BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-26
Company: Associated Credit Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I keep getting mail like today XX/XX/2018 from a debt collection agency when i already told them i dont even owe this debt that i receive from a company called XXXX. I keep getting these mail from this company saying i owe XXXX dollars little outrages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: LEXISNEXIS
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed information with a third party reporting agency lexis nexis that was not able to verify or validate public records information. The company removed most of the unverified information in XXXX on my consumer report but not with the bureaus. As investigations continued none of the reported information could be verified and it was completely removed from my consumer report. The company has sent me proof of the removal but has not removed the information from the bureaus even after multiple disputes surpassing the 30 day investigation time. I have tried on numerous occasions to contact lexis nexis to get a resolution from the manual disputes they entered to the bureaus via electronic reporting but, always placed on a dead hold for an extended amount of time with no person on the line but call still intacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One has several hard inquiries on my credit report from XXXX and XXXX. I have never inquired for any type of loan with Capital One. Capital One is reporting a credit inquiry for a business that I was once a member of and not the primary gaurantor because the company was a XXXX. These inquiries for credit were not made by me. Also, Capital One is breaking the FCRA. Only personal requests for credit should be reported. The inquiry is for a business I no longer work for and do not own and it should be reported as a personal credit inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15
Company: EQUIFAX, INC.
State: NY
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:
The CRA is reporting false information about a XXXX Card account on my report. 
I have reached out several times and asked that they remove the incorrect information. 
I received a letter from XXXX saying that this debt has been canceled and the CRA still says they verified this account. 
How can you verify something that even the source says it is not true. Please remove XXXX account and Inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently requested my free annual credit report and became aware that I have multiple inquiries from unknown sources that I did not authorize. I would like these companies the remove these inquiries from my credit report. I will attach the inquiry page that includes a list of these companies.

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 2020-05-06
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX Credit Collection Service XXXX XXXX XXXX XXXX, MA XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$640.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Can you please help me to resolve this matter. Just found out on my consumer file that Equifax has furnished a Bankruptcy on my credit file. This was done without Permissible Purpose and has violated my right to privacy. I have contacted the Municiple Court and they have stated they did not share this information with Equifax or XXXX the company Equifax used to furnish the information, which was also done with out my permission. With this Bankruptcy being on my account I have lost personal funding opportunities for me and children to purchase a home. I have called XXXX XXXX and Equifax numerous times and emailed their CEO XXXX XXXX and XXXX XXXX. They refuse to do anything about it. They have me on hold for a long period of time and then hang up on me. Please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: ND
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 am very unhappy with the credit bureaus. They are not doing their job at all. Back in XXXX of this year I submitted disputes with them on collections that should not be on my reports. XXXX XXXX XXXXs past 7 years on both accounts. XXXX XXXX XXXX  XXXX should have never been on my report that was reported in total error, XXXX XXXX XXXX XXXX. I do not owe them any money since the place was already lease before I even move out.. I do not understand why this is XXXX and I still have not heard a word from any of the bureaus regrading these issues. The disputes I sent were very clear on what I wanted done and who they were what more do I have to do to get this resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: U.S. BANCORP
State: OH
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:
While my wife was shopping at a XXXX store, a girl approached her asking if she had interest in applying for a XXXX rewards credit card. My wife does not handle the finances and has little interest in how credit works and what effects credit scores. From what the girl described to her, my wife thought that I would be interested in the card. My wife asked if she could have information mailed to me about the card to see if I were interested. The girls said yes and asked for my personal information. Without my wife 's knowledge, she was applying me for the card. Not simply sending me information. Now I have a credit card I didn't want and a credit inquiry on my report that I really didn't want. I contacted US Bank, and they said they can close the account, but had no way to get the inquiry off my credit report. This is unacceptable as I did not authorize this inquiry and the girl at the XXXX store was extremely misleading to my wife. This is extremely predatory behavior to consumers who do not fully understand how credit reporting works and how credit applications effect your credit report. We are in the process of a mortgage application to buy a new home and this inquiry in the middle of that is the last thing in needed. I don't see how US Bank can not simply file a report with the credit bureaus undoing the credit inquiry. This predatory practice of baiting consumers with promises of " discounts '' without explaining the credit application process and how it can effect a consumer 's credit is extremely immoral. The fact that it wasn't made perfectly clear to my wife that she was applying me for a credit card resulting in a hard inquiry should be illegal.

