BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under 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 2022-08-05
Company: Experian Information Solutions Inc.
State: MA
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:
The past 3 hits or more on my account have been from a workers credit union account I have co-signed with my father. He has been paying it and has also filed a petition to remove it from his credit report as well because it says the account is delinquent when it has not been in the past year.

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 2022-07-06
Company: Experian Information Solutions Inc.
State: MI
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  Account # XXXX, DEPTEDXXXX  Account # XXXX, DEPTEDXXXX Account # XXXX, DEPTEDXXXX Account # XXXX, DEPTEDXXXX Account # XXXX, XXXX XXXX  Account # 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 : 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 the 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 2017-08-21
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX charged off credit card debt from a failed business venture and reported it as a consumer account on my credit report. I disputed the accounts with XXXX and in retaliation XXXX sold the debt to an outside debt collection agency called Sherman Originators, LLC. The only reason I was notified that Sherman Originators, LLC owned the disputed debt is because XXXX responded to a complaint I filed with them regarding the failed business venture. I did not receive a notification from Sherman Originators, LLC. about an attempt to collect a debt or information verifying the debt was mine which is in violation of the requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ). Additionally, after checking my credit report the debt was sold again to a company called LVNV Funding, LLC. I  contacted LVNV and they sent a letter that appeared to be in compliance with regulations set forth by the FDCPA and the CFCPA. However, I was unable to dispute the matter because the company received inaccurate information from the Sherman Originators and ultimately XXXX regarding the classification of consumer and business debts. XXXX and Sherman Originators did not meet requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ). Additionally, LVNV Funding, LLC refused to acknowledge they received incomplete and inaccurate information from Sherman Originators, LLC and ultimately XXXX. How can inaccurate information and failure by the companies to properly notify, stemming from the original source, continue to be reported to my consumer reports?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Bread Financial Holdings, Inc.
State: AK
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:
Run my XXXX credit three times on X/XX/2017 I only authorized one of those inquiries last four digits of my social security number is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Venmo stated I violated their terms and agreement. I asked what I have violated, they did not have an answer. They permanently deactivated my account with {$1000.00} still pending to be deposited into my account. Now they say they are keeping it for 180 days and will no longer answer my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
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:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
Dear Sir or Madaam Capital One is showing up as an open account thats been paid off and been closed iThis account was suppose to be removed from my credit report XX/XX/XXXX Ive contacted Capital One on several occasions I even was sent a letter last year that it would be removed and it s not as of this date. My social security number was found on the Dark Web since XXXX I also had a hacker by the name of XXXX XXXX in my credit file 2 years ago and some of this person s information is still in some of my credit reports Thank you Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-21
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX collection letter recieved from this 2nd collection agency ( Rash Curtis and Associates ) Prior to this letter, the acct already been paid to another collecting agency on XXXX/XXXX/XXXX thru XXXX XXXX . As soon as i rec 'd letter from RashCurtis, I already told them that the acct already been paid and I sent them a proof of payment on XXXX XXXX. Even though they rec 'd the fax for a proof of payment they still keep calling me and asking for a payment. They told me that the proof of payment was not enough and they could Not validate the date of service on the payment letter thus, I need to provide another proof that the acct they are collecting is the same acct I paid for. So I called XXXX for another proof, although XXXX said that collections do not actually put that info in the letter, but they agreed to include the date of service in the letter, the amount, the client name, and the original acct number that Rash Curtis ' is requesting. All the info from EOS is the same info they are collecting from me. So I sent Rash Curtis another fax on XXXX with all the information they need. I called them few days after I sent the fax to make sure they rec 'd and I was told that it will take about 1 week before they get the fax confirmation from other dept. so I was told to call back in about a week. It is already XXXX and the lady handling my acct named XXXX rudely told me that they will not removed the collection in my report bc she still did not received the fax info yet from their department. I asked her what is their timeline to rec 'd the fax info from the dept that I faxed the letter down to her ( XXXX ) And she could not give me a date, i ask if that is 6 months or what bc i am buying a house!

