BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: EQUIFAX, 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: 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 XXXX 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 mXXXX XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Two unauthorized XXXX transaction/transfers were taken from our account in the amount of {$250.00} each on XX/XX/XXXX. 
Someone from XXXX marketplace offered to buy our XXXX that was posted for sale via XXXX. XXXX sent an email message acknowledging a deposit into our account and instead took unauthorized funds. The fact that PNC owns part of XXXX and PNC nor XXXX have responded to our complaints ( 2 to each ) nor offering any assistance in getting scammed money back. 
The company hast to know where the money went and they could get it back since it was an unauthorized in complete transaction. 
I now understand that this is a common practice. However, PNC markets this as the safest way to transfer money. Unacceptable. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Experian Information Solutions Inc.
State: VA
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: Problem with personal statement of dispute

Complaint:
Experian.com has tried billing me {$4.00} & {$24.00} respectively to fix their investigation in an attempt at retaliating against consumer in regards to a XXXX data hack XXXX, XXXX XXXX Experian have modified credit reports & reported inaccurately for 6 months my credit score & BALANCES - My score was over 720 in XXXX & several lenders are not reporting on time or accurately

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 2022-12-06
Company: CORELOGIC INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dating back to XX/XX/2022, multiple inquires are on my credit report from sources i never applied to/ through. I am unable to contact these companies to get these inquiries removed, and the 3 major credit reporting agencies has requested a fraud letter. No loan was taken from most of these inquires it appears like. Totaling 45 inquires dating back to XX/XX/2022 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

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 2022-07-29
Company: Aargon Agency, Inc.
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: Investigation took more than 30 days

Complaint:
Aargon agency I have requested validation of debt, itemized receipt, and requested to cease any reporting until the debt is verified by me. I have sent 2 letters in the course of 3 months. I have received NOTHING from Aargon agency. Therefore, the debt is invalid. I called Aargon agency and explained this, he refused to delete the collection or acknowledge the two debt verification requests.

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 2022-09-28
Company: Grain Technology, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have been trying to request a payment link from Grain, once on XX/XX/XXXX and again on XXXX, to prevent any late payments from being reported to the credit bureaus. As I have previously experienced on several other occasions, I have not received any response back from either email and now my account is past due. The turnaround time for this company 's response is the worst I have ever seen and no one is ever available to answer phone calls. My credit payment history is now jeopardized as I am not able to log into my account or make a payment. On XX/XX/XXXX I received an email notification that they will auto draft the payment from my account, but that never happened and I am not able to log into my account. They are requesting that I provide PII ( Personally Identifiable Information ) via email which I am highly concerned with doing especially with a company that does not answer phone calls or respond promptly to service desk tickets. I am requesting that you pause any credit reporting until I am able to regain access to my account and remove any negative remarks. Additionally, I am requesting the required steps to regain access to my account as I have submitted the requested documentation with no response from Grain Technology and I am still locked out of my account. There are numerous complaints with the XXXX XXXX XXXX  regarding similar issues with many other individuals. This company is making it difficult to to stay current on my account as they have prevented access to my account and do not respond to email or support tickets. Their phone number is an endless loop so you are never able to get a response from a human or a timely reply to support tickets. They claim to offer a payment link on request, but I am not even able to get that because they do not respond to support ticket requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello, I opened my checking account with US bank on XX/XX/2022 at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX with XXXX XXXX. 
Since that day I been having trouble to access to the online banking, I already have my user ID and Password but the system doesnt allow me to access. 
I sent several emails to XXXX, and on the last email I was requested to go to te branch, situation that is impossible because Im in Florida right now until next year, there are no branches here.

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 2022-07-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After several attempts to correct this issue the company still will not remove from my credit. The debt was a third party collection debt. I have no knowledge of this account. I never opened this XXXX of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Account Recovery Specialists, Inc.
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
Had verbal agreement with ARSI to make payments monthly with the understanding that the monthly payment would be shared with all accounts. By using ARSI website payments were entered and selected on all accounts. After further notice the website of ARSI did not distribute payments to all accounts as indicated on website. The company only selected a few accounts and paid limited accounts in order to gather more interest on accounts. Even some accounts were paid in full but still had a balance due to interest. This tactic seems to put myself in a revolving account by only paying interest and not disclosing this information to myself with the verbal agreement that ARSI had with myself that all any payments would be distributed evenly to all accounts. No written notice was given to me with negatively affected accounts that were reported to credit bureau after ARSI showed balance on certain accounts were not being payed. ARSI did not all myself to dispute any unpaid accounts because I was not properly notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX, 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 2022-09-28
Company: ID Analytics, 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:
I have asked for PROOF of " validation of a XXXX  XXXX bankruptcy I keep being told that it has been verified, yet I have failed to receive any PROOF. My rights are being violated per 15 UCS 1681b -Permissible purpose of consumer reports it states " in accordance with thw written instruction of the consumer to whom it relates ''. I have never provided any type of written instructions with my WET signature for this to report. You are furnishing a consumer report without the consumers consent. You all are disclosing PRIVATE information such as name address, social security number, etc. This is violation of 42 USC Sec. 408 The ONLY " Bureau '' is the CFPB per 15USC 1602 Per law you " XXXX and XXXX and any other third party reporting agency '' is considered an AGENCY I have not given you permission to furnish nor report a bankruptcy violating my privacy. Per FCRA I have the right to have inaccurate, incomplete or unverifiable information deleted by a CRA. You all are putting me at risk for identity theft by displaying my PERSONAL info that I did NOT authorize with my WET signature. Again NO COURT in AMERICA reports this info to you. You STOLE it from a database that I didn't authorize you to report on my behalf, putting me at risk. These are only a few laws that have been violated. I will also be reporting this to the Attorney General, FTC, and the FCRA. I also have my evidence that I have tried on multiple occasions to rectify this problem with you. With them I will be stating EACH law that has been violated and seeking damages per each violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Fidelity National Information Services, Inc. (FNIS)
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:
XXXX XXXX hello my name is XXXX XXXX XX/XX/XXXX I just received a letter in the mail from Chex systems stating that I owe XXXX bank {$4100.00} unpaid and have humiliated me when applying for XXXX banks and being denied this is truly defamation. just got off the phone with XXXX bank XXXX they said they don't have a transaction record showing me withdrawling a dime out of a check deposit of {$4100.00}, but is listed as account abuse and unpaid I need to be compensated for the humiliation and denials and traveling to and from banks getting denied I can't even co-sign for my XXXX son Please help I'm asking this be removed from my Chex systems report Sec. 623. ( A ) Reporting information with actual knowledge of errors.A person shall not furnish any information relating to a 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 2022-12-11
Company: Experian Information Solutions Inc.
State: CA
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 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 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 explanation
Consumer complaint received 2022-08-23
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
A credit inquiry from XX/XX/2021 of attempting to open a credit card line with my bank will not remove the inquiry from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: CL Holdings LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My claim concerns Jefferson Capital Systems ( debt buyer ) attempting to collect on an account which is disputed by myself under general principles as outlined in the FCRA. 
I have disputed this account with XXXX, XXXX and XXXX, and the company stamps the dispute as having been deemed accurate days later, with no proof whatsoever, no investigation, no documents, nothing but the false statement that they have met the guidelines for accuracy in disputing as presented in the Fair Debt Collection Practices Act. 

