating Fair Credit reporting act. The Bankruptcy reporting on my credit report has an address where I do not live. I disputed these items multiple times but they have not removed item. I contacted the Federal US XXXX courts which they advised that they do not report to the credit bureaus. They do not disclose anyone Social Security or Date of Birth to credit bureaus. Also Address with XXXX  court is not my current address. this is unverifiable. The Credit bureaus are in complete violation of Fair Credit Reporting Act. 
Im Attaching copy of XXXX XXXX statement below.

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 2017-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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   XXXX   XXXX   XXXX    XXXX   XXXX  , Mo  XXXX  no signature and no contract

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 2022-02-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax & XXXX refuse to provide me my full credit file ( front & back ). 

XXXX shared information with Equifax without my consent and credit inquiries from unknown sources improper. 

Equifax mailed me a letter, in contradiction, Equifax instruct me to furnish verifiable information such as address etc. that they have confirmed via Equifax letter attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
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 disputed a closed, wrong reporting acct. They never sent verifiable proof, can't connect the address to the account, this has been going on for over 1yr.

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 2020-12-06
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:
I was a victim of identity theft on which a fradulent collection was added to my credit report by XXXX XXXX for {$650.00}. Upon filing an identity theft report and going through the proper authorities, this has since then been removed from XXXX and XXXX  report for almost a year now. Equifax still refuses to remove this information and is single handedly ruining my credit as well as many life opportunies due to my credit. 

Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days. Because of your refusal to do so, I have filed a report with the CFPB, FTC, and my local XXXX. I expect this issue to be resolved, or I will not hesitate legal action through my attorney general 's office as well as a specialized law firm. 

Please respond and resolve my complaint as soon as possible, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ashley Furniture XXXX. They billed my account for 400.00 additional dollars without notifying me upon my first in store order. 
XXXX. They delivered a damaged item and made me go through the warranty process instead of replacing it with a new couch with a value of 4000 dollars. 

I am disputing the account and requested that they pick up the item and cancel the order but they sent a repair man instead. 

I went into the XXXX XXXX store where the couch was purchased to disucss and he advised that they would replace with a new unit. They did not and after that visit I was not contacted by XXXX to schedule the delivery of a new Couch. 

They caused my credit to drop by 30 points due to the over limit amount please request that they remove any discrepancies from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02
Company: National Enterprise Systems, Inc.
State: GA
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:
NES has forwarded a letter to me with claims I owe them debt. I do not have any accounts with NES or its affiliate representative.

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 2020-09-20
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA
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:
Prestige Finance has retaliated against me after my last CFPB complaint. I feel like i have been discriminated against have not been treated fairly. Previously, they provided incorrect information on my credit report stating that I was 30 days late XX/XX/2019. Well, after my last complaint with the CFPB, they have now added an additional 30 day late payment reporting for XX/XX/2019 reflecting that I'm 60 days late. 
I feel like I have been discriminated against even more after I filed a complaint. I have statements to support that I was not late for XX/XX/2019 nor XX/XX/2019 but they have added this to my credit file. Dropping my credit score down 16 points. I have asked if the XX/XX/2019 past due reporting could be deleted since the account is closed with a XXXX balance and was denied and a second late payment have been added. I intend to reach out to an attorney to see if I have any rights because this company has violated my consumer rights and I'm sure that they have broken many laws at this point. I have reached out to them on several different occasions and have been denied all rights that are fair and due to me. Please have someone who is interested in doing the right thing so that my credit report no longer suffers from their false and wrong doings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XXXX approximately XXXX XXXX  I attempted to log onto my Coinbase account from my laptop computer. The process includes a 2 step verification in which they send your phone an sms message. During the log in the code they provided did not work. I tried to log in again and the same thing happened. I was prompted to change the password. After changing the password I became locked out of both my mobile account and the laptop I was trying to log in with. I then tried contacting coinbase through their chat which seems to be completely automated and run by a robot only. I then tried to call to speak with a person only to find the number is solely for compromised accounts and you still can not talk to an actual person. I then contacted support through an email in which they replied they would look into it. I then had to complete a recovery process. After completing the recovery process I was then told it could take 48-72 hours to reinstate my account. In the world of stocks and crypto that amount of time is unacceptable. I have now  been forced to watch my money plummet well over XXXX dollars with no way to access my portfolio or sell what I do have to prevent further loss. Due to the fact they have blocked me out of my own account all I have are screenshots of where my account was at approximately XXXX XXXX  on XXXX. I have bank record of money invested and if they ever open the account back up I can provide all the transaction history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: MicroBilt / PRBC (formerly CL Verify)
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: Credit inquiries on your report that you don't recognize