My problem is : # 1 rash curtis & assoc filed this in credit reporting bureau although I already sent them a proof of payment. Now this is in my credit report and i am trying to remove it there as soon as possible. # 2 they were calling me for a collection that 's already beed paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: 2288984 Ontario Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Good Afternoon, This complaint involves MoneyKey of whom I contacted to obtain a line of credit for $ XXXXoriginal amount borrowed. The processing of the line of credit was done over the phone with documents sent for my signature. I have never received the paperwork signed as one of their representatives quickly went through it. I take full responsibility for signing, however, I asked questions about fees since this is not my first line of credit obtained. I was told there is an initiation withdrawal, service fees, interest. However, after paying over {$700.00} and still having a balance of over {$1000.00}, I became concerned with the balance and contact the company. The following is what I was told by MoneyKey and their representatives. Emails with this information can be sent : - Copies of the original load application would be sent - Interest applies on the outstanding amount - There is {$15.00} charge for each {$100.00} remaining outstanding along with interest and other fees - My loan application process via telephone would be reviewed by management and I would get a phone call back. I never received a phone call or email as a follow-up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: JPMORGAN CHASE & CO.
State: WA
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:
I cancelled my chase credit card nearly 6 months ago. At least I thought I did. Turns out it was used for an online purchase I made by mistake in XXXX. The payment should have never gone through but apparently they did n't cancel the card. Anyways I did n't get any notification of the payment because the emails were going to my junk email. I was notified by XXXX XXXX yesterday (XX/XX/XXXX ) that I had a delinquent account. I paid it immediately. I attempted in the morning ( XX/XX/XXXX ) to ask Chase to remove the negative remark from my account. They informed me the federal government requires them to report negative actions according to the fair credit reporting act. I found out that was n't true. A few hours later I called them back to discuss why they had lied to me. I attempted to record the phone call and they refused to talk to me because I was recording the call. I refused to stop recording and ended the call

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is reporting negative to my credit report. I have disputed the information as there is proof that all accounts have been paid, in good standing, and closed by me. I closed these accounts because XXXX XXXX XXXX, multiple times messed up my account, have horrible customer service, and their accounts was always being hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 the fair credit reporting act XXXX Accounts # XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the the fair credit reporting act XXXX Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

15 US. C 1681 section 602 A states I have the right to privacy 15 US. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is reporting negative to my credit report. I have disputed the information as there is proof that all accounts have been paid, in good standing, and closed by me. I closed these accounts because XXXX XXXX XXXX, multiple times messed up my account, have horrible customer service, and their accounts was always being 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 explanation
Consumer complaint received 2022-07-06
Company: AES/PHEAA
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loans have been forgiven after over 4 years of endless run around and delays, by XXXX, then FedLoan Servicing, and now again they are going to XXXX... 

This is a violation of congressionally mandated timelines for forgiveness, and the fact that I simply hear that " it is with the Dept. of Education '' for months and months is unacceptable. 

I'm a XX/XX/XXXX XXXX XXXX XXXX, and this is an insult, embarrassment to DOE. I followed the guidelines, bent over backwards, repeatedly re-submitting lost and incorrectly interpreted/routed documents, and this is the shoddy service I get. Rediculous! Even their downloadable documents interface is now a mess, and they have 5 hour waiting on the phone lines- seriously, 5 hours, and then they disconnect you with no follow up. So, I've gone though all of that for 4 years, and finally I've been forgiven for OVER 6 months, approved ( see attached ) and all I get is 'its with DOE for review ' - - I'm going to the Inspector General next unless something is done. 

The latest status is that this has been sitting with the Dept of Ed. for 6 months plus, for nothing. 

Process the forgiveness today, and refund my overpayment today!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received this Transmittal on XX/XX/XXXX/2017for the amount {$73.00} but do not know what for, or too whom I would owe this debt. This is my first attempt to try an resolve the issue because the number provided on the transmittal says that there is no phone contact ability. 

Therefore I do n't know to whom or why I would bother to pay smithing that I have no knowledge of. 

The company in question is XXXX. Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.XXXX  PAXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The accounts below are reporting on my personal credit file with TRANSUNION and TRANSUNION. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor 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 2018-09-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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 is missing that should be on the report

Complaint:
The original owner was XXXX XXXX sold to portfolio recovery associates XXXX. I settled and paid in full with portfolio recovery. I need portfolio recovery as well as XXXX XXXX to comment on my account ( my credit report, all three. That this XXXX XXXX store card or credit card was paid and settled and paid in full. Was a charge off but need remarks to say, or comments as paid and settled in full please. Thx XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
This is my 3rd attempt to correct my XXXX credit report and these idiots continue to break the law. This is absurd. I am a true victim here! I have sent in FTC and Affidavit and 609 letter before and nothing was done. It has been 75 days, 75 days!!! The information located inside of my FTC report needs to be corrected NOW! I have my lawyer contacting the Attorney General 's office in reference to my credit report. I will sue if I do not get cooperation immediately. Its been 75 days already. How much longer should I suffer? I will be homeless if this is not corrected. Do you want to be the ones who could be the solution, but chose to continue to break the law and my rights? Correct my credit report, NOW!!! 

And before you three ( TXXXX, XXXX and Equifax ) try to stall and say I'm doing this for goods, or I did not authorize you to correct/investigate my report, THIS IS XXXX XXXX ! I have attached my social security card, proof of address and ID. Please do not try the XXXX tactics. Again, this is my last attempt! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under 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