BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: IL
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:
After reviewing my credit report I see the below information still in there, that makes me more upset. I never granted your company the right to report against me under the Fair Debt Collection Practices Act 15 USC Section 1692 that was abusive practices. I was a victim of invasion of my privacy.

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 2022-01-24
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent a dispute to Equifax about the following accounts ; XXXX XXXX Bankruptcy ( Date opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX  ( Date opened : XX/XX/XXXX, Balance : {$1600.00} ), XXXX XXXX ( Date opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX ( Date opened XXXX XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX ( Date opened : XX/XX/XXXX, Balance : {$740.00} ), XXXX XXXX XXXX ( Date opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date opened : XX/XX/XXXX, Balance : {$980.00} ), XXXX  ( Date opened : XX/XX/XXXX, Balance : {$960.00} ), XXXX ( Date opened : XX/XX/XXXX, Balance : {$0.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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:
On or about XX/XX/XXXX I sent validation of debt requests to XXXX XXXX ( 2 XXXX accounts ), Portfolio Recovery Associates ( XXXX   account ) and XXXX XXXX ( XXXX XXXX ) I specifically requested that the collection agencies provide me with competent that showed I was legally obigated to pay for the negative collection accounts. XXXX, Portfolio and XXXX sent me some old account statements from years prior but did not provide me with a original contract of indebtness ( contract ) while fully knowing they would need an original contract to prove my alleged responsibility in a court of law. I also ask for their Georgia business license number showing that they were legally able to attempt debt collection in this state. I was not provided any Georgia business license number or any information showing they could operate in the State of Georgia. XXXX, Portfolio and XXXX continue to report the negative collection accounts as " accurate, verified '' on my credit report without providing me legal proof of their alledged verification which is a violation of FCRA and FDCPA. Furthermore Portfolio Recovery is in direct violation of the CFPB XX/XX/XXXX Consent order number XXXX by continual refusing to show proof of alledged verification of debt and lying to consumers by telling them debts was verified while not having account-level documentation from their electronic purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Asset Recovery Solutions, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A relative ( in law ) received a call from " XXXX '' a representative of Asset Recovery Solutions at her residence on X/XX/16. I am in no way connected to this in law in regards to any form of credit, bank loans, etc. I have never used her personal information for any reason. " XXXX '' or any representative of Asset Recovery Solutions should have not pulled my in laws information from public records to use it to collect any debt they are not legally tied to. " XXXX '' also tried to coerce my in law who is a senior citizen in advanced age to go into her phone to retrieve contact information to reach me about a " job ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following companies have inquiries on my credit report that I did not authorize, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-01-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a dispute with Equifax and XXXX beginning XX/XX/XXXX. I mailed out dispute letters XX/XX/XXXX concerning a XXXX card debt, XXXX card debt and XXXX XXXX debt. I mailed out letters via certified mail but never received a response back from either Equifax or XXXX. I called both companies earlier this month to ask about these accounts that are not mine and they told me over the phone that the accounts had been verified by the creditors. So I asked XXXX why didn't receive a returned signature receipt from my certified letter or even a response letter about the dispute? They told me that they sent the update to my email on my XXXX account. I told them I don't have a XXXX  account and I specifically requested that my response be sent via mail to my home address anyways. They still refused to send it out. I also spoke with Equifax and they said that it was verified and they don't know why the dispute response letter hadn't been sent out yet and that they would send it out in 3-5 days. So on XX/XX/XXXX I sent out another certified mail dispute to both Equifax and XXXX and stiill have not gotten a return receipt signature from either company. After 10 days of return receipt signature this should be deemed a no response from both of these bureaus. I didn't have these issues with XXXX as they complied and removed all fraudulent accounts off their report. Equifax and XXXX are not in compliance with Metro-2 as I also stated in my dispute letters. Their failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with these bureaus for the purpose of filing a complaint with the FTC should they continue in non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  ), they may be liable for their willful non-compliance. I have phone recordings and receipts of each certified letter sent out and I am hoping to solve this issue before I have to take further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX i contacted USAA to update my payment history. USAA is reporting inaccurate and incomplete credit information. The credit report from all three bureaus show a history of payment or payments being made late that are not proven and are incorrect. Furthermore, The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By USAA reporting inaccurate information without my written consent first, they are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ; Pursuant to all the facts I stated above, Ive forwarded written instructions as to what I, a consumer in fact, want removed from the my credit report as well as an updated payment history. I am demanding Deletion of inaccurate late payment history from all consumer reports and a Change of all payment history to paid as agreed or on-time I also DO NOT authorize any automated response or e- Oscar verification method.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: ENOVA INTERNATIONAL, INC.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Thank you for taking the time to read this. Upon review of my XXXX, XXXX and XXXX credit files I noted XXXX payments that are reported as late. I have disputed the late payments already XXXX times and I am sincerely hoping someone there can take a closer look at my file. The payments were, in fact, missed, but prior to me missing the payments, I called every month I was unable to pay and was unable to get through to your company ( XX/XX/2020, XX/XX/2020 and XX/XX/2020 ). I was affected by XXXX and tried to get a deferment and couldn't get through and therefore accounts ended up being late. I am hoping you can make the necessary adjustment under the CARES Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Synovus Bank
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX First Progress removed a charge off account from my XXXX credit report after I disputed it. On XX/XX/XXXX I made the full payment for the remaining balance of {$140.00}. On Monday, XX/XX/XXXX First Progress added a charge off account to my XXXX credit report and marked it paid closed collection/charge off. This is absolutely illegal for them to do and very unethical. Im requesting this account be removed in total from all 3 of my credit reports! Not only has this affected my score but added a negative reporting to my credit. This account was NEVER in collections and wasnt sold to a third party agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I called Experian credit bureau after I purchased a credit report from XXXX XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} on my credit report which are UNKNOWN to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing negative account on my credit report all this time. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law.

