BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I spoke with an XXXX and XXXX XXXX and an operations manager who identified himself as XXXX XXXX, which is same voice and used different name? at Portfolio Recovery Associates. When I spoke to the representative I advised XXXX to not call me that I would like to place a verbal cease and desist and do not call me again. XXXX responded to me by telling me I have to send it in writing, he was extremely rude and condescending ( I have the call recordings in which I could prove it, plus they stated it is being recorded so they should be able to provide those recordings to me ) When I asked to speak with a supervisor I was transferred to XXXX XXXX who kept stating the same to me, was rude to me and terminated the call when I was not using profane language. I called back and that is when I asked to speak with a director and was transferred to XXXX. I kindly asked XXXX that I will like to not receive any calls and cease and desist my number and any other numbers listed, I verbally advised him to not call me he then stated I will need to submit that in writing other than that they will continue calling me. I asked if he would continue to harass me with calls after I requested to not call and manager responded yes collection calls will continue without Mini Miranda given. This representative/manager caused me to get extremely anxious and I am not having XXXX thanks to the rudeness and harassing condescending tone of these employees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: LEXISNEXIS
State: MA
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: Public record information inaccurate

Complaint:
LexisNexis has over 80 pages of information about me. They are reporting things going back over 20 years. I've called them many times to remove anything from inaccurate addresses to outdated information. The most recent would be they reported an " at fault accident '' on XX/XX/2022 in which I was not at fault. I was made aware when I was searching for auto insurance for my new car last week. I was quoted at rates being hundreds of dollars more than what I should be paying. If it wasn't for LexisNexis/XXXX reporting that untrue info I would have a descent rate. Is that normal to have over XXXX pages of info on just one person especially when most of it is false? I did call them today and they tried to say that they have me as " not at fault '' but why report anything about it? I believe they only said I'm not at fault because I called them and confronted them about it. XXXX XXXX was not the only insurer that told me this, XXXX told me as well. So I don't believe what they told me over the phone they are lying trying to protect themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/XXXX a collection account showed up on my credit report from the below company. I have no knowledge of this account. 

Account name PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Recent balance {$290.00} as of XX/XX/XXXX Status Collection account. {$290.00} past due as of XX/XX/XXXX. 
Date opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 have a loan with CAPITAL ONE, XXXX XXXX XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAPITAL ONE, XXXX XXXX XXXX XXXX, and XXXX  with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: CONTRACT RESOLVE GROUP LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The tactics of this agency are beyond deplorable. Their reps XXXX XXXX and XXXX XXXX have 1 ) Told us to send them a post dated check when we told them the funds were not in our account. 
2 ) Asked us the names of the clients and amounts we are waiting payment from in order to pay the debt. This is a violation of confidentiality. 
3 ) Have continued to harass us with phone call after phone call even when we have told them we are waiting for a check in order to pay this debt. 
4 ) Have threatened us repeatedly with lawsuits and so called " final straw '' warnings. 
5 ) Have made nasty, condescending and wholly unprofessional comments towards our staff. 
6 ) Misrepresenting information to our clients and vendors 7 ) Misrepresenting what our bookkeeper told them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX accordance with the Fair Credit Reporting act XXXX  ( U.s. Department of education ) Account # XXXX, ( U.s. Department of education ) Account # XXXX, ( U.s. Department of education ) Account # XXXX ( U.s. Department of education ) Account # XXXX ( U.s. Department of education ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ( U.s. BANKRUPTCY COURT Case # 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 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 2020-09-28
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: Account status incorrect

Complaint:
XXXX XXXX XXXX placed a Collections items of {$410.00} on my Credit Report dropping my Credit Score by 42 points in error. XXXX XXXX has pulled the account from XXXX XXXX XXXX as of XXXX. They didnt billed the correct Insurance company and balance is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am furious with equifax!!! I FAXED ON SEVERAL DIFFERENT DAYS MY REQUEST TO REMOVE FRAUDULENT INQUIRIES FROM MY CREDIT REPORT AND THEY REFUSED TO REMOVE THOSE INQUIRIES AFTER I SUBMITTED A COPY OF MY IDENTITY THEFT REPORT WITH ALL THE INQUIRIES LISTED. THEY REJECTED MY FTC REPORT BECAUSE IT DOESNT GIVE EXACT DATE AND IT ONY SAYS THE MONTH AND THE YEAR, ITS NOT MY FAULT THAT IDENTITYTHEFT.GOV ONLY ALLOWS YOU TO ENTER THE MONTH AND THE YEAR OF INQUIRY. HOW ELSE AM ISUPPOSED TO WRITE THE EXACT DATE, AND ALSO IF I HAVE MORE THEN 5 INQUIRIES AND IT ONLY ALLOWS ME TO ENTER 5, I WROTE THE REST IN MY PERSONAL STATEMENT AS ADVISED. PLEASE HELP IN REMOVING THESE FRAUDULENT INQUIRIES FROM MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT, AND MY INFORMATION WAS STOLEN AND USED TO TRY AND INQUIRE THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: ACIMA CREDIT, LLC
State: GA
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 have a loan with XXXX XXXX, XXXX CREDIT FKA XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, ACIMA CREDIT FKA SIMPL,  and XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I received my credit report earlier this year via ( XXXX and XXXX ). After reviewing it I realized the inaccuracies being reported under my personal information. After becoming aware of the inaccuracies, I sent a letter to XXXX, XXXX, and TransUnion to delete inaccurate names, numbers, and addresses with proof of my correct information ( My Driver 's License [ only correct name and address ] and Social Security Card ) that should be reported via certified mail. I sent the letter XX/XX/2022 and XXXX, TransUnion, XXXX they received the letter by or before XX/XX/2022. They received my letter and sent me my credit report on XX/XX/2022 ( Just XXXX ). However Upon further investigation little to nothing was changed. Last month, XX/XX/2022, 7 inaccurate names were being reported and as of XX/XX/2022 only one inaccurate name was deleted leaving 6 inaccurate names while not even reporting my correct name. 

