BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
Company: ENCORE CAPITAL GROUP INC.
State: IN
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:
After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account listed under Midland Credit Management and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report, and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and the account still reflect on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation have been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: CCF Intermediate Holdings LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
I am unable to use a regular bank because of personal reasons out of my control. I received a lawsuit settlement and a few large checks that I needed to cash. I went to California Check Cashing in XXXX XXXX, CA on XXXX XXXX ( only location in XXXX XXXX ). They cashed a check for {$30000.00} for me ( not all in cash, I was required to put some of the money on their store debit card ) and they charged me {$3000.00} to cash the check. And there were other checks that I have cashed there for {$10000.00} that I was charged {$1000.00} to cash, etc. They charged me 10 % with no cap on the fees. They knew the checks were good. There was no risk involved. They confirmed with the lawyer, etc.i feel like this was predatory banking practices. I had no choice if I wanted the money. After checking with other check cashing facilities locally after the fact, it is obvious that California Check Cashing is in the practice of predatory banking practices. Other businesses have a cap of {$300.00} to cash any check. I am asking that California Check cashing return any money over {$300.00} that they collected from me while cashing any check in their facility. I had identification as well. There was no risk involved in cashing these checks. I feel like they took advantage of my financial situation to their benefit. I wrote them a letter but did not hear back from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I didn't have really the right options to choose from in trying to discribe my complaint. With the exception of XXXX, and XXXX of XXXX Every month my account has came up short on my money from my S.S.I., and my Social Security check. This situation has been going on every month of each year beginning with XXXX up thru present XX/XX/2022. I bank with Wells Fargo. I know that there are employees of Wells Fargo that have to be involved. I asked a teller one day at one of the branches a question. Given her responce I knew for sure then I was right. I have been having a lot of issues with a lot of equal rights as well. I don't know what is going on but it's horrible. Hacked into phones. I have been trying to contact someone in Washington in regards to the Civil Rights issues with no luck. I written two very discriptive long letters. I don't believe my mail was even delivered. I was charged around {$15.00} to send it to were the addressee had to sign for it ( certified ), I believe is what is was called. I never recieved the paperwork I should have to ensure delivery. I reside in XXXX XXXXXXXX XXXX area. Please I really need your help!!

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 2022-10-26
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: CBC Companies, Inc.
State: DC
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:
Innovis is in violation of the Fair Credit Reporting Act for reporting inaccurate and unverified information on my credit report. They have also committed aggravated by by sharing my information without my consent. By reporting this inaccurate information they are harming my reputation and hindering me from accessing credit, which is my right. They are reporting 4 negative accounts XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, and XXXX XXXX  XXXX XXXX ) on my report. XXXX XXXX XXXXXXXX is a closed account with a zero balance. It's no reason for it to be a negative account. XXXX XXXX and XXXX are accounts that having been charged off and they are no longer able to collect on these account. I have disputed both accounts pursuant to 15 U.S.C. 1692G ( b ) of the Fair SDebt Collection Practices Act. Both creditors failed to verify the alleged debt. Therefore, it is inaccurate for Innovis to report this account on my credit report. I disputed the XXXX bank account pursuant to the same FDCPA statute and they have also failed to verify the alleged debt. This account needs to be removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax is continuing to violate my rights as a federally protected consumer. They have affected me and caused me hardship by misreporting and listing inaccurate information on my credit file. Equifax did not exercise their grave responsibility to protect my right to privacy. They have been unfair and impartial and never received my consent to furnish anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
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 XXXX account # XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 a. states I have the right to privacy.

