BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My dispute is with the company Equifax they removed an collection off my account XX/XX/2021 it was then reinserted on my credit report on XX/XX/2021 I know this because I saw this on credit karma. I have contacted this company by phone on XXXX and XX/XX/2021. Nothing has been done they have closed it out each time within 24hrs no investigation. I was never notified of this reinsertion in writing within 5 business days under FCRA 611 ( a ) ( 5 ) ( b ) ( ii ). Not only that but it was over the 45 day time frame for this to be reinserted back on my report. I would like this account deleted ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Experian Information Solutions 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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN

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 2021-09-03
Company: ENCORE CAPITAL GROUP INC.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland funding XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX Has been sending me collection notices in the amount of XXXX dollars the collection has been reported as paste due to a balance. I do not know this company i hace never done any business with this company. The company dies not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I try to call XXXX they tell me the account is old and they can not find information on this account but they are still reporting it to all three major credit departments. 

I would like these two account remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

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 2023-06-28
Company: EQUIFAX, INC.
State: TX
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:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/XXXX, I was reviewing my consumer report and noticed that bankruptcies were reported on my consumer reports. Each of the consumer reporting agencies will claim they have a right to report this information based on the fact they received the information from a 3rd party and not the original source of the information. Under the privacy act of 1974, the Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. The bankruptcy courts don't report any of this information they are the original furnishers of this information in which it is to be verified with. This is not being done and fraud is being committed every time they steal this information and report it.

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 2023-04-19
Company: Experian Information Solutions Inc.
State: NJ
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 been disputing inaccurate accounts on my credit report for a year now and the credit bureaus have not corrected the inaccurate the information at all. The last letter I sent out was a certified letter to each credit bureaus. 

I have 8 accounts that are reporting incorrect information on my credit report. Here are the accounts. 

XXXX XXXX I address that the date of last activity is being reported as 3 different dates to each credit bureau. XXXX XXXX XXXX, Experian reports XXXX and XXXX reports XXXX. The creditor just verifies the account but why are they reporting different dates to each credit bureau. This is not accurate at all and they have not updated or deleted this account. Law requires the information to be reported correct and it simply is not. This is the same issue with XXXX XXXX, and XXXX account. The date of last activity is being reported as different dates to each credit bureaus. I am so tired of stating this and they are not doing anything about it. 

Now with these 4 accounts XXXX, XXXX XXXX XXXX has 2 accounts ) and, XXXX XXXX the issue is the account status. Some are reporting the account as open which the account should not be reporting as open, and some closed and open to each of the credit bureaus and it is not accurate and the account should be deleted from my credit report. 

Last there is an account with XXXX XXXX  that was an account with XXXX XXXX XXXX XXXX, that was deleted off all three credit bureaus by XXXX XXXX XXXX XXXX and not even a month later added back with XXXXXXXX XXXX  The Credit Bureaus did not sent me a letter to let me know that the account would be added back on my credit report. I sent the credit bureau a certified letter to address it and they did nothing about it.

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 2022-08-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2022 The amount approximately {$53000.00}. I strongly believe Select Portfolio Servicing , Inc. and investor discriminated against me for mortgage servicing - such as for Mortgage Assistance Program or loan modification based on my XXXX XXXX XXXX, and XXXX. They violates a federal consumer financial protection law. They has violated the right of law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: TN
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/2023 I wrote a letter to all XXXX Credit Bureaus concerning a Auto loan from XXXX XXXX. In the letter I asked them to please verify the information being reported because it was being reported with the wrong amount showing after the car had be sold. Well after waiting 45 days I called each reporting bureaus only getting through to 2 out of the 3 with them saying that the balance has been updated which is hasn't. According to the Fair Credit Act if wrong information is being reported even if it is off by a couple of thousand of dollars. It's causing me financial damage so my question is shouldn't it be removed? I just believe these bureaus have become untouchable and feel like they are able to do whatever they want.

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 2022-08-18
Company: EQUIFAX, 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:
FCRA violations : accounts not mine XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$710.00} XXXX XXXX account. {$710.00} written off. {$710.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$990.00} XXXX XXXX account. {$9.00} FCRA violations : payments never late XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$19000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$23000.00} Status Open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Convergent Resources, Inc.
State: MI
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:
I was made aware of a fraudulent charge from XX/XX/2019 on my credit report in XXXX of 2019 when I was applying for a loan, and there was an item that had gone to collections on the report. 

The item in question is from XXXX XXXX in the amount of {$250.00}. I have never utilized these services and immediately reported this as fraudulent with each XXXX XXXX, and XXXX  credit reporting agencies. 

I have since begun receiving debt collection notices from Convergent Outsourcing, the company attempting to collect the balance due to XXXX XXXX. When I contacted them, they would not assist unless I had previously filed a police report, which I have not done. 

The last communication I received from Convergent provided the following details : Creditor : XXXX XXXX Client Account # : XXXX Convergent Account # : XXXX Amount Owed : {$250.00} Total Balance : {$250.00} Please advise the next steps to get this resolved. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National credit adjusters did not send me information to verify the debt. I have sent corespondent for almost a year and still no response from the Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2020, I called Capital One to request a credit limit increase. I have paid in full approximately {$100000.00} on a card with a {$10000.00} credit limit, in less than six ( 6 ) months. I was discouraged by the agent to request the increase. I explained that  before, when I applied in XXXX, I was told the account was too new. I requested the policy information on what is considered too new. I was told there is no written policy. I told them that if I was given that reason again, I would file a complaint. Using a reason with no policy means they can apply it discriminatorily. Their website says you can request at any time, without mention of what is too new. 

On XX/XX/2020, I received an electronic letter that said I was denied because I have debt that is too high. On XX/XX/2020, I called and reached XXXX who Transferred me to supervisor XXXX with id number XXXX. My personal credit is used to determine this small business card. I relayed the exact reason in the letter, which is " your financial obligations reported to us are too high. '' I asked for clarification on what was too high and what the exact percentage is or the percentage that I am too low. I was told that information is proprietary. I told him that they have to give specific reasons and the reason given is nebulous like the too new reason. 

Capital One states they are recording the call. I was told that the recording could not be turned off. When I informed that I was recording the call, the person refused to communicate further saying it was against their policy to allow phone calls to be recorded. Under Federal, Georgia, and Florida law, I can record calls. I refused to stop recording unless they did. 

I even explained that I have no mortgage, I have credit balances on all but two ( 2 ) cards and that is because I have had to use them to bolster the low credit limit they provided. My car note is paid 2 months in advance and so the balance is lower than would otherwise be. I explained that I 10 times more per month on the cards than the minimum due, for the cards which have a balance. 

Their explanation does not make sense. They are refusing to provide exact reasons for the denial in violation of federal law. 

Lastly, I have filed other complaints against this company about their practices and I think this is also retaliatory for that. I have the right to file a grievance and it is illegal for them to retaliate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
XXXX, XXXX, Transunion are reporting that I was late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, which is incorrect. On XX/XX/XXXX, a payment was made in the amount of {$1600.00}, confirmation # XXXX, which satisfied XXXX and XXXX statements. The due date is the XXXX of every month, which the XXXX payment 6 days early and XXXX payment was only 25 days late, not 30 days as it is being reported. 

On XXXX, a {$870.00} payment was made and XX/XX/XXXX there was a {$880.00} payment posted. The due dates on both payments were on the XXXX of the month, which also confirms these payments were made on time. 


This incorrect reporting is in violation of the FCRA as the payments were made and the proof of this has been provided to the three credit bureaus XXXX, Transunion, and XXXX. The following documentation is provided from the original creditor of the payment and therefore XXXX, Transunion, and XXXX credit reporting agencies are in violation of 15 U.S.C 1681s and 15 U.S.C 1681n as they failed to accurately validate this information.

15 U.S. Code 1681s - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Proper evidence has been supplied from XXXX  XXXX XXXX and these credit bureaus continue to display inaccurate information. Please remove these late notifications immediately and send a letter to me confirming the removal. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 XXXX- I didn't give this company authorization to access my credit report for this reason. 

XXXX XXXX XXXX  XXXX I didn't give this company authorization to access my credit report for this reason. 

XXXX I didn't give this company authorization to access my credit report for this reason. 

XXXX XXXX XXXX I didn't give this company authorization to access my credit report for this reason.

US DEPT OF EDUCATION- Still reporting after Paid Off XXXX XXXX XXXX XXXX XXXX - Closed and still reporting

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: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I have a Credit Card account with Capital One. Opened 6 months ago. I have not had access to my account nor been able to use the card for the last 5 months. I have been told my account was restricted. I disputed an unauthorized charge on my account and the dispute results were found in my favor. It wasn't until I disputed the charge that my account was restricted & I was asked to verify my identity. I have been asked to re-verify myself by means of identification which I have done prior to establishing any accounts with Capital One. In order to establish accounts this information must be provided so I am very much aware that my identity thru my social security number & proof of residence was given on my credit application which was approved. It has become very embarrassing having to Prove my identity time after time just to maintain an active and unrestricted account. I am not even able to make payments on my account which in turn affects my credit score with Capital Ones reporting to the Consumer Reporting Agencies. I have Called several times in order to have this issue resolved. I've been verified by multiple agents already in this situation & yet I still have no regained any access to my account which I was approved for a credit limit of {$2000.00} I have not went over my credit limit & the interest charges are adding up to more than I've actually spent on the card. When I call Customer Service to get help or speak to someone who can assist me, I'm told that I have to resubmit my identification each time I call. This seems to be a targeted thing for me due to my mother & brother also having accounts with this Bank & not having to go thru the same ordeal as I do. My girlfriend is also a customer of theirs and she's XXXX I've personally sat next to her 4 times and recorded how quickly she's able to gain access to customer support. This has truly affected my credit score, my banking relationships & my Ability to stay on time with my monthly payments made to this bank for a credit account extended to me. The results of the dispute were in my favor I do not understand why I still have to verify the identity of myself when I am who I claim to be.

Company response to consumer: Closed with explanation