BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-03
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are grossly inaccurate items on my credit file. Equifax has had more than 30 days to correct these inaccurate items or at least verify and show me proof neither of those things have happened. This is an attempt to correct my credit report through my own due diligence. Please do not respond and say this is not me, I am recording all correspondence and will use these stall tactics in small claims they do not comply with the law. Attached is a letter to explain and prove the inaccuracies and my identification to prove who I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: NRA Group, LLC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a debt collection notice from National Recovery Agency It states that I owe XXXX XXXX Idaho XXXX. I contacted them about this and ask, Who in XXXX XXXX? they told me by law they could n't tell me. I went to the XXXX XXXX Court House Clerks office and they knew nothing about this. I went to the Attorney Generals office ( scam division ) they knew nothing. They did tell me that by law they have to tell me who they are collection for. I called the National Recovery Agency back and advised them on what I had done, and that by law they were obligated to tell me, they refused. I explained to them that XXXX XXXX has over a million people and hundreds of businesses, that I 'm not going to make out a check to you for XXXX without knowing who or why. They still refused. I sent them a certified letter stating this ( for about the 10th time. I also let them know that if this shows up on my credit report I will turn this over to my Attorney and file a complaint with the Attorney Generals office which I did as the put on my credit ( XXXX ) I contacted XXXX and explained the situation and they took it off my credit report immediately. I do n't mind paying if I owe, but to how?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Date Updated : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$5300.00} XXXX XXXXXXXX Balance Owed : {$3600.00}

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 2017-02-28
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland MCM collection Agency illegally put me in collections over a XXXX secured credit card that I had taken care of and I them and MIDLAND and XXXX several times over last few years and at MIDLAND and XXXX refused to even show me proof of debt, or acknowledge me. After many many many attempts of contacting XXXX as well to remove both companies, XXXX finally sent a strong letter to MIDLAND and XXXX, and they removed themselves. I am enclosing two letters here from MIDLAND, one in XX/XX/XXXX where they told me they refused to help me, and one in XX/XX/XXXX where they finally conceded. I have contacted both companies through consumerfinance.gov. This is unresolved and until it is resolved to my satisfaction, it remains an illegal crime of FCRA regulations broken as well as causing severe damage to my credit impacting my financial life and livilhood. XXXX sent me a letter recently and in it they proceed to state that I canceled my XXXX card near end of XX/XX/XXXX, when I actually did i XX/XX/XXXX due to a mistake XXXX made in a payment process, I have a witness to this, but also XXXX and MIDLAND should be ashamed of themselves and should be fined by the FTC for I had a XXXX secured card, and I had a {$200.00} deposit. When I canceled the card, I owed nothing, but even if I did, XXXX kept my card open for well over 6 months charging outrageous fees and interest rates and MIDLAND in taking this debt from a creditor who not only put a false claim in general, but hiked up a {$300.00} secured credit card with a {$200.00} deposit, and claimed I owed over {$900.00}. Both companies should be ashamed of themselves. It is my right to get paid for their crimes and I will not rest until it is done, as I went out of my way for a long time to work with them and let them know they were wrong, but they refused to even acknowledge I was alive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: OH
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 disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/XXXX I files a Complaint # XXXX with CFPB against Experian for incorrectly reporting an alleged Bankruptcy Case # XXXX ( XXXX ) dated XX/XX/XXXX on my personal credit report. Experian has responded back with false information verified being false by the attached document provided directly by the 3rd Party vendor, XXXX, that they use to provide them with the reported information as the US Bankruptcy Court does not report nor verify directly any Bankruptcy proceedings. On the same dated I also filed Complaint # XXXX against XXXX for them supplying that information as the 3rd Party vendor to Experian. Experian responded back claiming that they verified the Bankruptcy information as correct with XXXX. However as documentation directly from XXXX dated XX/XX/XXXX clearly states they removed the incorrect reporting of Bankruptcy # XXXX from their files related to me and verified that they are no longer showing any bankruptcy in my name.

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 2020-04-03
Company: Experian Information Solutions Inc.
State: OH
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:
THIS IS NOT A DUPLICATE My initial complaint was not taken seriously as I was sent a generic response and no follow up before complaint was closed. 

This complaint is regarding the $ 200+ bill from XXXX XXXX XXXX the XXXX XXXX Ohio address on XXXX XXXX XXXX XXXX in 2018. This was an apartment complex I was living in up until XX/XX/2018. My complaint is not that it's a fraudulent bill, but rather that I never received the bill or collections notices at the correct forwarding address. After speaking to both XXXX XXXX and the XXXX XXXX XXXX, they confirmed that they were both sent to the same inaccurate forwarding address. XXXX and XXXX XXXX sent the final bill to XXXX XXXX XXXX XXXX OH XXXX. This was NOT the correct forwarding address, I never received the mail/notices, and I have documentation proving I was not living at this address at this time, or ever. 
My complaint is NOT that XXXX should not bill me for the mistakes of the property management company, but rather that they should have mailed the final bill to the correct address so I could have resolved it and gotten it paid before it hitting collections. I was never given the opportunity to pay the bill or take care of the collections notice, and my credit report is being punished..

