BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$2500.00} XXXX XXXX XXXX : {$2500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: WI
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:
XXXX derogatory remarks reporting from XXXX of XXXX through XXXX of XXXX. The remarks show as 60 days late. I was actively enrolled in the XXXX forbearance assistance program that was being offered by XXXX XXXX. I spoke with multiple representatives at this time and each XXXX of them ensured me that there would be no credit ramifications from entering this program. 

I was informed today by XXXX different representatives XXXX, XXXX, and XXXX that they were unable to see any type of missed payments or delinquent remarks on my account dating back to XX/XX/XXXX. This has negatively impacted my wife 's and my own credit score by over XXXX and XXXX points. 

I am requesting that these remarks be removed as soon as possible. I was informed by XXXX XXXX that this was something that I would have to take care of myself, and they would not be able to help me. 

They also sent several correspondences stating that they were attempting to collect a debt while I was enrolled which is a direct violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 have a Capital One account on which I fell behind on due to being impacted by COVID-19. Prior to COVID-19 they changed my due date which made me late and incur late fees almost every month. This was frustrating, then I don't recall them even offering me a delayed pay plan for COVID. I was attempting to bring my account up to date but it had been transferred to another company by the name of XXXX XXXX XXXX. I was told the account was charged off and was offered a settlement first of 80 %, then 50 % which they wanted lump sum in XX/XX/2021 or pay 55 % via installments. I have been trying to catch up my Capital One account my since I have been impacted and my pay reduced by COVID-19. I reviewed copies of my credit report and there are excessive inquires from XXXX XXXX XXXX on behalf of Capital One. As far as I know, debt collectors are permitted to request credit reports every 30 days to determine the debtors ability to pay. However, the inquiries on my credit report are excessive and under the 30 day time period. This is severely damaging to my credit worthiness. Over the last 90 days, creditors have reduced my credit and closed accounts and I would have to deduce it is from these collection inquiries. This sends a red flag to my other creditors which either had XXXX balances or stellar payment histories. This is illegal and has violated the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: TRANSWORLD SYSTEMS INC
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We had a medical debt with XXXX XXXX that was set up on a payment plan with our XXXX. At some point the, XXXX balance was too low for the auto payment to go through and without a phone call or any communication the balance was moved to a collection agency called Transworld Systems. Transworld systems inc. is aggressively contacting us about the collection which we believed was fraudulent because we knew this was on a payment plan. We called XXXX XXXX and was told about the missed payment and collection agency. We made a payment to the balance and restarted the payment plan with XXXX over a month ago. Since then, the Transworld collection agency is continuously contacting us to pay the initial amount. There is obvious confusion between XXXX XXXX and their Collections agency Transworld Systems Inc and I am not able to get clear answers about the balance, payments made, and payment plan but the collection notifications continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have Child Support with XXXXXXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/2021. I have read enough to understand my rights. The TransUnion Credit Bureaus is required to verify for themselves, but they failed to neither verify nor update me about this complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. XXXX XXXX XXXX  Date Opened : XX/XX/2021 Balance : {$2300.00}

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 2023-04-19
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: Their investigation did not fix an error on your report

Complaint:
To whom it may concern, I've already sent a letter to the creditor asking them to remove this late payment. They have not abided by what I have requested. They also violated my consumer law because they never gave me the option to opt out from reporting this information to a third party. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party. 

Payment Date : XX/XX/2020 XXXX XXXXk Account # 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 2020-12-22
Company: Experian Information Solutions 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:
The unverified XXXX XXXX XXXX XXXX # XXXX remain on my credit report in violation of Federal Law. I have never sign any contract with XXXX XXXX XXXX XXXX and you have not provided a copy of the original creditors documentation on file to verify that this information is mine and is correct. This company is involved in predatory behavior and still you continue to report inaccurate information affecting my ability to secure a mortgage to buy a property due to a low score causing a lot of emotional stress to my family and I. 
I demand the above account be removed immediately.

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 2023-03-05
Company: Kriya Capital, LLC
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:
XXXX XXXX XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XXXX CREDENCE RESOURCES MANAGEMENT XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

In accordance with the fair credit reporting act, this/these creditors has violated my rights under 15USC 1681 SECTION 602 states I have the rights to privacy. 15USC 1681 SECTION 604A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: NJ
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:
Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question XXXX XXXX XXXX  XXXX $ XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing this account for almost a year both with the credit bureaus and creditor and is very unsuccessful. I requested for reinvestigation and documents how the investigation was done and i have not received anything back as yet. I filed a police report and gave them all the documents to help with the investigation and also mailed them twice, it came back as undeliverable. They fail to investigate the 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 2023-04-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX A savings account had {$7000.00} along with {$3000.00} USD in the same account holder 's name withdrawn via ACH to a different bank ( XXXX XXXX : A phone call from Wells Fargo was received on XX/XX/23 to recommend that the account holder check the account for suspicious activity. The account holder did not release any consent or personal information because the call started off with the account holder 's account numbers and name. 
The account holder notified the bank via phone after the incident on the same day for suspicious and repeated phone calls from the bank and confirmed that the call was a scam. A dispute was submitted during the phone call on XX/XX/23, and in person, filed a complaint regarding non-transparency of fraudulent acknowledgment and accountability of the processes by the bank regarding notification of information breach. On XX/XX/23, a complaint was filed with the local police authorities. On XX/XX/23 a letter of denial for reimbursement was received by the accountholder stating the recipient refused to refund the transfer

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 2023-08-21
Company: Experian Information Solutions Inc.
State: MD
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} ( Original Creditor : XXXX XXXX XXXX Balance : {$470.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-19
Company: FISERV INC.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received collection letters from TRS recovery services dated XX/XX/2023 on XX/XX/2023. Their letters stated that I had until XX/XX/ 2023 to dispute the debt or it would be considered valid. Their letters also state that you can dispute a debt or request verification of debt by submitting a request on their website. I made attempts to submit the form on their site multiple times to dispute the debt and request verification. However, their web form does not work and always comes back with an error. On XX/XX/ 2023 I completed a paper dispute form from their website and requested they provide proof of the debts they said I owe and faxed it to the number provided on their form. I have yet to receive any verification of debt from them. On XX/XX/2023 I received letters dated XX/XX/2023 attempting to collect on these debts even though I had submitted a dispute and the FDCPA requires a Debt Collector to cease collection of debts until it provides required verification. TRS recovery services has violated my rights under the FDCPA by not providing required verification and by continuing to collect debts when a dispute has been submitted.

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 2021-01-13
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under National Credit Systems. I requested a validation on XX/XX/XXXX as there were several discrepancies that were identified with this account that I do not believe I owe. I reviewed my credit report again on XX/XX/XXXX and the account was listed as disputed by consumer and therefore a 2nd letter was sent at this time. Partial verification was received however the documents were incomplete and incorrect ; forms did not include a payment and delinquency history, lease agreement was not in its entirety and amounts owed per the lease agreement do not add up to what is on the ledger, the ledger does not include credit for pet deposits and the apartment number listed is not correct and reports that the apartment was carpeted when the unit did not have any carpets whatsoever. After receiving the partial verification the agency was contacted via phone call on 3 different occasions and 3 different escalations however no corrections have been made. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the debt is correct or valid and this account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this debt belongs to me and all information being reported is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

The original creditor was XXXX XXXX XXXX that was a credit card. I bought a big purchase that did not reach me in time in XX/XX/2021. I returned the parcel to the company it was purchased and received a notification that my order would be refunded in four days. After contacting the company after a week with no return I was told my order would need an investigation tracking the order before the return could be released. 
I notified the creditor of the situation and they told me that I wouldn't endure fees once the refund was processed. I was notified the case for the parcel was closed and the refund had been return to original form of payment. When I contacted Credit One I was informed they sold the account due to non payment. I began disputing the collection with midland agency with no help to accurately display the credit.

When contacting Midland Agency of this year and speaking to a manager they confirmed that had on file that the return was processed and indeed was returned to my account. But I still had to pay them because they bought this account a they would be willing to offer me a discount if I paid to settle that day. I declined because I don't have the purchased items, the money I spent, or my account. That would be me paying double for inaccuracies on my account. They told me they would open their own investigation which resulted in them sending me a letter saying they verified the account was mine and I needed to pay. There was no evidence of them trying to acknowledge the returned money on the card. 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. & 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. 

I request that this account be removed from credit report from all reporting agencies along with my information and information of the account being held.

Company response to consumer: Closed with non-monetary relief