BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is not a duplicate PRA failed to let me exercise my federally protected rights. I sent a Notice to Cease Communication directly and indirectly and told them I am not paying them for the alleged debt as stated in 15 USC 1692c however failed to cease communication from my consumer report and still infringing upon my rights to privacy I never gave this company my consent to use my personal information and they are attempting to collect an amount of XXXX dollars that they say are owed to XXXX XXXX which is ( fraud ) material misrepresentation as I never did business with PRA. 
Check attachment as this is my last chance trying to rectify this issue when I never gave you consent to use my personal information meaning you are committing aggravated identify theft and fraud and will be reported to the FTC and legal matter will be held against you as you are willfully and knowingly using my consumer report with Extortionate means violating 18 USC 894. It is not my duty to teach your employees the law however I will hold you in noncompliance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In 15 days from the present date, I anticipate the receipt of a monthly updated credit report. I trust that the items highlighted in this complaint, as well as those identified in my previous complaint dated XXXXXXXX  have been addressed and rectified in the impending update. It is imperative to emphasize that, in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to expeditiously remove any items flagged by the consumer as information stemming from a purported identity theft within four business days of receipt. Regrettably, despite my persistent efforts through various correspondences, these fraudulent items remain unaddressed within your records. I implore you to adhere to the legal stipulations outlined in FCRA Section 605b, which necessitate the removal of the items detailed in the identity theft report XXXX XXXX The specific items are reiterated below for clarity : 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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I REACHED OUT TO XXXX XXXX XXXX BECAUSE MY AUTO LOAN IS REPORTING LATE PAYMENTS FOR SEVERAL MONTHS AND I WAS NEVER LATE. THEY SAID THEY WOULD FIX IT WITH THE CREDIT REPORTING AGENCIES AND THE XXXX, EQUIFAX, AND XXXX AND XXXX IS STILL REPORTING THIS INFORMATION AS ACCURATE. I HAVE SENT A COPY OF THE LETTER HEAD THAT I RECEIVED FROM XXXX XXXX XXXX STATING THAT MY ACCOUNT IS CURRENT AND WAS NOT LATE. I'M ATTACHING A COPY OF MY DISPUTE LETTER WITH THE LETTER HEAD THAT I SENT TO THE CREDIT REPORTING AGENCIES. SENT CERTIFIED MAIL ON XX/XX/2023 AND THEY RECEIVED IT ON XX/XX/2023. ALSO, THERES A CREDIT CARD ACCOUNT FROM XXXX XXXX XXXX THAT I WANT REMOVED ALSO BECAUSE THAT ACCOUNT DOES'NT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Law Office of Michael J. Scott, PC
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Bankruptcy

Complaint:
XXXX XXXX XXXX XXXX XXXX ( specifically, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) have filed multiple lawsuits against me in the XXXX XXXX XXXX XXXX XXXX, Commonwealth of Virginia in an effort to collect debts from defaulted private student loans , each loan originating from XXXX XXXX XXXX XXXX from the period of XXXX. Attorneys for the Plaintiff have filed with the court and served upon me a Warrant in Debt for each of the six student loans they are attempting to collect, as well as filed with the court and served upon me a Bill of Particulars for each case as ordered by the court. Included with each of the Bill of Particulars, attorneys for the Plaintiff have also filed an affidavit from a purported employee ( XXXX XXXX ) of XXXX XXXX XXXX, signed XX/XX/XXXX. The affiant makes the same misleading and defective claims that were previously identified in the XX/XX/XXXX CFPB complaint filed in federal district court against the XXXX XXXX XXXX XXXX XXXX. This is evidence that XXXX and XXXX XXXX XXXX XXXX XXXX continue to file lawsuits in state courts fully aware that their claims are deficient and lack standing, thereby knowingly violating the terms set forth in the consent order. 

Attached is a copy of the Bill of Particulars filed by the Plaintiff. The Bill of Particulars filed in my other five lawsuits are identical in form and substance with the exception of the Trust name, along with dates and alleged amounts owed, changed to meet the specifics of each loan. 

Attached is a copy of the XXXX affidavit filed by the Plaintiff. The affidavits filed in my other five lawsuits are identical in form and substance with the exception of the Trust name, along with dates and alleged amounts owed, changed to meet the specifics of each loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Fraudulent accounts were opened using identity theft. One at Ally Bank and the other at XXXX XXXX XXXX I received a notification because the identify thief used my email address for the account. 

