BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This item with XXXX was paid off for deletion and it is still showing on my credit report. This item should have been deleted. 

This is in violation of the following : 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c ( a ) Communication with the consumer generally 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 non-monetary relief
Consumer complaint received 2022-12-20
Company: Peter Roberts & Associates, Inc.
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a follow up to Complaint : XXXX. As I have previously told XXXX ( multiple times ), I did not have XXXX XXXX and that information was never submitted or given to XXXX, thus I have no idea why they continue to try and submit a claim to them. I gave them the correct information for my health insurance at the time of XXXX XXXX XXXX of Rhode Island, as well as the images of for my health insurance. The creditor continues to incorrectly file with my insurance and is getting precariously close to having a formal complaint lodged with the Attorney General and the Department of Public Health.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I've recently applied for two discover credit cards and was denied. I recieved two separate adverse action letters dated XX/XX/2022 and XX/XX/2022. They have violated the equal credit oppotunity act as I've applied in good faith and discover has no lawful reason to deny me. they are governed under federal laws that protects my right as a consumer. these violations include : 1 ). 15 USC 1691 2 ). 15 USC 1642 3 ). 15 USC 1681m 4 ). 12 CFR 1002 Futhermore my social security card was used and I recieved no benefit ( Unauthorized use of credit card ). Due to this I've suffered hardship when applying for anything else due to the hard inquires on my consumer report from discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Experian Information Solutions Inc.
State: SC
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:
Delete Hard inquiries : 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 2022-09-23
Company: LEXISNEXIS
State: MO
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 is the credit rating company that my auto/home insurance company , XXXX XXXXXXXX XXXX uses to set rates for its insured members. During an annual review from CC, the letter mentioned that our rates were higher because of the credit rating from XXXX XXXX Having just secured a loan for the purchase of a new XXXX and having secured one of the highest credit ratings the seller had ever seen, I found this news disturbing so I contacted XXXX, got a copy of their report and asked them three times to change their credit assessment. Each time, I got a form letter saying they could not " authenticate my identity '' and that the info I supplied -- addresses, copy of my driver 's license, phone numbers, credit card companies, mortgage company and bank addresses, etc. were " not legible '' even though typed and copied clearly. I gave them all the info they asked for in a two-paged typed letter, including the last four digits of my SS number, passport, copy of my driver 's license, etc. No action from them, just another form letter. In addition their report was filled with inaccuracies, omissions and blank pages and shoddy research. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Professional Recovery Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XX/XX/2020 at approximately XXXXXXXX XXXX. representative XXXX of fox Collection Center, answer the phone from XXXX XXXX and stated he was on a recorded line. I attempted to explain that I had received a letter in the mail and was trying to find out what was going on, XXXX asked me to verify the last four of my social security number. 

I was confused as to why he was asking me that and when I attempted to speak further into the matter, XXXX of Fox Collection Center threatened that if I did not tell him the last four of my social security number he was going to terminate the call. 

Making threats to Consumers to get personal financial information if they don't answer questions is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: ENOVA INTERNATIONAL, INC.
State: AZ
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:
On XX/XX/2023, I responded to an online ad to get a personal loan from Net Credit in Arizona. After I correctly typed in all my private information including fist and last name only and my email address. Net Credit should a credit score from XXXX of XXXX under my fist and last name only. 

I was pre-approved for {$1800.00} and was told I needed to input my banking information, list how much money I put into the account on what day of the month, list how many times I was paid, select how much of the pre-approved funding I wanted cash advanced and sign the online documents for the deposit to be placed into my account. 

On XX/XX/2023, after I completed this process entirely, the CSR submitted for final approval and within seconds, I was denied any funding for the reason " Unable to verify identity from XXXX ''. 

My XXXX credit score was improperly accesses by this company. I believe this company has created some form of consumer criminal act to build up accounts information and private information leaving consumer information vulnerable to be affect by a security breech.

I asked Net Credit CSR how they got my credit score after I've witnessed it printed on the signed contract agreement, I printed out the agreement prior to final approval for what I thought would be a deposit. Net Credit CSR choose not to answer.

Net Credit representatives repeatedly told me, funding would be deposited into my account once I shared that information and if I did not, I'd have 90 days to accept the loan.

After the denial of the loan, I asked Net Credit CSR why and how, they just stated it will be now difficult to receive a personal loan from them since there are conflicting credit reports and frauds listed on my credit report. I requested Net Credit to remove and delete my private information they refused. I am now forced to close my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: LA
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, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 Account 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04
Company: Payward Ventures Inc. dba Kraken
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/XXXX - Received email from XXXX support stating my account would be closed, and no information will be provided as to why. Also stated my account had a balance and would need withdrawed in XXXX hours or I would lose it. 

XX/XX/XXXX - Added a withdraw address for my account balance and processed a withdraw XX/XX/XXXX - Withdraw was canceled by XXXX and not processed. Account was closed and so was access to login or any other services. 

Account was later repopened after multiple emails to support, they stated to transfer my money to XXXX  to withdraw. Upon doing such I had to incur multiple fees that institution additionally profited from. This was also counterintuitive to the institutions statements my account was suspended and no longer usable, however they were scamming me in to 'utilizing ' there exchange and paying customer fees as a 'user '. 

The fees and various other extortions had then brought my balance below the company 's XXXX  withdraw minimum, which should also be noted carries excessive and additional fees to utilize, as a customer. Which I was made well known was no longer permitted to be, for completely no reason at all. 

