BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022, " XXXX XXXX '' reported a fraudulent inquiry to Experian which was not the result of any credit-seeking activity on my part. XXXX XXXX informed me this was from XXXX XXXX XXXX. XXXX XXXX XXXX informed me this was from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX informed me there was an error on their website which resulted in the inquiry being sent by mistake. She stated on XX/XX/2022 : " Thank you, XXXX. I will get this information over to XXXX XXXX so they can move forward with removing the inquiry. '' Experian at XXXX and XXXX repeatedly hang up on my relay calls and refuse to take any of my information to report the issue since XX/XX/2022 ( monthly IP relay call logs can be provided for this behavior ). Experian refuses to acknowledge the mail sent to them via USPS on XX/XX/2022 and XX/XX/2022 as no response has been received and no acknowledgement made. XXXX XXXX insists they were legitimate in fraudulently accessing my credit report when it was unauthorized. XXXX XXXX  has been unable or unwilling to take further action to resolve the problem. As a result, I am paying higher home insurance premiums because of this fraudulent access of my credit report and fraudulent inquiry made by some bogus website.

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 2021-03-12
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 Tower loans did a hard inquiry on my credit. After looking I found this company is doing a hard inquiry quarterly on my account. I did not authorize these inquiry. I called the number on inquiry and it goes to a doctors office. I want this fraud stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Alliance Collection Agencies, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Alliance Collections has not provided me proof of validation for the accounts listed below : Account # XXXX for {$680.00} Account # XXXX for {$250.00} Account # XXXX for {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: Alliance One, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Alliance One has been contacting my work numerous times after both verbal and written instructions that this is a violation of my workplace policy. They have ignored these requests and have placed my current job in jeopardy with this repeated harassment. They will not respond to what the nature of the calls are about after numerous requests to do so. I have student loans and am paying on these so I am a little uncertain as to what these calls are in regards to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I sent money by cash app. The person i sent it to has changed their number and is no longer talking to me. I have asked for a refund but they refuse to refund my money. I have explained everything to them but all i get is a general reponse saying they do not do reunds. They are holding {$260.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: PA
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:
I disputed inaccurate personal information ie : addresses, names, phone numbers on my credit report - Equifax on XX/XX/2019. Equifax deleted items on report number XXXX reviewing that personal information deemed incorrect and unverifiable. In XXXX I carefully reviewed my Equifax credit file and acknowledged that Equifax violated my rights per FCRA by re-entering and reporting the same erroneous information that does not belong to me and undeliverable. To my knowledge per FCRA, any Credit reporting agency must notify the consumer in writing within five business days before entering and reporting information that has been deleted prior to reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: SYNCHRONY FINANCIAL
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: Public record information inaccurate

Complaint:
The following account could not be verified or validated by Synchrony Bank/Amazon.com store card. All information including SSN, Address, DOB and account numbers were provide in the request.

Although they did respond they failed to satisfy the requested information for validation of the account. 

I am requesting this account be removed immediately from my credit reports. 

The original request is attached as well as the response from the company.

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 2015-03-22
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PNC Bank acquired mortgage in XXXX 2014 from XXXX. To date there have been XXXX separate errors on PNC 's part to process payments on this mortgage despite electronic transfers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: EQUIFAX, INC.
State: OH
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:
I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX ACCT # XXXX as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization -Please provide a breakdown of fees including any collection costs and medical charges Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection angecy. I will await your reply with the above requested proof Per the standard you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureau 's expected or damages will be sought after All accounts in dispute listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed online XXXX items on XXXX XXXX, 2015. I received a letter in the mailon XXXX XXXX, 2015 dated XXXX XXXX, 2015 stating transunion is writing in responseto my written request on XXXX XXXX, 2015 to cancel my dispute. I NEVERWROTE ANY LETTER ON XXXX XXXX, 2015 TO CANCEL MY REQUEST! 
furthermore, there is no information online regarding my XXXX XXXX, 2015 onlinedispute. 
I demand my XXXX XXXX online dispute being verified for accuracy. transunionhas blatantly violated my rights to dispute inaccurate information byintentially neglecting to reinvestigate disputed items per fcra. Additionally, they have fabricated a lie that I requested to cancel a dispute! I NEVERREQUESTED TO CANCEL MY DISPUTE!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: EQUIFAX, INC.
State: MA
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 disputed the 2 accounts listed on my credit report which were " verified '' by the credit bureaus. Both accounts are with XXXX XXXX. Both accounts are reporting as charge off and reporting a past due balance/balance of the following : one account {$2000.00} and {$950.00} Letter of validation was sent to XXXX XXXX Although they responded, they failed respond to the actual request for validation. They only verified the account listed. Per my request " Your failure to satisfy this request within the requirements stated in the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. A credit diclosure statment was requested to be filled out and returned. Failure to return would result in the following : Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action. Original request is attached as well as their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed a Collection with Transunion. XXXX XXXX XXXX. # XXXX. The original account was with XXXX ; account # : XXXX ; it has been sold to XXXX XXXX XXXX, XXXX, I got the m to remove it, and then to XXXX XXXX XXXX and I believe a few other ones. Also, this account is not mine, I have already proved a few times, that this account belonged to a relative and they did not pay and for some reason, all of these companies have been trying to come after me. On XXXX XXXX, XXXX ; I already got Transunion to delete this alleged account from my file, because it was never mine and today ; now.. XXXX XXXX, XXXX ; they are stating XXXX XXXX XXXX is remaining on my credit report until XXXX XXXX. I am asking for your help, once again, CFPB has already helped me with this same issue and same original account number once before ; back in XXXX XXXX ; this issue was XXXX again removed with your help, it seems as if the account is being sold here and there and I am having to deal with this at least once a year. Please help me remove and please help me stop the collection agencies from repeating of selling this account. Again this is not my account and it never was my account. 

