BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: Experian Information Solutions 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:
I investigated my credit report with all three credit agencies and reported the inaccuracies to them, but after the investigation was completed, it did not change the outcome. The inaccuracies are still on all three credit reports. 
After I did very thorough research myself, the information was not corrected after making several attempts to get the information corrected. All three credit agencies are reporting inaccuracies in my credit reports : The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq 602 A. The following accounts are completely inaccurate. 
XXXXXXXX XXXX XXXX Account Number XXXX : {$1200.00} XX/XX/XXXX & XXXX XXXX Never late. Two reporting agencies show I was never late. 
XXXX XXXX XXXX Account Number XXXX : {$6000.00} XX/XX/XXXX & XX/XX/XXXX Never late. Two reporting agencies show I was never late. 
XXXX  XXXX XXXX Account Number XXXX : {$5000.00} XX/XX/XXXX thru XX/XX/XXXX Never late. Two reporting agencies show I was never late. 
XXXX, Account Number XXXX : {$200.00} Never late. Two reporting agencies show I was never late. The company issued me a deletion letter and I forwarded it to all three credit agencies, but it was still not removed from my credit report. 
XXXX XXXX  Account Number XXXX : {$16000.00} XX/XX/XXXX through XX/XX/XXXX paid in full. Never late. Two reporting agencies show I was never late. Collect letter removed it from one credit agency, but not the other two credit reporting agencies. 
XXXX Account number XXXX : {$3500.00} XX/XX/XXXX through XXXX XXXX account is closed and still reporting that I have an open account with them. 
XXXX Account number XXXX : {$3600.00} XX/XX/XXXX Never late. Two reporting agencies show I was never late. Collect letter removed it from one credit agency, but not the other two credit reporting agencies. 

I have a right to privacy, and my rights have been violated., U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 
Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency unless the person has certified to the CRA the permissible purpose for which the report is being obtained, and certifies that the report will not be used for any other purpose.

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 2022-04-22
Company: Revco Management, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received two letters from " Revco Solutions , Inc. XXXX XXXX XXXX XXXX OH XXXX '' for faulty or fake debt that the company claims I owe XXXX for electric services to an apartment I lived in XXXX years ago ; however, I check my XXXX account which, I closed out in XX/XX/2020 in full, and XXXX indicates I did not owe them anything and no longer have an account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: Bread Financial 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:
My identity was stolen since XX/XX/XXXX while I was stationed in XXXX XXXX in the XXXX. I left to XXXX XXXX back in XX/XX/XXXX with a credit score of XXXX. Multiple inquires and multiple credit cards ( XX/XX/XXXX ) were opened without my knowledge or approval due to someone acquiring my information. I had to find out 2 months just before I started to leave XXXX to go back to the USA that my Identity has been stolen and I can no longer purchase a house. These companies did not take time to verify or inform me that inquires were made and also credit cards were created. I'm now transferring bases and I have to deal with the headache of my credit score being so low that I can not purchase a home to live in while I work for the XXXX in XXXX. The actions of these companies and the person that stole my identity has destroyed my way of living and I am now in fear of my mental health. I have served a total of 10 years so far for the USA and I am now a victim of identity theft because credit card companies could not verify and give out my information and approve cards without confirmation. The credit companies listed helped destroy my credit and are responsible for my poor credit. 

COMENITYBANK/XXXX COMENITYBANK/KAY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: JPMORGAN CHASE & CO.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JP Morgan Chase Bank ( JPMCB ) has been harassing me by sending me debt collection notices on just about a monthly basis since XXXX of XXXX. They have harm my reputation by reporting negative information about my account to the consumer reporting agencies. In these letters they keep sending me they allege I owe them different amounts. According to my XXXX credit report the account was charged off XXXX of XXXX. On XX/XX/XXXX I finally had enough of JPMCB. abuse of accusing me of owing a debt and their constant harassment of sending me collection notices in the mail. So, I sent them a cease and desist notice via certified mail. They received the notice on the XXXX of XXXX. JP Morgan Chase Bank sent a response to my cease and desist notice dated XX/XX/XXXX stating they had receive my notice and that they will cease and desist all communication with me for all accounts. However, they completely ignored my demands for remedy for the violations I cited in my notice to them. I pointed out 4 Fair Debt Collection Practices Act ( FDCPA ) violations they never addressed in their response. I also sent them an invoice for the amount they owe me for the violations they committed. In their response they did not dispute the validity of my invoice. They had 30 days from the date they receive the invoice to dispute it. On the XXXX of XXXX the debt for my invoice validated. And now they are in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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: Their investigation did not fix an error on your report

