BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I sent them a letter regarding that they were violating my rights also disputed them. Under this law Validation of Debts 15 U.S.C. 1692g Also Harassing or Abusive Practices 15 U.S.C. 1692d, False or Misleading Representations 15 U.S.C. 1692e claiming that they will not use if I make payment that is coercion deceptive acts harassment Furnishing Certain Deceptive Forms 15 U.S.C. 1692j Do I have a contact with you I want to see the two wet signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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 status incorrect

Complaint:
I have filed 6 disputes over 3 years with equifax to have a charge off account show as closed on my credit report. No matter how many times I show the account is closed, it remains open with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX  XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXXXX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, 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: 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. 

Account name : XXXX XXXX Acct XXXX XXXX Account name : XXXX XXXX XXXX Acct XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have a 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 reporting containing any of the following items of ( 2 ) information 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : 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 2023-04-04
Company: EQUIFAX, INC.
State: TN
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
I have now spent 3 months in the process of disputing an unfair and incorrect valuation completed to justify PMI deletion. Pennymac has now gone back and forth in denying the XXXX XXXX I have provided on 3 separate occasions, each with more supporting evidence that my home is easily market valued to constitute deletion based on Pennymac 's own requirements. They have arbitrarily made up numbers with no backing data despite requiring me to provide hard evidence that they then ignore. I have spent well over 15 hours of my own time to discuss this with them via messaging and calls with no help or assistance in resolving this fairly. After months of communication back and forth, they then replied to a message that yet again clearly showed that the valuation was unfair and not factual based on more than 10 comps I provided ( when they only required 3 ) in the time frame they requested that I am now out of the time window to dispute. I am out of this time window because they have gaslighted the XXXX XXXX and requests in order to extort my money for their gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to view my score and it wouldnt let 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 2023-03-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Credit Card account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Skrill USA, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Sent money to a starving person and their family in XXXX. Person could not withdraw the money. Skrill replied saying I got scammed and transactions for goods and services are irreversible. Transaction was not for a good or service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is a follow up on XXXX complaints I filed with you, XXXX # XXXX and XXXX. On XX/XX/XXXX, XXXX from Citi XXXX XXXX XXXX called me. He told me to go to a local branch and fill out a W-9 and upon certification of the W-9, I would get the remainder of the bonus owed to me, {$200.00}. With his instructions, I went to Citi branch near me on XX/XX/XXXX and resubmitted the W-9 ( their claim of not having my W-9 was false. The branch manager found the one I filled out on XX/XX/XXXX when I opened my account ). On XX/XX/XXXX, XXXX from XXXX XXXX XXXX called and said that they received the certified W-9 but will not pay the {$200.00}. Their reason of " {$10000.00} of {$25000.00} is from Citi funds '' is a false statement. Attached are my four receipts of all {$25000.00} deposit that shows funds from non-Citi accounts, {$10000.00} from XXXX XXXX XXXX on XX/XX/XXXX, {$5000.00} from XXXX XXXXXXXX on XX/XX/XXXX, {$5000.00} from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, and {$5000.00} from SXXXX XXXX XXXX XXXXXX/XX/XXXX. I made XXXX from XXXX XXXX XXXX on XX/XX/XXXX, and with that he told me he would pay the {$200.00} after the W-9 was certified. This {$200.00} bonus was due by XX/XX/XXXX. This is long overdue and Citi XXXX XXXX XXXX is not keeping their promise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08
Company: MRS BPO, LLC
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I need assistance settling an account with XXXX XXXX. Following are the facts of the matter : 1 ). On XX/XX/2023, I moved my phone service from XXXX XXXX to XXXX XXXX XXXX. I have copies of text messages sent to me by XXXX XXXX on the very same day acknowledging the transfer of service. 

2 ). On XX/XX/2023, XXXX XXXX sent me an email in which they claimed my last day of service was XX/XX/2023. I had not had service with XXXX XXXX since XX/XX/2023, when XXXX XXXX XXXX became my carrier. 

3 ). On XX/XX/2023, I received an email from XXXX XXXX claiming a balance of {$120.00} was due by XX/XX/2023. This was the approximate amount of my usual previous monthly XXXX and did not appear to be an adjustment bill for final charges. I attempted to access the account online to view the charges since the email contained no details, and I learned that XXXX had locked me out of the account. 

4 ). I called XXXX XXXX on XX/XX/2023, to request that the bill be sent to me so that I could view the charges and I was informed that it would be sent to my current address which I provided to the customer service representative. 

5 ). On XX/XX/2023, just two days after the bill had been due ( I never received the bill by mail ), I received an email from MRS BPO , LLC, a collection agency located at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, regarding the XXXX XXXX XXXX. 

6 ). I promptly wrote to MRS BPO , LLC on XX/XX/2023, to dispute the amount and to request a copy of the bill and verification that it was for services prior to XX/XX/2023. 

7 ). I followed up with an email to MRS BPO , LLC on XX/XX/2023, requesting that they acknowledge my dispute letter. 

8 ). I have never received a response from MRS BPO , LLC, the collection agency, to my communications to them. 

9 ). XXXX XXXX has reported the account as a collections account on my credit report. 

10 ). I have been unable to obtain a copy of the final XXXX XXXX XXXX from either XXXX or MRS BPO , LLC so that I can ascertain whether any of the charges are for service after XX/XX/2023. 

XXXX XXXX has ruined my credit rating. I want to pay any charges I owe that are for service prior to XX/XX/2023, but I can not get XXXX or MRS BPO , LLC to account for the balance XXXX claims I owe. I also want XXXX to remove the collection item from my credit report since I have dealt in good faith to try to obtain information from them that they were obligated by law to provide to me. I want any award from XXXX and from MRS BPO , LLC that the law entitles me to for their infractions of Fair Debt Collection practices. 

Please advise. I have copies of all the documents I have mentioned. I appreciate your assistance with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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: Personal information incorrect

Complaint:
Subject : Request to Remove Incorrect Information from Consumer Report I hope this letter finds you well. I am writing to request the removal of any information from my consumer report that does not correspond to my current name and address, as required by consumer laws. 

I have attached the following documents to support my request : 1. Identification ( Driver 's License/State ID ) 2. Passport 3. Recent mail These documents serve as proof of my current name and address, and I kindly request that you update my consumer report accordingly. 

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX It has come to my attention that there may be inaccurate or outdated information on my consumer report, which is in violation of consumer protection laws. I understand the importance of maintaining accurate and up-to-date information, and I kindly request your assistance in rectifying this matter. 

Please review my consumer report thoroughly and remove any information that does not pertain to my current name and address. This includes any previous names, addresses, or any other personal details that are no longer applicable. 

I would appreciate it if you could provide me with a confirmation of the changes made and ensure that my consumer report reflects only the accurate and current information. Additionally, I kindly request that you inform me of any further steps I need to take to ensure compliance with consumer protection laws and to maintain the accuracy of my information across all credit bureaus. 

Thank you for your attention to this matter. I look forward to your prompt response and the successful removal of any incorrect information from my consumer report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  card services XXXXXXXX XXXX card services XXXX, XXXX financial account : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 XXXX 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 the information is inaccurate. 

Under pandemic, and natural disasters they failed to provide relief or subsidy payments.

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 2023-08-22
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-05-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a fraudulent account. I have filed a police report. I suspect that it was someone I may know as they paid initial payments then quit paying it. Items were also stolen from my house. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Regions charged me multiple overdraft fees even when accounts were hacked

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief