BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: Possible Financial 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation. 

XXXX XXXX XXXX XXXX was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation. 

XXXX XXXXXXXX was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: V and H Portfolio
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation. 

XXXX XXXX XXXX XXXX was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation. 

XXXX XXXXXXXX was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have previously complained about Portfolio recovery ( hereinafter PR ) and the complaint was closed and nothing was resolved. Complaint # XXXX as well as complaint # XXXX. PR has been negatively reporting to the credit reporting agencies causing my XXXX XXXX to drop significantly. I have requested validation of the alleged debt and PR has NOT issued proper validation of this alleged debt, contrary I have come to find out they had a claim against me in court. 
Furthermore, PR never sent me any first communication, yet in PR response to my dispute with the credit reporting agencies, PR sent me a " copy '' of a sold letter that allegedly was sent from XXXXXXXX XXXX. I have requested PR on several occasions including via email a copy of the alleged contract between XXXX and PR. and copy of the forward flow agreement. The invoice for how much they bought this alleged debt. All statements and documents provided to them by XXXX that made them believe this alleged debt was valid. Along with the statements as what they sent me was incomplete. I need someone's assistance with this company. PR does not care about consumers ' rights and they are just getting away with making consumers ' lives more complicated and stressed and causing the extension of credit difficult. 

Not only is PR in violation of several federal laws that protect me the consumer, but also PR has engaged in identity theft by reporting to the credit reporting agencies without prior authorization from I the consumer, and forging a fake contract. I have never contracted with PR nor given PR any permission or authorization to have use of my personal identifying and private information, let along make negative remarks on a public medium such as a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX2022| sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: PA
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, XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX 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 2022-09-27
Company: EQUIFAX, INC.
State: PA
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. 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 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, 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 2022-09-27
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
I purchased a washing machine from XXXX on XX/XX/2022 for {$860.00}. When the washing machine was delivered, it did not work and was displaying an error code that told me to call XXXX. XXXX sent out a technician from XXXX XXXX ( requested on XX/XX/XXXX ; tech came on XX/XX/2022 ). When the technician came, they determined that the entire motor of the washing machine, as well as the harness was broken. 

The technician said they would need to order parts and return to fix it. 
On the XXXX, XXXX called me to offer a refund and I said yes. I was supposed to receive an email and send a receipt ( which I did ) and then the refund would be processed, and they would contact me about getting the washer back. I sent the receipt/invoice to the email and confirmed I wanted to be refunded for the broken washing machine. 

I sent the invoice as requested on XX/XX/XXXX, but was never refunded. I anticipated this would happen given my terrible experiences with XXXX, I disputed the charge through Capital One on XX/XX/2022. Capital, one received a letter from XXXX, lying that the washer was not broken. 

Now Capital One has put the balance as owed back on my account even though they claim that the case has not resolved. They are now requiring me to pay the disputed balance. They have requested additional documentation from me, including a letter from a third-party business ; essentially forcing me to do the investigation for the dispute myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
To whom it may concern, I have excellent credit, and never had a banking issue in over 30 years of banking. I have a perfect banking record. I have been with the same credit union for over thirty years. My problems began when I opened a new banking account with Bank of America. The next I know Bank of America closed my checking and savings account and would not give me a reason why. I had {$5700.00} in my checking account and {$1000.00} in my savings account. In addition, they reported me to the XXXX XXXX and XXXX XXXX XXXX. I called them several times for an explanation. They stated they do not need to give me one. I stated I want my hard-earned money returned. They stated they would send two cashier 's checks, one for my saving 's account and one for my checking account. They stated the checks would be there in 10 days upon the closing of my accounts, which occurred on XXXX/XXXX/2022. I have not received those checks. I called Bank of America again about my money. They changed their story, and are now saying my money is under review, with no time line for when they would be done with the review or returning my money. This incident has been very unfair, and has made me loose trust in the " big Bank '' banking system. 
I hope you can help? 
Sincerely, 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 monetary relief
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: MO
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions 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, The following accounts XXXX XXXX XXXX XXXX ; account # XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  ; account # XXXX, has violated my rights. 

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 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 2022-12-09
Company: Stenger & Stenger, P.C
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Stenger & Stenger contacted me via mail regarding a debt that I do not owe. I called their office demanding the following : -copy of the original signed contract - payment history from the original creditor -name & address of the original creditor -Proof of debt ownership.

I have not heard anything from this company regarding my requested items, yet they are demanding compensation. The correspondence reflects that there are two collection agencies ( one being S & S ) trying to collect a debt that I do not owe. Please provide proof of this alleged debt owed or delete this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: GVA Holdings, LLC
State: RI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was reading that payday loans can't charge more tan XXXX  % on a loan in XXXX  XXXX, but I was charged XXXX  % XXXX on a loan and received more than XXXX. I want to know if it's legal to charge so much interest. On a XXXX loan I paid back close to XXXX or more within 3 months. I go to try and find my loan documents, they aren't available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: JPMORGAN CHASE & CO.
State: MT
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:
On XX/XX/2022 I made a purchase on an online apparel site, XXXX XXXX XXXX, for {$35.00}. I paid for the order using my Chase Freedom Flex credit card. Immediately after I made the purchase I needed to change details of the order so I contacted the company to cancel the order. The company confirmed via email that the order was cancelled on XX/XX/XXXX, the same day. I never received a refund for the cancelled order. I attempted for several weeks to contact the company about refunding the money, but I received no response. I filed a claim with Chase Bank about the fraudulent charge, and provided the email chains showing my attempts to work with the business, as well as details about the company 's return policy. Chase closed my dispute with no resolution and no written communication to me. After I contacted Chase, they confirmed that they did not investigate my dispute and closed it, but they were kind enough to reopen it. I asked them if they needed any additional documentation from me in order to process the refund, and they confirmed that they did not need anything else from me. Recently, my dispute was closed again with no written communication to me. I contacted Chase 's customer support and they again informed me that they did not investigate my dispute, did not settle on a resolution for my dispute, and closed my dispute again because it was old. I informed them of the legal obligation they had to investigate my dispute and insisted that they reopen my dispute, but they refused. I informed them that I would report them to the CFPB if they would not investigate my dispute, and they did not seem to care about that either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: GA
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:
I purchased this vehicle on XX/XX/2022. I have never been late. XXXX XXXX has me down as XXXX XXXX instead of sending in the payment monthly. I have never been more than thirty days late. I received an XXXX for XXXX and XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: MS
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  Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX BANKRUPTCY REF XXXX XXXXXXXX, XXXX  XXXX BANKRUPTCY REF XXXX XXXXXXXX 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 2022-12-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2021-09-13
Company: John C. Heath, Attorney at Law, PLLC
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I personally believe I am being taking advantage of by charging me {$120.00} each month for removing negatives items from my credit report. My FICO Score with all three credit bureaus : XXXX FICO Score still remain at XXXX, XXXX FICO Score Still Remain at XXXX, and also XXXX FICO Score remain at XXXX. I have been client of LexingtonLaw sense XX/XX/XXXX through XXXX. They are not being honest with me.

Company response to consumer: Closed with explanation