BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: EQUIFAX, 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:
in accordance with the Fair Credit reporting act. The List or accounts below Has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1 : XXXX, 2 : XXXX XXXX, 3 : 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 explanation
Consumer complaint received 2023-03-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am in the process of applying for a Home Equity Loan. During the process it was discovered that there is a lien against my property in the amount of {$940.00} held by PORTFOLIO RECOVERY ASSOCIATES , LLC. I called the clerk 's office of my county and they advised that all they do is record liens. I then called PORTFOLIO RECOVERY ASSOCIATES , LLC and they could not locate an account associated with my social. I was transferred their legal department, I stayed on hold for a while and then they hung up on me. I then called the title company that ran the report and they're not sure what to say either. Also, the lien is held under a name I do not use. I was never notified of this debt, I am knowledgeable of my debts and this debt does not belong to me. This is threating my ability to receive the home equity line of credit and may result in other damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: U.S. BANCORP
State: MT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I bought a used car over a year ago through a private sale. I have been trying since then to get a lien release from US Bank. I have been told that there is no record of the lien because records are only kept for 7 years. I have tried many times through phone calls and emails to get something in writing saying that there is no longer a lien on the vehicle to no avail. The state of MT will not complete the title transfer until this information is received. The vehicle VIN # is 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 explanation
Consumer complaint received 2020-09-13
Company: LendingPoint Holdings LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
On XX/XX/2020 at approximately XXXXXXXX XXXX I received a Credit Disclosure email from Lending Point LLC ( LendingPoint-NoReply XXXX ). The email included a report of credit score that was allegedly pulled from my credit report. I have not solicited business from the aforementioned company nor have I authorized them to pull my report. It concerns me because someone may have attempted a loan with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
State: MO
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 credit bureaus has allowed creditors to place harmful information on my credit report. I requested from the bureau as well as the collection agency. I have asked for signature bearing documents to prove the validity of the debts I disputed. No such documents have been provided and experian is complicit in this illegal action along with the collection agencies. The credit bureaus are violating the fcra.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I've paid the debt on XX/XX/2015 to XXXX XXXX the collection agency the debt was sold. I have a copy of the letter still. However, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Check XXXX go was suing me for non payment. I requested validation of the debt and was advised they can't and won't send me anything. The number I was contacted from was XXXX which directed me to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have I sent out multiple request for the following accounts to be reviewed or removed from my credit report due to no response from the creditors : XXXX XX/XX/2021 AND XX/XX/2021 ( NO RESPONSE ) XXXX XXXX  XX/XX/2021 AND XX/XX/2021 XXXX XXXX XX/XX/2021 AND XX/XX/2021

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Due to the pandemic that has taken place, I have closely been monitoring my credit reports. My credit reports have two ( 2 ) debt amounts of {$320.00} and {$310.00} from Portfolio Recovery whom they have stated I owe Portfolio Recovery. After speaking with a representative from Portfolio Recovery asking repeatedly to send me documentation of this account, services date, signed and verifiable signature of a contract with Portfolio Recovery, absolutely nothing has been sent to me. However, according to my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX credit reports, they will remove the accounts and place them back on my credit reports. This has caused a tremendous effect on my credit scores and how lenders look at my creditworthiness. 

I have repeatedly sent letters to the Portfolio Recovery asking them to remove inaccurate accounts that they are reporting on my credit reports, up to last month XX/XX/2020. I am aware the FCRA promotes accuracy and fairness in the files of consumer reporting. I have no affiliation with Portfolio Recovery and neither have I used their services for them to say that I owe them money., I have no file, no account with a verifiable contract with a legal signature, nor are there any documents this company-Portfolio Recovery can furnish to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2020 a collection popped up on my Transunion credit report. It is not mine. They removed it in two weeks after filing the dispute. On XX/XX/2020, the same collection popped up again. I disputed it. Transunion sent back saying the information was accurate without showing me how or why is what accurate. This is not my collection, I have never had a collection, and the gross negligence by Transunion is now affecting me personally and my family as we are trying to purchase a house during Covid-19 and Transunion is the complete reason why it is not going through.