The same thing was done with addresses. XX/XX/2022, 5 inaccurate addresses were being reported. As of XX/XX/2022, 3 of the addresses were deleted however they are still continuing to report 2 incorrect addresses. 

As Well as my DOB just being reflected as a year and not a month and date. ( just XXXX ) In Conjunction with that I have falsely placed accounts with Us Dept of Education and Bank Accounts that are not mine each Bureau choose to not delete these incorrect names and addresses and accounts because they are associated with debts that I have already disputed are not mine.

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 2015-08-28
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: UT
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a phone call from the " FBI '' ( hackers must 've changed their caller id because the phone number they called from matched my local FBI office XXXX. They knew my name, had all my information such as address, school, school email, phone number, etc. They stated that a federal complaint had been filed against me, etc. Used a lot of legal terms, basically stated I had failed to pay {$1800.00} for an education tax. Told me that the case was on its way to court, I had an arrest warrant out for me, cops would show up to my door if I failed to comply with their orders. Since I did not have {$1800.00}, they said I could pay whatever I have and do the rest in monthly installments. 

In a state of panic and having been uneducated about how fraud and scammers work, I listened them and drove to my nearby Walmart to wire {$900.00} over to them using Moneygram to somebody named XXXX XXXX in FLORIDA. 

They then had me email a picture of the receipt with reference number, my license, and a picture of myself to XXXXXXXXXXXX. 

By the time I had realized I was being scammed, it had been already too late. I hung up and proceeded to call my family member. They continued calling me back ( I assume to try and get my bank information so I could do monthly installments ). After I blocked the number, they proceeded calling through an " Unknown '' number and left me many voicemails, all of which were just silent noise. 

The caller was male, around 20-30 years old, and had an XXXX accent. He uses a lot of legal-sounding terms and speaks very seriously. He tries to stay on the line with you the whole time and guides you through the whole process. 

I have reported this to my local police office, case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: M&T BANK CORPORATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have got no resolve from MT bank yet, and they just keep sending that same letter over and over. Their statements and claims are false, and I have a copy of my statement showing I did have funds at the time my money was stolen! I stated I had no funds when asked, because it was the truth! I had called to check my balance and that 's when I found out my funds were stolen and my debit was missing from my wallet. When I call I do not enter my debit card number, I enter my account number because i know by memory and do n't have to reach for my wallet all the time. The letter they sent states false statements that I made! It 's crazy they are still denying me my stolen money, and especially that I have all the proof I had funds and more! I need and want my money back! They have ruined the holidays for me and my family, but I refuse have them deny me my stolen money! This bank is the worse, and the people working there even worse. They are not there to help you, but make things even more difficult on you, and getting your stolen funds back!

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 2016-12-14
Company: M&T BANK CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
M and T Bank- charged up to 3 times for insufficient funds for 1 description and anytime they feel like it, they manipulate your account so you will be charged added fees. money can be in my account and I will be pending for more than 3 days before they deduct my money.

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 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 have been disputing fraud items on my credit report since XX/XX/XXXX. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is signed and attached with an FTC and Identity Theft affidavit, yet the bureaus are still not taking any actions. These items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let this fraud inquiry affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. Not only have I not received any mail showing the verifiable proof needed to justify these items to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money with no end in sight and no results to show. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! THE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete these items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX RI XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2015-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
While checking my personal credit report, I noticed an Employers listed as XXXX and XXXX on TransUnion credit report. I have never been employed by these companies. I am requesting that TransUnion immediately remove the unknown names of Employers listed on my credit report. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to correctly identify me in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-08
Company: ALLY FINANCIAL INC.
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Ally bank and XXXX XXXX overcharged me on my interest rate because of me being XXXX and having a decent credit score and made me to believe that was the only interest rate that was available 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 2022-05-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: MA
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 have been disputing fraud items on my credit report since XX/XX/XXXX. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is signed and attached with an FTC and Identity Theft affidavit, yet the bureaus are still not taking any actions. These items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let this fraud inquiry affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. Not only have I not received any mail showing the verifiable proof needed to justify these items to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money with no end in sight and no results to show. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! THE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete these items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX RI XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions 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:
I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report : XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

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 2020-08-08
Company: Santander Consumer USA Holdings 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:
The vehicle was traded in XXXX and a payoff amount was sent to Santandar in the amount of {$14000.00} on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX. The pay off amount was incorrect and I was not notified until it was reported as 30 days late. The dealership was notified and sent in the remaining balance of {$39.00} on XX/XX/XXXX. I was not notified this occured until it was reported 30 days late to my credit on XX/XX/XXXX.

Company response to consumer: Closed with explanation