BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-25
Company: Receivables Performance Management, LLC
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:
When I viewed my credit report after I had difficulty leasing an apartment for my family, I was shocked and dismayed to see a collection account on my credit report for XXXX that has been given to some shady sounding company that does n't have a real name. The name is the following : Rcvl Per Mng I contacted Rcvl Per Mng at the number listed on my credit report, and they could not verify this and said to call XXXX. I called to XXXX, and they said to call the collection agency. 

I have never had a XXXX account, only XXXX in my whole life. 

A quick XXXX search leads me to believe that this is actually a company called Receivables Performance Management. They are clearly trying to hide who they really are by not having their real name on the XXXX report. 

I would guess they are not licensed to collect debts in Tennessee.

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 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my report incorrect information is being reported to my personal credit file. The XXXX and TransUnion XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquiries to be removed - XXXX XXXX XXXX USA Inquiry XX/XX/2022XXXX XXXX XXXX XXXX : XX/XX/2022

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 2021-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
With my bank I filed a claim that on XX/XX/2021 that a transaction was made of {$4100.00} that I didnt give permission for. The bank denied my claim. They didnt even give a reason of doin an actual investigation. They put fraud on my account and issued me a new card.

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 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Incorrect information on my credit report involving my address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: NJ
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, Acct # XXXX, and XXXX XXXX XXXX, Acct # 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 2017-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I paid Bank of America in full, for an over drafted bank account. The account number is, XXXX - XXXX. Amount requested by B Of A, {$1200.00}. 

Amount paid by XXXX XXXX, {$1200.00} for XXXX balance. 

This account was initially reported as Suspected Fraud Activity. This language is suggestive that elements of Fraud were present. When this was just an overdraft. A customer issued me a check, I deposed the check in good faith. The check amount was credited to my account, but later returned to me as NSF. The bank overdrew my account {$1200.00}. However, there was never any elements of Fraud involved. 

Bank of America reported this erroneous information to XXXX. XXXX is reporting this erroneous information to those who pull my information. 

XXXX XXXXXXXX XXXX is declining to open a new account because of this language.

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 2017-10-25
Company: American Financial Network Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
my wife and i applied for a loan on our property in XXXX tennesee in XX/XX/XXXX after approx 45 days i received a request to pay off $ 50+K in debt, and close an account so that the loan would go through and i would receive docs the next week. 
we paid off the debt within 24 hours and provided all requested documentation to XXXX XXXX NMLS # XXXX OF AMERICAN FINANCIAL NETWORK INC. within 72 hours. this included letters from creditors. 
approximately 10 days later i then receive another request from the XXXX XXXX to pay off approximately 90 % of all of our debt in order to get the loan processed. 
my wife and i have now paid off over 50 thousand dollars in debt as requested and now they want us to pay off another 200+ thousand in debt. between these two amounts this exceeds the loan amount requested. some of these loans are also 0 % interest which they want to provide a loan for approx. 4-5 % which financially makes no sense. ( get rid of a zero percent loan to obtain a 4-5 % loan? ) after questioning XXXX XXXX he stated that 's what underwriting has requested. 
this process has now left me with approximately 3-5 hard inquiries on our credit which were NOT authorized and wasted 90 days of our opportunity to obtain this loan. 

the ramifications to me from the above is : XXXX of debt paid off for no reason and cash flow loss as requested by XXXX XXXX 90 days of time for a refinance on the property excessive AT LEAST 4 hard inquiries on my credit personal loss of time

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am following up on a previous dispute. That concluded today. After I got all the information to validate this account, I called Portfolio Recovery Associates at and spoke with a representative name XXXX if I recall correctly. She was extremely rude. I called to ask her what were my options for a pay for deletion. She told me that she could not collect on this debt by accepting payment from me. She rudely continued to ask me about if I disputed my account and why did I say it was n't mine. I tried to calmly explain to her that I had sent a complaint via the CFPB but that had been resolved as of XXXX/XXXX/XXXX. She could n't even hear me because she was so busy talking over me. 
This is a formal complaint of how rude Portfolio Recovery Associates are and there unwillingness to take my payment. Her words where she could not accept payment from me. Since all calls are recorded and monitored, I am sure that you can listen to the calls and validate that the information I am providing is accurate and correct. 

If you need to contact me the best way is via XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: Genesis FS Card Services, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a letter from a company saying thanks for applying for a credit card. I never applied for a card. The company is Genesisfs Card Services, XXXX XXXX XXXX, XXXX, OR XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Square Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX. Opened a case. Vape  company in XXXX scammed me with a defective product. 

XX/XX/XXXX I inform cashapp there is not an option to dispute via services not as described. We banter back and forth. 

XX/XX/XXXX : On Sat, XX/XX/2021 at XXXX XXXX, Cash Support XXXX wrote : Hi XXXX, This is XXXX, Thank you for your patience during our delay and I hope you're doing well and you've been staying safe during this time. 

We will update you with the required information to open your claim within 10 business days.

