BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I attempted to resolve the issue with this company via written communication as is my right via email. The company continued to ignore my requests and would only reply with " Call this number '' ( examples attached ). I notified XXXX XXXX & XXXX XXXX ( Third Party Debt Settlement Specialists ) on multiple occasions that I do not consent to my voice being recorded, and these individuals continued to insist on me calling their recorded line. They made no good faith effort to assist me with my issue. The issue at hand is the companies FCRA violations. I have no contract with this company. I never gave this company permission to utilize my consumer reports as is required pursuant to 15 USC 1681b ( a ) ( 2 ). I am aghast at this companies violative business practices. Not only does this company have no contract with me, they have no permission, but they are also reporting inconsistently on my consumer reports ( attached ). As a consumer, under the FCRA I am entitled to maximum accuracy on my consumer reports. This company has defamed my character, harmed my financial reputation, and is unwilling to work with me in good faith. Attached will be proof of not only my attempt to work with PRA Group, but also the federal violations. This alleged debt obligation has been on my consumer report for multiple years. I have been denied multiple extensions of credit because of this account. These denials are a direct result of this account being on my report illegally. As mentioned in 15 USC 1681n - any person ( company ) who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages. This company has a long history of abusive practices as can be seen by the complaints not only on the XXXX  but also the CFPB. The CFPB has taken action against Portfolio Recovery Associates in the past for the same exact thing that is happening to me currently. There is no excuse for their action as they have been in business for over 30 years and ignorance of the law is not an excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

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 2022-12-30
Company: EQUIFAX, 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:
Good morning, On XX/XX/2022 I submitted a complaint thru the CFPB portal regarding an incorrect item on my Equifax credit report. This item is a XXXX XXXX (? ) Bankruptcy that I cordially asked to be investigated and removed. I also asked for their method of investigation along with supporting documents of this investigation as proof. 
On XXXX, Equifax reported back with quote " In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : A NON DISCHARGED, OPEN OR DISMISSED XXXX  XXXX BANKRUPTCY REMAINS ON THE CREDIT FILE FOR XXXX YEARS FROM THE FILING. Public Record : Bankruptcy EQUIFAX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. Public Record : Bankruptcy EQUIFAX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. '' There are multiple reasons I am rebutting this conclusion... 
XXXX ) I asked in the initial complaint how the investigation was handled, supporting proof of documents from credit bureau or credit furnisher used for this conclusion, a response as soon as possible and for this incorrect item to be removed from my credit report. 
**in the response there is none of the above. 
XXXX ) I fail to believe they actually took the time to investigate this complaint due to the fact... The item I was disputing was in fact, a XXXX XXXX Bankruptcy yet in the response it quotes as " A NON DISCHARGED, OPEN OR DISMISSED XXXX  XXXX BANKRUPTCY REMAINS ON THE CREDIT FILE FOR XXXX YEARS FROM THE FILING. '' **This is in fact not a XXXX but XXXX that is showing as " correct '' on my report which EQUIFAX `` investigated ''. 
XXXX ) Finally, XXXX has no record of releasing any information to verify or dispute my claims since XX/XX/2022. 

I would like this item removed from my report and a correct report generated showing as deleted or just gone. 
This should not be a long investigation being as though Equifax only needs to show a document trail of the investigation and where the misguided information came from. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
The accounts listed below are incorrect and they are affecting my livelihood. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, 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:
In accordance with the fair crediting reporting act .The list accounts below has violated my Federal protected consumer rights to privacy and confidential under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX # # # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX U.S.C 681 section 602 A states I have the right to privacy 15 U.S.C 681 section 604 A section 2 It also states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1681 c ( 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 cost to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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:
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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-10-25
Company: CITIBANK, N.A.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hi, I am client of XXXXXXXX XXXX XXXXXXXX ( Headquarters ), XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. I have made request XXXXXXXX XXXX  to transfer {$11000.00} to my bank account in XXXX to CLOSED JOINT-STOCK COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX. This transfer was made XXXX XXXX XXXX. 
And still I havent my money. 
Corresponding bank for this transaction in CITIBANK NY. And as XXXXXXXX XXXX said CITIBANK NY block this transfer, because of sanction. But XXXX XXXX not in sunction list and i think it illigal. Also i be informed by XXXX that CITIBANK NY closed XXXX Corresponding account XXXX Afte that i reqvrsted geting back my mony to the sender bank but its had not happend yet.

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 2022-11-16
Company: Resurgent Capital Services L.P.
State: MO
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:
Resurgent is a collection company trying to collect XXXX from original creditor XXXX XXXX XXXX XXXX  dated XXXX XXXX, current owner is LVNV Funding LLC The debt was 21 years ago the statutes of limitations have run out. Suddenly Resurgent has decided to harass me for the money. Calling me and sending me collection letters. Please make them stop. They have no right. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: Shellpoint Partners, LLC
State: MS
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Due to XXXX XXXX XXXX paid my mortgage.I have delinquencies on my credit report due to XXXX XXXX gathering the necessary documents from Shell point mortgage to get the mortgage paid please remove this negative off my credit if possible and if any other information is needed please call me XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Transunion, XXXX, and XXXX each received false information from XXXX XXXX reporting our account as more than 30 days past due when it never was. The mistake was made due to massive computer issues at XXXX. We have been working to resolve this issue through all four companies since early XXXX. According to XXXX, they have removed it from all three reports. XXXX XXXX conference called with XXXX and confirmed that there are no longer any late marks. Transunion and XXXX are not changing my credit report in spite of being contacted by XXXX XXXX because they say they cant get the information from XXXX. 