Complaint:
The company refused to remove items unless I sent in proof of my identity, I submitted proof and they still refused to investigate. I requested the following accounts be removed from my credit report due to fraud and this them continuing to report is a direct violation of the fair credit reporting act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX BANKRUPTCY XXXX XX/XX/2019 I also requested they remove the following incorrect addresses from my credit report XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-04-22
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have tried to fix this with XXXX XXXX  4 times now! I report the error, they remove it and put it right back on!! Last year because of Covid I was unemployed for almost 2 years. I requested and received a 6 month extension. After 6 months my employer closed permanently, so I still was not working and to prove it to XXXX XXXX  that I wasnt even on unemployment I offered to send them documentation WHICH THEY REFUSED. Yet they also denied my request for an additional 6 month extension even though it was illegal to do so! I then went to a Supervisor to demand my rights for an additional extension and for the credit law be followed and even though they said they were giving me the additional extension and did not contact me for payment for the next six months THEY REPORTED OT TO MY CREDIT. This violates the law during Covid and this was documented with them! I offered them paper documentation! And now although my lease is completely paid off and they actually owe me over {$1000.00} refund they are reporting me in arrears! I WANT THIS CORRECT IMMEDIATELY! Their service is deplorable and their account keeping is even worse!! I actually think they do this on purpose because they are a substandard lender and they are taking advantage of the people they loan to. Any investigation I am eligible to have them investigated through or any legal action against them I am eligible for I would like to be notified of. This will now be the 5th time I have told XXXX XXXX  that this is incorrect and the 5th time that I have filed a formal complaint and the 5th time they have ignored the law. There are literally thousands & thousands of people having the same problem with XXXX XXXX  on the internet!!! I would like this corrected or I would like to know my to legal action! Why are you allowing them to break the law?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: AZ
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 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. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Resurgent Capital Services L.P.
State: AL
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX  - {$670.00} LVNV FUNDING LLC XXXX XXXX XXXX {$450.00} XXXX XXXX XXXXXXXX - {$150.00} XXXX XXXX XXXXXXXX - {$150.00} On XX/XX/ I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like XXXX being take advantage of and ignoredonmydisputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I consistently informed the collection agency the debt was not valid. I also requested validation of debt several times. It wasnt until months later they provided me with my lease agreement as well as a document that wasnt at all accurate. Since then I called the original creditor XXXX XXXX and requested my ledger which I will attach below, which not only validated my statements, and also provided fraudulent activity by management on my account. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
XXXX & Equifax fail to delete fraud auto loans from my credit report even though I have submitted and identity theft Affidavit, police report, and my ID which is completely different from the one used to secure these loans my driver license number doesnt even match they still have refused to remove the inaccuracies and have sided with the auto loan company to which both are clearly violations of my rights as a victim of identity theft! On top of that Equifax is apart of the reason my data has been compromised as I was one of the victims of there companies major XXXX data breach and they still fail to help me resolve my identity theft issues which may have been from the affects of that breach. I have submitted multiple disputes all same results with credit companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: SUNRISE CREDIT SERVICES, INC
State: IL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Despite Sunrise Debt Collection sending me an email confirmation that my debt ( with XXXX XXXX XXXX ) was settled/paid in full, they proceeded to put a derogatory mark on my credit report. Attempts to contact Sunrise have been to no avail, until today, when I spoke ( on a recorded line with a Sunrise employee who gave their name as XXXX ) that my account was frozen and that it would require a manager to unfreeze it so the customer service representative could assist me. After being placed on hold, XXXX informed me that there was no one available to assist with unfreezing my account and therefore, I could just keep calling back. I asked the customer service representative to please make a note and inform a supervisor/manager to contact me so we can discuss my request to remove the derogatory remark from my credit report since I have an email from Sunrise Debt Collection verifying that the account is closed/paid off, but the customer service representative refused to assist me and instead hung up.

