BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-21
Company: ACIMA CREDIT, LLC
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 need to have XXXX items remove from XXXX, XXXX, and XXXX account. 

I do not know how the XXXX items are on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Netspend Corporation
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have not applied fo r a Mastercard from NetSpendSmallBusiness.com, but I 've received one in the mail. I do not want the card, nor do I w ant them to mail me any additional cards. It is my understanding that sending a person an credit card that they did not apply for is illegal. There is a number on the card to " activate '' it,  XXXX   XXXX . The number also appears on the back. I called the number, not to activate it, but to complain. My only options were to activate it, or provide them with my social security number, which I was NOT going to do. I feel t  his may be a scam.
I have had trouble with the risk of identity theft,   and my credit is frozen. They should not have been able to process a card for me. I 've called  XXXX , and there have been no inquiries by this company.     These people should be held accountable for breaking the law.     My name is  XXXX   XXXX . My telephone number i s (   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 2019-12-26
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/2019 I sent a final letter to the Credit Bureaus discussing an issue with my consumer credit report. I explained that I have sent multiple letters regarding the furnishing of my personal credit file. In the letter, I stated the following : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I also requested verification via a signed application or contract with said companies and have not received anything to verify that I authorized the release of my personal credit file to these companies. To date, I have not received any verification documentation of any kind to resolve this matter nor has the item been deleted. My next step will be small claims court if this matter is not resolved. 

I have studied the law and noted that in order for an account to continue reporting on my file, it must be accurate and verifiable. Neither of which are the case regarding this account. 

I received a letter on XX/XX/2019 stating that they have verified the inquiries. Due to the number of inquiries, I am attaching the documentation sent to each company regarding the request for deletion. 

The additional letters were sent XX/XX/2019, XX/XX/2019 and XX/XX/2019. I have attached copies of the certified receipt and I appreciate your assistance with resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-12
Company: Kriya Capital, LLC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am continually receiving collection phone calls from Credence Resource XXXX I was given a reference # XXXX re : a XXXX bill. My insurer has confirmed this bill to be paid to the original debtor XXXX XXXX XXXX. 

However, Credence continues to call me XXXX regarding this bill which is no longer owed. 

I phoned XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) and they have confirmed that this bill has been paid and that they do not deal with Credence for collection. Additionally, accordingly XXXX XXXX XXXX never sent this bill for collection. 

How do I make these collection phone calls to stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
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 tried to refinance my car today XX/XX/20 however, I was unable to do so because my credit report came back with about seven accounts in negative standing. I didn't know these accounts were on my credit report because none of them belong to me. I am not responsible for any of these accounts nor did I benefit anything from them being open in my name such as money, goods, services or any other benefit and I never contributed to payments made towards these accounts. I don't know who these accounts belong to but I never gave anyone permission to open them in my name therefor I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts. The accounts were opened with these companies which I am not affilated with in any way. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: DISCOVER BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
When I first decided to try to get pre-qualified for a loan I looked online at loan companies. ONE time I gave my email address and all of a sudden I had several companies emailing me about a loan. I immediately unsubscribed from every one of them and where I could I typed a message that was very clear that I was no longer in the market and that I had unsubscribed and not to call me or email me again. 
But now I've had six ( 6 ) companies that keep hitting my credit report and I've never spoken to any of them. They are : ( XXXX ) XXXX ) - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX ; ( XXXX ) XXXX ) - Discover Financial Service, XXXX XXXX XXXX, XXXX XXXX, DE, XXXX ; ( XXXX ) XXXX ) - ( tel : XXXX ) - XXXX XXXX, XXXX. XXXX  XXXX, XXXX XXXX, IN XXXX ; ( XXXX ) XXXX ) - XXXX XXXX XXXX, XXXX. XXXX  XXXX, XXXX XXXX, IA XXXX ; - XXXX XXXX./XXXX  XXXX  XXXX XXXX XXXX XXXX., XXXX, WI XXXX ; and - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Early Warning Services, LLC
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 - we were fraudulently led to believe XXXX XXXX contacted us regarding a fraud, which in turn frauded us out of XXXX from a checking account using the Zelle payment system. I contacted Zelle and reported the fraud the case # is here : Zelle Case # XXXX on XX/XX/2022. XXXX XXXX will not cover the loss through Regulation E, so Zelle must be the one who needs to cover the loss under Regulation EXXXX We would like Zelle to cover the loss under Regulation E. I was told that Zelle or XXXX tried to recover the funds from XXXX XXXX ( apparently where the money went ) and was given this # as a claim XXXX - Which institution has to abide by Regulation E? I would like Zelle to pay since XXXX is not paying and covering this fraudulent loss. It is not the consumers fault that the app is so loose. We have never used a Zelle app before this fraud day. XXXX XXXX XXXX and XXXX XXXX - XXXX account ending XXXX. Previous complaint to CFPB for XXXX XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The account account in dispute. 
XXXX : XXXX This account was chrged off XX/XX/XXXX the date has been changed and this account should have been deleted XX/XX/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 2020-06-18
Company: EQUIFAX, INC.
State: AR
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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX  XXXX {$1400.00} XXXX XXXX {$2700.00} USDEPTED XXXX {$4200.00} XXXX XXXX {$2700.00} USDEPED XXXX {$4200.00} XXXX  XXXX {$4200.00} XXXXDOFED XXXX {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: RI
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  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 : states a consumer reporting agency can not furnish an account without written instruction or consent. Please provide proof of written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26
Company: COMMERCE BANK
State: KS
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I paid off my car loan five months ago. I have asked 3 times for a lien release. I traded my car to a local dealer who is threatening to repossess my new car because i can not provide them a copy of the title or a lien release on my old car. Each time i call Commerce Bank they tell me that they will process my request and mail it out to me. I called them again today and told them that i need this done today. They refused to accommodate my request and said it would take XXXX to 10 more business days to process the lien release.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I used Venmo for a transaction. Shortly after sending funds via Venmo I learned that I was interacting with a fraudulent person using multiple false identities on their platform. I immediately alerted Venmo. I also contacted my bank to prevent fraudulent withdrawals from my account. To my knowledge Venmo did nothing to stop or investigate the fraudulent activity and instead has attempted to pressure me to pay Venmo the amount they lost in the fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Nelnet, 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: Report provided to employer without your written authorization