15 USC 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


TransUnion Name : XXXX, XXXX, XXXX EMPLOYER : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX AZ XXXXXXXX XXXX XXXX XXXX XXXX AZ XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX EMPLOYER : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: The CBE Group, Inc.
State: TX
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 have had my XXXX  account for years now ; charter communication ( XXXX  ) is damaging my credit by adding 2 additional accounts on my credit report from two other harassing collection agencies. I REFUSED to pay them because I am a customer of the same company and I feel like this is a scam. This is extremely damaging to my credit and has caused severe hardships with getting the help I need. 

report show CBE group ( charter communications ) {$530.00} ( XXXX  XXXX XXXX report show XXXX XXXX XXXX ( charter communications ) {$570.00} ( reporting only to XXXX ) this account is in collections and it shows as " opened '' status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
Venmo froze my account for 8 business days after locking the account. Verified all info they request and still my funds and account are frozen. I've called 18 times spoke to supervisors as well as emailed these people and no one can seem to help me. I need my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: NC
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:
My identity was stolen. In XXXX of 2022, I filed a complaint with Federal Trade Commission and filed a police report and sent them all 3 major credit bureaus : Experian, XXXX, and XXXX. It's been over 90 days and nothing has changed on my credit report. They've essentially ignored my complaint, even after sending them all the documents they required to correct my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian has allowed new collection accounts to be placed on my credit report without properly verifying identity and they will not allow me to file a dispute, it has been 60 days now and I continue to receive an error message stating technical difficulties. XXXX is listed as a collection on my account in the amount of {$580.00} this same company was listed on my credit report before, I disputed it and this same account was removed by Experian. This account was placed again, updated with a new report date of XXXX XXXX which is completely inaccurate and false reporting and now Experian will not allow me to dispute this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not authorized this company to add my personal health issues to the credit bureau. They are violating my rights and the HIPA law. 
Please delete from my files as soon as possible Sincerely. 
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 2022-10-26
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
When I checked my credit report I found hard inquiries that are fraudulent which includes XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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: Credit inquiries on your report that you don't recognize

Complaint:
When I checked my credit report I found hard inquiries that are fraudulent which includes XXXX, XXXX XXXX XXXX XXXX, and 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 2022-06-22
Company: Paradigm Assets, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2022-06-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX have been trying to work with all three credit bureaus to correct inaccurate information on my credit report for the last 6 months. After consulting an attorney and reading parts of the fair credit reporting act I found out that all three bureaus have broken the law and are in violation of several inaccuracies that are being reported on my credit report. 

The first one is that it has now been way past 6 months and they have not at all tried to correct any errors that I have disputed on my report at all! Also I read that they must temporarily delete any of the items disputed that I have disputed during the investigation and all three of the bureaus never did that in the last six months! 

Also I read the permissible purpose section of the fair credit reporting act and it clearly states that a consumer like myself must first give them permission to furnish anything on my report. Well I never once gave them permission to report any of the disputed accounts. And those accounts have never been verified the proper way like it says it should be per federal law! By investigation my relatives and neighbors and mode of living! 

I believe that these violations are sufficient enough for everything disputed to be taken off of my report or civil action may be necessary. I ask that you please help me enforce my rights as a consumer as well as enforce the three bureaus to follow federal law along with their own policies. Thank you.

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 2022-06-22
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-21
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX has violated several of my consumer federally protected rights. XXXX XXXX is a debt collector as defined in the Fair Debt Collectioj Practices Act. I sent XXXX XXXX Exhibits showing exactly how they have violated me as the consumer and I labeled each violation clearly from the FDCPA. 

Violation 1 - 15 USC 1692b ( 2 ) a debt collector can not state that a consumer owes any debt.

Violation 2 - 15 USC 1692d ( 2 ) the term debt is obscene and profane language to me the consumer Violation 3 - 15 USC 1692 ( f ) ( 8 ) a debt collector may not use any language or symbol on any envelope and XXXX XXXX in fact has a logo on their envelope Violation 4 - 15 USC 1692c a debt collector can not communicate with the consumer without the consumer permission to do so 15 USC 1692a ( 5 ) The term debt means any obligation or alleged obligation I never gave XXXX XXXX XXXX to speak to me I never gave them my information. 

There are more violations in the attachment with the affidavit of fact that I sent to XXXX XXXX in which they have received.

Company response to consumer: Closed with explanation