Jefferson Capital Systems has violated my rights in this regard, and I wish for this agency to intervene and mediate this matter, make this complaint public so that others may learn from it and so that it becomes part of the public record against Jefferson Capital Systems violation of consumer rights. 

I authorize this agency to review all my credit bureaus, to verify the claims outlined, where multiple disputes have been presented, including date and time, and when they have been returned as accurate ( date and time ) without the requested information. 

Also, since I dispute this as not mine, I ask that this agency mediate the matter of mandating an investigation and removal of this error collection, so far as it is able under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt collection is named XXXX XXXX from XXXX. They have called me repeatedly asking for me to pay a debt collection of around {$2100.00} for an apartment lease in XXXX XXXX. They event sent me an " application '' of the apartment lease with information filled. 

These XXXX  can't realize that the name DOES NOT MATCH MY NAME. The person submitted a SS of XXXX. They listed their mother as XXXX XXXX. 

I have a real SS and my mother IS NOT XXXX XXXX. I HAVE ALSO NEVER EVER LIVED IN XXXX XXXX AT ANY POINT IN MY LIFE. I have always lived in XXXX  and I have submitted proof of residency. I have told these XXXX  that my name is NOT the name listed on the application. My debt collection inquiry was eventually removed, but now it is BACK. This is incredibly frustrating, and continues to erode my credit score. Again, this IS NOT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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: Account information incorrect

Complaint:
This item XXXX XXXX account is inaccurate because there are reporting late payments when I actually the paid on time for that account. 

Late payments were report for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to Equifax. I made payment to Badcock on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I call W.S. Badcock in XX/XX/XXXX when I first noticed the errors on my account and the company made corrections on my account to show the payments was received and the account was current. The corrections can be seen on the XX/XX/XXXX to XX/XX/XXXX statement along with the past date amount is {$0.00}. This is the second time this company report inaccurate on my credit report. I file a dispute with EQUIFAX ON XX/XX/XXXX Confirmation number : XXXX and on XX/XX/XXXX Confirmation number : XXXX. Equifax failed to remove the inaccurate late payment report on my account. I have filed a third dispute on XX/XX/XXXX Confirmation number : XXXX. EQUIFAX failed to remove or correct the inaccurate on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: OPORTUN FINANCIAL CORPORATION
State: NY
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:
This company has reported information that was not correct they have misused my credit report on all credit bureaus they have ruined my credit, per the law you have to send a validation of debt, also a fraudulent affidavit and I have yet to receive that information and this company has violated all laws and regulations, In accordance with the fair credit Reporting act OPORTUN/ XXXXK # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an + open end consumer credit plan as late for purpose. This company had broken all the laws they have reported information on my credit bureaus 2 times this month and its totally unacceptable and my Attorney has told me all my rights have been broken I have been deceived by this company has called my phone numerous a times Also this company is reporting on my Credit Bureaus that this is Auto Financing how is that possible one minute they say its a credit card now they are saying its a Auto this cant be right, they are reporting fraudulent information

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: Kohn Law Firm S.C.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Kohn Law Firm, S.C. ( XXXX XXXX XXXX ) called my place of work asking to speak with me or my wife. When I spoke with them on the phone, they insisted that they needed my social security number and birth date before they could tell me anything. That sounded like a scam so I did n't provide the information. Now they have sent at least XXXX letters to my place of work trying to garnish my wages. The letters make clear that I am not even the person they are looking for ( different middle name and different social security number ). So they are trying to collect a debt I do n't owe, have improperly contacted a third party ( my employer and me in regard to the person whose debt it actually is ), improperly sharing the social security number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26
Company: Phoenix Financial Services LLC
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:
The item showing on my credit report is greatly affecting my credit and giving me difficulty in obtaining a present loan application. I request that you verify this item with PHOENIX FINANCIAL SERV that they are reporting this in accordance with the Fair Credit Reporting Act Regulations as it is a serious problem to report this inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: National Auto Lenders, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021 high balance XXXX balance XXXX I have asked to have this removed from my credit. I have never gone to this dealership

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