This company has again been toying with me for weeks, and subsequently permanently closed my account again and stolen all of my money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Financial Accounts Service Team Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My daughter forgot to return her cable modem after she graduated college. We returned it and received confirmation of delivery on XX/XX/2022. I have continued to receive calls from Financial Accounts Service Team out of XXXX, TN. I communicated with them months ago that it had been received and gave them the tracking number. They continue to call, so i stopped answering. On XX/XX/2022, I answered the call. Typical call " this is an attempt to collect a debt '', I told her again, it was returned back in XXXX. She put her supervisor on the phone, and the supervisor acknowledged that she did not mark my account correctly from the previous calls and said she would get it corrected. Then she mentioned my credit report. After we got off the phone, i checked my credit and they put a derogatory mark on my credit pm XX/XX/2022, dropping my score by XXXX points. I WAS in the middle of a refinance with XXXX XXXX  that I no longer qualify for. The company will not take my calls any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Exeter Finance Corp.
State: NC
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:
Exeter Finance violated NC state law during the process of repossession of my previous vehicle I had financed with them. Exeter finance broke NC state law : Notification of Sale : After repossession, the creditor is required to provide the consumer with a " Notification of Sale. '' This notice MUST include information about the sale of the repossessed collateral, including the date, time, and location of the sale. It also informs the consumer of their right to redeem the collateral by paying the outstanding balance, as well as any additional fees associated with the repossession. At no time did Exeter Finance mail me this information per my consumer rights in NC, thus I was not given the chance to bid on the vehicle at auction. Furthermore, Date last active, date of last payment and the payment history being reported due not meet XXXX standards and also are in direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My complaint is about XXXX XXXX XXXX and Transunion Credit Bureau. I noticed one unknown, unrecognized inquiry on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/2020. Because I did not apply for credit with XXXX XXXX XXXX on that date. 
Please launch an investigation into the XXXX XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to 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 explanation
Consumer complaint received 2023-09-12
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
This Company Has Put on my credit debt collector threatening for me to pay them when their not my lein holder nor loan agency nor finance agency my car was purchased and financed with US AUTOSALES. already made payments they started my finance over as If I hadnt made any payments. Money I didnt have to throw away. They started my lease over that is NOT RIGHT. US AUTOSALES IS WHO THEY SAY IS IN DEBT I SHOULD NOT SUFFER FOR THAT. WESTLAKE IS A DEBT COLLECTOR NOT A FINACE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: CITIBANK, N.A.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
O/A XX/XX/XXXX I contacted CITIBANK Costco  indicating I was disputing accounting under the FCA/XXXX  and to date I have not received any information in regards to that. XXXX XX/XX/XXXX I sent notification again to date have not received a reply. On the XXXX of XX/XX/XXXX I received a Summons from the law firm of XXXX XXXX XXXX XXXX indicating they are representing CITIBANK COSTCO and suing me. I believe CITIBANK COSTCO has not followed dispute procedures. XXXX XXXX XXXX XXXX has not identified to me previously either they were trying to collect a debit, is this company a debit collector?

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: West Realm Shires Services Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2022, XXXXXXXX XXXX I attempted to withdraw XXXX XXXX from my XXXX account. The XXXX was not transferred as requested. I attempted to contact XXXX via the support ticket protocol several times they were nonresponsive ( XXXX withdrawal missing # XXXX XXXX withdrawal ). 

At XX/XX/2022, XXXX XXXX I filed a second support ticket ( Missing Deposit / Missing With Drawal # XXXX ). On XX/XX/2022 @ XXXX XXXX I received the following response : Hello Your withdrawal attempt on your account has triggered a review for potential fraud. While we investigate this all withdrawals on your account have been disabled. 

In order to help us with this investigation please can you send us : 1. A selfie ( a photo of yourself ) - The photo must show you holding both your ID and a hand written piece of paper that displays " XXXX Verification '' along with the current date. 

Once we review the information you submit, please note we may ask for additional information as we carry out our investigation. 

We apologize for any inconvenience this investigation may cause you and we hope to get this matter resolved as swiftly as possible. 

Best, XXXX On XX/XX/2022, XXXX XXXX I complied with the requested information. Since my response XXXX has been non responsive. 

On XX/XX/2022, XXXXXXXX XXXX I filed an additional support ticket ( Missing Deposit / Missing With Drawal # XXXX ) I attemped to make a deposit & subsequent withdrawal yesterday. I was told that my withdrawals have been blocked due to a fraud invistiuagation. I was ask to send addtional verifcation of my identity yesterday. I complied with the request. Support has been non-responsive ... ... .. See attached the requested information ...... 
Uploaded XXXX XX/XX/2022, XXXX XXXX XXXX is still non-responsive ..... 

Subsequent attempts to file a support ticket resulted in the following message : You are not allowed open more support tickets right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: RentDebt Automated Collections, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

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 and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is 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 this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Bay Area Receivables, Inc
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

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 and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is 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 this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: MD
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, US Bankruptcy Court # XXXX has violated my rights. 

15 U.S.C 1681 section 602 a : States I have rights to privacy 15 U.S.C 1681 section 604 a section 2 : States a consumer reporting agency can not furnish a account without my written instructions I have attached a letter from US Bankruptcy Court that states they do not report any information to the credit bureaus.

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 2022-06-08
Company: Experian Information Solutions Inc.
State: NC
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:
The following inquiries were NOT authorized : - XXXX Mortgage 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 non-monetary relief