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 2022-04-22
Company: EQUIFAX, INC.
State: AL
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:
XXXXXXXX XXXX {$3700.00} XXXX XXXX {$2100.00} XXXX {$220.00} Added XX/XX/XXXX Company was contacted by attorney for payment settlement offer and respones exceeded the insurance for pay out. Case opened XX/XX/XXXX & XX/XX/XXXX. Settlement with Insurance company was on XX/XX/XXXX. My attorney contacted XXXX XXXX, XXXX ( XXXX XXXX ) numerous times to no avail. I directed them back to my attorney and have since received numerous calls at all hours of the day. 

US Department of EducationXXXX {$53000.00} Added XX/XX/XXXX Company was contacted about student loan forgiveness application being submitted. They steadily increase the interest which has risen from {$33000.00} to {$53000.00}. Case Opened XX/XX/XXXX. Institution closed down citing financial challenges and accreditation issues. No transfer of credits. Student Loan debt clean. 

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX, XXXX and US Dept. of EducationXXXX have violated my rights. 

15 U.S.C1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal 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 explanation
Consumer complaint received 2020-07-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a telephone call on XX/XX/2020 at approximately XXXX XXXX  from the telephone number XXXX XXXX XXXX XXXX XXXX. 
The caller proceeded to say the last four digits of my Social Security number and asked me if they belong to me. Highly unethical for someone to give an unverified person the last four digits of someones Social Security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: MI
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:
Experian has violated my Federally Protected rights under the FCRA. I have tried everything to rectify this issue and you failed have negligently and willfully failed to comply. So I am not disputing or no longer asking for substantial credible proof that you failed to provide, but I am now putting you on Notice to Cease and Desist Communication from me within 30 days including the removal of the accounts in the attachment. Failing to comply will result in Legal Matters in Federal Court. Not only has my livelihood been affected but my children as well. These injuries has caused me huge damages including mental anguish, and mental distress. My consumer report is suppose to be equitable and fair to me according to the FCRA and it has not been it has been used with Extortionate means for you to benefit from it. I never received disclosures from you according to the Gramm Leach Bliley Act, which is also a violation.

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 2022-01-07
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
- Reached XXXX credit limit of {$14000.00} on XX/XX/2022 - Made one time payment of {$9700.00} to make credit available on the account. This was done 12 days before my autopay for that amount was scheduled. 
- {$9700.00} amount was drawn from my bank account on XX/XX/2022. 
-I tried to make a purchase with this XXXX on XX/XX/2022 but it was denied. 
-I called customer service on XX/XX/2022 immediately after attempting the purchase. I was told that I had available credit but the payment of {$9700.00} made on XX/XX/2022 was frozen for 10 days. They said they could do nothing to reverse the freeze and could provide no specific reason for it. 
- I called my bank. They confirmed the payment to Citi and said they have no way to retrieve it. 
- So now Citi has close to $ 10K of my money while withholding credit access for 10 days which seems like fraud to me. 
- This is causing disruption in my life as all of my monthly payments for utilities, subscriptions, and donations are on direct payment schedules using this card resulting in hours of changing payment methods for all these creditors so my payments don't bounce.

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 2018-05-04
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A few months ago I ordered a credit report and noticed that I had a new collection on file from AARGON agency, I immediately made contact with AARGON agency and told them that this information was incorrect. I mailed them several letters and put in several disputes online as well. This account is not mine and I don't appreciate them sending my personal information out, violating my HIPPA rights. In another complaint this company mentioned something about an identity theft package. ( which I never received ) I have attached 2 separate identity theft packages, one that dates all the way back to XX/XX/XXXX and a more current one from XX/XX/XXXX! This debt is not mine. This company is failing to validate the information in which they are trying to collect on. I have been trying for several months to receive validation of this collection in which they are saying is mine.Please be advised I have requested " validation '' not verification of the item reported by the above collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

Furthermore, Aargon Collection Agency did NOT provide me with a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. Please help me with this 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