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 2019-02-15
Company: U.S. Auto Sales Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
US Auto Sales Inc. has multiple hard inquiries reported. There should only be one hard inquiry reported and that is for XX/XX/2017. I did not ask the lender for multiple lines of credit and the lender is in violation of the FCRA. I ask that the lender correct the number of inquiries and remove the other inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
In XX/XX/2018 I earned a {$25.00} XXXX gift card. Ive been calling and submitted emails even talked to reps. Its been over five months and still not  received.

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 2020-05-06
Company: ERC
State: OR
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 check my credit scores frequently via XXXX XXXX and noticed a few days ago a significant drop on my XXXX score - +30 points drop. I filed a complaint with XXXX and quickly got a reply that the {$59.00} dollar amount with a Florida collections agency representing XXXX was erroneous and was supposed removed. 

I'm checking my scores now and the drop is still on my XXXX report. 

This erroneous " collection '' has damaged my credit for NO REASON. 

What recourse do I have? 

Current File File Number : XXXX Report Date : XX/XX/2020 Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Thanks! XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I disputed these accounts on my report because they were inaccurate. I sent out a letter on XX/XX/2021 and it's been 60 days!!!! Since I've received a response. I sent out another letter XXXX CERTIFIED and I still haven't received a response. You are in direct violation of the fair credit reporting act and these accounts must be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Prosper Marketplace, 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: Old information reappears or never goes away

Complaint:
OnXX/XX/XXXX, I discovered credit item Prosper Marketplace account number XXXX had been re-inserted into my credit file. I disputed the tradeline with XXXX and on XX/XX/XXXX, the tradeline came back Verified as Accurate. Per the FCRA, XXXX is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. As evidenced by my report datedXX/XX/XXXX, the Date Closed states XX/XX/XXXX and the estimated removal date states XX/XX/XXXX As evidenced by my report dated XX/XX/XXXX, the Prosper Marketplace tradeline is no longer listed. Now according to my report datedXX/XX/XXXX, the tradeline is listed with a Date Closed of XXXX/XXXX/XXXX and estimated removal date of XXXX. This item has resurfaced after the FCRA reporting period has expired so this item must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX has multiple hard inquiries reported. There should only be one hard inquiry reported and that is for XX/XX/2017. I did not ask the lender for multiple lines of credit and the lender is in violation of the FCRA. I ask that the lender correct the number of inquiries and remove the other inquiries that do not belong to 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 2019-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
As I've gone through the accounts that are displayed on my credit I've noticed unusual activity and an ample closed accounts that aren't. Please remove these items from my credit report immediately, for they are items of identity theft, they do not belong to 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 2021-04-08
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
I obtained credit reports from the " big three '' reporting agencies only to find fictitious, wrong and many unauthorized " hard request '' from companies I haven't made inquiries to for credit and or connecting services. 

These hard inquiries have caused my credit score ( s ) to decline many % points despite my attempts to restore my worthiness given some hardships due to a repossession with XXXX XXXX  -- XXXX once they sold my and my husbands account. 

I am submitting hard copies of reports received via my online request to the credit bureaus, one of which is unable to present it online due to my inability to answer the identifying matches be they didn't match me and my past residence, family, etc. as needed. I also noticed a false social security number I have never used, on one report as well. 

Agencies, it appears have been given the green light to misuse federal funding 's be it in hiring management salaries, or other maneuvers to cause irreparable harm to again XXXX consumers and/or XXXX  XXXX consumers as if the scenario puts me in the face of whom I'm seeking credit with and that credit is denied or more capital is usually needed, then what other claim can I make and assume given my only identity since birth has been XXXX american. I'm not seeking XXXX additional creditors if I'm denied by the first XXXX or so.

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 2017-12-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Portfolio Recovery has sent me a notice to collect a debt in the amount of {$1400.00} This collection agency is not licensed for business in Michigan, nor are they registered with the Michigan Secretary of State ; therefore can not attempt to collect any debt in Michigan. Please remove this account from my credit reports immediately. Also, they have attempted to garnish wages without successfully validating that this debt is even mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX has multiple hard inquiries reported. There should only be one hard inquiry reported and that is for XX/XX/2017. I did not ask the lender for multiple lines of credit and the lender is in violation of the FCRA. I ask that the lender correct the number of inquiries and remove the other inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: William D. Meeker Enterprises, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear XXXX XXXX XXXX XXXX. 

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX XXXX. 
Made on : XX/XX/2017 and XX/XX/2017 Made with : XXXX, XXXX, XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
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:
XXXX XXXX loans from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX were on forbearance and not late payments. Ive disputed this multiple times with Experian with the same results on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have provided accurate and sufficient proof from XXXX XXXX that these loans were in fact on forbearance. This issue has not been solved.

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