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 2022-08-17
Company: EQUIFAX, 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:
The following companies have inquiries on my credit report that I did not authorize, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
Paypal, so far the most complained among the virtual currencies, blocked my account without any explanation or logics on XXXX 2015 and it is still blocked after my several attempts to have it unlifted!! Paypal, following its tradition of doing ridiculous and stupid things, is keeping the restrictions on my account and it seems nothing can be done in order to be able to make transactions in my account! I am unable to send payments as well as receiving payments and without any explanation from Paypal! I only get nonsense words from Paypal agents on the phone, whatever they state is contradictory and incoherent and when I want to speak with a supervisor I get cut off!! I posted a complaint in this website : http : //www.paypalcomplaints.org/ but Paypal remains completely passive on it, shameful!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
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:
On XX/XX/2021 I sent a validation letter to XXXX, Equifax, and XXXX regarding some inaccuracies that are reporting in my credit report ( attached below ). I exercise my right to request all three bureaus to provide me with verifiable proof that the negative items reporting on the accounts listed below belong to me or they have to remove those immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of the alleged original signed consumer contract to prove those accounts belong to me and that whatever they report on my credit report has to be 100 % accurate. On XX/XX/XXXX, I received a letter back from XXXX stated that they verified those accounts as accurate which is false and misleading which is a violation of my consumer rights. How can they verify it to be accurate if you can see the invalid inconsistencies in plain site ( shown below ) As for XXXX and Equifax it's been well over 30 days and I never received any investigation results In regards to the late payments that were reported, that is 100 % false because I paid those accounts on time, but to my understanding late payments shouldn't even be reported due to the COVID Forbearance Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Multi-faceted bank errors. Recent audit of accounts and transactions found closed account balances transferred to wrong account and cents missing from one account to the other, charges a XXXX off as more money taken than the receipts, cashing wage checks having money deposited back to business account when should have been deposited in personal accounts, business revenue deposited in personal accounts by bank employees causing accounting and audit trail problems, bankers filling in account numbers and using the incorrect accounts, bankers performing transactions without authorization of the account holder or holders, processing checks or convoluting the transaction of the check cashing process, redacting information on deposit slips and just too many similar items to list.

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 2018-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To whom it may concern My name is XXXX XXXX i got my credit report about a month or to back and saw somethings that wasnt correct for starters my name is not XXXX XXXX XXXX it is XXXX XXXX also had inquireys that i never made i called the companys and the credit bureaus and no one can seem to help me so i was googling legal Options and came accross you and your my Last resort

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 2017-07-24
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I recently discovered that I was potentially eligible for protections under the Servicemembers ' Civil Relief Act ( SCRA ) and attempted to submit documentation to that effect to the Chase. I submitted the documentation necessary ( my Status Report pursuant to Servicemembers Civil Relief Act ), but was told that my account did not qualify even though I started XXXX XXXX in XX/XX/XXXX and opened my card in XX/XX/XXXX. They stated that I was on XXXX XXXX before which the government does not show ( or renumerate me for ). I submitted the requested status to two other banks, XXXX and XXXX both of which identified I qualified for the SCRA protections. This is the third time I am doing this and I feel this is becoming onerous as I have tried to do this process before with similar results where the process just drags on even though it is required by law. I spoke with XXXX and they stated that I show as XXXX XXXX starting in XX/XX/XXXX. The documentation, which is provided and signed, by the Department of Defense - Manpower Data Center is a government document created and accessed through : XXXX XXXX XXXX. It is the most current database of DoD personnel and is used throughout the industry. I feel that as Chase states that they are military friendly and then do actions like this with numerous DoD personnel as members understands this process and it just attempting to make it more onerous for members to receive the benefits to which they are due. I appreciate any assistance with this matter. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-24
Company: AES/PHEAA
State: MA
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:
FedLoan Servicing has been providing me with regular monthly statements of {$190.00} for the past 5 months. Before that the amounts fluctuated and FedLoan could not or would not coherently describe why. I have paid $ XXXX/month to pay down the loans and have received subsequent bills stating " You have previously made payments in excess of the amount that was due. Therefore, you currently do not have a payment due this month. Your next payment is due on XX/XX/XXXXfor {$190.00}. '' This month I received a statement this this exact wording dated XX/XX/XXXX. On the same day I received a delinquency notice dated XX/XX/XXXX. I called FedLoan Servicing for an explanation as to the obvious discrepancy in the two letters dated a single day apart and was told my actual amount due each month was {$1400.00}. This does not appear on any statement and has not been made known to me. The service person claims that emails had been sent, however they confirmed I am set up for paper billing and I have not seen these supposed emails. The service person did not have an explanation for the lack of paper correspondence related to the $ XXXX/month amount due. Please help me to get this matter resolved so I do not default on a loan I have, by all correspondence that has been provided in my confirmed method, been paying beyond the due amount. Furthermore, of the loans listed on the delinquency notice 5 were  supposedly dispersed during my time as an XXXX and during that time I had taken out loans from XXXX XXXX XXXX not FedLoan Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: PORTFOLIO RECOVERY ASSOCIATES 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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: BB&T CORPORATION
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: Account information incorrect

Complaint:
I just recently pulled my XXXX  and XXXX  credit report and i notice XXXX XXXX is reporting a failed payment or FP for the month of XX/XX/2013 on my XXXX  credit report but when i looked at my XXXX  credit report it clearly shows where it says " Date of last payment '' it shows XX/XX/2013 this leads me to believe that the entire payment history is being reported wrong. This account is closed and charged off and is having a negative impact on my credit score. Also XXXX XXXX has the wrong account number on both credit reports XXXX is showing account # XXXX and XXXX is showing # XXXX I was just recently turned down for a mortgage because of this inaccurate tradeline. I want XXXX XXXX to show proof i made a payment on XX/XX/2013 because it clearly states i did with XXXX  if they cant provide me proof. I want this inaccurate account deleted form a 3 credit reporting agencies 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