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 2016-01-22
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX/XXXX/XXXX I responded to a final notice from advocate health care by phone and talked to XXXX at XXXX and asked for a payment plan of XXXX month paid bi-weekly XXXX told me she would have to refer the matter to management and would call me back with an answer.I never received a call so i sent a XXXX payment via : money order # XXXX on XXXX/XXXX/XXXX I called again on XXXX/XXXX/XXXX and talked to XXXX at XXXX who said was sent a letter agreeing to payments of XXXX bi-weekly and informed me my account was sent to collections and could not be returned.I complained I was never called as promised or told to look for the decision in the mail. XXXX transferred me to XXXX where i spoke with XXXX who told me I made a payment on XXXX/XXXX/XXXX and the account was sent to collections on XXXX/XXXX/XXXX I informed her my money order dated XXXX/XXXX/XXXX was mailed on the same day XXXX/XXXX/XXXX. XXXX informed me she would send a email to the in house self pay unit who would contact me in XXXX hours this was XXXX on XXXX/XXXX/XXXX. Today, XXXX/XXXX/XXXX I received a letter from a collection agency dated XXXX/XXXX/XXXX with a threat to seek judgement from me for the full balance not minus my XXXX payment. I went through my mail and found a payment arrangement letter from XXXX dated XXXX/XXXX/XXXX that demands a minimum payment of XXXX not the XXXX bi-weekly payment i asked for.I still have not heard back from the " in house '' self pay department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: MN
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 is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Experian has kept reporting the disputed accounts saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed accounts. If they unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts corrected PRONTO : XXXX XXXX XXXX XXXX .... Date Opened XX/XX/2019 Balance $  XXXX-Late/Open Late dates XXXX, XXXX XXXX XXXX XXXX .... Date Opened XX/XX/2019 Balance $ XXXXLate/Open Late dates XXXX, XXXX XXXX XXXX XXXX .... Date Opened XX/XX/2019 Balance $ XXXXLate/Open Late dates XXXX, XXXX XXXX XXXX XXXX .... Date Opened XX/XX/2019 XXXX $ XXXXLate/Closed Late dates 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 2016-08-30
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX : Salesman XXXX XXXX advised me that I could pay half at start, half at completion of services. Never showed me any paperwork saying he was going to send my info in for a loan. I wanted to pay this was because I 'd had a bad experience with another company prior, and was just trying to be smart. Told him that I 'd pay the entire amount up front, that I was just trying to be smart about it. He assured me that I would never have any payments to make, and not to even pay him. Pay the technician in a week the first half, and the rest upon completion. The only thing I saw to sign was on an electronic tablet with only a space for my signature. He then, that very day, without my permission, submitted my info to their finance XXXX XXXX for a loan. This put a hard inquiry on my credit report which negatively affects it. I paid XXXX the full amount immediately, and never dealt with the loan company. What the salesman did was fraud. That was3 months ago, and as of this posting, they still wo n't contact Equifax to have the inquiry removed. Be very careful when dealing with this company. 
XXXX HAS REQUESTED THE HARD INQUIRY BE REMOVED FROM MY CREDIT REPORT, BUT EQUIFAX WO N'T DO IT. I ATTACHED THE REQUEST FROM XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance With the fair credit reporting Act XXXX Account # XXXX XXXX has violated my rights. 

15. U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2015-05-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been disputing a charged off account on my credit report with all XXXX agencies. It is my understanding according to NY state law that the debit should be removed after XXXX years. It has been XXXX months shy of XXXX years and I can not seem to get this removed from my credit reports. It is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The account number is XXXX. I am a single mom going to college working XXXX and wanting to purchase a home as soon as this is off my credit report. If you could help me that would be great. I have done research and NY law states XXXX years. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I was contacted by a USAA Customer service rep indicating that I had a fraudulent transaction made in Kentucky which I stated I did not complete. During this call, they sent a text to validate my account. At this time, my account was taken over by the XXXX on the line. The fraudster then made an unauthorized transfer to my account which later returned for insufficient funds on XX/XX/2022. 

Once the call was ended with what I thought was the USAA customer service member I received an email indicating I had completed a Wire Transfer for {$9900.00}. At that time I called USAA to file a claim stating my account was taken over I was scammed and I have no access to my online banking account as the Fraudsters had changed my account log in. 

I called USAA on XX/XX/2022 to get a status on my claim but they stated it was under investigation and I would receive a call back, they stated that it will be three more days but I never received a call back. On XXXXXXXX XXXX i called back and they dept had already left for the day. 

On XX/XX/2022, I called for another status check and discovered that they have not opened a claim for my fraudulent wire transaction that I had filed a claim for on XX/XX/2022. So on XX/XX/2022, the claim was opened and a recall of the funds was attempted ( XXXX weeks after I reported ). 

USAA has violated regulations and procedures according Regulation J. 

Today ( XX/XX/2022 ), I was told I would receive a call back from the Fraud Team. When they called me back they could not provide a status but it was " under investigation '' and that another fraud team member would be calling me back since they could not provide any details to my claims. Again, I called in and requested a call back from the Fraud Team, when they called me they then said they would need to put in a request for the Fraud Team to place ANOTHER call back. 

USAA has dropped the ball a few times here and I'm at a loss of how to recover the {$9900.00} that was transferred out of the account when it was taken over. USAA reps continue to pass me around and never provide details just that a call back will be made but I have lost confidence. 

Thank you! You are my last resort.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company is Portfolio Recovery. Calls every day 3 to 4x times daily. I have blocked them but they still keep calling. Sometimes with different number.

Company response to consumer: Closed with non-monetary relief