After this I reached out multiple times starting XX/XX/XXXX and never received a response again. I believe they blocked me from opening a support ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Capital One Auto Finance XX/XX/2016 Approximately XX/XX/2016 due to a job loss I contacted Capital One Auto finance in reference to an extension to make a payment on my account. a month later I check my credit report and it shows that I was over 30 days past due. I contacted Capital One auto finance and was advised there's nothing they can do to correct the mistake and there were no notes of the extension on their system. my vehicle loan is paid in full but the late payment is still showing. I've sent letters after letters to capital one auto finance and the credit bureaus with negative contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ATTENTION DISPUTE DEPARTMENT CREDENCE RESOURCE Reported : XX/XX/XXXX. Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company in federal court if need be. I am also aware that your company will be liable for actual damages and court fees. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: AR
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 am a victim of Identity theft. You should blocked the information in the file that I've mentioned. I am submitting the copy of my ID and Identity theft report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Navient Solutions, LLC.
State: OR
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 am requesting a review of my m current loan status with Navient. Navient currently shows me as being past due 30/60/90 days during the months of XXXX, XXXX and XXXX of XXXX. This is a dispute and a request to remove the past due status due from my credit report due to non-notification and awareness of a balance with Navient. 

I filed chapter XXXX bankruptcy in XXXX XXXX. At the time, my student loans were managed and owned by XXXX XXXX. I made several attempts to get a status of my loan with XXXX XXXX and was informed that my account was under a cease and desist because of the bankruptcy status and they could not release any information or speak to me regarding my student loan account. Under Chapter XXXX bankruptcy ( 5 years ) there was no notice or communication ( phone call, e-mail, letter ) received from XXXX XXXX regarding my student loan account. 

I sent in a previous dispute letter dated XXXX/XXXX/XXXX ( enclosed ) to Navient in which I received a notification that past due is valid and will not be removed. I am disputing the results of that investigation and would like for someone to take a look at the history of events for my account. I called customer service and spoke to a manager who informed me to write in again regarding the history and events so that my case can be reviewed again. 

History XXXX XXXX Filed Chapter XXXX bankruptcy XXXX XXXX Moved from XXXX XXXX XXXX XXXX, XXXX XXXX to XXXX ( enclosed Change of Address Confirmation ) XXXX XXXX Chapter XXXX bankruptcy discharged XXXX XXXX Navient sent letter of loan purchase to XXXXXXXX XXXX address ( I never received and I was no longer residing at that address. My primary phone number also changed ) XXXX XXXX I was contacted by Navient regarding my loan. I made a payment the same day and updated all contact information. 

Please be advised that when Navient assumed the loan from XXXX XXXX, I did NOT receive any communications regarding the sale. It is evident that any communications from Navient were being sent to an old address where I no longer resided ( letter enclosed ). During this time, I am still under the  assumption that XXXX XXXX is my loan provider. I was finally contacted by Navient in XXXX XXXX where I immediately updated all my contact information and made a payment that same day. I have also made my payments each month thereafter on time. As you can see below from my reported loan history, I have never missed a payment, even before I filed bankruptcy, so why would I do so between XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Incorrect information on my credit report involving my address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
I requested my free annual Credit report from TransUnion as I do every XXXX and they responded with a letter that I will have t pay for a 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 2020-12-21
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I believe a credit card account with Comenity-Wayfair ( XXXX ) was opened in fraud. I have contacted XXXX and Comenity fraud dept. with no help in the matter. 

I did open an account with XXXX-Wayfair but not Comenity-Wayfair. 

Please help me solve this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
Company: EQUIFAX, 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:
There was no sub category for this complaint so its probably miss classifieds. My complaint is against Equifax. I am filing this complaint just as additional evidence against Equifax in my lawsuit I am getting ready to bring against them. In the last few days I have had a collections account in the sum of {$800.00} to be removed from my credit report. My score increased significantly. Then today out of the blue it drops by 23 points. My score dropped today yet I had a collections debt removed from my credit report in the amount of {$800.00}. My credit usage decreased by 10 %. The total amount of my debts decrease by over {$100.00} and my score drops by 23 points. Equifax is once again retaliating against me because I exposed their lies and criminal activities. This complaint is purely to serve as evidence. I know the third part messenger service known as the CFPB will take no action against Equifax. Equifax is determined to make me rich. XXXX was sued a few years ago for the same reason I am suing Equifax and XXXX had to pay XXXX XXXX dollars to the plaintiff. Equifax continues to retaliate against me and violate my rights. There is no way my credit score can decreases by 23 points when a collections debt ( A fraudulent collections debt that Equifax knew was fraudulent yet chose to allow it to be posted on my credit report ) in the amount of {$800.00} was removed from my credit report and my credit usage decreased by 10 % and my debt decreased by over {$100.00}. This is just more retaliation by Equifax. I wills see them in court. They are determined to get sued and I will give them their wish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was trying to buy tickets off someone online. I used the XXXX  extension available through my XXXX  XXXX XXXX account to transfer the money to the person I was supposedly buying the tickets from. I sent the money and then, when trying to get the tickets, the person didnt send anything. I then requested that they sent the money back to me through XXXX  and they blocked me. I contacted my bank and they claimed that they cant do anything since its already processing. I sent a request through the XXXX  extension for the person to send me back my money and they never responded. I just really hoped the bank would do something about it, but they couldnt even though the transaction wasnt fully processed, it was still just processing.

Company response to consumer: Closed with explanation