Complaint:
In or around XXXX, 2019 I went shopping for a car from dealers that specifically stated they are a " buy here pay here with no credit check. '' I bought a car from XXXX XXXX XXXX in XXXX, GA and did NOT consent to or sign any consumer/ credit check request form because it was not required. That was the main reason I went to this type of dealer because I did not want anybody running my credit. 
However, a few months ago I noticed a hard inquiry on my credit by Microbilt -supposedly conducted for an auto reseller on XX/XX/2019. I immediately called the number listed for Microbilt but I could not get anyone over the phone. I kept calling and leaving messages but to date nobody has ever returned my calls. The company does not provide any option to send an email or dispute online. Ii tried to dispute with the credit bureaus but I was told that for this kind of dispute I have to dispute with the furnisher/provider of the information. I went back to the dealer to inquire why they had Microbilt run my credit without my consent and they categorically doing that and restated their earlier position that they are a " buy here pay here '' company that does not do any credit checks. I have since tried unsuccessfully to get Microbilt to remove this inquiry from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Inaccurately showing as Pending Litigation. A purported income withholding Order has been provided by the Title IV-D Child Support Agency but this order has not been signed by a judge showing violation of 28 U.S.C 1691. The agency can not 1 ) validate the debt ; 2 ) provide a contract ; 3 ) Provide the required Enforcement of Income Withholding document under 45 CFR 303.100, with the exclusive Judges signature in the Title IV-D Child Support Agency . Any other signature ( s ) in the Title IV-D Child Support Agency document would be impersonating a judge in violation of a federal crime under Title 18 U.S.C. 913 ; produce order by a judge ; 4 ) provide full accounting itemizing charges ; 5 ) can not show arrears information ; 6 ) show prove of jurisdiction ; Garnishment is a federal statute requirement under Consumer Credit Protection Act ( 15 U.S.C Section 1673 ( b ) ; 7 ) Under Section 466 ( b ) ( 1 ) The IV-D Income withholding provision requires the withholding of income in an amount sufficient to comply with the support order up to the maximum amount permitted under section 303 ( b ) of the Consumer Credit Protection Act ( 15 U.S.C Section 1673 ( b ) that is 1 ) The employer is responsible for implementation the CCPA limitations ; 2 ) The Federal CCPA exemptions only apply to disposable income.

In United States v. Sage, 92 F. 3d 101 ( 2nd Circuit 1996 ), the judges ruled that child support agreement are equivalent to an interstate commercial contract and rejects the idea that child support payments obligation is somehow different than student loan or car notes. Therefore, these inaccuracies are affecting negatively my credit report and may affect my ability to keep my job.

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 2023-07-20
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: Personal information incorrect

Complaint:
this complaint is a respond to a letter i recived from transunion requesting additional documents for case number XXXX XXXXXXXX i attached documents below

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 2023-05-27
Company: Cascade CISS Holdings, LLC
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:
In accordance with the Fair Credit Reporting act Convergent Accounts : 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 agenecy can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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: Information belongs to someone else

Complaint:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.

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 2018-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been working on this for some time now. XXXX is the only company that is listing my creditors and credit score. TransUnion literally told me that I can not have a 1 letter last name. TransUnion would no longer help me any further. XXXX  can not find anything except when entering my middle name of XXXX   as my last name. What they did find are two older accounts that were closed over 10 years ago. XXXX   did open an investigation into the matter. They concluded that my creditors were not reporting any information to them. So I called all of my creditors, 5 student loans and 4 credit cards and they all state the same thing. They are reporting my name and information to the three credit bureaus as is - XXXX XXXX XXXX. This is now affecting my ability to purchase a new home. Please help me ASAP.

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 2020-09-19
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, I attempted to complete an ACH transaction on a recently opened account. I called customer service BMO Harris at XXXX. CSR who took the call asked me verification questions. I was unsure of the last question regarding a XXXX XXXX that I previously owned. The question was regarding the year of the XXXX XXXX. I was unsure of the answer because I previously owned and no longer own a XXXX XXXX. While I was thinking of the answer the CSR selected none of the above. This resulted in failed verification and the CSR told me I would need to come into the branch for BMO Harris. I then asked her for a manager and she subsequently hung up on me. I then called BMO Harris again at the same phone number and the call was disconnected. I called the same phone number and spoke with XXXX and she informed me that the verification questions were answered incorrectly and that I would need to walk into a BMO Harris branch for verification. XXXX then transferred me to XXXX who repeated that I would need to come to a BMO Harris branch because I was within the footprint of a BMO Harris branch. I was very confused by  what the word footprint meant. I advised XXXX that I was currently in the State of New York for an undetermined period of time and was concerned about COVID-19. XXXX then placed me on hold for a very long time ( more than 5 minutes ). When she came back on the phone, she did attempt to assist with the online banking process but repeatedly told me I needed to come to a branch to verify my identity even though the previous customer service representative failed the verification process in error. I am in the New York area for an undetermined period of time and do not know when I will return to the XXXX area to enter a BMO Harris. Given the circumstances with COVID-19, I dont think anyone human wants me to enter a BMO Harris bank. In addition, XXXX suggested that I enter a XXXX XXXX XXXXXXXX in XXXX to perform my banking transaction. To the best of my knowledge, only essential workers, such as doctors and nurses, may enter XXXX for the short term and possibly the long term. There is no BMO Harris bank anywhere near my current location in XXXX New York. We ended the call with no resolution provided by BMO Harris.

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