I called both banks where the accounts were opened. In both cases they refused to close the account and stated they would " restrict the account ''. 

They refused to provide me with details with exactly how a restricted account was secure or more secure than a closed account, refused to close the account because " I didn't open the account so I was not a customer of theirs, '' refused to provide me with a timeline of when the account would be closed. 

They only stated that they needed to conduct an investigation before any action would be done. When I asked for an estimated timeline for the investigation to be concluded they refused to answer. When I asked if I would be updated on the status of the account, they refuse " because I was not a customer. '' They claimed to " secure and restrict '' the account, but when I challenged them on the fact that they could not even secure the account from being fraudulently opened, how could they ensure restrictions of further fraud such as the opening of another account? Ally hung up on me without answering the question, XXXX XXXX XXXX refused to answer the question. 

My issue is these online banks are a hot bed for virtual identity theft to transition to actual theft. It is already alarming to deal with chasing down these fraudulent accounts and double checking if any money was stolen, but to then be denied the closure of a potential risk of future fraud perpetuates the nightmare to a daily basis of constant calls and monitoring. These online banks already seem to have less security in terms of opening and verifying an account than a traditional bank. Refusing to close a fraudulent account only exacerbates the issue.

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 2022-07-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XXXX XXXX, XXXX XXXX Experian XXXX XXXX has not responded answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX XXXX Balance : {$110.00} i believe were reporting in error.

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 2022-12-07
Company: U.S. BANCORP
State: GA
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:
XXXX XXXX refunded XXXX tickets for {$10000.00} each on XX/XX/22. I currently have an account balance of - {$15000.00} on my US Bank credit card due to these refunds. US Bank will not refund the balance. I have contacted them via phone four ( 4 ) times and get the same answer. Due to the size of the refund, management approval is required, and will be done tomorrow. I have heard this three ( 3 ) consecutive times. Today, XX/XX/22, I heard the exact same answer. 
They received the credit of {$21000.00} from XXXX XXXX, immediately deducted my account balance, and froze my credit for {$15000.00}. Are they allowed to hold my money this way?

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: Quality Asset Recovery LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted the company by certified mail to validate the debt. The company never responded to my letter. No type of communication was made.

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 2022-07-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated or deleted. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$8200.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$380.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: OH
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 list of accounts below has violated my federally protected and confidentiality under 15 USC 1681

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im the victim of identity theft and I dont recognize this account on my report. I have included a copy of my FTC identity theft report # XXXX describing the identity theft as well as police report 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 2022-12-07
Company: Resurgent Capital Services L.P.
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:
In accordance with the fair credit reporting act XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Harris & Harris, Ltd.
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:
In accordance with the fair credit reporting act XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There was a violation of Contract Law resulting in contract fraud due to lack of providing full material disclosure as required by the TILA therefore there is a billing error that needs resolution. ( 12 CFR 1026.13 ) Pursuant to 9-210. REQUEST FOR ACCOUNTING was made on multiple occasions and never received or responded to.

Pursuant to 15 U.S. Code 1635 and further confirmed in 1026.23 Right of rescission, I expressed right to rescind on multiple occasions with no resolution or response. 
1st notice sent : XX/XX/2022 2nd notice sent : XXXX/XXXX/2022 3rd notice sent : XX/XX/2022 In these notices I expressed for all future communications to be via email or mail yet I continue to receive multiple phone calls and voicemails on a daily basis from OneMain Financial and have not received any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated or deleted. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$8200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance XXXX {$0.00} U S DEPT OF EDXXXX XXXXBalance : {$0.00} U S DEPT OF EDXXXX XXXXBalance : {$0.00} U S DEPT OF EDXXXX XXXXBalance : {$0.00} U S DEPT OF EDXXXX XXXXBalance : {$0.00} U S DEPT OF ED/XXXX XXXXBalance : {$0.00} U S DEPT OF EDXXXX XXXXBalance XXXX {$0.00} U S DEPT OF EDXXXX XXXXBalance : {$0.00} XXXX XXXX Balance XXXX {$380.00} XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting 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:
Incorrect use of my credit for a hard inquiry pull from these companies 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 non-monetary relief
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account

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 2023-10-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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 DID NOT AUTHORIZE THIS ACCOUNT.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/1999, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt. 

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.

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