I do n't have a scanner ; but the original case # s were : XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Early this year, I had inquiries deleted from from TransUnion credit report and recently noticed that they were added back to my credit report without any notice provided from TransUnion. This has been detrimental to my credit score. Also, I disputed several accounts that I asked to be verified that I have no knowledge of without success ( XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX ). I also have XXXX accounts that were paid from XXXX that are still listed negatively on my credit report. Lastly, I have numerous accounts reporting from the department of education that were consolidated several years ago and appear on my credit report twice ( both as consolidated loans and stand alone loans ). This is having a major inpact of my credit and my ability to finance a home for me and my children.

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 2015-06-20
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX has hired SW credit systems after a debit that was already contested by myself last XX/XX/XXXX. XXXX nor the previous debit collector ever sent proof of debit or notification that any amount was standing. 

I have included the previous complaint number for this very same debit. XXXX

XXXX and SW credit systems are in violation of the fdcpa.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-10-09
Company: Credit Karma, LLC
State: WA
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:
credit karma said i was prequalified for credit card like 95 % CHANCE AND WAS TURNED DOWN A FEW TIMES

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: CAVALRY INVESTMENTS, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have requested validation of debt with both the credit reporting agency and the creditor Cavalry Portfolio Recovery. The credit reporting agency continues to report information on my report that does not belong to me and/or incomplete or no knowledge of. I was not notified of any existing debt with this debt collector or anyone with affliated with this account. 

The credit reporting agency continues use XXXX to dispute this information without validation of debt. This process violates my rights to receive fair creditor reporting and has since cause irreparable harm to me financially. 

The following information continues to be disputed with XXXX with dispute numbers attached. 

Cavalry Portfolio Recovery has never notified me of any outstanding debt and I have no reason to believe this information is accurate. I've requested information bearing my signature and validation of debt. To date, I have not received any information. 

Below are the number of disputes submitted to the credit reporting agency. The continue to submit the information through XXXXr and return the information back by third party without verifying the information to the creditor directly. 

XX/XX/2022 - # XXXX XX/XX/2022 - # XXXX XX/XX/2022 - XXXX XX/XX/2022 - XXXX XX/XX/2022 - XXXX Today on XXXX I spoke to XXXX at the credit reporting agency and XXXX. XXXX hung up on me when I requested a hundred word dispute. I requested several times. I would like a full complete validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Portfolio America Asset Management, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I told them XX/XX/2020 to stop calling, per Goverment law, since then they have called everyday, just differant numbers, I told themI was going to bill them {$1000.00} every time they call

Company response to consumer: Untimely response
Consumer complaint received 2020-04-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
other accounts could not fit in the FTC complaint XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX  Status Open Opened Date XXXX   XXXX, XXXX Closed Date -- Responsibility Individual Account. Balance {$35.00} High Balance {$35.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. Balance {$270.00} High Balance {$270.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. Balance {$230.00} High Balance {$230.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Hippa violatons and FRCA violations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-24
Company: Experian Information Solutions Inc.
State: FL
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 have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2016-06-30
Company: Collection Information Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
in XX/XX/XXXX, a company that no longer even has a website called XXXX Credit card services, address XXXX XXXX, XXXX, NY XXXX, called me and told me they would consolidate my credit card balance to a new card with a 0 % interest rate for the life of the card. they opened a new XXXX XXXX credit card for me without even moving the balance over and it was a credit card that had a 0 % interest rate for the first year and that 's it. they charged {$720.00} for this and after i realized they never completed any service besides opening a new card for me that i could have done on my own and lied about a 0 % interest rate for the life of the balance, i got in touch with the XXXX and FTC where it was finalized that i did not owe anything to them in XX/XX/XXXX while on my honeymoon XX/XX/XXXX, i got a call from XXXX called CIB collectors saying that carenet has pushed my information to them for their unpaid amount of {$720.00}. The individual Named XXXX was extremely unprofessional while I trying to explain that this had been taken care of three years ago and he kept interrupting me and saying that it isnt taken care of. I want to file a complaint and have this taken care of once and for all. I do n't understand why it has been resurfaced after 3 years after I took the right actions to end this years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Experian Information Solutions Inc.
State: FL
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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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