Complaint:
. I am requesting PROOF OF MY WRITTEN CONSENTED TO FURNISH ANYTHING IN MY REOORT or reporting to consumer agencies.. and responding to XXXX XXXX XXXX of Nelnet customer service dept. nowhere in this letter states how you were authorized without my written consent to furnish a consumer report. Nelnet is in direct violation of FCRA, and consumer laws, pursuant to 15 USC 1681 you need Permissible purpose to report anything on my consumer report you may also be liable for up to {$10000.00} or misdemeanor. I have already proven that identity theft and the unauthorized actions XXXX  has fraudulently obtained and continue to report. 
Inaccuracies, They have not notified the CRA of my dispute, According to 15 USC 1692,1681 A ( b ), the The only way any information obtained has to come from the consumer myself which has not. As well as the privacy laws you are direct violation of. I have a legal rights and consumer rights protected by the federal government and it is being requested to stop reporting on my consumer report since you did not have my written consent to do so. Pursuant to Appendix A To Furnisher rule 660. Your policies must prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; Not only that but If you are a debt collector furnishing information to a CRA about the accounts of a creditor, you must report the date of delinquency given to you by the consumer XXXX. FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. You have now lied via mail if my rights and violations you have infringed on. 
I have still no information or correspondence regarding how Nelnet got my written consent to furnish anything on my consumer report. Unless they did so without it. At this time it is also been passed 30 days for conducting a proper investigation, it is clear that Nelnet has not notify the CRA of this dispute and proof of my written consent and show me where I gave up my rights to thereof. I have already requested documents pursuant to FTC laws and identity theft investigation and clearing my name, Nelnet has not provided the documents under this code. They have not provided my written statement proving I gave them consent to furnish anything on my consumer report. But yet responding to irrelevant nonsense. As stated by the federal trade commission : If you dont comply with the FCRA, you may be sued by the FTC XXXX Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$4100.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. XXXX XXXX XX/XX/XXXX {$380.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1400.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$2300.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$630.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX  XXXX XXXX XX/XX/XXXX {$3700.00}, XXXX XXXX XXXX - {$360.00}. Inquiries : XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  has reported incorrect information on my credit file from XXXX XXXX/XXXX  trying to collect on this account I do not owe. This company never sent me any information and I want this account remove immediately. XXXX  and XXXX properties and broken the law 15 U.S. Code 1692g.Validation of debts. This company did not send me anything or verify anything. This company purchased a debt that I don't owe and I want it removed from my credit report 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 explanation
Consumer complaint received 2020-08-06
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: Information belongs to someone else

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. INQUIRIES : XXXX XXXX | XX/XX/XXXX, XXXX/XXXX XXXX  | XX/XX/XXXX, XXXX  XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX   XXXX/XXXX  | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX | XX/XX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/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 2022-01-21
Company: Consumer Adjustment Company Incorporated
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I purchased a theme park pass for XXXX XXXX. Due to the Pandemic, XXXXXXXX XXXX did not open as scheduled in XXXX XXXX. When the park subsequently opened I could not visit ( I could not use the pass I purchased ) due to being both immunocompromised and having XXXX  XXXX XXXX. My doctors said I should not visit. I relayed this to XXXX XXXX, but they would not cancel the pass. I contacted my credit card company who reversed the XX/XX/XXXX charge ( of {$110.00} ). 

This item appears as delinquent on my XXXX credit report. I contacted XXXX and explained the situation, but they have not removed the item from my credit report. 

The company reporting to XXXX is Consumer Adjustment Company. 

( For what it's worth, both my credit company and XXXX agreed with me. XXXX removed the item from its credit report and the credit card company reversed the charge from XXXXXXXX XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: JH Portfolio Debt Equities, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have spoken with JH PORTFOLIO EQUI ( Collection company ) on many occasions. On XXXX/XXXX/16 I spoke with XXXX and told her that I wanted a copy of signed agreement between me and XXXX XXXX XXXX. She stated " she does n't know if she will be able to get that but she would try ''. I also mailed an dispute letter, and her department received this letter on XXXX/XXXX/2016 and I have included that dispute letter within this complaint. I have also included a copy of receipt. It clearly states what I 'm requesting. I called XXXX/XXXX/2016 to check the status and I was transferred to XXXX again, who now was extremely rude because I wanted to see if she has gotten a chance to look at my dispute letter and if she was able to get signed application from original creditor and me so I can review. she stated that she has n't heard anything from XXXX XXXX XXXX and does n't have that document nor copy of my license. I asked for her extention # or employee # and she refused to give it or her managers information. On XXXX/XXXX/2016 I received a basic validation letter but nothing that I requested. I was clear, I stated that I want this information removed from all credit reporting agencies. How can they validate this debt without having at minimum, a signed agreement between me and XXXX XXXX XXXX. Also, according to statement sent by JH PORTFOLIO from XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX but according to JH PORTFOLIO its XXXX XXXX XXXX XXXX. I have included supporting documentation.

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