Due to all of these problems as well as XXXX doing damage by making a hard pull without my permission, we are about to lose our home weve been building for 5 months because this is keeping us from getting our mortgage loan.

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 2022-12-07
Company: Helbing Law Group
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
My Helbing Law Group complaint XXXX of all, I started the program in hope to consolidate all my debts and those of my wife as well. all my debts were around {$11000.00} and they promised me to consolidate all my creditors debts settlements for {$7700.00}. and that i will have a quick settlement and i was very excited to get rid of my debts. since i started the program last year, i never miss a payment, i was always on time. I'm working hard to take care of my family as a part time worker. XXXX hit all my my incomes and I'm hustling to feed my family and take care of their education and medical bills. i already pay to Helbing law group a total amount of {$4000.00} in order fund my settlement, but i was badly surprised and frustrated when i verify my account and discover that they made only XXXX very small payments to creditors and none of my debt was paid off. they add another year to the program, thing that bring another problem that make make me very stressful and confused. Also when i calculate all the payments scheduled for program, i will end up paying another extra {$3300.00}. Now, i talked to some of my creditors and we agree on a very comprehensive and understandable payments plan which i started already. they said i can cancel at anytime but it seems they want me to continue the program. I'm tired, disappointed, confused and upset. i don't want anything from them now, i request only my money back, since creditors almost calls or emails me every single day. i really need to stop this and move on for helping my family for all their daily needs. i don't want no more being in this program i need an entire refund of what they did not pay to my creditors so i can take care all of my debts of by myself. 
Helbing Law group and equity sales me {$2300.00}. me for further information, just contact me by email or phone call. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I am a Natural, living person. I have rights under the 15 USC 1681. 

XXXX is governed by 15 USC 1681. And they have violated my rights numerous times. i demand the account listed below to be removed because According to 15 USC 1681 : I have the right to privacy and furnish, I did not give XXXX written permission to furnish these accounts. 

15 U.S.C. 1681 section 602 A. States I have right to Privacy. 

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not report 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. 


Accounts XXXX XXXX XXXX Account # XXXX Vt- XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX of XXXX card Account 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 explanation
Consumer complaint received 2023-01-29
Company: MoneyLion Inc.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I reported to the company about the potential problem and issue of the debt to be resolved and removed from credit inquiry the reporting has caused a negative value on credit by discrediting me and lowering my initial credit score in attempt to keep me bondage to their debt procedures I asked for it to be removed and resolved as a result to no discredit me and allow such negative derogatory remarks to keep me bondage

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: PA
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:
These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer.

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 2022-12-30
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and XXXX XXXX WONT EVEN ALLOW ME TO DISPUTE ONCE I LOG ON.. 

XXXX WONT EVEN ALLOW ME TO LOG IN OR RESET THE PASSWORD XXXX  I EVEN CALLED THEM TODAY AND THEY REFUSE TO CORRECT MY NAME AND ADDRESSES. 



MY NAME IS XXXX XXXX XXXX ( I HAVE NO XXXX XXXX.CORRECT MY NAME ) MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MY PHONE XXXX XXXX XXXX MY EMAIL XXXX ( i will only respond to email, no phone solicitations ) you are violating my rights with the false information. i am attaching all documents Drivers license, Birth Certificate, SSN, Passport.. my name needs to match my officail documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
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:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
The information is not accurate. The balance is wrong and I need it validated. I do not have that 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 2019-05-28
Company: Home Loan Center, 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
In XXXX I was considering refinancing a vehicle I have since paid off. I filled out the LendingTree online form to view LendingTree 's prospective offers for an auto refinance loan. An individual by the name of XXXX XXXX from a LendingTree partner, XXXX, contacted me on the morning of XX/XX/XXXX over texts. I was not interested to refinance at the time - I was just looking at prospective offers. I opted out explicitly over texts and told him I may refinance in 1.5 months, of which I have proof. Prior to reaching out, on XX/XX/XXXX he sent my application along with my Social Security XXXX to yet another company ( not a LendingTree partner ) called XXXX 's XXXX XXXX XXXX that pulled a hard credit inquiry on my file. I found this out very late on XX/XX/XXXX. I'd like to state this business has qualification requirements to meet to be able to even take a loan from them, found on this site : XXXX XXXX XXXX   XXXX XXXX. It is correct to assume I have no such qualifications. I have two issues : 1 ) if I do not recognize or know you as a business, do not touch my credit file, and 2 ) LendingTree 's false advertising on XXXX XXXX XXXX XXXX XXXX  " When you find a lender that meets your needs and is able to offer a competitive rate, contact that lender and get the refinancing process started. '' This statement is false because the refinance process was already started prior to the XXXX XXXX reaching out.

Company response to consumer: Closed with explanation