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 2021-11-22
Company: PNC Bank N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Have an account with The Online PNC-Bank XXXX They urged me to pay USD XXXX just to open my account for intl. transfers to my account in XXXX. Then me mad the first transfer, but never the money arrived in XXXX. After XXXX days me got a mail from the : INTERNATIONAL TRANSACTION PROCESSING UNIT XXXX : and asked me to pay taxes USD XXXX. Wanted to pay them from my USD-Account, but they refused, they blocked my account and all the transfers were be sent back to my US-account. They threatende me with shutting down of my account and the bank said the same. The Ombudsman, said, that company is fraud. Don't know, but me have no money in XXXX to pay to them and the wanted me to pay to the PNC-Bank . That's very seldom because there are about USD XXXX. Please see the latest mail from that bank from today : " Re : Re : My account with your bank-no. XXXX XXXX XXXX- Wan na make intl. transfers, but that's not possible. - Tax-problem Well it seems you dont want us to get this done for you All you have to do is wait till the appointed day then you will notice that your account is gone and the money will be sent back to XXXX XXXX account and shut it down too I will order my staffs to notify XXXX about the XXXX update, her fathers account will be shutdown permanently soon Good bye since I wanted to render a help to you but I noticed you are not ready to comply So me will lost all my payments and the money of that account. Suppose they are frauds like the tax-company, but not sure. Please help me to save my money. Thank you very, very much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received preventive care from XXXX XXXX XX/XX/16. They submitted this to collections after I was told via email it was corrected as a result of being preventive care. My insurance classifies routine XXXX XXXX as preventive care. This was not due to a illness, etc. This was a yearly routine physical.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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:
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 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 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 2019-07-18
Company: American Credit Acceptance, LLC
State: CO
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:
I called them the XXXX of XXXX and talked to them about the payment that was past due. They told me as long as I made partial payments that they would not report to my credit. I made {$100.00} on the XXXX, XXXX of XXXX I made {$400.00}, XXXX of XXXX I made a {$1400.00} payment. I made these payments under the direction of them to keep any 30 day lates from being reported. If I would have known that a 30 day late would have been reported I would have made different arrangements to make the payment. I felt that I would be good being directed by the representative on the phone on what was best to do to keep my account in good standing.

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 2019-03-31
Company: EQUIFAX, INC.
State: TN
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:
My exwife opened a XXXX Credit card in 2009 ( 3 years before we ever met ). Shortly after we met, she added me as an authorized user and I never even had a card. The three credit reporting agencies are claiming the was a jointly owned account and that when we filed bankruptcy, Im responsible for the debts on a card I never truly was responsible for, nor had I ever made a single purchase with it. Im trying to repair my credit and I dont need something that I was never responsible for being held against me. I have no documentation because I never had a card nor was I allowed access to the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-13
Company: Razor Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a old debt that I was unaware about. Not on my credit report or any communication by mail. Not until my employer told me in XXXX I had a wage garnishment. I had to pay {$100.00} a week begining roughly XX/XX/2020 to XX/XX/2020, when it was fully paid and settled. Than in XXXX, I get notice my state taxes are being held for a wage garnishment from this same debt with XXXX XXXX XXXX law. I immediately contacted the state, they needed proof it was paid. I sent them everything but since I didn't have the official court copy showing the judgement was paid in full they couldn't release it. I contacted the law office by phone & email as well requesting this. The XXXX district court even tried contacting them as well. Weeks turned into months & the state income withholding unit sent my money to the law office. I paid this debt twice. I've been extremely patient with them. I struggled to provide for my family for almost 3 months paying this back through a wage garnishment. I waited for my state income tax return that was held for months. Than they send my tax return to pay again for this debt. Another 3 months of trying to contact the lawyer with no calls or emails back. This law office got my money twice for 1 debt. I deserve to have my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-13
Company: Square Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My account was terminated and now I can't get my account to cash out. The original debit card that was used in the setup of the account was stolen and Cashapp will not allow me to link any other card with the account to let me cash out. I have over {$400.00} that I need but have no way to access it. I have asked them repeatedly to fix the problem and the only response I get is to go to their website and send in a question which has been done multiple times. I really need to know how to resolve this issue so I can get my money and be done with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is crazy ... I have sent out a hard copy complaint as well as online compliant, because of several unrecognized fraudulent accounts : XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX. I have several fraudulent SS numbers showing on my credit report that do not belong to me. Please delete the following SS number : XXXX, XXXX, XXXX XXXX. This is the third time I have had this issue. I had filed a FTC report before to deal with the issue of fraudulent activities and someone using my name and ID. I use to live in OHIO 10 years ago I have been in XXXX FL since I have attached a copy of my ID and SS Card and a bill with my current and ONLY address. Please have them remove/delete the collection accounts immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
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 Account # 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 602 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 2018-03-06
Company: Experian Information Solutions Inc.
State: WI
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 trying to get the dispute remarks removed from my credit report for 1 month now. I have called in 4 times to get the remarks removed and each time I have been told that it is complete and that it would take 48 to 72 hours and this has not been completed.

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 2020-12-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. It has been 60 days as it stands and I have gotten no response from the credit bureaus. This is totally unacceptable. At this point, it is clear that my disputes are being ignored. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. It has been 60 days since my dispute so they should be deleted promptly. It has come to my attention that my information was impacted by the XXXX data breach and may have been in the hands of the wrong person. I am demanding these items be removed immediately or I will be forced to file for litigation due to the stress you have caused me.

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 2022-01-10
Company: EQUIFAX, INC.
State: CT
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation